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 2,573 89,412 SH   SOLE 7,000 89,412 0 0
AT&T INC COMMON STOCK 00206R102 176 6,127 SH   OTR 7,000 4,715 1,412 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,809 24,228 SH   SOLE 7,000 23,161 0 1,067
ABBOTT LABORATORIES COMMON STOCK 002824100 315 2,717 SH   OTR 7,000 2,717 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 2,227 19,767 SH   SOLE 7,000 18,750 0 1,017
ABBVIE INC SR NT COMMON STOCK 00287Y109 454 4,030 SH   OTR 7,000 3,530 500 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 345 1,200 SH   SOLE 7,000 1,200 0 0
ALLSTATE CORP COMMON STOCK 020002101 274 2,100 SH   SOLE 7,000 2,100 0 0
ALLSTATE CORP COMMON STOCK 020002101 26 200 SH   OTR 7,000 200 0 0
ALPHABET INC COMMON STOCK 02079K107 105 42 SH   SOLE 7,000 42 0 0
ALPHABET INC COMMON STOCK 02079K107 125 50 SH   OTR 7,000 50 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 123 2,580 SH   SOLE 7,000 2,580 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 116 2,436 SH   OTR 7,000 2,436 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,417 8,575 SH   SOLE 7,000 8,575 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 281 1,700 SH   OTR 7,000 1,200 500 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 108 12,200 SH   SOLE 7,000 12,200 0 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 4 400 SH   OTR 7,000 400 0 0
APPLE INC COMMON STOCK 037833100 4,413 32,220 SH   SOLE 7,000 32,220 0 0
APPLE INC COMMON STOCK 037833100 197 1,440 SH   OTR 7,000 1,100 340 0
APPLIED MATERIALS INC COMMON STOCK 038222105 5,903 41,453 SH   SOLE 7,000 40,853 0 600
APPLIED MATERIALS INC COMMON STOCK 038222105 427 3,000 SH   OTR 7,000 2,500 500 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 782 3,935 SH   SOLE 7,000 3,035 0 900
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 79 400 SH   OTR 7,000 400 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 449 1,616 SH   OTR 7,000 1,616 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 459 6,865 SH   SOLE 7,000 6,865 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 299 4,482 SH   OTR 7,000 3,582 900 0
CME GROUP INC COMMON STOCK 12572Q105 298 1,400 SH   SOLE 7,000 1,400 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 834 10,000 SH   SOLE 7,000 10,000 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 156 1,867 SH   OTR 7,000 1,867 0 0
CATERPILLAR INC COMMON STOCK 149123101 340 1,563 SH   SOLE 7,000 1,563 0 0
CATERPILLAR INC COMMON STOCK 149123101 87 400 SH   OTR 7,000 400 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 2,428 23,182 SH   SOLE 7,000 23,182 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 387 3,693 SH   OTR 7,000 2,803 890 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,447 27,310 SH   SOLE 7,000 27,310 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 158 2,981 SH   OTR 7,000 842 2,139 0
CITIGROUP INC COMMON STOCK 172967424 258 3,650 SH   SOLE 7,000 3,650 0 0
CITIGROUP INC COMMON STOCK 172967424 33 468 SH   OTR 7,000 468 0 0
COCA COLA CO COMMON STOCK 191216100 2,438 45,049 SH   SOLE 7,000 44,449 0 600
COCA COLA CO COMMON STOCK 191216100 329 6,079 SH   OTR 7,000 3,029 3,050 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,828 22,474 SH   SOLE 7,000 22,474 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 384 4,720 SH   OTR 7,000 4,320 400 0
COMCAST CORP COMMON STOCK 20030N101 331 5,800 SH   OTR 7,000 5,800 0 0
DISNEY WALT CO COMMON STOCK 254687106 3,098 17,624 SH   SOLE 7,000 16,349 0 1,275
DISNEY WALT CO COMMON STOCK 254687106 202 1,150 SH   OTR 7,000 700 450 0
DOW INC COM COMMON STOCK 260557103 317 5,006 SH   SOLE 7,000 4,494 0 512
DOW INC COM COMMON STOCK 260557103 73 1,151 SH   OTR 7,000 411 740 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 357 4,619 SH   SOLE 7,000 4,107 0 512
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 89 1,151 SH   OTR 7,000 411 740 0
ECOLAB INC COMMON STOCK 278865100 525 2,550 SH   SOLE 7,000 2,550 0 0
ECOLAB INC COMMON STOCK 278865100 21 100 SH   OTR 7,000 100 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,342 13,949 SH   SOLE 7,000 13,949 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 69 713 SH   OTR 7,000 713 0 0
EXELON CORP COMMON STOCK 30161N101 318 7,168 SH   SOLE 7,000 7,168 0 0
EXELON CORP COMMON STOCK 30161N101 98 2,220 SH   OTR 7,000 1,620 600 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,341 37,119 SH   SOLE 7,000 35,769 0 1,350
EXXON MOBIL CORP COMMON STOCK 30231G102 617 9,781 SH   OTR 7,000 5,491 4,290 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 3,042 225,999 SH   SOLE 7,000 221,739 0 4,260
GENERAL ELECTRIC CO COMMON STOCK 369604103 396 29,387 SH   OTR 7,000 14,483 14,904 0
GENERAL MILLS INC COMMON STOCK 370334104 907 14,891 SH   SOLE 7,000 14,891 0 0
GENERAL MILLS INC COMMON STOCK 370334104 234 3,848 SH   OTR 7,000 2,448 1,400 0
HOME DEPOT INC COMMON STOCK 437076102 426 1,335 SH   SOLE 7,000 1,335 0 0
HOME DEPOT INC COMMON STOCK 437076102 32 100 SH   OTR 7,000 100 0 0
INTEL CORP COMMON STOCK 458140100 4,878 86,889 SH   SOLE 7,000 86,614 0 275
INTEL CORP COMMON STOCK 458140100 317 5,644 SH   OTR 7,000 3,794 1,850 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 772 5,268 SH   SOLE 7,000 5,268 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 446 3,041 SH   OTR 7,000 2,841 200 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 374 4,739 SH   SOLE 7,000 4,739 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 65 825 SH   OTR 7,000 825 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,763 24,192 SH   SOLE 7,000 23,892 0 300
JP MORGAN CHASE & CO COMMON STOCK 46625H100 971 6,241 SH   OTR 7,000 4,991 1,250 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 307 2,300 SH   SOLE 7,000 2,300 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 109 820 SH   OTR 7,000 0 820 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,537 21,473 SH   SOLE 7,000 21,473 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 824 5,004 SH   OTR 7,000 2,504 2,500 0
ELI LILLY & CO COMMON STOCK 532457108 321 1,400 SH   SOLE 7,000 1,400 0 0
ELI LILLY & CO COMMON STOCK 532457108 265 1,156 SH   OTR 7,000 456 700 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 198 524 SH   SOLE 7,000 524 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 202 533 SH   OTR 7,000 533 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,227 6,325 SH   SOLE 7,000 6,325 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 102 528 SH   OTR 7,000 528 0 0
MASCO CORP COMMON STOCK 574599106 483 8,200 SH   SOLE 7,000 8,200 0 0
MASCO CORP COMMON STOCK 574599106 153 2,600 SH   OTR 7,000 0 2,600 0
MCDONALDS CORP COMMON STOCK 580135101 1,605 6,950 SH   SOLE 7,000 6,950 0 0
MCDONALDS CORP COMMON STOCK 580135101 190 822 SH   OTR 7,000 622 200 0
MERCK & CO INC COMMON STOCK 58933Y105 581 7,475 SH   SOLE 7,000 7,475 0 0
MERCK & CO INC COMMON STOCK 58933Y105 337 4,338 SH   OTR 7,000 1,859 2,479 0
MICROSOFT CORP COMMON STOCK 594918104 3,291 12,147 SH   SOLE 7,000 12,147 0 0
MICROSOFT CORP COMMON STOCK 594918104 981 3,621 SH   OTR 7,000 3,621 0 0
NIKE INC COMMON STOCK 654106103 2,445 15,825 SH   SOLE 7,000 15,825 0 0
NIKE INC COMMON STOCK 654106103 108 700 SH   OTR 7,000 700 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 252 950 SH   SOLE 7,000 950 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 306 1,153 SH   OTR 7,000 1,153 0 0
ORACLE CORP COMMON STOCK 68389X105 912 11,711 SH   SOLE 7,000 11,711 0 0
ORACLE CORP COMMON STOCK 68389X105 241 3,102 SH   OTR 7,000 2,202 900 0
PEPSICO INC COMMON STOCK 713448108 1,992 13,441 SH   SOLE 7,000 13,441 0 0
PEPSICO INC COMMON STOCK 713448108 606 4,089 SH   OTR 7,000 3,089 1,000 0
PFIZER INC COMMON STOCK 717081103 1,406 35,901 SH   SOLE 7,000 35,901 0 0
PFIZER INC COMMON STOCK 717081103 283 7,231 SH   OTR 7,000 7,231 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 268 2,700 SH   SOLE 7,000 2,700 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 230 2,319 SH   OTR 7,000 2,319 0 0
PIEDMONT LITHIUM INC COMMON STOCK 72016P105 289 3,700 SH   SOLE 7,000 3,700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,411 17,867 SH   SOLE 7,000 17,867 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 357 2,645 SH   OTR 7,000 2,645 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 1,303 15,274 SH   SOLE 7,000 15,274 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 86 1,005 SH   OTR 7,000 1,005 0 0
SOUTHERN CO COMMON STOCK 842587107 1,391 22,996 SH   SOLE 7,000 22,996 0 0
SOUTHERN CO COMMON STOCK 842587107 293 4,849 SH   OTR 7,000 3,349 1,500 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 335 1,632 SH   OTR 7,000 1,632 0 0
STATE STREET CORP COMMON STOCK 857477103 504 6,125 SH   SOLE 7,000 6,125 0 0
STATE STREET CORP COMMON STOCK 857477103 41 500 SH   OTR 7,000 100 400 0
TARGET CORP COMMON STOCK 87612E106 1,632 6,750 SH   SOLE 7,000 6,750 0 0
TARGET CORP COMMON STOCK 87612E106 284 1,173 SH   OTR 7,000 773 400 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,716 8,925 SH   SOLE 7,000 8,925 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 581 1,151 SH   OTR 7,000 1,151 0 0
3M CO COMMON STOCK 88579Y101 941 4,739 SH   SOLE 7,000 4,739 0 0
3M CO COMMON STOCK 88579Y101 129 650 SH   OTR 7,000 650 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 4,132 120,172 SH   SOLE 7,000 120,172 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 44 1,266 SH   OTR 7,000 1,266 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 733 3,525 SH   SOLE 7,000 3,525 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 135 650 SH   OTR 7,000 250 400 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 486 8,940 SH   SOLE 7,000 8,940 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 106 1,950 SH   OTR 7,000 1,625 325 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 162 935 SH   SOLE 7,000 935 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 72 413 SH   OTR 7,000 413 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 907 16,189 SH   SOLE 7,000 16,089 0 100
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 320 5,716 SH   OTR 7,000 4,316 1,400 0
VIACOMCBS INC COMMON STOCK 92556H206 2,289 50,649 SH   SOLE 7,000 50,649 0 0
WALMART INC COMMON STOCK 931142103 1,082 7,670 SH   SOLE 7,000 7,670 0 0
WALMART INC COMMON STOCK 931142103 180 1,275 SH   OTR 7,000 475 800 0
YUM! BRANDS INC COMMON STOCK 988498101 249 2,166 SH   OTR 7,000 2,166 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 388 5,649 SH   SOLE 7,000 5,649 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 55 801 SH   OTR 7,000 801 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 1,205 9,710 SH   SOLE 7,000 9,710 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 265 2,132 SH   OTR 7,000 932 1,200 0