Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
TRST	TRUSTCO BANK CORP NY	149,082	$4.598M	5.0%	—	—	COMMON STOCK	898349204
JNJ	JOHNSON & JOHNSON	25,703	$4.562M	4.9%	—	—	COMMON STOCK	478160104
AAPL	APPLE INC	29,645	$4.053M	4.4%	—	—	COMMON STOCK	037833100
AMAT	APPLIED MATERIALS INC	43,202	$3.93M	4.2%	—	—	COMMON STOCK	038222105
MSFT	MICROSOFT CORP	14,717	$3.78M	4.1%	—	—	COMMON STOCK	594918104
XOM	EXXON MOBIL CORP	41,856	$3.585M	3.9%	—	—	COMMON STOCK	30231G102
ABBV	ABBVIE INC SR NT	22,939	$3.514M	3.8%	—	—	COMMON STOCK	00287Y109
JPM	JP MORGAN CHASE & CO	28,359	$3.193M	3.4%	—	—	COMMON STOCK	46625H100
KO	COCA COLA CO	48,944	$3.079M	3.3%	—	—	COMMON STOCK	191216100
CVX	CHEVRON CORP NEW	19,315	$2.796M	3.0%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	16,601	$2.766M	3.0%	—	—	COMMON STOCK	713448108
PG	PROCTER & GAMBLE CO	19,158	$2.755M	3.0%	—	—	COMMON STOCK	742718109
ABT	ABBOTT LABORATORIES	25,245	$2.743M	3.0%	—	—	COMMON STOCK	002824100
INTC	INTEL CORP	69,764	$2.61M	2.8%	—	—	COMMON STOCK	458140100
CL	COLGATE PALMOLIVE CO	27,428	$2.198M	2.4%	—	—	COMMON STOCK	194162103
PFE	PFIZER INC	38,042	$1.995M	2.2%	—	—	COMMON STOCK	717081103
MCD	MCDONALDS CORP	7,709	$1.903M	2.1%	—	—	COMMON STOCK	580135101
SO	SOUTHERN CO	26,478	$1.888M	2.0%	—	—	COMMON STOCK	842587107
GE	GENERAL ELECTRIC CO	29,572	$1.882M	2.0%	—	—	COMMON STOCK	369604301
DIS	DISNEY WALT CO	17,506	$1.652M	1.8%	—	—	COMMON STOCK	254687106
NKE	NIKE INC	15,664	$1.601M	1.7%	—	—	COMMON STOCK	654106103
RTX	RAYTHEON TECHNOLOGIES CORP	15,123	$1.454M	1.6%	—	—	COMMON STOCK	75513E101
TXN	TEXAS INSTRUMENTS INC	8,760	$1.346M	1.5%	—	—	COMMON STOCK	882508104
AXP	AMERICAN EXPRESS CO	9,586	$1.328M	1.4%	—	—	COMMON STOCK	025816109
GIS	GENERAL MILLS INC	17,384	$1.312M	1.4%	—	—	COMMON STOCK	370334104
T	AT&T INC	59,776	$1.253M	1.4%	—	—	COMMON STOCK	00206R102
—	PARAMOUNT GLOBAL	50,649	$1.25M	1.3%	—	—	COMMON STOCK	92556H206
CSCO	CISCO SYSTEMS INC	29,164	$1.244M	1.3%	—	—	COMMON STOCK	17275R102
EMR	EMERSON ELECTRIC CO	14,630	$1.164M	1.3%	—	—	COMMON STOCK	291011104
LOW	LOWES COMPANIES INC	6,565	$1.146M	1.2%	—	—	COMMON STOCK	548661107
TGT	TARGET CORP	8,073	$1.14M	1.2%	—	—	COMMON STOCK	87612E106
CVS	CVS HEALTH CORPORATION	11,977	$1.11M	1.2%	—	—	COMMON STOCK	126650100
IBM	INTERNATIONAL BUSINESS MACHS	7,849	$1.109M	1.2%	—	—	COMMON STOCK	459200101
MRK	MERCK & CO INC	11,466	$1.046M	1.1%	—	—	COMMON STOCK	58933Y105
WMT	WALMART INC	8,544	$1.038M	1.1%	—	—	COMMON STOCK	931142103
MDT	MEDTRONIC PLC	11,232	$1.008M	1.1%	—	—	FOREIGN STOCK	G5960L103
VZ	VERIZON COMMUNICATIONS INC	19,304	$980K	1.1%	—	—	COMMON STOCK	92343V104
ORCL	ORACLE CORP	13,060	$913K	1.0%	—	—	COMMON STOCK	68389X105
LLY	ELI LILLY & CO	2,566	$832K	0.9%	—	—	COMMON STOCK	532457108
UPS	UNITED PARCEL SERVICE	4,237	$773K	0.8%	—	—	COMMON STOCK	911312106
ADP	AUTOMATIC DATA PROCESSING INC	3,625	$761K	0.8%	—	—	COMMON STOCK	053015103
BMY	BRISTOL-MYERS SQUIBB CO	9,428	$726K	0.8%	—	—	COMMON STOCK	110122108
MMM	3M CO	5,313	$688K	0.7%	—	—	COMMON STOCK	88579Y101
PM	PHILIP MORRIS INTERNATIONAL INC	5,219	$516K	0.6%	—	—	COMMON STOCK	718172109
MAS	MASCO CORP	9,525	$482K	0.5%	—	—	COMMON STOCK	574599106
NSC	NORFOLK SOUTHERN CORP	2,103	$478K	0.5%	—	—	COMMON STOCK	655844108
LMT	LOCKHEED MARTIN CORP	1,057	$454K	0.5%	—	—	COMMON STOCK	539830109
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$441K	0.5%	—	—	COMMON STOCK	084670702
STT	STATE STREET CORP	6,745	$415K	0.4%	—	—	COMMON STOCK	857477103
HD	HOME DEPOT INC	1,493	$410K	0.4%	—	—	COMMON STOCK	437076102
VWO	VANGUARD EMERGING MARKETS STOCK	9,775	$407K	0.4%	—	—	MUTUAL FUND/STO	922042858
ECL	ECOLAB INC	2,520	$387K	0.4%	—	—	COMMON STOCK	278865100
—	JACOBS ENGINEERING GROUP INC	2,970	$378K	0.4%	—	—	COMMON STOCK	469814107
CAT	CATERPILLAR INC	1,953	$350K	0.4%	—	—	COMMON STOCK	149123101
EXC	EXELON CORP	7,478	$339K	0.4%	—	—	COMMON STOCK	30161N101
JCI	JOHNSON CTLS INTL PLC SHS	6,228	$298K	0.3%	—	—	FOREIGN STOCK	G51502105
APD	AIR PRODUCTS & CHEMICALS INC	1,200	$289K	0.3%	—	—	COMMON STOCK	009158106
GOOG	ALPHABET INC	128	$280K	0.3%	—	—	COMMON STOCK	02079K107
ALL	ALLSTATE CORP	2,200	$278K	0.3%	—	—	COMMON STOCK	020002101
DOW	DOW INC COM	5,399	$278K	0.3%	—	—	COMMON STOCK	260557103
CME	CME GROUP INC	1,300	$266K	0.3%	—	—	COMMON STOCK	12572Q105
DD	DUPONT DE NEMOURS INC	4,773	$265K	0.3%	—	—	COMMON STOCK	26614N102
YUM	YUM! BRANDS INC	2,246	$255K	0.3%	—	—	COMMON STOCK	988498101
MO	ALTRIA GROUP INC	5,641	$235K	0.3%	—	—	COMMON STOCK	02209S103
EFA	ISHARES MSCI EAFE (MKT)	3,729	$233K	0.3%	—	—	MUTUAL FUNDS GL	464287465
CMCSA	COMCAST CORP	5,833	$229K	0.2%	—	—	COMMON STOCK	20030N101
—	ANNALY CAPITAL MANAGEMENT INC	13,301	$79,000	0.1%	—	—	COMMON STOCK	035710409