-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, TIFWz2voP2pvzcKofOb7aaAvFrPQBZ1D1bZdOL3BfDa7jqMsF+7j47TpK1+ZZSQ5 EMYyxrKSaVkLfAe/w00KtA== 0001054257-09-000001.txt : 20090127 0001054257-09-000001.hdr.sgml : 20090127 20090127151106 ACCESSION NUMBER: 0001054257-09-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20081231 FILED AS OF DATE: 20090127 DATE AS OF CHANGE: 20090127 EFFECTIVENESS DATE: 20090127 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ADIRONDACK TRUST CO CENTRAL INDEX KEY: 0001054257 IRS NUMBER: 140458765 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-11929 FILM NUMBER: 09547988 BUSINESS ADDRESS: STREET 1: 473 BROADWAY CITY: SARATOGA SPRINGS STATE: NY ZIP: 12866 BUSINESS PHONE: 5185845844 MAIL ADDRESS: STREET 1: 473 BROADWAY CITY: SARATOGA SPRINGS STATE: NY ZIP: 12866 13F-HR 1 atcfour.txt 13F DATA TABLE Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ---------------------- ---------------- --------- -------- -------- --- ---- DAIMLER AG D1668R123 10 249 SH DEFINED 0 249 0 ACCENTURE LTD CLASS A G1150G111 165 5025 SH SOLE 4925 0 100 WEATHERFORD INTERNATIONAL LT G95089101 229 21149 SH SOLE 20494 0 655 VOCALTEC COMMUNICATIONS LTD M97601112 0 10 SH DEFINED 10 0 0 STEINER LEISURE LTD. P8744Y102 2 75 SH SOLE 75 0 0 ABB LTD 000375204 3 200 SH SOLE 200 0 0 AFLAC INC. 001055102 90 1965 SH SOLE 1965 0 0 AFLAC INC. 001055102 23 500 SH DEFINED 0 500 0 AT&T INC. 00206R102 811 28440 SH SOLE 28345 0 95 AT&T INC. 00206R102 255 8932 SH DEFINED 2060 4493 2379 ABBOTT LABS 002824100 337 6316 SH SOLE 6316 0 0 ABBOTT LABS 002824100 124 2325 SH DEFINED 750 1575 0 ADOBE SYSTEMS INC 00724F101 345 16200 SH SOLE 15880 0 320 AETNA INC COM 00817Y108 102 3595 SH SOLE 3505 0 90 ALCOA INC 013817101 46 4115 SH SOLE 4115 0 0 ALCOA INC 013817101 8 700 SH DEFINED 0 700 0 ALCATEL - LUCENT 013904305 2 780 SH SOLE 780 0 0 ALLEGHENY TECHNOLOGIES, INC 01741R102 1 20 SH SOLE 20 0 0 ALLIANT TECHSYSTEMS INC. 018804104 375 4375 SH SOLE 4375 0 0 ALLSTATE CORP 020002101 45 1385 SH SOLE 1385 0 0 ALLSTATE CORP 020002101 87 2668 SH DEFINED 0 0 2668 ALTRIA GROUP, INC. 02209S103 21 1384 SH SOLE 1384 0 0 AMAZON. COM, INC 023135106 10 200 SH SOLE 200 0 0 AMBAC FINANCIAL GROUP INC 023139108 3 2000 SH SOLE 2000 0 0 AMEREN CORP 023608102 8 240 SH SOLE 240 0 0 AMERICAN EXPRESS 025816109 217 11732 SH SOLE 11695 0 37 AMERICAN EXPRESS 025816109 36 1950 SH DEFINED 1235 715 0 AMERIPRISE FINANCIAL INC. 03076C106 11 487 SH SOLE 487 0 0 AMGEN INCORPORATED 031162100 131 2265 SH SOLE 2265 0 0 AMGEN INCORPORATED 031162100 64 1100 SH DEFINED 300 800 0 ANADARKO PETROLEUM CORP 032511107 151 3930 SH SOLE 3715 0 215 APPLE INC 037833100 273 3195 SH SOLE 3085 0 110 APPLE INC 037833100 26 300 SH DEFINED 300 0 0 APPLIED MATL INC 038222105 41 4069 SH SOLE 4069 0 0 APPLIED MATL INC 038222105 3 300 SH DEFINED 0 300 0 ARROW FINANCIAL CORPORATION 042744102 101 4009 SH SOLE 4009 0 0 ATHENAHEALTH INC. 04685W103 19 500 SH SOLE 500 0 0 AUTODESK INC. 052769106 1 70 SH SOLE 70 0 0 AUTOMATIC DATA PROCESSING INC 053015103 160 4064 SH SOLE 3809 0 255 AUTOMATIC DATA PROCESSING INC 053015103 97 2460 SH DEFINED 1460 1000 0 AVON PRODUCTS INC 054303102 20 822 SH SOLE 822 0 0 BJ'S WHOLESALE CLUB INC 05548J106 3 100 SH SOLE 100 0 0 BP P.L.C. 055622104 753 16118 SH SOLE 16118 0 0 BP P.L.C. 055622104 67 1425 SH DEFINED 605 820 0 BP PRUDHOE BAY ROYALTY TRUST 055630107 7 100 SH SOLE 100 0 0 BAKER HUGHES INC 057224107 20 631 SH SOLE 631 0 0 BAKER HUGHES INC 057224107 10 300 SH DEFINED 300 0 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ----------------------------------------------------------------------------- BANK OF AMERICA CORP 060505104 497 35318 SH SOLE 34308 0 1010 BANK OF AMERICA CORP 060505104 74 5230 SH DEFINED 1865 3365 0 BANK OF NEW YORK MELLON CORP 064058100 123 4334 SH SOLE 4334 0 0 BANK OF NEW YORK MELLON CORP 064058100 23 801 SH DEFINED 801 0 0 BARRICK GOLD CORP 067901108 121 3300 SH SOLE 3300 0 0 BAXTER INTERNATIONAL INC. 071813109 11 200 SH SOLE 200 0 0 BAXTER INTERNATIONAL INC. 071813109 48 900 SH DEFINED 900 0 0 BECTON DICKINSON & CO 075887109 516 7540 SH SOLE 7385 0 155 BECTON DICKINSON & CO 075887109 70 1030 SH DEFINED 530 500 0 BED BATH & BEYOND 075896100 1 55 SH SOLE 55 0 0 BEST BUY 086516101 3 90 SH SOLE 90 0 0 BOEING 097023105 61 1435 SH SOLE 1435 0 0 BOEING 097023105 41 950 SH DEFINED 450 500 0 BOULDER TOT RET FD 101541100 2 200 SH SOLE 200 0 0 BRISTOL MYERS SQUIBB CO 110122108 17 740 SH SOLE 740 0 0 BROADRIDGE FINANCIAL 11133T103 1 112 SH SOLE 112 0 0 BROADRIDGE FINANCIAL 11133T103 3 250 SH DEFINED 0 250 0 CB RICHARD ELLIS GROUP INC 12497T101 1 150 SH SOLE 150 0 0 CH ENERGY GROUP, INC 12541M102 64 1237 SH SOLE 1237 0 0 CVS/CAREMARK CORP 126650100 62 2170 SH SOLE 2170 0 0 CARNIVAL CORP 143658300 19 800 SH DEFINED 0 800 0 CATERPILLAR INC 149123101 594 13291 SH SOLE 13266 0 25 CATERPILLAR INC 149123101 58 1290 SH DEFINED 600 690 0 CEDAR FAIR LTD PARTNERSHIP 150185106 8 600 SH DEFINED 0 600 0 CELGENE CORP 151020104 6 100 SH SOLE 100 0 0 CENTERPOINT ENERGY, INC 15189T107 11 900 SH SOLE 900 0 0 CHESAPEAKE ENERGY CORP 165167107 202 12530 SH SOLE 12530 0 0 CHESAPEAKE ENERGY CORP 165167107 3 200 SH DEFINED 0 200 0 CHEVRON CORPORATION 166764100 109 1470 SH SOLE 1470 0 0 CHEVRON CORPORATION 166764100 71 960 SH DEFINED 575 385 0 CISCO SYSTEMS INC. 17275R102 804 49329 SH SOLE 48449 0 880 CISCO SYSTEMS INC. 17275R102 119 7310 SH DEFINED 2585 4725 0 CITADEL BROADCASTING COMPANY 17285T106 0 194 SH DEFINED 0 194 0 CITIGROUP INC 172967101 75 11214 SH SOLE 10628 0 58 CITIGROUP INC 172967101 17 2597 SH DEFINED 1431 1166 0 CLOROX COMPANY 189054109 6 100 SH SOLE 100 0 0 CLOROX COMPANY 189054109 11 200 SH DEFINED 0 200 0 COCA COLA CO 191216100 724 15992 SH SOLE 15992 0 0 COCA COLA CO 191216100 123 2715 SH DEFINED 990 1725 0 COLGATE PALMOLIVE 194162103 1272 18555 SH SOLE 18250 0 305 COLGATE PALMOLIVE 194162103 86 1250 SH DEFINED 1250 0 0 COMCAST CORP NEW CL A 20030N101 5 322 SH SOLE 322 0 0 CONOCOPHILLIPS 20825C104 738 14241 SH SOLE 13961 0 280 CONOCOPHILLIPS 20825C104 49 940 SH DEFINED 940 0 0 CONSOLIDATED EDISON INC 209115104 4 112 SH SOLE 112 0 0 CONSTELLATION ENERGY GROUP 210371100 14 575 SH DEFINED 275 300 0 CORNING INC 219350105 216 22650 SH SOLE 22135 0 515 CORNING INC 219350105 5 500 SH DEFINED 500 0 0 COSTCO WHSL CORP NEW 22160K105 11 205 SH SOLE 205 0 0 DNP SELECT INCOME FUND INC 23325P104 31 5000 SH SOLE 5000 0 0 DANAHER CORP 235851102 479 8459 SH SOLE 8112 0 347 DANAHER CORP 235851102 38 670 SH DEFINED 280 390 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- --- DEERE & CO (JOHN DEERE) 244199105 25 650 SH SOLE 650 0 0 DEERE & CO (JOHN DEERE) 244199105 11 300 SH DEFINED 0 300 0 DELL INC 24702R101 1 140 SH SOLE 140 0 0 DELL INC 24702R101 2 200 SH DEFINED 0 200 0 DENTSPLY INTERNATIONAL INC 249030107 63 2215 SH SOLE 2215 0 0 DENTSPLY INTERNATIONAL INC 249030107 11 400 SH DEFINED 0 400 0 DIGITAL RIVER INC 25388B104 2 100 SH SOLE 100 0 0 DISNEY (WALT) COMPANY CO 254687106 634 27939 SH SOLE 27389 0 550 DISNEY (WALT) COMPANY CO 254687106 102 4476 SH DEFINED 1155 3321 0 DISCOVER FINANCIAL SERVICES 254709108 11 1124 SH DEFINED 0 0 1124 DOMINION RESOURCES 25746U109 30 830 SH SOLE 830 0 0 DOMINION RESOURCES 25746U109 23 635 SH DEFINED 635 0 0 DOW CHEMICAL 260543103 7 448 SH SOLE 448 0 0 DOW CHEMICAL 260543103 26 1700 SH DEFINED 0 1700 0 E I DU PONT DE NEMOURS & CO 263534109 117 4624 SH SOLE 4624 0 0 E I DU PONT DE NEMOURS & CO 263534109 32 1260 SH DEFINED 325 935 0 DUKE ENERGY CORPORATION 26441C105 2 100 SH SOLE 100 0 0 DUN & BRADSTREET CORP NEW 26483E100 9 117 SH SOLE 117 0 0 EMC CORP 268648102 209 19920 SH SOLE 19160 0 760 EBAY INC 278642103 38 2740 SH SOLE 2740 0 0 EBAY INC 278642103 3 180 SH DEFINED 180 0 0 ECOLAB INC. 278865100 19 550 SH SOLE 550 0 0 ELAN CORPORATION 284131208 15 2540 SH SOLE 2540 0 0 EMERSON ELECTRIC 291011104 100 2735 SH SOLE 2735 0 0 EMERSON ELECTRIC 291011104 155 4230 SH DEFINED 450 3780 0 ENTERGY CORPORATION 29364G103 794 9554 SH SOLE 9554 0 0 ENTERGY CORPORATION 29364G103 97 1165 SH DEFINED 600 565 0 EQUITY RESIDENTIAL SHARES 29476L107 8 275 SH SOLE 275 0 0 ESPEY MFG. & ELECTRONICS CORP 296650104 57 3049 SH SOLE 3049 0 0 ESPEY MFG. & ELECTRONICS CORP 296650104 7 350 SH DEFINED 350 0 0 EXELON CORP 30161N101 846 15207 SH SOLE 15162 0 45 EXELON CORP 30161N101 117 2100 SH DEFINED 900 1200 0 EXPRESS SCRIPTS INC 302182100 8 140 SH SOLE 140 0 0 EXXON MOBIL CORP 30231G102 3456 43291 SH SOLE 40852 0 2439 EXXON MOBIL CORP 30231G102 583 7300 SH DEFINED 2150 5150 0 FPL GROUP INC 302571104 99 1975 SH SOLE 1975 0 0 FAIRPOINT COMMUNICATIONS INC. 305560104 0 13 SH DEFINED 0 13 0 FEDEX CORPORATION 31428X106 11 175 SH SOLE 175 0 0 FEDEX CORPORATION 31428X106 4 70 SH DEFINED 70 0 0 FORD MOTOR CO DEL 345370860 15 6780 SH SOLE 6780 0 0 FORTUNE BRANDS INC COM 349631101 6 140 SH SOLE 140 0 0 FRANKLIN RESOURCES, INC. 354613101 61 950 SH SOLE 950 0 0 GANNETT CO. INC 364730101 1 100 SH SOLE 100 0 0 GANNETT CO. INC 364730101 2 300 SH DEFINED 0 300 0 GAP INC 364760108 11 840 SH SOLE 840 0 0 GENENTECH, INC 368710406 5 60 SH SOLE 60 0 0 GENERAL DYNAMICS CORPORATION 369550108 374 6490 SH SOLE 6490 0 0 GENERAL DYNAMICS CORPORATION 369550108 32 560 SH DEFINED 400 160 0 GENERAL ELECTRIC CO 369604103 1476 91152 SH SOLE 90502 0 650 GENERAL ELECTRIC CO 369604103 217 13374 SH DEFINED 6140 7234 0 GENERAL MILLS, INC 370334104 51 844 SH SOLE 844 0 0 GENERAL MILLS, INC 370334104 67 1100 SH DEFINED 1100 0 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- GENZYME CORP 372917104 259 3897 SH SOLE 3732 0 165 GLAXO SMITHKLINE PLC SPON ADR 37733W105 15 400 SH DEFINED 400 0 0 GOLDMAN SACHS GROUP INC 38141G104 257 3049 SH SOLE 2914 0 135 GOLDMAN SACHS GROUP INC 38141G104 46 550 SH DEFINED 460 90 0 GOOGLE INC 38259P508 293 951 SH SOLE 923 0 28 GOOGLE INC 38259P508 10 31 SH DEFINED 15 16 0 JOHN HANCOCK INCOME SEC TR 410123103 2 250 SH SOLE 250 0 0 HANESBRANDS INC 410345102 3 237 SH SOLE 237 0 0 HARLEY DAVIDSON 412822108 61 3575 SH SOLE 3550 0 25 HARLEY DAVIDSON 412822108 9 555 SH DEFINED 110 445 0 HARSCO CORP 415864107 12 450 SH SOLE 450 0 0 HARTFORD FINANCIAL GROUP 416515104 6 395 SH SOLE 395 0 0 HARTFORD FINANCIAL GROUP 416515104 11 700 SH DEFINED 300 400 0 HEINZ, H J CO 423074103 9 250 SH DEFINED 0 250 0 HELMERICH & PAYNE, INC. 423452101 54 2380 SH SOLE 2380 0 0 HESS CORP 42809H107 42 780 SH DEFINED 0 780 0 HEWLETT PACKARD CO 428236103 64 1775 SH SOLE 1775 0 0 HEWLETT PACKARD CO 428236103 62 1716 SH DEFINED 1000 716 0 HOME DEPOT INC 437076102 213 9270 SH SOLE 9270 0 0 HOME DEPOT INC 437076102 65 2830 SH DEFINED 600 2230 0 HOSPIRA INC. 441060100 1 20 SH SOLE 20 0 0 IMS HEALTH INC 449934108 8 537 SH SOLE 537 0 0 ITT INDUSTRIES INC 450911102 28 600 SH DEFINED 600 0 0 IDEARC INC 451663108 0 36 SH DEFINED 0 36 0 INTEL CORP 458140100 877 59840 SH SOLE 58975 0 865 INTEL CORP 458140100 105 7145 SH DEFINED 2060 5085 0 INTERMEC INC 458786100 2 174 SH SOLE 174 0 0 INTL BUSINESS MACHINES 459200101 429 5103 SH SOLE 5103 0 0 INTL BUSINESS MACHINES 459200101 178 2114 SH DEFINED 700 1414 0 INTERNATIONAL GAME TECHNOLOGY 459902102 2 200 SH SOLE 200 0 0 ETF ISHARES SILVER TR 46428Q109 11 1000 SH SOLE 1000 0 0 ISHARES S & P 100 INDEX FUND 464287101 115 2665 SH SOLE 2665 0 0 ISHARES DOW JONES SELECT 464287168 12 288 SH SOLE 288 0 0 I-SHARES FTSE/XINHUA INDEX FUND 464287184 63 2175 SH SOLE 2175 0 0 ISHARES BARCLAYS BOND FUND 464287226 980 9404 SH SOLE 9404 0 0 I-SHARES BARCLAYS 7-10 YR BOND 464287440 20 200 SH SOLE 200 0 0 I-SHARES BARCLAYS 1-3 YR BOND 464287457 8 90 SH SOLE 90 0 0 I-SHARES MSCI EAFE INDEX FUND 464287465 3821 85188 SH SOLE 84091 0 1097 I-SHARES MSCI EAFE INDEX FUND 464287465 190 4245 SH DEFINED 3615 630 0 ISHARES TR RUSSELL 1000 GROWTH 464287614 48 1295 SH SOLE 1295 0 0 ISHARES TR RUSSELL 2000 VALUE 464287630 14 285 SH SOLE 285 0 0 ISHARES RUSSELL 2000 GROWTH 464287648 13 259 SH SOLE 259 0 0 ISHARES S&P SMALLCAP 600 464287804 1406 31973 SH SOLE 31638 0 335 ISHARES S&P SMALLCAP 600 464287804 91 2075 SH DEFINED 1770 305 0 JPMORGAN CHASE & CO COM 46625H100 318 10102 SH SOLE 9832 0 270 JPMORGAN CHASE & CO COM 46625H100 33 1060 SH DEFINED 660 400 0 JABIL CIRCUIT INC. 466313103 1 100 SH SOLE 100 0 0 JABIL CIRCUIT INC. 466313103 0 50 SH DEFINED 50 0 0 JACOBS ENGINERRING GROUP 469814107 14 300 SH SOLE 300 0 0 JOHNSON & JOHNSON 478160104 2082 34794 SH SOLE 34379 0 415 JOHNSON & JOHNSON 478160104 460 7695 SH DEFINED 1785 5910 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- JONES SODA COMPANY 48023P106 0 285 SH SOLE 285 0 0 KELLOGG COMPANY 487836108 9 200 SH DEFINED 200 0 0 KEYCORP NEW COM 493267108 504 59123 SH DEFINED 0 0 59123 KIMBERLY CLARK 494368103 5 100 SH SOLE 100 0 0 KIMBERLY CLARK 494368103 21 400 SH DEFINED 200 200 0 KRAFT FOODS INC. 50075N104 34 1281 SH SOLE 1281 0 0 L-3 COMMUNICATIONS HOLDINGS. 502424104 886 12011 SH SOLE 11766 0 245 L-3 COMMUNICATIONS HOLDINGS 502424104 51 690 SH DEFINED 65 625 0 ELI LILLY & CO 532457108 30 752 SH SOLE 752 0 0 ELI LILLY & CO 532457108 34 840 SH DEFINED 840 0 0 LOCKHEED MARTIN CORP 539830109 854 10160 SH SOLE 10120 0 40 LOCKHEED MARTIN CORP 539830109 71 840 SH DEFINED 840 0 0 LOWES COMPANIES INC 548661107 485 22543 SH SOLE 21833 0 710 LOWES COMPANIES INC 548661107 92 4290 SH DEFINED 1500 2790 0 MBIA INC 55262C100 8 2000 SH SOLE 2000 0 0 MANULIFE FINANCIAL 56501R106 10 564 SH SOLE 564 0 0 MARATHON OIL CORPORATION 565849106 3 100 SH SOLE 100 0 0 MCCORMICK & CO. 579780206 12 380 SH SOLE 380 0 0 MCDONALDS CORP 580135101 237 3810 SH SOLE 3810 0 0 MCDONALDS CORP 580135101 192 3082 SH DEFINED 1350 1732 0 MC GRAW-HILL COMPANIES INC 580645109 257 11097 SH SOLE 10997 0 100 MC GRAW-HILL COMPANIES INC 580645109 3 130 SH DEFINED 130 0 0 MCKESSON CORPORATION 58155Q103 113 2920 SH SOLE 2920 0 0 MEDCO HEALTH SOLUTIONS, INC. 58405U102 214 5115 SH SOLE 5025 0 90 MEDCO HEALTH SOLUTIONS, INC. 58405U102 78 1856 SH DEFINED 0 120 1736 MEDTRONIC INC 585055106 520 16564 SH SOLE 16197 0 367 MEDTRONIC INC 585055106 92 2935 SH DEFINED 1190 1745 0 MERCK AND COMPANY, INC. 589331107 25 815 SH SOLE 815 0 0 MERCK AND COMPANY, INC. 589331107 15 500 SH DEFINED 0 500 0 MERRILL LYNCH & CO INC 590188108 0 34 SH SOLE 17 0 17 MERRILL LYNCH & CO INC 590188108 5 425 SH DEFINED 425 0 0 METLIFE INC 59156R108 16 465 SH SOLE 465 0 0 MICROSOFT CORP 594918104 982 50525 SH SOLE 49750 0 775 MICROSOFT CORP 594918104 127 6545 SH DEFINED 3180 3365 0 MIDCAP SPDR TRUST SERIES 1 595635103 2589 26645 SH SOLE 26258 0 387 MIDCAP SPDR TRUST SERIES 1 595635103 177 1820 SH DEFINED 1350 470 0 MONSANTO COMPANY 61166W101 172 2445 SH SOLE 2415 0 30 MOODYS CORP 615369105 8 400 SH SOLE 400 0 0 MOODYS CORP 615369105 20 1000 SH DEFINED 0 1000 0 MORGAN STANLEY 617446448 36 2248 SH DEFINED 0 0 2248 NBT BANCORP INC. 628778102 760 27186 SH SOLE 0 0 2718 NEW YORK COMMUNITY BANCORP INC 649445103 2 200 SH SOLE 200 0 0 NEWELL RUBBERMAID INC 651229106 11 1110 SH SOLE 1110 0 0 NEWS CORPORATION 65248E203 24 2555 SH SOLE 2555 0 0 NEWS CORPORATION 65248E203 10 1000 SH DEFINED 1000 0 0 NICOR INC 654086107 3 100 SH SOLE 100 0 0 NIKE, INC 654106103 5 100 SH SOLE 100 0 0 NIKE, INC 654106103 23 450 SH DEFINED 450 0 0 NOKIA CORPORATION 654902204 13 810 SH SOLE 810 0 0 NOBLE ENERGY INC. 655044105 10 200 SH DEFINED 0 200 0 NOVARTIS AG - ADR 66987V109 10 200 SH SOLE 200 0 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- -------- NUVEEN NY FUND INC 67062X101 34 3338 SOLE 3338 0 0 NUVELO INC. NEW 67072M301 0 86 SH SOLE 86 0 0 ORACLE CORPORATION 68389X105 249 14080 SH SOLE 13955 0 125 PPG INDUSTRIES 693506107 14 340 SH SOLE 340 0 0 PAIN THERAPEUTICS, INC. 69562K100 1 200 SH SOLE 200 0 0 PANERA BREAD COMPANY CLASS A 69840W108 3 50 SH SOLE 50 0 0 PEPSI BOTTLING GROUP, INC. 713409100 8 350 SH SOLE 350 0 0 PEPSICO INC 713448108 1998 36477 SH SOLE 36052 0 425 PEPSICO INC 713448108 224 4090 SH DEFINED 1560 2530 0 PETMED EXPRESS INC. 716382106 2 100 SH SOLE 100 0 0 PFIZER INC 717081103 150 8489 SH SOLE 8489 0 0 PFIZER INC 717081103 27 1550 SH DEFINED 600 950 0 PHILIP MORRIS INTERNATIONAL 718172109 33 755 SH SOLE 755 0 0 PIEDMONT NATURAL GAS COMPANY 720186105 32 1000 SH SOLE 1000 0 0 PLUG POWER INC 72919P103 0 200 SH SOLE 200 0 0 PLUM CREEK TIMBER CO INC 729251108 5 140 SH SOLE 140 0 0 POWERSHARES WILDERHILL 73935X500 8 895 SH SOLE 895 0 0 PRAXAIR 74005P104 157 2650 SH SOLE 2650 0 0 PRAXAIR 74005P104 102 1725 SH DEFINED 825 900 0 T ROWE PRICE GROUP INC 74144T108 32 900 SH DEFINED 900 0 0 PROCTER & GAMBLE CO 742718109 2645 42798 SH SOLE 42373 0 425 PROCTER & GAMBLE CO 742718109 528 8544 SH DEFINED 2685 5859 0 PROGRESS ENERGY INC 743263105 12 299 SH SOLE 299 0 0 QUALCOMM INC 747525103 622 17357 SH SOLE 17292 0 65 QUALCOMM INC 747525103 34 950 SH DEFINED 665 285 0 RAYTHEON CO COM NEW 755111507 5 100 SH SOLE 100 0 0 RESEARCH IN MOTION LIMITED 760975102 2 50 SH SOLE 50 0 0 ROYAL DUTCH SHELL PLC ADR 780259206 8 154 SH SOLE 154 0 0 STANDARD & POORS 78462F103 6656 73763 SH SOLE 72331 0 1432 STANDARD & POORS 78462F103 328 3635 SH DEFINED 2830 805 0 SPDR GOLD TRUST 78463V107 30 350 SH SOLE 350 0 0 SABINE ROYALTY TRUST 785688102 9 227 SH SOLE 227 0 0 ST. JUDE MEDICAL, INC 790849103 63 1900 SH SOLE 1900 0 0 SARA LEE CORP 803111103 7 733 SH SOLE 733 0 0 SCHLUMBERGER LTD 806857108 482 11389 SH SOLE 11149 0 240 SCHLUMBERGER LTD 806857108 36 855 SH DEFINED 500 355 0 SEARS ROEBUCK HOLDINGS CORP 812350106 4 100 SH SOLE 100 0 0 SEARS ROEBUCK HOLDINGS CORP 812350106 18 453 SH DEFINED 0 0 453 ENERGY SELECT SECTOR SPDRFUND 81369Y506 5 100 SH SOLE 100 0 0 FINANCIAL SELECT SECTOR FUND 81369Y605 44 3530 SH SOLE 3530 0 0 SIMON PROPERTY GROUP 828806109 10 180 SH SOLE 180 0 0 SIRIUS XM RADIO INC 82967N108 0 759 SH SOLE 759 0 0 SOUTHERN CO 842587107 379 10238 SH SOLE 10206 0 32 SOUTHERN CO 842587107 124 3340 SH DEFINED 1210 2130 0 THE STANLEY WORKS 854616109 7 220 SH SOLE 220 0 0 STAPLES INCORPORATED 855030102 36 2019 SH SOLE 2019 0 0 STAPLES INCORPORATED 855030102 42 2343 SH DEFINED 825 1518 0 STARBUCKS CORPORATION 855244109 27 2890 SH SOLE 2890 0 0 STMICROELECTRONICS NV 861012102 8 1200 SH DEFINED 0 1200 0 STONE ENERGY 861642106 2 200 SH SOLE 200 0 0 STRYKER CORP 863667101 784 19629 SH SOLE 19347 0 282 STRYKER CORP 863667101 62 1560 SH DEFINED 500 1060 0 Fourth Quarter 2008 FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT NAME OF ISSUER CUSIP (X$1000) PRN AMT PRN CALL DSCRETN VOTING AUTHORITY SOLE SHARED NONE - ------------------------------ ---------------- --------- -------- ----- SUBURBAN PROPANE PARTNERS LP 864482104 14 383 SH SOLE 383 0 0 SUN MICROSYSTEMS INC. 866810203 0 100 SH SOLE 100 0 0 SUN MICROSYSTEMS INC. 866810203 0 5 SH DEFINED 0 5 0 SYMANTEC CORPORATION 871503108 1 50 SH SOLE 50 0 0 SYSCO CORPORATION 871829107 5 220 SH SOLE 220 0 0 TARGET CORP 87612E106 402 11649 SH SOLE 11607 0 42 TARGET CORP 87612E106 90 2595 SH DEFINED 995 1600 0 TERRA INDUSTRIES INC. 880915103 17 1000 SH SOLE 1000 0 0 TEVA PHARMACEUTICAL LTD. ADS 881624209 11 268 SH SOLE 268 0 0 TEXAS INSTRUMENTS 882508104 9 590 SH SOLE 590 0 0 3M CO COM 88579Y101 262 4545 SH SOLE 4545 0 0 3M CO COM 88579Y101 111 1935 SH DEFINED 400 1535 0 TIME WARNER INC NEW 887317105 2 200 SH DEFINED 0 200 0 TORONTO-DOMINION BANK NEW 891160509 119 3321 SH SOLE 3321 0 0 TRUSTCO BK CORP N Y COM 898349105 5 500 SH SOLE 500 0 0 TRUSTCO BK CORP N Y COM 898349105 29 3000 SH DEFINED 0 3000 0 US BANCORP DEL COM NEW 902973304 143 5730 SH SOLE 5730 0 0 US BANCORP DEL COM NEW 902973304 21 850 SH DEFINED 850 0 0 UNDER ARMOUR INC 904311107 24 1000 SH SOLE 1000 0 0 UNILEVER PLC 904767704 3 117 SH SOLE 117 0 0 UNITED PARCEL SERVICE 911312106 3 50 SH SOLE 50 0 0 UNITED PARCEL SERVICE 911312106 6 100 SH DEFINED 0 100 0 UNITED TECHNOLOGIES CORP 913017109 1719 32087 SH SOLE 31710 0 377 UNITED TECHNOLOGIES CORP 913017109 208 3880 SH DEFINED 1810 2070 0 UNITED HEALTHCARE GROUP INC 91324P102 10 370 SH SOLE 370 0 0 VALERO ENERGY NEW 91913Y100 9 400 SH DEFINED 400 0 0 VANGUARD EMERGING MARKETS ETF 922042858 432 18334 SH SOLE 18034 0 300 VANGUARD MID-CAP ETF 922908629 26 592 SH SOLE 592 0 0 VANGUARD LARGE-CAP ETF 922908637 211 5170 SH SOLE 5170 0 0 VANGUARD SMALL CAP ETF 922908751 14 334 SH SOLE 334 0 0 VERIZON COMMUNICATIONS INC 92343V104 544 16061 SH SOLE 16061 0 0 VERIZON COMMUNICATIONS INC 92343V104 187 5532 SH DEFINED 2375 2563 594 VODAFONE GROUP PLC 92857W209 7 367 SH DEFINED 0 0 367 WACHOVIA CORP 2ND NEW 929903102 54 9830 SH SOLE 9390 0 440 WACHOVIA CORP 2ND NEW 929903102 10 1880 SH DEFINED 1490 390 0 WAL MART STORES INC 931142103 142 2527 SH SOLE 2527 0 0 WAL MART STORES INC 931142103 22 400 SH DEFINED 0 400 0 WALGREEN CO 931422109 128 5190 SH SOLE 5190 0 0 WALGREEN CO 931422109 73 2956 SH DEFINED 400 2556 0 WASHINGTON MUTUAL INC 939322103 0 1500 SH SOLE 1500 0 0 WASTE MANAGEMENT INC NEW 94106L109 20 590 SH DEFINED 0 590 0 WELLS FARGO & CO NEW 949746101 183 6195 SH SOLE 5875 0 320 WELLS FARGO & CO NEW 949746101 75 2550 SH DEFINED 1000 1550 0 WESTERN ASSET GLOBAL FUND INC 95766G108 37 6075 SH SOLE 6075 0 0 THE WILLIAMS CO. INC. 969457100 9 650 SH SOLE 650 0 0 WYETH COM 983024100 103 2735 SH SOLE 2735 0 0 WYETH COM 983024100 101 2700 SH DEFINED 0 300 2400 XTO ENERGY INC 98385X106 6 180 SH SOLE 180 0 0 YAHOO INC 984332106 3 285 SH SOLE 285 0 0 YUM BRANDS INC. 988498101 19 600 SH DEFINED 0 600 0 GRAND TOTALS 67420 1775952 1535744 118905 121303 -----END PRIVACY-ENHANCED MESSAGE-----