X0202 5 2005-12-30 0 0 0 0000774569 CORTLAND BANCORP INC CLDB 0001205127 TELEGO STEPHEN A SR 194 WEST MAIN ST. CORTLAND OH 44410 0 1 0 0 SVP,Chief of Admin,Dir.of H.R. Cortland Bancorp Common Stock 17.561 D Cortland Bancorp Common Stock 1984 I 401-K/PBA Cortland Bancorp Common Stock 5.472 I son (Robert) Cortland Bancorp Common Stock 5.472 I son (Stephen Jr.) Cortland Bancorp Common Stock 6.1 I Spouse 3% Stock Dividend Purchased through Dividend Reinvestment. In August 2000, the Cortland Bancorp stock held by the Cortland Savings & Banking Company 401(K)Plan was transferred into a Unitized Fund or a Personal Brokerage Account (based upon each participant's election). The shares held in the Unitized Fund and the Personal Brokerage Account are owned indirectly by the participant. This participant elected the Personal Brokerage Account. Stephen A. Telego, Sr. 2006-01-18