Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AMAT	APPLIED MATERIALS INC	44,753	$5.762M	5.4%	—	—	COMMON STOCK	038222105
INTC	INTEL CORP	91,751	$4.888M	4.6%	—	—	COMMON STOCK	458140100
JPM	JP MORGAN CHASE & CO	29,345	$4.804M	4.5%	—	—	COMMON STOCK	46625H100
AAPL	APPLE INC	32,461	$4.593M	4.3%	—	—	COMMON STOCK	037833100
MSFT	MICROSOFT CORP	16,083	$4.534M	4.2%	—	—	COMMON STOCK	594918104
JNJ	JOHNSON & JOHNSON	26,552	$4.288M	4.0%	—	—	COMMON STOCK	478160104
TRST	TRUSTCO BANK CORP NY	113,770	$3.638M	3.4%	—	—	COMMON STOCK	898349204
GE	GENERAL ELECTRIC CO	30,519	$3.145M	2.9%	—	—	COMMON STOCK	369604301
DIS	DISNEY WALT CO	18,169	$3.073M	2.9%	—	—	COMMON STOCK	254687106
ABT	ABBOTT LABORATORIES	25,825	$3.051M	2.8%	—	—	COMMON STOCK	002824100
PG	PROCTER & GAMBLE CO	20,412	$2.854M	2.7%	—	—	COMMON STOCK	742718109
CVX	CHEVRON CORP NEW	26,975	$2.737M	2.6%	—	—	COMMON STOCK	166764100
XOM	EXXON MOBIL CORP	46,450	$2.732M	2.5%	—	—	COMMON STOCK	30231G102
KO	COCA COLA CO	50,774	$2.664M	2.5%	—	—	COMMON STOCK	191216100
PEP	PEPSICO INC	17,509	$2.633M	2.5%	—	—	COMMON STOCK	713448108
ABBV	ABBVIE INC SR NT	23,869	$2.574M	2.4%	—	—	COMMON STOCK	00287Y109
T	AT&T INC	94,807	$2.561M	2.4%	—	—	COMMON STOCK	00206R102
NKE	NIKE INC	17,184	$2.496M	2.3%	—	—	COMMON STOCK	654106103
CL	COLGATE PALMOLIVE CO	27,294	$2.063M	1.9%	—	—	COMMON STOCK	194162103
—	VIACOMCBS INC	50,649	$2.001M	1.9%	—	—	COMMON STOCK	92556H206
MCD	MCDONALDS CORP	7,772	$1.874M	1.7%	—	—	COMMON STOCK	580135101
TGT	TARGET CORP	8,123	$1.858M	1.7%	—	—	COMMON STOCK	87612E106
PFE	PFIZER INC	41,567	$1.788M	1.7%	—	—	COMMON STOCK	717081103
SO	SOUTHERN CO	27,895	$1.729M	1.6%	—	—	COMMON STOCK	842587107
AXP	AMERICAN EXPRESS CO	10,300	$1.726M	1.6%	—	—	COMMON STOCK	025816109
TXN	TEXAS INSTRUMENTS INC	8,925	$1.715M	1.6%	—	—	COMMON STOCK	882508104
CSCO	CISCO SYSTEMS INC	30,192	$1.643M	1.5%	—	—	COMMON STOCK	17275R102
MDT	MEDTRONIC PLC	11,909	$1.493M	1.4%	—	—	FOREIGN STOCK	G5960L103
RTX	RAYTHEON TECHNOLOGIES CORP	16,447	$1.414M	1.3%	—	—	COMMON STOCK	75513E101
EMR	EMERSON ELECTRIC CO	14,680	$1.383M	1.3%	—	—	COMMON STOCK	291011104
LOW	LOWES COMPANIES INC	6,693	$1.358M	1.3%	—	—	COMMON STOCK	548661107
ORCL	ORACLE CORP	14,713	$1.282M	1.2%	—	—	COMMON STOCK	68389X105
WMT	WALMART INC	8,765	$1.222M	1.1%	—	—	COMMON STOCK	931142103
IBM	INTERNATIONAL BUSINESS MACHS	8,509	$1.182M	1.1%	—	—	COMMON STOCK	459200101
VZ	VERIZON COMMUNICATIONS INC	20,810	$1.124M	1.0%	—	—	COMMON STOCK	92343V104
GIS	GENERAL MILLS INC	18,389	$1.1M	1.0%	—	—	COMMON STOCK	370334104
CVS	CVS HEALTH CORPORATION	11,867	$1.007M	0.9%	—	—	COMMON STOCK	126650100
MMM	3M CO	5,389	$946K	0.9%	—	—	COMMON STOCK	88579Y101
MRK	MERCK & CO INC	11,885	$892K	0.8%	—	—	COMMON STOCK	58933Y105
ADP	AUTOMATIC DATA PROCESSING INC	4,185	$837K	0.8%	—	—	COMMON STOCK	053015103
UPS	UNITED PARCEL SERVICE	4,275	$779K	0.7%	—	—	COMMON STOCK	911312106
BMY	BRISTOL-MYERS SQUIBB CO	10,521	$622K	0.6%	—	—	COMMON STOCK	110122108
MAS	MASCO CORP	10,800	$600K	0.6%	—	—	COMMON STOCK	574599106
LLY	ELI LILLY & CO	2,556	$590K	0.5%	—	—	COMMON STOCK	532457108
STT	STATE STREET CORP	6,825	$578K	0.5%	—	—	COMMON STOCK	857477103
ECL	ECOLAB INC	2,650	$553K	0.5%	—	—	COMMON STOCK	278865100
VWO	VANGUARD EMERGING MARKETS STOCK	10,125	$506K	0.5%	—	—	MUTUAL FUND/STO	922042858
NSC	NORFOLK SOUTHERN CORP	2,103	$503K	0.5%	—	—	COMMON STOCK	655844108
PM	PHILIP MORRIS INTERNATIONAL INC	5,219	$495K	0.5%	—	—	COMMON STOCK	718172109
HD	HOME DEPOT INC	1,485	$487K	0.5%	—	—	COMMON STOCK	437076102
JCI	JOHNSON CTLS INTL PLC SHS	6,658	$454K	0.4%	—	—	FOREIGN STOCK	G51502105
EXC	EXELON CORP	9,288	$449K	0.4%	—	—	COMMON STOCK	30161N101
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$441K	0.4%	—	—	COMMON STOCK	084670702
—	JACOBS ENGINEERING GROUP INC	3,220	$427K	0.4%	—	—	COMMON STOCK	469814107
EFA	ISHARES MSCI EAFE (MKT)	5,004	$390K	0.4%	—	—	MUTUAL FUNDS GL	464287465
DD	DUPONT DE NEMOURS INC	5,604	$381K	0.4%	—	—	COMMON STOCK	26614N102
CAT	CATERPILLAR INC	1,963	$377K	0.4%	—	—	COMMON STOCK	149123101
LMT	LOCKHEED MARTIN CORP	1,060	$366K	0.3%	—	—	COMMON STOCK	539830109
GOOG	ALPHABET INC	132	$352K	0.3%	—	—	COMMON STOCK	02079K107
DOW	DOW INC COM	6,033	$347K	0.3%	—	—	COMMON STOCK	260557103
CMCSA	COMCAST CORP	5,833	$326K	0.3%	—	—	COMMON STOCK	20030N101
APD	AIR PRODUCTS & CHEMICALS INC	1,200	$307K	0.3%	—	—	COMMON STOCK	009158106
BYND	BEYOND MEAT INC	2,850	$300K	0.3%	—	—	COMMON STOCK	08862E109
C	CITIGROUP INC	4,138	$290K	0.3%	—	—	COMMON STOCK	172967424
ALL	ALLSTATE CORP	2,250	$286K	0.3%	—	—	COMMON STOCK	020002101
SWK	STANLEY BLACK & DECKER INC	1,632	$286K	0.3%	—	—	COMMON STOCK	854502101
CME	CME GROUP INC	1,400	$271K	0.3%	—	—	COMMON STOCK	12572Q105
YUM	YUM! BRANDS INC	2,174	$265K	0.2%	—	—	COMMON STOCK	988498101
MO	ALTRIA GROUP INC	5,416	$246K	0.2%	—	—	COMMON STOCK	02209S103
VBR	VANGUARD SMALL CAP VALUE ETF	1,348	$228K	0.2%	—	—	MUTUAL FUND/STO	922908611
—	ANNALY CAPITAL MANAGEMENT INC	13,701	$116K	0.1%	—	—	COMMON STOCK	035710409