The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COMMON STOCK 00206R102 1,369 34,950 SH   DFND   34,950 0 0
AT&T INC COMMON STOCK 00206R102 267 6,808 SH   OTR   4,715 2,093 0
ABBOTT LABORATORIES COMMON STOCK 002824100 1,641 30,744 SH   DFND   29,677 0 1,067
ABBOTT LABORATORIES COMMON STOCK 002824100 358 6,717 SH   OTR   3,517 3,200 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 2,218 24,958 SH   DFND   23,741 0 1,217
ABBVIE INC SR NT COMMON STOCK 00287Y109 591 6,651 SH   OTR   3,351 3,300 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 363 2,400 SH   DFND   2,400 0 0
ALLSTATE CORP COMMON STOCK 020002101 211 2,300 SH   DFND   2,300 0 0
ALLSTATE CORP COMMON STOCK 020002101 18 200 SH   OTR   200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 100 SH   DFND   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 300 4,736 SH   OTR   2,436 2,300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 925 10,225 SH   DFND   10,225 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 213 2,350 SH   OTR   1,550 800 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 248 20,350 SH   DFND   20,350 0 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 26 2,100 SH   OTR   2,100 0 0
APPLE INC COMMON STOCK 037833100 1,463 9,495 SH   DFND   9,495 0 0
APPLE INC COMMON STOCK 037833100 339 2,200 SH   OTR   1,325 875 0
APPLIED MATERIALS INC COMMON STOCK 038222105 2,688 51,603 SH   DFND   51,003 0 600
APPLIED MATERIALS INC COMMON STOCK 038222105 224 4,300 SH   OTR   2,300 2,000 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 552 5,047 SH   DFND   3,697 0 1,350
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 44 400 SH   OTR   400 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 296 1,616 SH   OTR   1,616 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 475 7,457 SH   DFND   7,457 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 933 14,642 SH   OTR   7,342 7,300 0
CME GROUP INC COMMON STOCK 12572Q105 244 1,800 SH   DFND   1,800 0 0
CATERPILLAR INC COMMON STOCK 149123101 158 1,263 SH   DFND   1,263 0 0
CATERPILLAR INC COMMON STOCK 149123101 50 400 SH   OTR   400 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 1,906 16,225 SH   DFND   16,225 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 624 5,308 SH   OTR   2,918 2,390 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,113 33,095 SH   DFND   32,895 0 200
CISCO SYSTEMS INC COMMON STOCK 17275R102 175 5,192 SH   OTR   892 4,300 0
CITIGROUP INC COMMON STOCK 172967424 324 4,450 SH   DFND   4,450 0 0
CITIGROUP INC COMMON STOCK 172967424 60 828 SH   OTR   628 200 0
COCA COLA CO COMMON STOCK 191216100 2,283 50,724 SH   DFND   50,124 0 600
COCA COLA CO COMMON STOCK 191216100 656 14,579 SH   OTR   3,829 10,750 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 950 13,036 SH   DFND   13,036 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 475 6,520 SH   OTR   4,720 1,800 0
COMCAST CORP COMMON STOCK 20030N101 223 5,800 SH   OTR   5,800 0 0
DISNEY WALT CO COMMON STOCK 254687106 2,099 21,296 SH   DFND   19,696 0 1,600
DISNEY WALT CO COMMON STOCK 254687106 557 5,650 SH   OTR   1,550 4,100 0
DOWDUPONT INC COM COMMON STOCK 26078J100 1,289 18,619 SH   DFND   16,883 0 1,736
DOWDUPONT INC COM COMMON STOCK 26078J100 444 6,415 SH   OTR   3,935 2,480 0
ECOLAB INC COMMON STOCK 278865100 469 3,650 SH   DFND   3,650 0 0
ECOLAB INC COMMON STOCK 278865100 39 300 SH   OTR   300 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 154 2,449 SH   DFND   2,449 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 120 1,913 SH   OTR   713 1,200 0
EXELON CORP COMMON STOCK 30161N101 372 9,883 SH   DFND   9,883 0 0
EXELON CORP COMMON STOCK 30161N101 106 2,820 SH   OTR   2,220 600 0
EXXON MOBIL CORP COMMON STOCK 30231G102 3,539 43,167 SH   DFND   41,817 0 1,350
EXXON MOBIL CORP COMMON STOCK 30231G102 2,147 26,189 SH   OTR   13,599 12,590 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 6,084 251,625 SH   DFND   247,165 0 4,460
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,667 68,927 SH   OTR   27,223 38,704 3,000
GENERAL MILLS INC COMMON STOCK 370334104 1,047 20,231 SH   DFND   20,231 0 0
GENERAL MILLS INC COMMON STOCK 370334104 295 5,698 SH   OTR   4,098 1,600 0
GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 206 5,073 SH   DFND   5,073 0 0
GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 9 227 SH   OTR   227 0 0
HOME DEPOT INC COMMON STOCK 437076102 372 2,275 SH   DFND   2,275 0 0
HOME DEPOT INC COMMON STOCK 437076102 16 100 SH   OTR   100 0 0
INTEL CORP COMMON STOCK 458140100 2,627 68,991 SH   DFND   68,691 0 300
INTEL CORP COMMON STOCK 458140100 512 13,447 SH   OTR   8,047 5,400 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 1,078 7,432 SH   DFND   7,432 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 670 4,616 SH   OTR   3,366 1,250 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STOCK 464287465 501 7,314 SH   DFND   7,314 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUND/STOCK 464287465 60 875 SH   OTR   175 700 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 2,739 28,681 SH   DFND   28,281 0 400
JPMORGAN CHASE & CO COMMON STOCK 46625H100 720 7,538 SH   OTR   5,738 1,800 0
JACOBS ENGINEERING GROUP COMMON STOCK 469814107 212 3,634 SH   DFND   3,634 0 0
JACOBS ENGINEERING GROUP COMMON STOCK 469814107 70 1,200 SH   OTR   0 1,200 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,097 23,825 SH   DFND   23,825 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,002 7,707 SH   OTR   3,607 4,100 0
ELI LILLY & CO COMMON STOCK 532457108 132 1,541 SH   DFND   1,541 0 0
ELI LILLY & CO COMMON STOCK 532457108 99 1,156 SH   OTR   456 700 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 225 724 SH   DFND   724 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 165 533 SH   OTR   533 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 712 8,909 SH   DFND   8,909 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 46 578 SH   OTR   578 0 0
MASCO CORP COMMON STOCK 574599106 383 9,825 SH   DFND   9,825 0 0
MASCO CORP COMMON STOCK 574599106 203 5,200 SH   OTR   2,000 3,200 0
MCDONALDS CORP COMMON STOCK 580135101 1,316 8,400 SH   DFND   8,400 0 0
MCDONALDS CORP COMMON STOCK 580135101 144 922 SH   OTR   622 300 0
MERCK & CO INC COMMON STOCK 58933Y105 636 9,926 SH   DFND   9,926 0 0
MERCK & CO INC COMMON STOCK 58933Y105 288 4,494 SH   OTR   2,015 2,479 0
MICROSOFT CORP COMMON STOCK 594918104 1,554 20,866 SH   DFND   20,866 0 0
MICROSOFT CORP COMMON STOCK 594918104 332 4,453 SH   OTR   4,103 350 0
NBT BANCORP INC COMMON STOCK 628778102 47 1,272 SH   DFND   1,272 0 0
NBT BANCORP INC COMMON STOCK 628778102 733 19,964 SH   OTR   19,964 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 176 1,200 SH   DFND   1,200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 43 296 SH   OTR   296 0 0
NIKE INC COMMON STOCK 654106103 1,274 24,575 SH   DFND   24,575 0 0
NIKE INC COMMON STOCK 654106103 156 3,000 SH   OTR   2,400 600 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 232 1,753 SH   DFND   1,753 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 391 2,953 SH   OTR   1,253 1,700 0
ORACLE CORP COMMON STOCK 68389X105 696 14,400 SH   DFND   14,400 0 0
ORACLE CORP COMMON STOCK 68389X105 155 3,202 SH   OTR   1,502 1,700 0
PEPSICO INC COMMON STOCK 713448108 2,036 18,271 SH   DFND   18,171 0 100
PEPSICO INC COMMON STOCK 713448108 564 5,061 SH   OTR   3,861 1,200 0
PFIZER INC COMMON STOCK 717081103 885 24,777 SH   DFND   24,777 0 0
PFIZER INC COMMON STOCK 717081103 496 13,881 SH   OTR   9,181 4,700 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 11 100 SH   DFND   100 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 546 4,919 SH   OTR   2,219 2,700 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,196 24,139 SH   DFND   24,139 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 916 10,073 SH   OTR   2,745 7,328 0
SCHLUMBERGER LTD FOREIGN STOCK 806857108 338 4,841 SH   DFND   4,841 0 0
SCHLUMBERGER LTD FOREIGN STOCK 806857108 148 2,116 SH   OTR   2,016 100 0
SOUTHERN CO COMMON STOCK 842587107 914 18,595 SH   DFND   18,595 0 0
SOUTHERN CO COMMON STOCK 842587107 255 5,199 SH   OTR   3,499 1,700 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 246 1,632 SH   OTR   1,632 0 0
STATE STREET CORP COMMON STOCK 857477103 647 6,775 SH   DFND   6,775 0 0
STATE STREET CORP COMMON STOCK 857477103 177 1,850 SH   OTR   450 1,400 0
TARGET CORP COMMON STOCK 87612E106 510 8,642 SH   DFND   8,642 0 0
TARGET CORP COMMON STOCK 87612E106 81 1,373 SH   OTR   973 400 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,059 11,810 SH   DFND   11,810 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 218 1,151 SH   OTR   1,151 0 0
3M CO COMMON STOCK 88579Y101 1,635 7,789 SH   DFND   7,689 0 100
3M CO COMMON STOCK 88579Y101 745 3,550 SH   OTR   350 3,200 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 598 67,204 SH   DFND   8,260 0 58,944
TRUSTCO BANK CORP NY COMMON STOCK 898349105 8,835 992,706 SH   OTR   500 0 992,206
UNITED PARCEL SE RVICE COMMON STOCK 911312106 524 4,365 SH   DFND   4,365 0 0
UNITED PARCEL SE RVICE COMMON STOCK 911312106 120 1,000 SH   OTR   600 400 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,944 16,751 SH   DFND   16,751 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 302 2,605 SH   OTR   1,605 1,000 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STOCK 922042858 582 13,352 SH   DFND   13,352 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STOCK 922042858 102 2,340 SH   OTR   1,625 325 390
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,080 21,820 SH   DFND   21,720 0 100
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 347 7,016 SH   OTR   4,816 2,200 0
WAL-MART STORES INC COMMON STOCK 931142103 764 9,783 SH   DFND   9,783 0 0
WAL-MART STORES INC COMMON STOCK 931142103 104 1,325 SH   OTR   525 800 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,741 31,565 SH   DFND   31,565 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 398 7,223 SH   OTR   4,223 3,000 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 391 9,709 SH   DFND   9,709 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 61 1,503 SH   OTR   835 668 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 1,116 14,345 SH   DFND   14,345 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 205 2,632 SH   OTR   932 1,700 0