INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                            
DAIMLERCHRYSLER AG            ORD ADR             D1668R123        2       41 SH       SOLE                     41      0        0
DAIMLERCHRYSLER AG            ORD ADR             D1668R123        1       21 SH       DEFINED                  21      0        0
ACE LTD                                           G0070K103       32      600 SH       SOLE                    600      0        0
ASPEN INSURANCE HOLDING USD                       G05384105        7      300 SH       SOLE                    300      0        0
BUNGE LTD                                         G16962105       55      950 SH       SOLE                    950      0        0
COOPER INDUSTRIES LTD         CLASS A             G24182100        0        6 SH       DEFINED                   6      0        0
FOSTER WHEELER LTD                                G36535139       48     1256 SH       SOLE                   1256      0        0
GARMIN CORP                                       G37260109       48     1000 SH       DEFINED                1000      0        0
GLOBALSANTAFE CORPORATION                         G3930E101        1       35 SH       DEFINED                  35      0        0
INGERSOLL-RAND CO             COM                 G4776G101      152     4010 SH       SOLE                   4010      0        0
NABORS INDUSTRIES LTD                             G6359F103        0       30 SH       DEFINED                  30      0        0
NOBLE CORP                    COM                 G65422100        0        4 SH       DEFINED                   4      0        0
SEAGATE TECHNOLOGY                                G7945J104       62     2700 SH       DEFINED                   0      0     2700
WEATHERFORD INTL LTD                              G95089101       99     2375 SH       SOLE                   2375      0        0
XL CAP LTD                    CL A                G98255105       30      444 SH       SOLE                    444      0        0
XL CAP LTD                    CL A                G98255105        1       25 SH       DEFINED                  25      0        0
ALCON INC.                                        H01301102        2       20 SH       DEFINED                  20      0        0
UBS AG                        SHS NEW             H89231338        1       26 SH       DEFINED                  26      0        0
FLEXTRONICS INTL LTD          ORD                 Y2573F102        1      125 SH       DEFINED                 125      0        0
ACCO BRANDS CORP                                  00081T108       32     1481 SH       SOLE                   1481      0        0
AFLAC INC                     COM                 001055102      458    10030 SH       SOLE                   7830      0     2200
AES CORP                      COM                 00130H105      218    10700 SH       DEFINED                   0      0    10700
AT&T INC                      COM                 00206R102     6604   202899 SH       SOLE                 188095      0    14804
AT&T INC                      COM                 00206R102      291     8948 SH       DEFINED                8948      0        0
ABBOTT LABS                   COM                 002824100     4133    85122 SH       SOLE                  79287      0     5835
ABBOTT LABS                   COM                 002824100      128     2650 SH       DEFINED                1650      0     1000
ADOBE SYS INC                 COM                 00724F101       86     2300 SH       SOLE                   2300      0        0
ADVANCED MICRO DEVICES INC    COM                 007903107        1       70 SH       DEFINED                  70      0        0
AETNA INC NEW                 COM                 00817Y108      135     3425 SH       DEFINED                   0      0     3425


                                       1




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                             
AGERE SYS INC COM                                 00845V308        1       70 SH       SOLE                     70      0        0
AGILENT TECHNOLOGIES INC      COM                 00846U101      145     4440 SH       SOLE                   4440      0        0
AIR PRODS & CHEMS INC         COM                 009158106      130     1966 SH       SOLE                   1911      0       55
ALBERTO CULVER CO             CL B CONV           013068101       10      200 SH       SOLE                    200      0        0
ALCOA INC                     COM                 013817101     1633    58261 SH       SOLE                  54111      0     4150
ALCOA INC                     COM                 013817101       60     2140 SH       DEFINED                2140      0        0
ALLEGHENY TECHNOLOGIES INC    COM                 01741R102       41      665 SH       SOLE                    665      0        0
ALLIANCE NY MUNI FUND                             018714105        7      500          SOLE                    500      0        0
ALLIANT ENERGY                                    018802108        7      200 SH       SOLE                    200      0        0
ALLIANCE FINL CORP                                019205103     2016    64891 SH       SOLE                  64891      0        0
ALLIANCE FINL CORP                                019205103      124     4000 SH       DEFINED                4000      0        0
ALLSTATE CORP                 COM                 020002101       81     1307 SH       SOLE                   1307      0        0
ALLSTATE CORP                 COM                 020002101       12      200 SH       DEFINED                 200      0        0
ALLTEL CORP                   COM                 020039103      214     3865 SH       SOLE                   3865      0        0
ALLTEL CORP                   COM                 020039103       77     1400 SH       DEFINED                   0      0     1400
ALTRIA GROUP INC              COM                 02209S103      929    12139 SH       SOLE                  11439      0      700
ALTRIA GROUP INC              COM                 02209S103      114     1500 SH       DEFINED                1500      0        0
AMAZON COM INC                COM                 023135106      160     5000 SH       DEFINED                   0      0     5000
AMBAC FINL GROUP INC          COM                 023139108      205     2485 SH       SOLE                   2485      0        0
AMEREN CORP                   COM                 023608102       59     1128 SH       SOLE                   1128      0        0
AMERICA MOVIL S A DE C V      SPON ADR L SHS      02364W105        0       15 SH       DEFINED                  15      0        0
AMERICAN EXPRESS CO           COM                 025816109     2071    36942 SH       SOLE                  34242      0     2700
AMERICAN EXPRESS CO           COM                 025816109       28      500 SH       DEFINED                 500      0        0
AMERICAN INTL GROUP INC       COM                 026874107     4263    64340 SH       SOLE                  60205      0     4135
AMERICAN INTL GROUP INC       COM                 026874107      519     7836 SH       DEFINED                5369      0     2467
AMERISOURCEBERGEN CORP                            03073E105       94     2090 SH       SOLE                   2090      0        0
AMERIPRISE FINL INC COM                           03076C106        1       30 SH       DEFINED                  30      0        0
AMGEN INC                     COM                 031162100     2120    29642 SH       SOLE                  26762      0     2880
AMGEN INC                     COM                 031162100       18      255 SH       DEFINED                 255      0        0
AMSOUTH BANCORPORATION        COM                 032165102        7      270 SH       SOLE                    270      0        0
AMYLIN PHARMACEUTICALS INC                        032346108       11      250 SH       SOLE                    250      0        0
ANADARKO PETE CORP            COM                 032511107       34      782 SH       SOLE                    782      0        0
ANADARKO PETE CORP            COM                 032511107       70     1600 SH       DEFINED                   0      0     1600


                                       2




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                             
ANALOG DEVICES INC            COM                 032654105        5      203 SH       SOLE                    203      0        0
ANHEUSER BUSCH COS INC        COM                 035229103      305     6430 SH       SOLE                   5830      0      600
ANHEUSER BUSCH COS INC        COM                 035229103       95     2000 SH       DEFINED                2000      0        0
AON CORP                      COM                 037389103      160     4750 SH       SOLE                   4750      0        0
AON CORP                      COM                 037389103       40     1200 SH       DEFINED                   0      0     1200
APACHE CORP                                       037411105     1810    28643 SH       SOLE                  26563      0     2080
APACHE CORP                                       037411105       27      428 SH       DEFINED                 428      0        0
APPLE COMPUTER INC            COM                 037833100      259     3375 SH       SOLE                   3375      0        0
APPLE COMPUTER INC            COM                 037833100        4       57 SH       DEFINED                  57      0        0
APPLERA CORP                  COM AP BIO GRP      038020103      296     8955 SH       SOLE                   8955      0        0
APPLIED MATLS INC             COM                 038222105       60     3432 SH       SOLE                   3432      0        0
AQUA AMER INC                                     03836W103       10      500 SH       SOLE                    500      0        0
ARBITRON INC                                      03875Q108        1       45 SH       SOLE                     45      0        0
ARCHER DANIELS MIDLAND CO     COM                 039483102      495    13075 SH       SOLE                  13075      0        0
AUTOMATIC DATA PROCESSING                         053015103      340     7184 SH       SOLE                   7184      0        0
AUTOMATIC DATA PROCESSING                         053015103       94     2000 SH       DEFINED                2000      0        0
AVAYA INC                     COM                 053499109        4      371 SH       SOLE                    371      0        0
AVERY DENNISON CORP           COM                 053611109       14      240 SH       SOLE                    240      0        0
AVERY DENNISON CORP           COM                 053611109       18      300 SH       DEFINED                 300      0        0
AXCELIS TECHNOLOGIES INC      COM                 054540109        3      471 SH       SOLE                    471      0        0
BCE INC COM NEW                                   05534B760       27     1033 SH       SOLE                   1033      0        0
BISYS GROUP INC               COM                 055472104       10     1000 SH       SOLE                   1000      0        0
BJ SVCS CO                    COM                 055482103       69     2300 SH       SOLE                   2300      0        0
BP AMOCO P L C                SPONSORED ADR       055622104      511     7807 SH       SOLE                   7807      0        0
BP AMOCO P L C                SPONSORED ADR       055622104      191     2925 SH       DEFINED                1613      0     1312
BAKER HUGHES INC              COM                 057224107       48      705 SH       DEFINED                   5      0      700
BANK OF AMERICA CORPORATION   COM                 060505104     6238   116482 SH       SOLE                 110124      0     6358
BANK OF AMERICA CORPORATION   COM                 060505104      317     5926 SH       DEFINED                3616      0     2310
BANK NEW YORK INC             COM                 064057102      112     3200 SH       SOLE                   2200      0     1000
BANK NEW YORK INC             COM                 064057102        3      100 SH       DEFINED                 100      0        0
BARRICK GOLD CORP             COM ADR             067901108      124     4053 SH       SOLE                   4053      0        0
BARR LABS INC                 COM                 068306109      181     3495 SH       SOLE                   3495      0        0
BAXTER INTL INC               COM                 071813109       32      719 SH       SOLE                    719      0        0


                                       3




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                             
BEAR STEARNS COS INC COM                          073902108       90      645 SH       SOLE                    645      0        0
BEAZER HOMES USA INC          COM                 07556Q105       17      450 SH       DEFINED                   0      0      450
BECTON DICKINSON & CO         COM                 075887109       84     1200 SH       SOLE                   1200      0        0
BELLSOUTH CORP                COM                 079860102     2928    68498 SH       SOLE                  60533      0     7965
BELLSOUTH CORP                COM                 079860102      181     4250 SH       DEFINED                2450      0     1800
BERKSHIRE HATHAWAY INC DEL    CL A                084670108       95        1 SH       SOLE                      0      0        1
BERKSHIRE HATHAWAY INC DEL    CL B                084670207       50       16 SH       SOLE                     16      0        0
BERKSHIRE HATHAWAY INC DEL    CL B                084670207        9        3 SH       DEFINED                   3      0        0
BEST BUY INC                  COM                 086516101      117     2193 SH       SOLE                   2193      0        0
BIOMET INC                    COM                 090613100        3      100 SH       SOLE                    100      0        0
BIOGEN IDEC INC                                   09062X103       49     1100 SH       SOLE                    500      0      600
BLACK & DECKER CORP           COM                 091797100      102     1290 SH       SOLE                   1290      0        0
BLACK & DECKER CORP           COM                 091797100       55      700 SH       DEFINED                   0      0      700
BLACKROCK INSD MUN 2008 TERM                      09247K109       19     1275          SOLE                   1275      0        0
BLACKROCK MUN TARGET TERM TR INC                  09247M105       41     4144          SOLE                   4144      0        0
BLACKROCK INSD MUN INC TR                         092479104       17     1178 SH       SOLE                   1178      0        0
BLAIR CORP                                        092828102        9      363 SH       SOLE                    363      0        0
BOEING CO                     COM                 097023105     1083    13735 SH       SOLE                  13735      0        0
BOEING CO                     COM                 097023105        4       61 SH       DEFINED                  61      0        0
BORG WARNER INC                                   099724106        1       25 SH       DEFINED                  25      0        0
BOSTON SCIENTIFIC CORP        COM                 101137107       15     1072 SH       SOLE                   1072      0        0
BRANDYWINE RLTY TR            SH BEN INT NEW      105368203       11      350 SH       SOLE                    350      0        0
BRISTOL MYERS SQUIBB CO       COM                 110122108      289    11603 SH       SOLE                  10503      0     1100
BRISTOL MYERS SQUIBB CO       COM                 110122108       89     3600 SH       DEFINED                1600      0     2000
BROADCOM CORP                 CL A                111320107        2       70 SH       DEFINED                  70      0        0
BROWN FORMAN CORP             CL B                115637209      153     2000 SH       DEFINED                   0      0     2000
BURLINGTON NORTHN SANTA FE    CCOM                12189T104      244     3325 SH       SOLE                   3325      0        0
CBS CORP NEW CL B                                 124857202     1997    70941 SH       SOLE                  65919      0     5022
CBS CORP NEW CL B                                 124857202       46     1657 SH       DEFINED                 907      0      750
CH ENERGY GROUP INC                               12541M102       30      600 SH       SOLE                    600      0        0
CIGNA CORP                    COM                 125509109        3       33 SH       SOLE                     33      0        0
CSX CORP                      COM                 126408103       66     2040 SH       SOLE                   2040      0        0
CSX CORP                      COM                 126408103        0       10 SH       DEFINED                  10      0        0


                                       4




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                            
CVS CORP                      COM                 126650100      509    15875 SH       SOLE                  15875      0        0
CA INC COM                                        12673P105       42     1800 SH       DEFINED                   0      0     1800
CABLEVISION NY GROUP CL A                         12686C109        2      130 SH       SOLE                    130      0        0
CAMPBELL SOUP CO              COM                 134429109       42     1156 SH       SOLE                   1156      0        0
CAMPBELL SOUP CO              COM                 134429109       47     1300 SH       DEFINED                   0      0     1300
CAPITAL ONE FINANCIAL CORP                        14040H105      330     4200 SH       SOLE                   4200      0        0
CAPITAL ONE FINANCIAL CORP                        14040H105       74      950 SH       DEFINED                   0      0      950
CAPSTON TURBINE CORP                              14067D102        0      500 SH       SOLE                    500      0        0
CARDINAL HEALTH INC           COM                 14149Y108      154     2356 SH       SOLE                   2356      0        0
CARDINAL HEALTH INC           COM                 14149Y108       95     1450 SH       DEFINED                1450      0        0
CAREMARK RX INC                                   141705103        3       60 SH       SOLE                     60      0        0
CAREMARK RX INC                                   141705103        1       35 SH       DEFINED                  35      0        0
CARNIVAL CORP                                     143658300      185     3940 SH       SOLE                   3940      0        0
CATERPILLAR INC DEL           COM                 149123101      746    11342 SH       SOLE                  11232      0      110
CATERPILLAR INC DEL           COM                 149123101       32      500 SH       DEFINED                 500      0        0
CENTEX CORP                   COM                 152312104       67     1275 SH       DEFINED                   0      0     1275
CENTRAL SECS CORP             COM                 155123102       20      790 SH       DEFINED                   0      0      790
CHARMING SHOPPES INC                              161133103        4      290 SH       SOLE                    290      0        0
CHEMED CORP INC                                   16359R103        5      170 SH       SOLE                    170      0        0
CHESAPEAKE ENERGY CORP                            165167107       57     1975 SH       SOLE                   1975      0        0
CHEVRON CORPORATION NEW                           166764100     4287    66097 SH       SOLE                  62807      0     3290
CHEVRON CORPORATION NEW                           166764100      228     3516 SH       DEFINED                1250      0     2266
CHICAGO MERCANTILE EXC                            167760107        0        1 SH       DEFINED                   1      0        0
CHOICEPOINT INC               COM                 170388102       34      960 SH       SOLE                    960      0        0
CHUBB CORP                    COM                 171232101      385     7420 SH       SOLE                   7420      0        0
CHUBB CORP                    COM                 171232101       32      635 SH       DEFINED                  35      0      600
CINCINNATI FINL CORP          COM                 172062101       73     1525 SH       SOLE                   1525      0        0
CISCO SYS INC                 COM                 17275R102     4095   178317 SH       SOLE                 166887      0    11430
CISCO SYS INC                 COM                 17275R102      205     8940 SH       DEFINED                5440      0     3500
CITIGROUP INC                                     172967101     6263   126134 SH       SOLE                 120380      0     5754
CITIGROUP INC                                     172967101      254     5129 SH       DEFINED                2879      0     2250
CLOROX CO DEL                 COM                 189054109      304     4838 SH       SOLE                   4738      0      100
CLOROX CO DEL                 COM                 189054109       76     1220 SH       DEFINED                  20      0     1200


                                       5




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
COCA COLA CO                  COM                 191216100     1919    42971 SH       SOLE                  39816       0     3155
COCA COLA CO                  COM                 191216100      122     2740 SH       DEFINED                1240       0     1500
COHEN & STEERS REIT & PFD                         19247X100       14      500 SH       SOLE                    500       0        0
COLGATE PALMOLIVE CO          COM                 194162103      998    16080 SH       SOLE                  16080       0        0
COLGATE PALMOLIVE CO          COM                 194162103      124     2000 SH       DEFINED                   0       0     2000
COLLEGIATE PACIFIC INC        COM NEW             194589206        0       20 SH       SOLE                     20       0        0
COLONIAL PPTYS TR             COM SH BEN INT      195872106        9      191 SH       SOLE                    191       0        0
COMCAST CORP NEW CL A                             20030N101      666    18059 SH       SOLE                  18059       0        0
COMCAST CORP NEW CL A                             20030N101       33      904 SH       DEFINED                   0       0      904
COMCAST CORP NEW                                  20030N200       39     1080 SH       DEFINED                  80       0     1000
COMERICA INC                  COM                 200340107       12      215 SH       SOLE                    215       0        0
COMMERCIAL METALS CO          COM                 201723103       43     2140 SH       SOLE                   2140       0        0
COMPUTER SCIENCES CORP        COM                 205363104       98     2010 SH       SOLE                   2010       0        0
CONAGRA FOODS INC             COM                 205887102      115     4737 SH       SOLE                   4737       0        0
CONAGRA FOODS INC             COM                 205887102       36     1500 SH       DEFINED                   0       0     1500
CONEXANT SYSTEMS INC          COM                 207142100        1      600 SH       SOLE                    600       0        0
CONOCOPHILLIPS                                    20825C104      782    13148 SH       SOLE                  12464       0      684
CONSOLIDATED EDISON INC                           209115104       78     1692 SH       SOLE                   1692       0        0
CONSTELLATION BRANDS INC                          21036P108       11      400 SH       SOLE                    400       0        0
CONSTELLATION ENERGY CORP     COM                 210371100       88     1500 SH       SOLE                   1500       0        0
CONSTELLATION ENERGY CORP     COM                 210371100       69     1175 SH       DEFINED                  25       0     1150
CONVERGYS CORP                COM                 212485106       18      890 SH       SOLE                    890       0        0
CORN PRODS INTL INC           COM                 219023108        4      150 SH       SOLE                    150       0        0
CORNING INC                   COM                 219350105      338    13855 SH       SOLE                  13855       0        0
CORNING INC                   COM                 219350105       11      454 SH       DEFINED                 454       0        0
COSTCO WHSL CORP NEW          COM                 22160K105     1733    34903 SH       SOLE                  32373       0     2530
COSTCO WHSL CORP NEW          COM                 22160K105      139     2800 SH       DEFINED                2800       0        0
COUNTRYWIDE FINANCIAL CORP                        222372104      125     3575 SH       DEFINED                   0       0     3575
CROWN CASTLE INTL CORP        COM                 228227104        0       25 SH       DEFINED                  25       0        0
CUMMINS INC                   COM                 231021106      295     2480 SH       SOLE                   2480       0        0
DNP SELECT INC FD INC COM                         23325P104       24     2300 SH       SOLE                   2300       0        0
DTE ENERGY CO                                     233331107       21      518 SH       SOLE                    518       0        0
DANAHER CORP DEL              COM                 235851102      126     1840 SH       SOLE                   1840       0        0


                                       6




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
DARDEN RESTAURANTS INC        COM                 237194105       48     1135 SH       SOLE                   1135        0        0
DEL MONTE FOODS                                   24522P103        6      580 SH       SOLE                    580        0        0
DELL INC                                          24702R101       22      985 SH       SOLE                    985        0        0
DELL INC                                          24702R101       71     3150 SH       DEFINED                 250        0     2900
DENTSPLY INTL INC NEW         COM                 249030107       36     1220 SH       SOLE                   1220        0        0
DEUTSCHE TELEKOM AG                               251566105       26     1643 SH       SOLE                   1643        0        0
DIAGEO PLC SPN ADR NEW                            25243Q205       58      818 SH       SOLE                    818        0        0
THE DIRECTV GROUP INC.                            25459L106        6      306 SH       SOLE                    306        0        0
THE DIRECTV GROUP INC.                            25459L106      120     6100 SH       DEFINED                   0        0     6100
DISNEY WALT CO                COM DISNEY          254687106       70     2285 SH       SOLE                   2285        0        0
DISNEY WALT CO                COM DISNEY          254687106       61     2000 SH       DEFINED                   0        0     2000
DOMINION RES INC VA NEW       COM                 25746U109      478     6252 SH       SOLE                   6252        0        0
DONEGAL GROUP INC                                 257701201       32     1626 SH       SOLE                   1626        0        0
DOVER CORP                    COM                 260003108      185     3905 SH       SOLE                   3905        0        0
DOW JONES & CO INC            COM                 260561105       43     1300 SH       DEFINED                   0        0     1300
DU PONT E I DE NEMOURS & CO   COM                 263534109      449    10499 SH       SOLE                  10399        0      100
DU PONT E I DE NEMOURS & CO   COM                 263534109       74     1750 SH       DEFINED                 350        0     1400
DUKE ENERGY HOLDING CORP      COM                 26441C105      270     8961 SH       SOLE                   8761        0      200
DUKE ENERGY HOLDING CORP      COM                 26441C105       75     2500 SH       DEFINED                   0        0     2500
DUKE REALTY CORP                                  264411505       19      511 SH       SOLE                    511        0        0
E M C CORP MASS               COM                 268648102       91     7663 SH       SOLE                   7663        0        0
E M C CORP MASS               COM                 268648102        2      200 SH       DEFINED                 200        0        0
EMC INS GROUP INC COM                             268664109       21      750 SH       SOLE                    750        0        0
EOG RES INC                   COM                 26875P101       87     1340 SH       SOLE                   1340        0        0
EASTMAN CHEM CO               COM                 277432100       25      478 SH       SOLE                    478        0        0
EASTMAN KODAK CO              COM                 277461109       48     2174 SH       SOLE                   2174        0        0
EASTMAN KODAK CO              COM                 277461109      136     6100 SH       DEFINED                   0        0     6100
EATON VANCE CORP COM                              278058102       55      800 SH       SOLE                    800        0        0
EATON VANCE CORP COM                              278058102       89     1300 SH       DEFINED                   0        0     1300
EBAY INC                      COM                 278642103      110     3900 SH       DEFINED                   0        0     3900
ECOLAB INC                    COM                 278865100       59     1400 SH       SOLE                   1400        0        0
ECOLAB INC                    COM                 278865100       17      400 SH       DEFINED                 400        0        0
EDWARDS LIFESCIENCES CORP     COM                 28176E108        1       40 SH       SOLE                     40        0        0


                                       7




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
EDWARDS AG INC                COM                 281760108      162     3050 SH       SOLE                   3050        0        0
EL PASO ENERGY CORP DEL       COM                 28336L109        8      644 SH       SOLE                    644        0        0
ELECTRONIC ARTS INC           COM                 285512109       76     1375 SH       DEFINED                   0        0     1375
ELECTRONIC DATA SYS NEW       COM                 285661104       14      596 SH       SOLE                    596        0        0
ELECTRONIC DATA SYS NEW       COM                 285661104        1       50 SH       DEFINED                  50        0        0
EMBARQ CORP SER 1                                 29078E105        4       87 SH       SOLE                     87        0        0
EMBARQ CORP SER 1                                 29078E105        2       60 SH       DEFINED                   0        0       60
EMERSON ELEC CO               COM                 291011104     2159    25752 SH       SOLE                  23872        0     1880
EMERSON ELEC CO               COM                 291011104      130     1553 SH       DEFINED                1553        0        0
EMPIRE DIST ELEC CO           COM                 291641108        2      100 SH       SOLE                      0        0      100
ENBRIDGE ENERGY PART LP       COM                 29250R106        6      150 SH       SOLE                    150        0        0
ADR ENEL SOCIETA AZION                            29265W108       17      389 SH       SOLE                    389        0        0
ENERGY CONVERSION DEV INC                         292659109        3      100 SH       SOLE                    100        0        0
ENERGY EAST CORP              COM                 29266M109      117     4941 SH       SOLE                   4841        0      100
ENERGIZER HLDGS INC           COM                 29266R108       10      140 SH       DEFINED                   0        0      140
EQUIFAX INC                   COM                 294429105       77     2100 SH       SOLE                   2100        0        0
EQUITY FUND                                       294700703       60      600 SH       SOLE                    600        0        0
ERICSSON TELEPHONE CO ADR                         294821608       11      320 SH       DEFINED                 320        0        0
EXELON CORP                   COM                 30161N101     4851    80136 SH       SOLE                  74601        0     5535
EXELON CORP                   COM                 30161N101       81     1350 SH       DEFINED                1350        0        0
EXPEDIA INC DEL                                   30212P105       64     4100 SH       DEFINED                   0        0     4100
EXPEDITORS INTL WASH INC      COM                 302130109       17      400 SH       SOLE                    400        0        0
EXPRESS SCRIPTS INC           COM                 302182100      285     3790 SH       SOLE                   3790        0        0
EXXON MOBIL CORP              COM                 30231G102    12326   183709 SH       SOLE                 170887        0    12822
EXXON MOBIL CORP              COM                 30231G102     1675    24974 SH       DEFINED               21878        0     3096
FPL GROUP INC                 COM                 302571104       18      400 SH       SOLE                      0        0      400
FPL GROUP INC                 COM                 302571104       23      524 SH       DEFINED                 324        0      200
FEDERAL HOME LN MTGE COMPANY                      313400301        3       53 SH       DEFINED                  53        0        0
FEDERAL NATIONAL MTGE ASSOC   COM                 313586109       89     1600 SH       SOLE                   1600        0        0
FEDERAL NATIONAL MTGE ASSOC   COM                 313586109        1       35 SH       DEFINED                  35        0        0
FEDERATED DEPT STORES INC DE  COM                 31410H101       34      808 SH       DEFINED                   0        0      808
FEDEX CORP                                        31428X106      210     1939 SH       SOLE                   1939        0        0
FIDELITY NATL INFORMATION     SVCS INC COM        31620M106       44     1200 SH       SOLE                   1200        0        0


                                       8




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
FIFTH THIRD BANCORP           COM                 316773100      137     3612 SH       SOLE                   3612        0        0
FIRST DATA CORP               COM                 319963104      115     2750 SH       SOLE                   2750        0        0
FIRST HORIZON NATL CORP                           320517105       31      841 SH       SOLE                    841        0        0
FIRST INDUSTRIAL REALTY TRUS  COM                 32054K103       16      376 SH       SOLE                    376        0        0
FIRST NIAGARA FINL INC                            33582V108       14     1011 SH       SOLE                   1011        0        0
FIRST NIAGARA FINL INC                            33582V108        9      655 SH       DEFINED                 655        0        0
FISERV INC                    COM                 337738108        0      200 SH       SOLE                    200        0        0
FIRSTENERGY CORP              COM                 337932107      232     4156 SH       SOLE                   4076        0       80
FLUOR CORP NEW                COM                 343412102       30      395 SH       SOLE                    395        0        0
FORD MOTOR CO                                     345370860        0      100 SH       SOLE                      0        0      100
FOREST LABS INC               COM                 345838106       48      955 SH       SOLE                    955        0        0
FRANKLIN RESOURCES INC.                           354613101      123     1165 SH       SOLE                   1165        0        0
FRANKLIN RESOURCES INC.                           354613101        1       15 SH       DEFINED                  15        0        0
GALLAGHER ARTHUR J & CO       COM                 363576109       21      821 SH       SOLE                    821        0        0
GANNETT INC                   COM                 364730101      218     3843 SH       SOLE                   3843        0        0
GANNETT INC                   COM                 364730101       79     1400 SH       DEFINED                   0        0     1400
GENENTECH INC                 COM NEW             368710406       44      535 SH       SOLE                    535        0        0
GENENTECH INC                 COM NEW             368710406        2       35 SH       DEFINED                  35        0        0
GENERAL DYNAMICS CORP         COM                 369550108       10      150 SH       SOLE                    150        0        0
GENERAL ELECTRIC CO           COM                 369604103    11975   339356 SH       SOLE                 318811        0    20545
GENERAL ELECTRIC CO           COM                 369604103      536    15189 SH       DEFINED               10989        0     4200
GENERAL MLS INC               COM                 370334104       69     1225 SH       SOLE                   1225        0        0
GENERAL MLS INC               COM                 370334104       84     1500 SH       DEFINED                   0        0     1500
GENERAL MTRS CORP             COM                 370442105       99     2980 SH       SOLE                   2880        0      100
GENUINE PARTS CO              COM                 372460105       43     1000 SH       SOLE                   1000        0        0
GENUINE PARTS CO              COM                 372460105       64     1500 SH       DEFINED                   0        0     1500
GENWORTH FINANCIAL INC                            37247D106        1       30 SH       DEFINED                  30        0        0
GENZYME CORP COM                                  372917104       14      215 SH       SOLE                    215        0        0
GILEAD SCIENCES INC           COM                 375558103      244     3555 SH       SOLE                   3555        0        0
GILEAD SCIENCES INC           COM                 375558103        1       28 SH       DEFINED                  28        0        0
GLAXO HOLDINGS PLC SPONSORED  ADR                 37733W105      167     3150 SH       SOLE                   3150        0        0
GOLDEN WEST FINL CORP DEL     COM                 381317106      100     1300 SH       SOLE                   1300        0        0
GOLDMAN SACHS GROUP INC       COM                 38141G104     4028    23813 SH       SOLE                  22708        0     1105
GOLDMAN SACHS GROUP INC       COM                 38141G104       19      113 SH       DEFINED                 113        0        0


                                       9




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
GOODYEAR TIRE & RUBR CO       COM                 382550101        0       60 SH       SOLE                     60        0        0
GOOGLE INC                                        38259P508       16       40 SH       SOLE                     40        0        0
GOOGLE INC                                        38259P508      184      458 SH       DEFINED                   8        0      450
GRAINGER W W INC              COM                 384802104      147     2200 SH       SOLE                   2200        0        0
GREAT PLAINS ENERGY INC       COM                 391164100       71     2300 SH       SOLE                   2100        0      200
HRPT PPTYS TR                 COM SH BEN INT      40426W101       22     1859 SH       SOLE                   1859        0        0
HSBC HLDGS PLC                SPON ADR NEW        404280406       45      500 SH       SOLE                    500        0        0
HALLIBURTON CO                COM                 406216101       25      910 SH       SOLE                    910        0        0
HALLIBURTON CO                COM                 406216101        2       96 SH       DEFINED                  96        0        0
JOHN HANCOCK PFD INC FD II                        41013X106       24     1000 SH       SOLE                      0        0     1000
HANESBRANDS INC                                   410345102        6      298 SH       SOLE                    298        0        0
HARDINGE INC                  COM                 412324303       11      900 SH       SOLE                    900        0        0
HARLEY DAVIDSON INC           COM                 412822108     1952    31120 SH       SOLE                  28630        0     2490
HARLEY DAVIDSON INC           COM                 412822108       94     1500 SH       DEFINED                1500        0        0
HASBRO INC                    COM                 418056107       56     2500 SH       DEFINED                   0        0     2500
HAWAIIAN ELEC INDUSTRIES      COM                 419870100       10      400 SH       SOLE                    400        0        0
HEALTH CARE PPTY INVS                             421915109       35     1134 SH       SOLE                   1134        0        0
HEALTHCARE RLTY TR            COM                 421946104       14      375 SH       SOLE                    375        0        0
HEALTH CARE REIT INC          COM                 42217K106       18      471 SH       SOLE                    471        0        0
HEALTH NET INC                A                   42222G108       89     2050 SH       DEFINED                   0        0     2050
HEINZ H J CO                  COM                 423074103      122     2933 SH       SOLE                   1383        0     1550
HERCULES INC                  COM                 427056106        7      500 SH       DEFINED                   0        0      500
THE HERSHEY CO COM                                427866108      181     3400 SH       SOLE                   3400        0        0
HESS CORP COM                                     42809H107      149     3600 SH       DEFINED                   0        0     3600
HEWLETT PACKARD CO            COM                 428236103     3080    83981 SH       SOLE                  79596        0     4385
HEWLETT PACKARD CO            COM                 428236103      208     5684 SH       DEFINED                1930        0     3754
HILLENBRAND INDS INC                              431573104       56     1000 SH       SOLE                   1000        0        0
HILTON HOTELS CORP            COM                 432848109        0       15 SH       DEFINED                  15        0        0
HOME DEPOT INC                COM                 437076102     4267   117665 SH       SOLE                 111060        0     6605
HOME DEPOT INC                COM                 437076102      370    10225 SH       DEFINED                5675        0     4550
HONEYWELL INTL INC            COM                 438516106      128     3150 SH       SOLE                   3020        0      130
HOSPITALITY PROPERTIES        TRUST               44106M102       35      748 SH       SOLE                    748        0        0
HUMANA INC                    COM                 444859102      195     2955 SH       SOLE                   2955        0        0


                                       10




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
IAC/INTERACTIVE CORP                              44919P300      110     3850 SH       DEFINED                   0        0     3850
ING CLARION GL REAL ESTATE                        44982G104       14      700 SH       SOLE                    700        0        0
ITT INDS INC IND              COM                 450911102       12      239 SH       SOLE                    239        0        0
ILLINOIS TOOL WKS INC         COM                 452308109     1799    40071 SH       SOLE                  37361        0     2710
ILLINOIS TOOL WKS INC         COM                 452308109      107     2400 SH       DEFINED                2400        0        0
INTEL CORP                    COM                 458140100     5109   248504 SH       SOLE                 233229        0    15275
INTEL CORP                    COM                 458140100      222    10840 SH       DEFINED               10240        0      600
INTERNATIONAL BUSINESS MACHS  COM                 459200101     4469    54542 SH       SOLE                  51680        0     2862
INTERNATIONAL BUSINESS MACHS  COM                 459200101      217     2650 SH       DEFINED                2000        0      650
INTERNATIONAL FLAVORS&FRAGRA  COM                 459506101       11      300 SH       SOLE                    300        0        0
INTERNATIONAL FLAVORS&FRAGRA  COM                 459506101       39     1000 SH       DEFINED                   0        0     1000
INTERNATIONAL GAME TECHNOLOG  COM                 459902102      124     2995 SH       SOLE                   2995        0        0
INTL PAPER CO                 COM                 460146103       44     1277 SH       SOLE                   1277        0        0
INTL PAPER CO                 COM                 460146103       73     2110 SH       DEFINED                   0        0     2110
INTERPUBLIC GROUP COS INC     COM                 460690100        0       60 SH       DEFINED                  60        0        0
ISHARES TR MSCI EAFE INDX FD  ADR                 464287465     7851   115885 SH       SOLE                 115735        0      150
ISHS TR S & P MIDCAP 400 IND                      464287507     6663    88326 SH       SOLE                  88026        0      300
ISHS TR S & P MIDCAP 400 IND                      464287507       26      350 SH       DEFINED                 350        0        0
ISHARES NASDAQ BIOTECH                            464287556        7      100 SH       SOLE                    100        0        0
ISHARES RUSSELL 2000          GROWTH INDEX FD     464287648     3534    48839 SH       SOLE                  48639        0      200
ISHARES TR SMALLCAP FD                            464287804       61     1005 SH       SOLE                   1005        0        0
JDS UNIPHASE CORP             COM                 46612J101        0      100 SH       SOLE                    100        0        0
JPMORGAN CHASE & CO           COM                 46625H100     2485    52942 SH       SOLE                  49352        0     3590
JPMORGAN CHASE & CO           COM                 46625H100      376     8015 SH       DEFINED                 820        0     7195
JACUZZI BRANDS INC.                               469865109        6      640 SH       SOLE                    640        0        0
JOHNSON & JOHNSON             COM                 478160104     5710    87938 SH       SOLE                  81518        0     6420
JOHNSON & JOHNSON             COM                 478160104      492     7585 SH       DEFINED                5335        0     2250
JOHNSON CTLS INC              COM                 478366107      145     2025 SH       SOLE                   2025        0        0
JONES APPAREL GROUP INC       COM                 480074103       15      465 SH       SOLE                    465        0        0
JUNIPER NETWORKS INC          COM                 48203R104        0       20 SH       DEFINED                  20        0        0
KELLOGG CO                    COM                 487836108      225     4548 SH       SOLE                   4548        0        0
KEYCORP NEW                   COM                 493267108      148     3980 SH       SOLE                   3980        0        0
KEYSPAN CORP                  COM                 49337W100        4      100 SH       SOLE                    100        0        0


                                       11




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
KIMBERLY CLARK CORP           COM                 494368103       28      439 SH       SOLE                    439        0        0
KIMBERLY CLARK CORP           COM                 494368103       65     1000 SH       DEFINED                   0        0     1000
KINDER MORGAN INC KANS        COM                 49455P101       18      175 SH       SOLE                    175        0        0
KINDER MORGAN ENERGY
   PARTNER LTD                PARTNER             494550106       80     1826 SH       SOLE                   1826        0        0
KING PHARMACEUTICALS INC                          495582108       87     5160 SH       SOLE                   5160        0        0
KOHLS CORP                    COM                 500255104        0        6 SH       DEFINED                   6        0        0
KONINKLIJKE PHILIPS ELECTRS   NV SP ADR           500472303       38     1101 SH       SOLE                   1101        0        0
KROGER CO                     COM                 501044101       49     2150 SH       SOLE                   2150        0        0
KROGER CO                     COM                 501044101        1       50 SH       DEFINED                  50        0        0
LSI LOGIC CORP                                    502161102       59     7240 SH       SOLE                   7240        0        0
L-3 COMMUNICATIONS HLDGS INC  COM                 502424104      423     5403 SH       SOLE                   5403        0        0
LABORATORY CORP AMER HLDGS    COM NEW             50540R409      533     8140 SH       SOLE                   8140        0        0
LANCASTER COLONY CORP         COM                 513847103       46     1050 SH       SOLE                   1050        0        0
LAS VEGAS SANDS CORP          COM                 517834107        0       10 SH       DEFINED                  10        0        0
LEGGETT & PLATT INC           COM                 524660107       40     1600 SH       SOLE                   1600        0        0
LEGG MASON INC                COM                 524901105        7       75 SH       SOLE                     75        0        0
LEGG MASON INC                COM                 524901105        2       20 SH       DEFINED                  20        0        0
LEHMAN BROTHERS HOLDING INC                       524908100      492     6662 SH       SOLE                   6662        0        0
LEXINGTON CORPORATE PROPERTY                      529043101       16      782 SH       SOLE                    782        0        0
LIBERTY PPTY TR               SH BEN INT          531172104       18      378 SH       SOLE                    378        0        0
LILLY ELI & CO                COM                 532457108      210     3696 SH       SOLE                   3696        0        0
LILLY ELI & CO                COM                 532457108        1       25 SH       DEFINED                  25        0        0
LIMITED BRANDS INC            COM                 532716107      135     5125 SH       SOLE                   5125        0        0
LLOYDS TSB GROUP PLC          SPONSORED ADR       539439109       47     1167 SH       SOLE                   1167        0        0
LOCKHEED MARTIN CORP          COM                 539830109      285     3322 SH       SOLE                   3322        0        0
LOEWS CORP                    CAROLNA GP STK      540424207       16      299 SH       SOLE                    299        0        0
LOWES COS INC                 COM                 548661107      173     6175 SH       SOLE                   5975        0      200
LOWES COS INC                 COM                 548661107       11      425 SH       DEFINED                 425        0        0
LUCENT TECHNOLOGIES INC       COM                 549463107       22     9460 SH       SOLE                   9460        0        0
MFS MULTIMARKET INC TR                            552737108        2      500 SH       SOLE                    500        0        0
MGIC INVT CORP WIS            COM                 552848103        2       40 SH       SOLE                     40        0        0
MACK CALI RLTY CORP           COM                 554489104       23      462 SH       SOLE                    462        0        0
MANOR CARE INC                                    564055101      122     2340 SH       SOLE                   2340        0        0


                                       12




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
MANULIFE FINL CORP COM                            56501R106       57     1774 SH       SOLE                   1774        0        0
MANULIFE FINL CORP COM                            56501R106      114     3554 SH       DEFINED                   0        0     3554
MARATHON OIL CORP                                 565849106      130     1700 SH       DEFINED                   0        0     1700
MARSH & MCLENNAN COS INC      COM                 571748102       42     1500 SH       DEFINED                   0        0     1500
MARSHALL & ILSLEY CORP        COM                 571834100      173     3600 SH       SOLE                   3600        0        0
MARRIOTT INTL INC NEW  CLA                        571903202       30      800 SH       SOLE                    800        0        0
MARRIOTT INTL INC NEW  CLA                        571903202       46     1200 SH       DEFINED                   0        0     1200
MASCO CORPORATION                                 574599106       23      850 SH       DEFINED                   0        0      850
MCCORMICK & CO INC            COM NON VTG         579780206        7      200 SH       SOLE                    200        0        0
MCCORMICK & CO INC            COM NON VTG         579780206      113     3000 SH       DEFINED                   0        0     3000
MCDERMOTT INTL INC            COM                 580037109       10      258 SH       SOLE                    258        0        0
MCDONALDS CORP                COM                 580135101     4711   120469 SH       SOLE                 112653        0     7816
MCDONALDS CORP                COM                 580135101      117     3000 SH       DEFINED                1900        0     1100
MCKESSON CORPORATION          COM                 58155Q103       51      975 SH       SOLE                    975        0        0
MEADWESTVACO CORP                                 583334107       29     1109 SH       SOLE                   1109        0        0
MEDCO HEALTH SOLUTIONS        INC                 58405U102       91     1519 SH       SOLE                   1519        0        0
MEDCO HEALTH SOLUTIONS        INC                 58405U102        0        5 SH       DEFINED                   5        0        0
MEDIS TECHNOLOGIES                                58500P107        2      100 SH       SOLE                    100        0        0
MEDTRONIC INC                 COM                 585055106     3212    69192 SH       SOLE                  64727        0     4465
MEDTRONIC INC                 COM                 585055106       83     1800 SH       DEFINED                1800        0        0
MELLON FINL CORP              COM                 58551A108       78     2000 SH       DEFINED                   0        0     2000
MERCK & CO INC                COM                 589331107      385     9195 SH       SOLE                   5495        0     3700
MERCK & CO INC                COM                 589331107       63     1525 SH       DEFINED                  25        0     1500
MERRILL LYNCH & CO INC        COM                 590188108      215     2760 SH       SOLE                   2760        0        0
MERRILL LYNCH & CO INC        COM                 590188108        4       61 SH       DEFINED                  61        0        0
METLIFE INC                   COM                 59156R108     3829    67565 SH       SOLE                  64070        0     3495
METLIFE INC                   COM                 59156R108       37      655 SH       DEFINED                 655        0        0
MICROSOFT CORP                COM                 594918104     5589   204438 SH       SOLE                 193908        0    10530
MICROSOFT CORP                COM                 594918104      263     9625 SH       DEFINED                8425        0     1200
MILLIPORE CORP                                    601073109       12      200 SH       SOLE                    200        0        0
MINDSPEED TECHNOLOGIES INC                        602682106        0      200 SH       SOLE                    200        0        0
MONSANTO CO (NEW)                                 61166W101        2       50 SH       SOLE                     50        0        0
MONSANTO CO (NEW)                                 61166W101        1       31 SH       DEFINED                  31        0        0


                                       13




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
MORGAN STANLEY ASIA PACIFIC
  FUND INC                                        61744U106       84     5000 SH       SOLE                   5000        0        0
MORGAN STANLEY                DISCOVER & CO       617446448     4312    59161 SH       SOLE                  55341        0     3820
MORGAN STANLEY                DISCOVER & CO       617446448      157     2156 SH       DEFINED                 956        0     1200
MOTOROLA INC                  COM                 620076109      224     8995 SH       SOLE                   8995        0        0
MOTOROLA INC                  COM                 620076109       50     2000 SH       DEFINED                   0        0     2000
MUNIHOLDINGS NEW YORK         INSURED FUND INC    625931100       33     2300          SOLE                   2300        0        0
MURPHY OIL CORP               COM                 626717102        1       40 SH       SOLE                     40        0        0
MYLAN LABS INC                COM                 628530107        9      450 SH       SOLE                    450        0        0
NBT BANCORP INC               COM                 628778102      379    16309 SH       SOLE                  16309        0        0
NCR CORP NEW                  COM                 62886E108        9      250 SH       SOLE                    250        0        0
NYSE GROUP INC                COM                 62949W103        0        6 SH       DEFINED                   6        0        0
NASDAQ STOCK MARKET INC       COM                 631103108        0       10 SH       DEFINED                  10        0        0
NATIONAL CITY CORP            COM                 635405103       39     1069 SH       SOLE                   1069        0        0
NATIONAL CITY CORP            COM                 635405103      103     2835 SH       DEFINED                  35        0     2800
NATIONAL OILWELL VARCO INC                        637071101        5      100 SH       SOLE                    100        0        0
NATIONWIDE HEALTH PPTYS INC   COM                 638620104       14      555 SH       SOLE                    555        0        0
NATURAL RESOURCE PARTNERS LP                      63900P103       30      600 SH       SOLE                    600        0        0
NEWORK APPLIANCE INC.                             64120L104        1       30 SH       DEFINED                  30        0        0
NEW YORK TIMES CO             CL A                650111107     1403    61100 SH       SOLE                  61100        0        0
NEW YORK TIMES CO             CL A                650111107       36     1600 SH       DEFINED                   0        0     1600
NEWELL RUBBERMAID INC COM                         651229106       15      550 SH       SOLE                    550        0        0
NEWELL RUBBERMAID INC COM                         651229106      107     3800 SH       DEFINED                   0        0     3800
NEWMONT MIN CO (HOLD CO)      COM                 651639106       85     2008 SH       SOLE                   2008        0        0
NEWS CORP CL A                                    65248E104        1       68 SH       SOLE                     68        0        0
NICOR INC                                         654086107       36      858 SH       SOLE                    858        0        0
NIKE INC                      CL B                654106103       10      123 SH       SOLE                    123        0        0
NIKE INC                      CL B                654106103       37      425 SH       DEFINED                   0        0      425
NISOURCE INC                  COM                 65473P105       59     2742 SH       SOLE                   2742        0        0
NOKIA CORP PFD SPONS ADR                          654902204        6      350 SH       SOLE                    200        0      150
NOKIA CORP PFD SPONS ADR                          654902204       50     2545 SH       DEFINED                  45        0     2500
NORDSTROM INC                 COM                 655664100      184     4360 SH       SOLE                   4360        0        0
NORFOLK SOUTHERN CORP         COM                 655844108      154     3510 SH       SOLE                   3510        0        0
NORTHERN TR CORP              COM                 665859104        0       10 SH       DEFINED                  10        0        0


                                       14




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
NORTHROP GRUMMAN CORP COM                         666807102      130     1912 SH       SOLE                   1912        0        0
NORTHROP GRUMMAN CORP COM                         666807102        1       20 SH       DEFINED                  20        0        0
NOVARTIS AG                                       66987V109       56      970 SH       SOLE                    970        0        0
NUCOR CORP                    COM                 670346105      269     5450 SH       SOLE                   5450        0        0
CEF NUVEEN EQUITY PREM        OPPORTUNITY FUND    6706EM102       13      700 SH       SOLE                    700        0        0
NUVEEN EQUITY PREM ADV FD     COM                 6706ET107       13      700 SH       SOLE                    700        0        0
NVIDIA CORP                                       67066G104      150     5100 SH       SOLE                   5100        0        0
OGE ENERGY CORP               COM                 670837103       36     1000 SH       SOLE                   1000        0        0
OCCIDENTAL PETE CORP DEL      COM                 674599105      191     3980 SH       SOLE                   3980        0        0
OFFICE DEPOT INC              COM                 676220106      169     4280 SH       SOLE                   4280        0        0
OFFICE DEPOT INC              COM                 676220106        1       35 SH       DEFINED                  35        0        0
ORACLE CORP                   COM                 68389X105      225    12692 SH       SOLE                  12692        0        0
ORACLE CORP                   COM                 68389X105       15      900 SH       DEFINED                 900        0        0
OWENS ILL INC                 COM NEW             690768403        0       30 SH       DEFINED                  30        0        0
PG&E CORP                     COM                 69331C108       27      655 SH       SOLE                    655        0        0
PNC FINL SVCS GROUP INC       COM                 693475105     1763    24343 SH       SOLE                  22503        0     1840
PNC FINL SVCS GROUP INC       COM                 693475105      115     1600 SH       DEFINED                 150        0     1450
PPG INDS INC                  COM                 693506107       83     1240 SH       SOLE                   1240        0        0
PPL CORP                                          69351T106       81     2484 SH       SOLE                   2484        0        0
PACCAR INC                    COM                 693718108      467     8195 SH       SOLE                   8195        0        0
PACKAGING CORP AMER           COM                 695156109       23      995 SH       SOLE                    995        0        0
PACTIV CORP                   COM                 695257105      106     3736 SH       SOLE                   3736        0        0
PALL CORP                     COM                 696429307       92     3000 SH       SOLE                   3000        0        0
PALL CORP                     COM                 696429307       30     1000 SH       DEFINED                   0        0     1000
PANACOS PHARMACEUTICALS INC                       69811Q106        0       20 SH       SOLE                      0        0       20
PAYCHEX INC                   COM                 704326107        3      100 SH       SOLE                    100        0        0
PENGROWTH ENERGY TR UNIT NEW                      706902509        9      500 SH       DEFINED                 500        0        0
PENNEY J C INC                COM                 708160106      131     1920 SH       SOLE                   1920        0        0
PEOPLES ENERGY CORP           COM                 711030106       20      515 SH       SOLE                    415        0      100
PEPCO HOLDINGS INC                                713291102       23      952 SH       SOLE                    952        0        0
PEPSICO INC                   COM                 713448108     5038    77201 SH       SOLE                  73216        0     3985
PEPSICO INC                   COM                 713448108      314     4813 SH       DEFINED                4813        0        0
PFIZER INC                    COM                 717081103     4162   146773 SH       SOLE                 125343        0    21430
PFIZER INC                    COM                 717081103      226     7991 SH       DEFINED                5191        0     2800


                                       15




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
PHELPS DODGE CORP             COM                 717265102       39      465 SH       SOLE                    465        0        0
PHOENIX COS INC NEW           COM                 71902E109        7      517 SH       SOLE                    517        0        0
PIMCO MUNI INC FUND III                           72201E105        8      500          SOLE                    500        0        0
PINNACLE WEST CAP CORP        COM                 723484101       85     1891 SH       SOLE                   1891        0        0
PITNEY BOWES INC              COM                 724479100      341     7695 SH       SOLE                   7695        0        0
PLAINS ALL AMERICAN           PIPELINE LP         726503105        4      100 SH       SOLE                      0        0      100
PLUM CREEK TIMBER CO INC      COM                 729251108        8      250 SH       SOLE                    250        0        0
PRAXAIR INC                   COM                 74005P104       31      538 SH       SOLE                    188        0      350
PROCTER & GAMBLE CO           COM                 742718109     5836    94183 SH       SOLE                  87949        0     6234
PROCTER & GAMBLE CO           COM                 742718109      284     4587 SH       DEFINED                3322        0     1265
PROGRESS ENERGY INC           COM                 743263105       26      577 SH       SOLE                    577        0        0
PROGRESSIVE CORP                                  743315103      403    16445 SH       SOLE                  16445        0        0
PRUDENTIAL FINL, INC.         COM                 744320102      121     1592 SH       SOLE                   1592        0        0
PUBLIC SVC ENTERPRISE GROUP   COM                 744573106       41      681 SH       SOLE                    681        0        0
PUGET SOUND ENERGY INC        COM                 745310102       75     3311 SH       SOLE                   3311        0        0
PULTE CORP                    COM                 745867101       72     2275 SH       DEFINED                   0        0     2275
PUTNAM HIGH YIELD MUN TR      C/C                 746781103       14     2022          SOLE                   2022        0        0
QUALCOMM INC                  COM                 747525103     1710    47060 SH       SOLE                  43680        0     3380
QUALCOMM INC                  COM                 747525103       27      765 SH       DEFINED                 765        0        0
QUEST DIAGNOSTICS INC         COM                 74834L100       63     1038 SH       SOLE                   1038        0        0
QUESTAR CORP                  COM                 748356102      141     1725 SH       SOLE                   1725        0        0
QWEST COMM INTL INC                               749121109       22     2622 SH       SOLE                   2622        0        0
QWEST COMM INTL INC                               749121109      286    32850 SH       DEFINED                   0        0    32850
RAYTHEON CO CLASS B           COM                 755111507      110     2312 SH       SOLE                   2312        0        0
REGENCY CTRS CORP                                 758849103        5       75 SH       SOLE                     75        0        0
RELIANT ENERGY INC                                75952B105        3      279 SH       DEFINED                 279        0        0
REYNOLDS AMERN INC                                761713106       82     1330 SH       SOLE                    930        0      400
RITE AID CORP                 COM                 767754104       22     5000 SH       SOLE                   5000        0        0
ROBERT HALF INTL INC          COM                 770323103       39     1150 SH       SOLE                   1150        0        0
ROCKWELL INTL CORP NEW        COM                 773903109       34      600 SH       SOLE                    600        0        0
ROCKWELL INTL CORP NEW        COM                 773903109       29      500 SH       DEFINED                   0        0      500
ROCKWELL COLLINS INC          COM                 774341101       32      600 SH       SOLE                    600        0        0
ROCKWELL COLLINS INC          COM                 774341101        0        7 SH       DEFINED                   7        0        0


                                       16




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
ROHM & HAAS CO                COM                 775371107       60     1273 SH       SOLE                   1273        0        0
ROYAL DUTCH PETE CO                               780259206      381     5775 SH       SOLE                   5775        0        0
RYLAND GROUP INC.                                 783764103       21      500 SH       DEFINED                   0        0      500
SLM CORPORATION SECURITIES    COM                 78442P106       11      227 SH       SOLE                    227        0        0
SAFEWAY INC (FORMERLY         SAFEWAY STORES INC) 786514208        1       35 SH       DEFINED                  35        0        0
ST JUDE MED INC                                   790849103       45     1280 SH       SOLE                   1280        0        0
THE ST PAULS TRAVELERS        COMPANIES INC-COM   792860108        6      136 SH       SOLE                    136        0        0
THE ST PAULS TRAVELERS        COMPANIES INC-COM   792860108       79     1698 SH       DEFINED                  25        0     1673
SARA LEE CORP                 COM                 803111103       38     2388 SH       SOLE                   2388        0        0
SARA LEE CORP                 COM                 803111103        0       55 SH       DEFINED                  55        0        0
SCHEIN HENRY INC.                                 806407102       31      620 SH       SOLE                    620        0        0
SCHERING PLOUGH CORP          COM                 806605101      277    12550 SH       SOLE                  11750        0      800
SCHLUMBERGER LTD              COM                 806857108     4488    72369 SH       SOLE                  68059        0     4310
SCHLUMBERGER LTD              COM                 806857108      270     4360 SH       DEFINED                4360        0        0
SCOTTISH PWR PLC NEW                              81013T804      131     2716 SH       SOLE                   2716        0        0
SEARS HLDGS CORP COM                              812350106      165     1050 SH       DEFINED                   0        0     1050
SELECTIVE INS GRP INC         C/C                 816300107       37      719 SH       SOLE                    719        0        0
SEMPRA ENERGY                 COM                 816851109       62     1250 SH       SOLE                   1250        0        0
SENECA FOODS CORP NEW         CL B                817070105       38     1400 SH       SOLE                   1400        0        0
SENECA FOODS CORP NEW         CL A                817070501       37     1400 SH       SOLE                   1400        0        0
SENIOR HSG PPTYS TR           SH BEN INT          81721M109       13      621 SH       SOLE                    621        0        0
SIGMA ALDRICH CORP            COM                 826552101     4108    54300 SH       SOLE                  50955        0     3345
SIGMA ALDRICH CORP            COM                 826552101       56      750 SH       DEFINED                 750        0        0
SIMON PPTY GROUP INC NEW                          828806109       41      455 SH       SOLE                    455        0        0
SIMON PPTY GROUP INC NEW                          828806109      101     1122 SH       DEFINED                   0        0     1122
SIRIUS SATELLITE RADIO INC                        82966U103       11     3000 SH       SOLE                   3000        0        0
SKY FINL GROUP INC            COM                 83080P103      130     5237 SH       SOLE                   5237        0        0
SKYWORKS SOLUTIONS INC                            83088M102        1      210 SH       SOLE                    210        0        0
SMURFIT-STONE CONTAINER CORP  COM                 832727101        1      100 SH       SOLE                    100        0        0
SNAP-ON INC (FORMERLY         SNAP-ON TOOLS CORP) 833034101       16      365 SH       SOLE                    365        0        0
SOLECTRON CORP                COM                 834182107        0      200 SH       DEFINED                 200        0        0
SOUTHERN CO                   COM                 842587107       66     1926 SH       SOLE                   1836        0       90
SOUTHWEST AIRLS CO            COM                 844741108        3      200 SH       DEFINED                 200        0        0


                                       17




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
SPRINT NEXTEL CORP                                852061100       40     2350 SH       SOLE                   2350        0        0
SPRINT NEXTEL CORP                                852061100      234    13700 SH       DEFINED                 100        0    13600
STAPLES INC                   COM                 855030102     1910    78576 SH       SOLE                  73039        0     5537
STAPLES INC                   COM                 855030102       66     2735 SH       DEFINED                2735        0        0
STARBUCKS CORP                COM                 855244109       27      800 SH       DEFINED                 800        0        0
STARWOOD HOTELS & RESORTS     WORLDWIDE INC COM   85590A401        0        6 SH       DEFINED                   6        0        0
STATE STR CORP                COM                 857477103        2       40 SH       SOLE                     40        0        0
STORA ENSO OYJ                                    86210M106        5      357 SH       DEFINED                 357        0        0
STRYKER CORP                                      863667101       49     1000 SH       DEFINED                1000        0        0
SUFFOLK BANCORP               COM                 864739107      103     3244 SH       SOLE                   3244        0        0
SUN MICROSYSTEMS INC          COM                 866810104       24     4850 SH       SOLE                   3400        0     1450
SUN MICROSYSTEMS INC          COM                 866810104        1      250 SH       DEFINED                   0        0      250
SUNTRUST BKS INC              COM                 867914103      244     3160 SH       SOLE                   3160        0        0
SUNTRUST BKS INC              COM                 867914103       85     1100 SH       DEFINED                   0        0     1100
SUPERVALU INC                 COM                 868536103        4      163 SH       SOLE                    163        0        0
SYMANTEC CORP                 COM                 871503108        7      368 SH       SOLE                    368        0        0
SYMANTEC CORP                 COM                 871503108       12      600 SH       DEFINED                   0        0      600
SYNOVUS FINL CORP             COM                 87161C105       19      675 SH       SOLE                      0        0      675
SYSCO CORP                    COM                 871829107       14      428 SH       SOLE                    428        0        0
TD BANKNORTH INC COM                              87235A101        4      163 SH       SOLE                    163        0        0
TECO ENERGY INC                                   872375100       56     3624 SH       SOLE                   2924        0      700
TEPPCO PARTNERS LP                                872384102       18      500 SH       SOLE                    500        0        0
TXU CORP COM                                      873168108      129     2065 SH       SOLE                   2065        0        0
TARGET CORP                   COM                 87612E106     4258    77073 SH       SOLE                  72313        0     4760
TARGET CORP                   COM                 87612E106       98     1776 SH       DEFINED                1776        0        0
TELECOM CORP NEW ZEALAND LTD  SPONSORED ADR       879278208       23     1052 SH       SOLE                   1052        0        0
TELLABS INC                   COM                 879664100        0       55 SH       DEFINED                  55        0        0
TEMPLETON GLOBAL INC FD       C/C                 880198106        8      900 SH       SOLE                    900        0        0
TENNECO INC COM                                   880349105        8      352 SH       SOLE                    352        0        0
TEVA PHARMA INDS ADR                              881624209       10      300 SH       SOLE                    300        0        0
TEVA PHARMA INDS ADR                              881624209        2       65 SH       DEFINED                  65        0        0
TEXAS INSTRS INC              COM                 882508104     2073    62376 SH       SOLE                  58191        0     4185
TEXAS INSTRS INC              COM                 882508104       66     2000 SH       DEFINED                 800        0     1200


                                       18




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                              
TEXTRON INC                   COM                 883203101        0        4 SH       DEFINED                   4        0        0
THERMO ELECTRON CORP          COM                 883556102        7      200 SH       SOLE                    200        0        0
THORNBURG MORTGAGE INC                            885218107        2      100 SH       DEFINED                 100        0        0
3COM CORP                     COM                 885535104        3      800 SH       SOLE                    800        0        0
3M COMPANY COM                                    88579Y101     3778    50772 SH       SOLE                  47557        0     3215
3M COMPANY COM                                    88579Y101      254     3425 SH       DEFINED                2425        0     1000
TIME WARNER INC               COM                 887317105      327    17990 SH       SOLE                  17660        0      330
TIME WARNER INC               COM                 887317105      149     8225 SH       DEFINED                 125        0     8100
TOMPKINS TRUSTCO INC                              890110109    43269   952036 SH       SOLE                 933930        0    18106
TOMPKINS TRUSTCO INC                              890110109     2683    59051 SH       DEFINED               59051        0        0
TORCHMARK CORP                COM                 891027104       89     1420 SH       SOLE                   1420        0        0
TORONTO DOMINION BK ONT       COM NEW ADR         891160509        4       70 SH       SOLE                     70        0        0
TOYOTA MOTOR CORP ADR 2       COM                 892331307        1       10 SH       DEFINED                  10        0        0
TRONOX INC COMMON STOCK       CL B                897051207        0       47 SH       SOLE                     47        0        0
TYCO INTL LTD NEW COM                             902124106      142     5100 SH       SOLE                   5100        0        0
TYCO INTL LTD NEW COM                             902124106      218     7800 SH       DEFINED                   0        0     7800
U S B HLDG INC                COM                 902910108        6      292 SH       SOLE                    292        0        0
UST INC COM                                       902911106       28      511 SH       SOLE                    411        0      100
US BANCORP DEL                COM NEW             902973304        9      300 SH       SOLE                    300        0        0
UNILEVER PLC AMER SHS ADR                         904767704       35     1434 SH       SOLE                   1434        0        0
UNILEVER N V                  N Y SHS NEW         904784709       88     3621 SH       SOLE                   3621        0        0
UNION PAC CORP                COM                 907818108       61      700 SH       SOLE                    700        0        0
UNION PAC CORP                COM                 907818108       88     1000 SH       DEFINED                   0        0     1000
UNITED PARCEL SERVICE INC     CL B                911312106     3190    44346 SH       SOLE                  41741        0     2605
UNITED PARCEL SERVICE INC     CL B                911312106       53      750 SH       DEFINED                 750        0        0
USX-U S STL                   COM                 912909108       10      174 SH       SOLE                    174        0        0
UNITED TECHNOLOGIES CORP      COM                 913017109     4479    70715 SH       SOLE                  67775        0     2940
UNITED TECHNOLOGIES CORP      COM                 913017109       54      856 SH       DEFINED                 856        0        0
UNITED UTILS PLC              SPONSORED ADR       91311Q105       30     1158 SH       SOLE                   1158        0        0
UNITEDHEALTH GROUP INC                            91324P102     4438    90213 SH       SOLE                  85511        0     4702
UNITEDHEALTH GROUP INC                            91324P102      254     5175 SH       DEFINED                1300        0     3875
V F CORP                      COM                 918204108       58      800 SH       SOLE                    800        0        0
VALERO ENERGY CORP NEW        COM                 91913Y100       95     1860 SH       SOLE                   1860        0        0


                                       19




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                               
VAN KAMPEN AMERICAN CAPITAL
  MUNICIPAL TRUST                                 920919107       20     1400          SOLE                   1400        0        0
VAN KAMPEN TR INVT GRADE MUN  COM                 920929106       20     1400          SOLE                   1400        0        0
VAN KAMPEN TR INVT GRADE N J  COM                 920933108       39     2400          SOLE                   2400        0        0
VAN KAMPEN MUNICIPAL          OPPORTUNITY TR      920935103       20     1393          SOLE                   1393        0        0
VECTREN CORP COM                                  92240G101       31     1170 SH       SOLE                   1170        0        0
VERIZON COMMUNICATIONS        COM                 92343V104      859    23153 SH       SOLE                  21153        0     2000
VERIZON COMMUNICATIONS        COM                 92343V104        5      150 SH       DEFINED                 150        0        0
VIACOM INC NEW CL B                               92553P201       24      667 SH       SOLE                    667        0        0
VIACOM INC NEW CL B                               92553P201       32      887 SH       DEFINED                 137        0      750
VODAFONE GROUP PLC NEW                            92857W209       56     2486 SH       SOLE                   2486        0        0
VOLTERRA SEMICONDUCTER CORP                       928708106       16     1000 SH       SOLE                   1000        0        0
WGL HLDGS INC                                     92924F106       31     1000 SH       SOLE                   1000        0        0
WPP GROUP PLC SPONSORED       ADR NEW 9/05        929309409       55      900 SH       DEFINED                   0        0      900
WPS RESOURCES CORP            COM                 92931B106       14      300 SH       SOLE                    300        0        0
WACHOVIA CORP 2ND NEW COM                         929903102       88     1578 SH       SOLE                   1578        0        0
WACHOVIA CORP 2ND NEW COM                         929903102       62     1125 SH       DEFINED                  25        0     1100
WAL-MART STORES INC           COM                 931142103     2118    42954 SH       SOLE                  39989        0     2965
WAL-MART STORES INC           COM                 931142103      263     5350 SH       DEFINED                5350        0        0
WALGREEN CO                   COM                 931422109      204     4609 SH       SOLE                   4609        0        0
WALGREEN CO                   COM                 931422109        0       20 SH       DEFINED                  20        0        0
WASHINGTON MUT INC            COM                 939322103       13      302 SH       SOLE                    302        0        0
WASTE MGMT INC DEL            COM                 94106L109      236     6456 SH       SOLE                   6456        0        0
WASTE MGMT INC DEL            COM                 94106L109       70     1925 SH       DEFINED                   0        0     1925
WELLPOINT INC COM                                 94973V107      493     6400 SH       SOLE                   6310        0       90
WELLPOINT INC COM                                 94973V107        3       47 SH       DEFINED                  47        0        0
WELLS FARGO & CO NEW          COM                 949746101     2933    81094 SH       SOLE                  76814        0     4280
WELLS FARGO & CO NEW          COM                 949746101       48     1350 SH       DEFINED                1350        0        0
WESTAR ENERGY INC             COM                 95709T100       25     1100 SH       SOLE                   1100        0        0
WEYERHAEUSER CO                                   962166104       25      409 SH       SOLE                    409        0        0
WHIRLPOOL CORP                COM                 963320106       92     1095 SH       SOLE                   1095        0        0
WHOLE FOODS MARKET INC                            966837106        0       10 SH       DEFINED                  10        0        0
WINDSTREAM CORP                                   97381W104        5      413 SH       SOLE                    413        0        0
WINDSTREAM CORP                                   97381W104       19     1447 SH       DEFINED                   0        0     1447


                                       20




                                                                                     INFORMATION TABLE
                                                                     FORM 13F     -----------------------       VOTING AUTHORITY
                                                             VALUE   SHARES/  SH/ PUT/ INVSTMT   OTHER    --------------------------
     NAME OF ISSUER            TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN  MANAGERS    SOLE    SHARED    NONE
----------------------------  ---------------- ------------ -------- -------- --- ---- ------- ---------- -------- -------- --------
                                                                                             
WISCONSIN ENERGY CORP         COM                 976657106       14      325 SH       SOLE                    325        0        0
WRIGLEY WM JR CO              COM                 982526105        0       10 SH       SOLE                     10        0        0
WRIGLEY WM JR CO              COM                 982526105        4       87 SH       DEFINED                  87        0        0
WYETH                         COM                 983024100      479     9429 SH       SOLE                   9429        0        0
WYETH                         COM                 983024100      177     3500 SH       DEFINED                1500        0     2000
XM SATELLITE RADIO HLDGS INC  CL A                983759101        2      200 SH       SOLE                    200        0        0
XCEL ENERGY INC                                   98389B100       33     1611 SH       SOLE                   1011        0      600
XEROX CORP                    COM                 984121103       24     1556 SH       SOLE                   1556        0        0
YAHOO INC                     COM                 984332106      104     4145 SH       DEFINED                  95        0     4050

 GRAND TOTALS                                                 317361  6979475                              6379380        0   600095


                                       21