Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AMAT	APPLIED MATERIALS INC	30,642	$6.319M	6.6%	—	—	COMMON STOCK	038222105
MSFT	MICROSOFT CORP	13,541	$5.697M	5.9%	—	—	COMMON STOCK	594918104
GE	GENERAL ELECTRIC CO	28,230	$4.955M	5.1%	—	—	COMMON STOCK	369604301
JPM	JP MORGAN CHASE & CO	23,287	$4.664M	4.8%	—	—	COMMON STOCK	46625H100
AAPL	APPLE INC	26,501	$4.544M	4.7%	—	—	COMMON STOCK	037833100
XOM	EXXON MOBIL CORP	33,339	$3.875M	4.0%	—	—	COMMON STOCK	30231G102
ABBV	ABBVIE INC SR NT	19,368	$3.527M	3.7%	—	—	COMMON STOCK	00287Y109
JNJ	JOHNSON & JOHNSON	20,747	$3.282M	3.4%	—	—	COMMON STOCK	478160104
TRST	TRUSTCO BANK CORP NY	112,321	$3.163M	3.3%	—	—	COMMON STOCK	898349204
PG	PROCTER & GAMBLE CO	17,466	$2.834M	2.9%	—	—	COMMON STOCK	742718109
KO	COCA COLA CO	44,959	$2.751M	2.9%	—	—	COMMON STOCK	191216100
CVX	CHEVRON CORP NEW	16,665	$2.629M	2.7%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	14,987	$2.623M	2.7%	—	—	COMMON STOCK	713448108
ABT	ABBOTT LABORATORIES	20,722	$2.355M	2.4%	—	—	COMMON STOCK	002824100
AXP	AMERICAN EXPRESS CO	9,394	$2.139M	2.2%	—	—	COMMON STOCK	025816109
INTC	INTEL CORP	45,122	$1.993M	2.1%	—	—	COMMON STOCK	458140100
DIS	DISNEY WALT CO	15,213	$1.861M	1.9%	—	—	COMMON STOCK	254687106
MCD	MCDONALDS CORP	6,326	$1.784M	1.9%	—	—	COMMON STOCK	580135101
LOW	LOWES COMPANIES INC	6,123	$1.56M	1.6%	—	—	COMMON STOCK	548661107
LLY	ELI LILLY & CO	1,889	$1.47M	1.5%	—	—	COMMON STOCK	532457108
WMT	WALMART INC	23,028	$1.386M	1.4%	—	—	COMMON STOCK	931142103
MRK	MERCK & CO INC	10,371	$1.368M	1.4%	—	—	COMMON STOCK	58933Y105
RTX	RTX CORPORATION	13,051	$1.273M	1.3%	—	—	COMMON STOCK	75513E101
ORCL	ORACLE CORP	10,029	$1.26M	1.3%	—	—	COMMON STOCK	68389X105
IBM	INTERNATIONAL BUSINESS MACHS	6,154	$1.175M	1.2%	—	—	COMMON STOCK	459200101
CL	COLGATE PALMOLIVE CO	12,971	$1.168M	1.2%	—	—	COMMON STOCK	194162103
TXN	TEXAS INSTRUMENTS INC	6,640	$1.157M	1.2%	—	—	COMMON STOCK	882508104
NKE	NIKE INC	12,232	$1.15M	1.2%	—	—	COMMON STOCK	654106103
GIS	GENERAL MILLS INC	16,276	$1.139M	1.2%	—	—	COMMON STOCK	370334104
CSCO	CISCO SYSTEMS INC	22,340	$1.115M	1.2%	—	—	COMMON STOCK	17275R102
TGT	TARGET CORP	5,964	$1.057M	1.1%	—	—	COMMON STOCK	87612E106
SO	SOUTHERN CO	14,718	$1.056M	1.1%	—	—	COMMON STOCK	842587107
EMR	EMERSON ELECTRIC CO	8,241	$935K	1.0%	—	—	COMMON STOCK	291011104
GEHC	GE HEALTHCARE TECHNOLOGIES INC	9,062	$824K	0.9%	—	—	COMMON STOCK	36266G107
ADP	AUTOMATIC DATA PROCESSING INC	3,176	$793K	0.8%	—	—	COMMON STOCK	053015103
VZ	VERIZON COMMUNICATIONS INC	18,111	$760K	0.8%	—	—	COMMON STOCK	92343V104
MDT	MEDTRONIC PLC	8,718	$760K	0.8%	—	—	FOREIGN STOCK	G5960L103
MAS	MASCO CORP	9,525	$751K	0.8%	—	—	COMMON STOCK	574599106
HD	HOME DEPOT INC	1,842	$707K	0.7%	—	—	COMMON STOCK	437076102
PFE	PFIZER INC	24,367	$676K	0.7%	—	—	COMMON STOCK	717081103
BRK/B	BERKSHIRE HATHAWAY INC	1,577	$663K	0.7%	—	—	COMMON STOCK	084670702
QQQ	INVESCO QQQ TR	1,252	$556K	0.6%	—	—	MUTUAL FUND/STO	46090E103
NSC	NORFOLK SOUTHERN CORP	2,134	$544K	0.6%	—	—	COMMON STOCK	655844108
GOOG	ALPHABET INC	3,445	$525K	0.5%	—	—	COMMON STOCK	02079K107
UPS	UNITED PARCEL SERVICE	3,436	$511K	0.5%	—	—	COMMON STOCK	911312106
LMT	LOCKHEED MARTIN CORP	1,032	$469K	0.5%	—	—	COMMON STOCK	539830109
VWO	VANGUARD EMERGING MARKETS STOCK	10,903	$455K	0.5%	—	—	MUTUAL FUND/STO	922042858
T	AT&T INC	25,679	$452K	0.5%	—	—	COMMON STOCK	00206R102
CAT	CATERPILLAR INC	1,231	$451K	0.5%	—	—	COMMON STOCK	149123101
PM	PHILIP MORRIS INTERNATIONAL INC	4,884	$447K	0.5%	—	—	COMMON STOCK	718172109
STT	STATE STREET CORP	5,726	$443K	0.5%	—	—	COMMON STOCK	857477103
BMY	BRISTOL-MYERS SQUIBB CO	7,777	$422K	0.4%	—	—	COMMON STOCK	110122108
MMM	3M CO	3,973	$421K	0.4%	—	—	COMMON STOCK	88579Y101
ECL	ECOLAB INC	1,760	$406K	0.4%	—	—	COMMON STOCK	278865100
CVS	CVS HEALTH CORPORATION	5,090	$406K	0.4%	—	—	COMMON STOCK	126650100
JCI	JOHNSON CTLS INTL PLC SHS	5,536	$362K	0.4%	—	—	FOREIGN STOCK	G51502105
IJH	ISHARES CORE S&P MID-CAP (MKT)	5,605	$340K	0.4%	—	—	MUTUAL FUND/STO	464287507
J	JACOBS SOLUTIONS INC	2,095	$322K	0.3%	—	—	COMMON STOCK	46982L108
ALL	ALLSTATE CORP	1,776	$307K	0.3%	—	—	COMMON STOCK	020002101
META	META PLATFORMS INC	609	$296K	0.3%	—	—	COMMON STOCK	30303M102
DD	DUPONT DE NEMOURS INC	3,756	$288K	0.3%	—	—	COMMON STOCK	26614N102
DOW	DOW INC COM	4,820	$279K	0.3%	—	—	COMMON STOCK	260557103
CME	CME GROUP INC	1,263	$272K	0.3%	—	—	COMMON STOCK	12572Q105
MO	ALTRIA GROUP INC	5,785	$252K	0.3%	—	—	COMMON STOCK	02209S103
IEI	ISHARES 3-7 YEAR TREASURY BOND	2,140	$248K	0.3%	—	—	MUTUAL FUND/GOV	464288661
EXC	EXELON CORP	6,353	$239K	0.2%	—	—	COMMON STOCK	30161N101
VO	VANGUARD MID-CAP ETF (MKT)	955	$239K	0.2%	—	—	MUTUAL FUND/STO	922908629
YUM	YUM! BRANDS INC	1,669	$231K	0.2%	—	—	COMMON STOCK	988498101
EFA	ISHARES MSCI EAFE (MKT)	2,803	$224K	0.2%	—	—	MUTUAL FUNDS GL	464287465
CMCSA	COMCAST CORP	4,900	$212K	0.2%	—	—	COMMON STOCK	20030N101
NVDA	NVIDIA CORP	234	$211K	0.2%	—	—	COMMON STOCK	67066G104
MA	MASTERCARD INC	418	$201K	0.2%	—	—	COMMON STOCK	57636Q104