Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
AAPL	APPLE INC	10,969	$4.002M	5.1%	$364.85	—	—	COMMON STOCK	037833100
INTC	INTEL CORP	66,862	$4M	5.1%	$59.82	—	—	COMMON STOCK	458140100
MSFT	MICROSOFT CORP	19,500	$3.968M	5.0%	$203.49	—	—	COMMON STOCK	594918104
JNJ	JOHNSON & JOHNSON	27,070	$3.806M	4.8%	$140.60	—	—	COMMON STOCK	478160104
JPM	JP MORGAN CHASE & CO	32,589	$3.066M	3.9%	$94.08	—	—	COMMON STOCK	46625H100
ABT	ABBOTT LABORATORIES	32,319	$2.955M	3.8%	$91.43	—	—	COMMON STOCK	002824100
AMAT	APPLIED MATERIALS INC	48,802	$2.95M	3.7%	$60.45	—	—	COMMON STOCK	038222105
ABBV	ABBVIE INC SR NT	27,250	$2.676M	3.4%	$98.20	—	—	COMMON STOCK	00287Y109
KO	COCA COLA CO	58,406	$2.61M	3.3%	$44.69	—	—	COMMON STOCK	191216100
DIS	DISNEY WALT CO	23,066	$2.572M	3.3%	$111.51	—	—	COMMON STOCK	254687106
PG	PROCTER & GAMBLE CO	20,748	$2.481M	3.2%	$119.58	—	—	COMMON STOCK	742718109
PEP	PEPSICO INC	18,128	$2.398M	3.0%	$132.28	—	—	COMMON STOCK	713448108
XOM	EXXON MOBIL CORP	51,152	$2.288M	2.9%	$44.73	—	—	COMMON STOCK	30231G102
NKE	NIKE INC	22,050	$2.162M	2.7%	$98.05	—	—	COMMON STOCK	654106103
—	GENERAL ELECTRIC CO	305,356	$2.085M	2.6%	$6.83	—	—	COMMON STOCK	369604103
CVX	CHEVRON CORP NEW	17,834	$1.591M	2.0%	$89.21	—	—	COMMON STOCK	166764100
GIS	GENERAL MILLS INC	24,475	$1.509M	1.9%	$61.65	—	—	COMMON STOCK	370334104
CSCO	CISCO SYSTEMS INC	31,741	$1.48M	1.9%	$46.63	—	—	COMMON STOCK	17275R102
SO	SOUTHERN CO	27,645	$1.434M	1.8%	$51.87	—	—	COMMON STOCK	842587107
VZ	VERIZON COMMUNICATIONS INC	24,178	$1.333M	1.7%	$55.13	—	—	COMMON STOCK	92343V104
TXN	TEXAS INSTRUMENTS INC	9,925	$1.26M	1.6%	$126.95	—	—	COMMON STOCK	882508104
MDT	MEDTRONIC PLC	13,577	$1.246M	1.6%	$91.77	—	—	FOREIGN STOCK	G5960L103
MCD	MCDONALDS CORP	6,672	$1.231M	1.6%	$184.50	—	—	COMMON STOCK	580135101
WMT	WALMART, INC	9,745	$1.168M	1.5%	$119.86	—	—	COMMON STOCK	931142103
CL	COLGATE PALMOLIVE CO	15,623	$1.144M	1.5%	$73.23	—	—	COMMON STOCK	194162103
IBM	INTERNATIONAL BUSINESS MACHS	9,235	$1.116M	1.4%	$120.84	—	—	COMMON STOCK	459200101
LOW	LOWES COMPANIES INC	8,103	$1.095M	1.4%	$135.14	—	—	COMMON STOCK	548661107
T	AT&T INC	35,087	$1.06M	1.3%	$30.21	—	—	COMMON STOCK	00206R102
MMM	3M CO	6,489	$1.012M	1.3%	$155.96	—	—	COMMON STOCK	88579Y101
TGT	TARGET CORP	8,356	$1.002M	1.3%	$119.91	—	—	COMMON STOCK	87612E106
PFE	PFIZER INC	30,282	$990K	1.3%	$32.69	—	—	COMMON STOCK	717081103
MRK	MERCK & CO INC	12,562	$971K	1.2%	$77.30	—	—	COMMON STOCK	58933Y105
AXP	AMERICAN EXPRESS CO	10,075	$959K	1.2%	$95.19	—	—	COMMON STOCK	025816109
RTX	RAYTHEON TECHNOLOGIES CORP	15,383	$947K	1.2%	$61.56	—	—	COMMON STOCK	75513E101
ORCL	ORACLE CORP	16,222	$896K	1.1%	$55.23	—	—	COMMON STOCK	68389X105
ADP	AUTOMATIC DATA PROCESSING INC	4,435	$661K	0.8%	$149.04	—	—	COMMON STOCK	053015103
BMY	BRISTOL-MYERS SQUIBB CO	11,144	$656K	0.8%	$58.87	—	—	COMMON STOCK	110122108
MAS	MASCO CORP	12,800	$643K	0.8%	$50.23	—	—	COMMON STOCK	574599106
ECL	ECOLAB INC	2,933	$584K	0.7%	$199.11	—	—	COMMON STOCK	278865100
UPS	UNITED PARCEL SERVICE	4,831	$537K	0.7%	$111.16	—	—	COMMON STOCK	911312106
VWO	VANGUARD EMERGING MARKETS STOCK	13,395	$531K	0.7%	$39.64	—	—	MUTUAL FUND/STO	922042858
STT	STATE STREET CORP	7,375	$469K	0.6%	$63.59	—	—	COMMON STOCK	857477103
EFA	ISHARES MSCI EAFE (MKT)	7,289	$443K	0.6%	$60.78	—	—	MUTUAL FUNDS GL	464287465
—	TRUSTCO BANK CORP NY	68,342	$433K	0.6%	$6.34	—	—	COMMON STOCK	898349105
TMO	THERMO FISHER SCIENTIFIC INC	1,151	$417K	0.5%	$362.29	—	—	COMMON STOCK	883556102
HD	HOME DEPOT INC	1,635	$410K	0.5%	$250.76	—	—	COMMON STOCK	437076102
EXC	EXELON CORP	11,188	$406K	0.5%	$36.29	—	—	COMMON STOCK	30161N101
LLY	ELI LILLY & CO	2,371	$389K	0.5%	$164.07	—	—	COMMON STOCK	532457108
LMT	LOCKHEED MARTIN CORP	1,057	$386K	0.5%	$365.18	—	—	COMMON STOCK	539830109
NSC	NORFOLK SOUTHERN CORP	2,203	$386K	0.5%	$175.22	—	—	COMMON STOCK	655844108
PM	PHILIP MORRIS INTERNATIONAL INC	5,302	$371K	0.5%	$69.97	—	—	COMMON STOCK	718172109
DD	DUPONT DE NEMOURS INC	6,560	$348K	0.4%	$53.05	—	—	COMMON STOCK	26614N102
APD	AIR PRODUCTS & CHEMICALS INC	1,400	$338K	0.4%	$241.43	—	—	COMMON STOCK	009158106
—	JACOBS ENGINEERING GROUP INC	3,620	$307K	0.4%	$84.81	—	—	COMMON STOCK	469814107
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$288K	0.4%	$178.22	—	—	COMMON STOCK	084670702
EMR	EMERSON ELECTRIC CO	4,342	$269K	0.3%	$61.95	—	—	COMMON STOCK	291011104
DOW	DOW INC COM	6,576	$268K	0.3%	$40.75	—	—	COMMON STOCK	260557103
JCI	JOHNSON CTLS INTL PLC SHS	7,283	$248K	0.3%	$34.05	—	—	FOREIGN STOCK	G51502105
C	CITIGROUP INC	4,718	$241K	0.3%	$51.08	—	—	COMMON STOCK	172967424
ALL	ALLSTATE CORP	2,400	$232K	0.3%	$96.67	—	—	COMMON STOCK	020002101
CME	CME GROUP INC	1,400	$228K	0.3%	$162.86	—	—	COMMON STOCK	12572Q105
SWK	STANLEY BLACK & DECKER INC	1,632	$227K	0.3%	$139.09	—	—	COMMON STOCK	854502101
CMCSA	COMCAST CORP	5,800	$226K	0.3%	$38.97	—	—	COMMON STOCK	20030N101
MO	ALTRIA GROUP INC	5,100	$201K	0.3%	$39.41	—	—	COMMON STOCK	02209S103
—	ANNALY CAPITAL MANAGEMENT INC	13,850	$91,000	0.1%	$6.57	—	—	COMMON STOCK	035710409