Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
AAPL	APPLE INC	43,816	$5.074M	6.0%	$115.80	—	—	COMMON STOCK	037833100
MSFT	MICROSOFT CORP	19,352	$4.07M	4.8%	$210.31	—	—	COMMON STOCK	594918104
JNJ	JOHNSON & JOHNSON	27,070	$4.03M	4.8%	$148.87	—	—	COMMON STOCK	478160104
ABT	ABBOTT LABORATORIES	31,918	$3.474M	4.1%	$108.84	—	—	COMMON STOCK	002824100
INTC	INTEL CORP	66,692	$3.453M	4.1%	$51.78	—	—	COMMON STOCK	458140100
JPM	JP MORGAN CHASE & CO	32,089	$3.089M	3.7%	$96.26	—	—	COMMON STOCK	46625H100
KO	COCA COLA CO	58,406	$2.884M	3.4%	$49.38	—	—	COMMON STOCK	191216100
AMAT	APPLIED MATERIALS INC	48,300	$2.871M	3.4%	$59.44	—	—	COMMON STOCK	038222105
PG	PROCTER & GAMBLE CO	20,598	$2.863M	3.4%	$138.99	—	—	COMMON STOCK	742718109
DIS	DISNEY WALT CO	23,066	$2.862M	3.4%	$124.08	—	—	COMMON STOCK	254687106
NKE	NIKE INC	21,350	$2.681M	3.2%	$125.57	—	—	COMMON STOCK	654106103
CL	COLGATE PALMOLIVE CO	32,833	$2.533M	3.0%	$77.15	—	—	COMMON STOCK	194162103
PEP	PEPSICO INC	18,128	$2.513M	3.0%	$138.63	—	—	COMMON STOCK	713448108
ABBV	ABBVIE INC SR NT	27,149	$2.378M	2.8%	$87.59	—	—	COMMON STOCK	00287Y109
—	GENERAL ELECTRIC CO	301,381	$1.877M	2.2%	$6.23	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	50,852	$1.745M	2.1%	$34.32	—	—	COMMON STOCK	30231G102
SO	SOUTHERN CO	27,945	$1.515M	1.8%	$54.21	—	—	COMMON STOCK	842587107
GIS	GENERAL MILLS INC	24,475	$1.51M	1.8%	$61.70	—	—	COMMON STOCK	370334104
MCD	MCDONALDS CORP	6,672	$1.464M	1.7%	$219.42	—	—	COMMON STOCK	580135101
VZ	VERIZON COMMUNICATIONS INC	24,577	$1.462M	1.7%	$59.49	—	—	COMMON STOCK	92343V104
TXN	TEXAS INSTRUMENTS INC	9,925	$1.417M	1.7%	$142.77	—	—	COMMON STOCK	882508104
MDT	MEDTRONIC PLC	13,477	$1.401M	1.7%	$103.95	—	—	FOREIGN STOCK	G5960L103
WMT	WALMART INC	9,745	$1.363M	1.6%	$139.87	—	—	COMMON STOCK	931142103
LOW	LOWES COMPANIES INC	8,103	$1.344M	1.6%	$165.86	—	—	COMMON STOCK	548661107
CVX	CHEVRON CORP NEW	17,632	$1.27M	1.5%	$72.03	—	—	COMMON STOCK	166764100
CSCO	CISCO SYSTEMS INC	31,741	$1.25M	1.5%	$39.38	—	—	COMMON STOCK	17275R102
TGT	TARGET CORP	7,856	$1.237M	1.5%	$157.46	—	—	COMMON STOCK	87612E106
PFE	PFIZER INC	30,282	$1.111M	1.3%	$36.69	—	—	COMMON STOCK	717081103
IBM	INTERNATIONAL BUSINESS MACHS	8,784	$1.069M	1.3%	$121.70	—	—	COMMON STOCK	459200101
MRK	MERCK & CO INC	12,562	$1.042M	1.2%	$82.95	—	—	COMMON STOCK	58933Y105
MMM	3M CO	6,439	$1.031M	1.2%	$160.12	—	—	COMMON STOCK	88579Y101
T	AT&T INC	35,586	$1.015M	1.2%	$28.52	—	—	COMMON STOCK	00206R102
AXP	AMERICAN EXPRESS CO	10,075	$1.011M	1.2%	$100.35	—	—	COMMON STOCK	025816109
ORCL	ORACLE CORP	16,222	$968K	1.2%	$59.67	—	—	COMMON STOCK	68389X105
RTX	RAYTHEON TECHNOLOGIES CORP	15,383	$885K	1.1%	$57.53	—	—	COMMON STOCK	75513E101
UPS	UNITED PARCEL SERVICE	4,631	$771K	0.9%	$166.49	—	—	COMMON STOCK	911312106
MAS	MASCO CORP	12,800	$706K	0.8%	$55.16	—	—	COMMON STOCK	574599106
BMY	BRISTOL-MYERS SQUIBB CO	11,459	$691K	0.8%	$60.30	—	—	COMMON STOCK	110122108
ADP	AUTOMATIC DATA PROCESSING INC	4,435	$619K	0.7%	$139.57	—	—	COMMON STOCK	053015103
ECL	ECOLAB INC	2,883	$576K	0.7%	$199.79	—	—	COMMON STOCK	278865100
VWO	VANGUARD EMERGING MARKETS STOCK	12,770	$552K	0.7%	$43.23	—	—	MUTUAL FUND/STO	922042858
TMO	THERMO FISHER SCIENTIFIC INC	1,151	$508K	0.6%	$441.36	—	—	COMMON STOCK	883556102
NSC	NORFOLK SOUTHERN CORP	2,203	$472K	0.6%	$214.25	—	—	COMMON STOCK	655844108
EFA	ISHARES MSCI EAFE (MKT)	7,289	$464K	0.6%	$63.66	—	—	MUTUAL FUNDS GL	464287465
HD	HOME DEPOT INC	1,635	$454K	0.5%	$277.68	—	—	COMMON STOCK	437076102
STT	STATE STREET CORP	7,375	$437K	0.5%	$59.25	—	—	COMMON STOCK	857477103
APD	AIR PRODUCTS & CHEMICALS INC	1,400	$417K	0.5%	$297.86	—	—	COMMON STOCK	009158106
LMT	LOCKHEED MARTIN CORP	1,057	$405K	0.5%	$383.16	—	—	COMMON STOCK	539830109
EXC	EXELON CORP	11,188	$400K	0.5%	$35.75	—	—	COMMON STOCK	30161N101
PM	PHILIP MORRIS INTERNATIONAL INC	5,302	$398K	0.5%	$75.07	—	—	COMMON STOCK	718172109
LLY	ELI LILLY & CO	2,571	$380K	0.5%	$147.80	—	—	COMMON STOCK	532457108
—	TRUSTCO BANK CORP NY	68,342	$357K	0.4%	$5.22	—	—	COMMON STOCK	898349105
DD	DUPONT DE NEMOURS INC	6,330	$352K	0.4%	$55.61	—	—	COMMON STOCK	26614N102
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$344K	0.4%	$212.87	—	—	COMMON STOCK	084670702
—	JACOBS ENGINEERING GROUP INC	3,620	$336K	0.4%	$92.82	—	—	COMMON STOCK	469814107
EMR	EMERSON ELECTRIC CO	4,742	$311K	0.4%	$65.58	—	—	COMMON STOCK	291011104
DOW	DOW INC COM	6,459	$304K	0.4%	$47.07	—	—	COMMON STOCK	260557103
JCI	JOHNSON CTLS INTL PLC SHS	6,782	$277K	0.3%	$40.84	—	—	FOREIGN STOCK	G51502105
CMCSA	COMCAST CORP	5,800	$268K	0.3%	$46.21	—	—	COMMON STOCK	20030N101
SWK	STANLEY BLACK & DECKER INC	1,632	$265K	0.3%	$162.38	—	—	COMMON STOCK	854502101
CAT	CATERPILLAR INC	1,763	$263K	0.3%	$149.18	—	—	COMMON STOCK	149123101
CME	CME GROUP INC	1,400	$234K	0.3%	$167.14	—	—	COMMON STOCK	12572Q105
ALL	ALLSTATE CORP	2,300	$217K	0.3%	$94.35	—	—	COMMON STOCK	020002101
AMGN	AMGEN INC	800	$203K	0.2%	$253.75	—	—	COMMON STOCK	031162100
C	CITIGROUP INC	4,718	$203K	0.2%	$43.03	—	—	COMMON STOCK	172967424
—	ANNALY CAPITAL MANAGEMENT INC	13,850	$99,000	0.1%	$7.15	—	—	COMMON STOCK	035710409