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 2,387 88,380 SH   SOLE 7,000 88,380 0 0
AT&T INC COMMON STOCK 00206R102 174 6,427 SH   OTR 7,000 5,015 1,412 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,706 22,908 SH   SOLE 7,000 21,841 0 1,067
ABBOTT LABORATORIES COMMON STOCK 002824100 345 2,917 SH   OTR 7,000 2,917 0 0
ABBVIE INC SR NT COMMON STOCK 00287Y109 2,132 19,767 SH   SOLE 7,000 18,750 0 1,017
ABBVIE INC SR NT COMMON STOCK 00287Y109 442 4,102 SH   OTR 7,000 3,730 372 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 307 1,200 SH   SOLE 7,000 1,200 0 0
ALLSTATE CORP COMMON STOCK 020002101 261 2,050 SH   SOLE 7,000 2,050 0 0
ALLSTATE CORP COMMON STOCK 020002101 25 200 SH   OTR 7,000 200 0 0
ALPHABET INC COMMON STOCK 02079K107 112 42 SH   SOLE 7,000 42 0 0
ALPHABET INC COMMON STOCK 02079K107 240 90 SH   OTR 7,000 90 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 117 2,580 SH   SOLE 7,000 2,580 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 129 2,836 SH   OTR 7,000 2,836 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,416 8,450 SH   SOLE 7,000 8,450 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 310 1,850 SH   OTR 7,000 1,350 500 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 103 12,200 SH   SOLE 7,000 12,200 0 0
ANNALY CAPITAL MANAGEMENT INC COMMON STOCK 035710409 13 1,501 SH   OTR 7,000 1,501 0 0
APPLE INC COMMON STOCK 037833100 4,399 31,091 SH   SOLE 7,000 31,091 0 0
APPLE INC COMMON STOCK 037833100 194 1,370 SH   OTR 7,000 1,100 270 0
APPLIED MATERIALS INC COMMON STOCK 038222105 5,311 41,253 SH   SOLE 7,000 40,653 0 600
APPLIED MATERIALS INC COMMON STOCK 038222105 451 3,500 SH   OTR 7,000 3,000 500 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 757 3,785 SH   SOLE 7,000 2,935 0 850
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 80 400 SH   OTR 7,000 400 0 0
BERKSHIRE HATHAWAY INC COMMON STOCK 084670702 441 1,616 SH   OTR 7,000 1,616 0 0
BEYOND MEAT INC COMMON STOCK 08862E109 300 2,850 SH   SOLE 7,000 2,850 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 406 6,865 SH   SOLE 7,000 6,865 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 216 3,656 SH   OTR 7,000 2,756 900 0
CME GROUP INC COMMON STOCK 12572Q105 271 1,400 SH   SOLE 7,000 1,400 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 849 10,000 SH   SOLE 7,000 10,000 0 0
CVS HEALTH CORPORATION COMMON STOCK 126650100 158 1,867 SH   OTR 7,000 1,867 0 0
CATERPILLAR INC COMMON STOCK 149123101 300 1,563 SH   SOLE 7,000 1,563 0 0
CATERPILLAR INC COMMON STOCK 149123101 77 400 SH   OTR 7,000 400 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 2,352 23,182 SH   SOLE 7,000 23,182 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 385 3,793 SH   OTR 7,000 2,903 890 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,481 27,211 SH   SOLE 7,000 27,211 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 162 2,981 SH   OTR 7,000 842 2,139 0
CITIGROUP INC COMMON STOCK 172967424 256 3,650 SH   SOLE 7,000 3,650 0 0
CITIGROUP INC COMMON STOCK 172967424 34 488 SH   OTR 7,000 488 0 0
COCA COLA CO COMMON STOCK 191216100 2,324 44,295 SH   SOLE 7,000 43,695 0 600
COCA COLA CO COMMON STOCK 191216100 340 6,479 SH   OTR 7,000 3,429 3,050 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,699 22,474 SH   SOLE 7,000 22,474 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 364 4,820 SH   OTR 7,000 4,420 400 0
COMCAST CORP COMMON STOCK 20030N101 2 33 SH   SOLE 7,000 33 0 0
COMCAST CORP COMMON STOCK 20030N101 324 5,800 SH   OTR 7,000 5,800 0 0
DISNEY WALT CO COMMON STOCK 254687106 2,862 16,919 SH   SOLE 7,000 15,719 0 1,200
DISNEY WALT CO COMMON STOCK 254687106 211 1,250 SH   OTR 7,000 800 450 0
DOW INC COM COMMON STOCK 260557103 279 4,845 SH   SOLE 7,000 4,333 0 512
DOW INC COM COMMON STOCK 260557103 68 1,188 SH   OTR 7,000 448 740 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 300 4,416 SH   SOLE 7,000 3,904 0 512
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 81 1,188 SH   OTR 7,000 448 740 0
ECOLAB INC COMMON STOCK 278865100 532 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 1,316 13,967 SH   SOLE 7,000 13,967 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 67 713 SH   OTR 7,000 713 0 0
EXELON CORP COMMON STOCK 30161N101 337 6,968 SH   SOLE 7,000 6,968 0 0
EXELON CORP COMMON STOCK 30161N101 112 2,320 SH   OTR 7,000 1,720 600 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,157 36,669 SH   SOLE 7,000 35,319 0 1,350
EXXON MOBIL CORP COMMON STOCK 30231G102 575 9,781 SH   OTR 7,000 5,491 4,290 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 2,812 27,291 SH   SOLE 7,000 26,810 0 481
GENERAL ELECTRIC CO COMMON STOCK 369604301 333 3,228 SH   OTR 7,000 1,509 1,719 0
GENERAL MILLS INC COMMON STOCK 370334104 861 14,391 SH   SOLE 7,000 14,391 0 0
GENERAL MILLS INC COMMON STOCK 370334104 239 3,998 SH   OTR 7,000 2,598 1,400 0
HOME DEPOT INC COMMON STOCK 437076102 438 1,335 SH   SOLE 7,000 1,335 0 0
HOME DEPOT INC COMMON STOCK 437076102 49 150 SH   OTR 7,000 150 0 0
INTEL CORP COMMON STOCK 458140100 4,577 85,910 SH   SOLE 7,000 85,635 0 275
INTEL CORP COMMON STOCK 458140100 311 5,841 SH   OTR 7,000 3,991 1,850 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 732 5,268 SH   SOLE 7,000 5,268 0 0
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 450 3,241 SH   OTR 7,000 3,041 200 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 326 4,179 SH   SOLE 7,000 4,179 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 64 825 SH   OTR 7,000 825 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,911 23,890 SH   SOLE 7,000 23,590 0 300
JP MORGAN CHASE & CO COMMON STOCK 46625H100 893 5,455 SH   OTR 7,000 4,365 1,090 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 305 2,300 SH   SOLE 7,000 2,300 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 122 920 SH   OTR 7,000 100 820 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,448 21,348 SH   SOLE 7,000 21,348 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 840 5,204 SH   OTR 7,000 2,704 2,500 0
ELI LILLY & CO COMMON STOCK 532457108 323 1,400 SH   SOLE 7,000 1,400 0 0
ELI LILLY & CO COMMON STOCK 532457108 267 1,156 SH   OTR 7,000 456 700 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 182 527 SH   SOLE 7,000 527 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 184 533 SH   OTR 7,000 533 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,251 6,165 SH   SOLE 7,000 6,165 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 107 528 SH   OTR 7,000 528 0 0
MASCO CORP COMMON STOCK 574599106 456 8,200 SH   SOLE 7,000 8,200 0 0
MASCO CORP COMMON STOCK 574599106 144 2,600 SH   OTR 7,000 0 2,600 0
MCDONALDS CORP COMMON STOCK 580135101 1,676 6,950 SH   SOLE 7,000 6,950 0 0
MCDONALDS CORP COMMON STOCK 580135101 198 822 SH   OTR 7,000 622 200 0
MERCK & CO INC COMMON STOCK 58933Y105 559 7,447 SH   SOLE 7,000 7,447 0 0
MERCK & CO INC COMMON STOCK 58933Y105 333 4,438 SH   OTR 7,000 1,959 2,479 0
MICROSOFT CORP COMMON STOCK 594918104 3,372 11,962 SH   SOLE 7,000 11,962 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,162 4,121 SH   OTR 7,000 4,121 0 0
NIKE INC COMMON STOCK 654106103 2,278 15,684 SH   SOLE 7,000 15,684 0 0
NIKE INC COMMON STOCK 654106103 218 1,500 SH   OTR 7,000 1,500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 227 950 SH   SOLE 7,000 950 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 276 1,153 SH   OTR 7,000 1,153 0 0
ORACLE CORP COMMON STOCK 68389X105 1,012 11,611 SH   SOLE 7,000 11,611 0 0
ORACLE CORP COMMON STOCK 68389X105 270 3,102 SH   OTR 7,000 2,202 900 0
PEPSICO INC COMMON STOCK 713448108 2,003 13,320 SH   SOLE 7,000 13,320 0 0
PEPSICO INC COMMON STOCK 713448108 630 4,189 SH   OTR 7,000 3,189 1,000 0
PFIZER INC COMMON STOCK 717081103 1,538 35,751 SH   SOLE 7,000 35,751 0 0
PFIZER INC COMMON STOCK 717081103 250 5,816 SH   OTR 7,000 5,816 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 256 2,700 SH   SOLE 7,000 2,700 0 0
PHILIP MORRIS INTERNATIONAL INC COMMON STOCK 718172109 239 2,519 SH   OTR 7,000 2,519 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,463 17,617 SH   SOLE 7,000 17,617 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 391 2,795 SH   OTR 7,000 2,795 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 1,310 15,242 SH   SOLE 7,000 15,242 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 104 1,205 SH   OTR 7,000 1,205 0 0
SOUTHERN CO COMMON STOCK 842587107 1,416 22,846 SH   SOLE 7,000 22,846 0 0
SOUTHERN CO COMMON STOCK 842587107 313 5,049 SH   OTR 7,000 3,549 1,500 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 286 1,632 SH   OTR 7,000 1,632 0 0
STATE STREET CORP COMMON STOCK 857477103 519 6,125 SH   SOLE 7,000 6,125 0 0
STATE STREET CORP COMMON STOCK 857477103 59 700 SH   OTR 7,000 300 400 0
TARGET CORP COMMON STOCK 87612E106 1,544 6,750 SH   SOLE 7,000 6,750 0 0
TARGET CORP COMMON STOCK 87612E106 314 1,373 SH   OTR 7,000 973 400 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,715 8,925 SH   SOLE 7,000 8,925 0 0
3M CO COMMON STOCK 88579Y101 814 4,639 SH   SOLE 7,000 4,639 0 0
3M CO COMMON STOCK 88579Y101 132 750 SH   OTR 7,000 750 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 3,594 112,404 SH   SOLE 7,000 112,404 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 44 1,366 SH   OTR 7,000 1,366 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 642 3,525 SH   SOLE 7,000 3,525 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 137 750 SH   OTR 7,000 350 400 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 425 8,500 SH   SOLE 7,000 8,500 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 81 1,625 SH   OTR 7,000 1,625 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 158 935 SH   SOLE 7,000 935 0 0
VANGUARD SMALL CAP VALUE ETF MUTUAL FUND/STO 922908611 70 413 SH   OTR 7,000 413 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 840 15,544 SH   SOLE 7,000 15,444 0 100
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 284 5,266 SH   OTR 7,000 3,866 1,400 0
VIACOMCBS INC COMMON STOCK 92556H206 2,001 50,649 SH   SOLE 7,000 50,649 0 0
WALMART INC COMMON STOCK 931142103 1,044 7,490 SH   SOLE 7,000 7,490 0 0
WALMART INC COMMON STOCK 931142103 178 1,275 SH   OTR 7,000 475 800 0
YUM! BRANDS INC COMMON STOCK 988498101 0 8 SH   SOLE 7,000 8 0 0
YUM! BRANDS INC COMMON STOCK 988498101 265 2,166 SH   OTR 7,000 2,166 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 385 5,649 SH   SOLE 7,000 5,649 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN STOCK G51502105 69 1,009 SH   OTR 7,000 1,009 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 1,207 9,627 SH   SOLE 7,000 9,627 0 0
MEDTRONIC PLC FOREIGN STOCK G5960L103 286 2,282 SH   OTR 7,000 1,082 1,200 0