Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AMAT	APPLIED MATERIALS INC	44,603	$7.019M	6.1%	—	—	COMMON STOCK	038222105
AAPL	APPLE INC	31,876	$5.66M	4.9%	—	—	COMMON STOCK	037833100
MSFT	MICROSOFT CORP	15,771	$5.304M	4.6%	—	—	COMMON STOCK	594918104
INTC	INTEL CORP	90,826	$4.677M	4.1%	—	—	COMMON STOCK	458140100
JPM	JP MORGAN CHASE & CO	29,095	$4.607M	4.0%	—	—	COMMON STOCK	46625H100
JNJ	JOHNSON & JOHNSON	26,421	$4.52M	4.0%	—	—	COMMON STOCK	478160104
TRST	TRUSTCO BANK CORP NY	113,895	$3.794M	3.3%	—	—	COMMON STOCK	898349204
ABT	ABBOTT LABORATORIES	25,625	$3.607M	3.2%	—	—	COMMON STOCK	002824100
PG	PROCTER & GAMBLE CO	20,224	$3.308M	2.9%	—	—	COMMON STOCK	742718109
ABBV	ABBVIE INC SR NT	23,469	$3.178M	2.8%	—	—	COMMON STOCK	00287Y109
CVX	CHEVRON CORP NEW	26,375	$3.095M	2.7%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	17,442	$3.03M	2.6%	—	—	COMMON STOCK	713448108
KO	COCA COLA CO	50,524	$2.992M	2.6%	—	—	COMMON STOCK	191216100
NKE	NIKE INC	16,984	$2.831M	2.5%	—	—	COMMON STOCK	654106103
GE	GENERAL ELECTRIC CO	29,941	$2.828M	2.5%	—	—	COMMON STOCK	369604301
DIS	DISNEY WALT CO	18,120	$2.807M	2.5%	—	—	COMMON STOCK	254687106
XOM	EXXON MOBIL CORP	43,629	$2.67M	2.3%	—	—	COMMON STOCK	30231G102
T	AT&T INC	94,863	$2.334M	2.0%	—	—	COMMON STOCK	00206R102
CL	COLGATE PALMOLIVE CO	27,294	$2.329M	2.0%	—	—	COMMON STOCK	194162103
PFE	PFIZER INC	39,090	$2.308M	2.0%	—	—	COMMON STOCK	717081103
MCD	MCDONALDS CORP	7,709	$2.066M	1.8%	—	—	COMMON STOCK	580135101
CSCO	CISCO SYSTEMS INC	30,066	$1.905M	1.7%	—	—	COMMON STOCK	17275R102
SO	SOUTHERN CO	27,495	$1.885M	1.6%	—	—	COMMON STOCK	842587107
TGT	TARGET CORP	8,073	$1.869M	1.6%	—	—	COMMON STOCK	87612E106
LOW	LOWES COMPANIES INC	6,693	$1.73M	1.5%	—	—	COMMON STOCK	548661107
AXP	AMERICAN EXPRESS CO	10,237	$1.675M	1.5%	—	—	COMMON STOCK	025816109
TXN	TEXAS INSTRUMENTS INC	8,825	$1.663M	1.5%	—	—	COMMON STOCK	882508104
—	VIACOMCBS INC	50,649	$1.529M	1.3%	—	—	COMMON STOCK	92556H206
EMR	EMERSON ELECTRIC CO	14,630	$1.36M	1.2%	—	—	COMMON STOCK	291011104
RTX	RAYTHEON TECHNOLOGIES CORP	15,254	$1.313M	1.1%	—	—	COMMON STOCK	75513E101
WMT	WALMART INC	8,804	$1.273M	1.1%	—	—	COMMON STOCK	931142103
GIS	GENERAL MILLS INC	18,264	$1.231M	1.1%	—	—	COMMON STOCK	370334104
MDT	MEDTRONIC PLC	11,859	$1.227M	1.1%	—	—	FOREIGN STOCK	G5960L103
CVS	CVS HEALTH CORPORATION	11,867	$1.225M	1.1%	—	—	COMMON STOCK	126650100
ORCL	ORACLE CORP	13,988	$1.22M	1.1%	—	—	COMMON STOCK	68389X105
IBM	INTERNATIONAL BUSINESS MACHS	8,059	$1.078M	0.9%	—	—	COMMON STOCK	459200101
ADP	AUTOMATIC DATA PROCESSING INC	4,185	$1.032M	0.9%	—	—	COMMON STOCK	053015103
VZ	VERIZON COMMUNICATIONS INC	19,624	$1.02M	0.9%	—	—	COMMON STOCK	92343V104
MMM	3M CO	5,364	$953K	0.8%	—	—	COMMON STOCK	88579Y101
UPS	UNITED PARCEL SERVICE	4,275	$917K	0.8%	—	—	COMMON STOCK	911312106
MRK	MERCK & CO INC	11,699	$896K	0.8%	—	—	COMMON STOCK	58933Y105
MAS	MASCO CORP	10,625	$747K	0.7%	—	—	COMMON STOCK	574599106
LLY	ELI LILLY & CO	2,566	$708K	0.6%	—	—	COMMON STOCK	532457108
STT	STATE STREET CORP	6,825	$635K	0.6%	—	—	COMMON STOCK	857477103
BMY	BRISTOL-MYERS SQUIBB CO	10,096	$630K	0.6%	—	—	COMMON STOCK	110122108
NSC	NORFOLK SOUTHERN CORP	2,103	$626K	0.5%	—	—	COMMON STOCK	655844108
ECL	ECOLAB INC	2,650	$621K	0.5%	—	—	COMMON STOCK	278865100
HD	HOME DEPOT INC	1,485	$616K	0.5%	—	—	COMMON STOCK	437076102
JCI	JOHNSON CTLS INTL PLC SHS	6,544	$532K	0.5%	—	—	FOREIGN STOCK	G51502105
VWO	VANGUARD EMERGING MARKETS STOCK	10,175	$503K	0.4%	—	—	MUTUAL FUND/STO	922042858
PM	PHILIP MORRIS INTERNATIONAL INC	5,219	$496K	0.4%	—	—	COMMON STOCK	718172109
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$483K	0.4%	—	—	COMMON STOCK	084670702
EXC	EXELON CORP	7,588	$438K	0.4%	—	—	COMMON STOCK	30161N101
—	JACOBS ENGINEERING GROUP INC	3,070	$427K	0.4%	—	—	COMMON STOCK	469814107
CAT	CATERPILLAR INC	2,013	$416K	0.4%	—	—	COMMON STOCK	149123101
DD	DUPONT DE NEMOURS INC	5,109	$413K	0.4%	—	—	COMMON STOCK	26614N102
EFA	ISHARES MSCI EAFE (MKT)	5,004	$394K	0.3%	—	—	MUTUAL FUNDS GL	464287465
LMT	LOCKHEED MARTIN CORP	1,060	$376K	0.3%	—	—	COMMON STOCK	539830109
GOOG	ALPHABET INC	128	$371K	0.3%	—	—	COMMON STOCK	02079K107
APD	AIR PRODUCTS & CHEMICALS INC	1,200	$365K	0.3%	—	—	COMMON STOCK	009158106
DOW	DOW INC COM	5,751	$326K	0.3%	—	—	COMMON STOCK	260557103
SWK	STANLEY BLACK & DECKER INC	1,632	$308K	0.3%	—	—	COMMON STOCK	854502101
YUM	YUM! BRANDS INC	2,166	$301K	0.3%	—	—	COMMON STOCK	988498101
CME	CME GROUP INC	1,300	$297K	0.3%	—	—	COMMON STOCK	12572Q105
CMCSA	COMCAST CORP	5,833	$294K	0.3%	—	—	COMMON STOCK	20030N101
MO	ALTRIA GROUP INC	5,641	$267K	0.2%	—	—	COMMON STOCK	02209S103
ALL	ALLSTATE CORP	2,200	$259K	0.2%	—	—	COMMON STOCK	020002101
VBR	VANGUARD SMALL CAP VALUE ETF	1,348	$241K	0.2%	—	—	MUTUAL FUND/STO	922908611
C	CITIGROUP INC	3,988	$240K	0.2%	—	—	COMMON STOCK	172967424
—	ANNALY CAPITAL MANAGEMENT INC	13,401	$105K	0.1%	—	—	COMMON STOCK	035710409