FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
DAIMLERCHRYSLER AG           ORD ADR            D1668R123        1       21 SH       DEFINED                    21        0        0
ACE LTD                                         G0070K103       36      600 SH       SOLE                      600        0        0
ASPEN INSURANCE HOLDING USD                     G05384105        7      300 SH       SOLE                      300        0        0
BUNGE LTD                                       G16962105       68      950 SH       SOLE                      950        0        0
COOPER INDUSTRIES LTD        CLASS A            G24182100        0        6 SH       DEFINED                     6        0        0
FOSTER WHEELER LTD                              G36535139       62     1137 SH       SOLE                     1137        0        0
GARMIN CORP                                     G37260109       55     1000 SH       DEFINED                  1000        0        0
GLOBALSANTAFE CORPORATION                       G3930E101        1       20 SH       DEFINED                    20        0        0
INGERSOLL-RAND CO            COM                G4776G101      156     4010 SH       SOLE                     4010        0        0
LAZARD LTD                                      G54050102        0       10 SH       DEFINED                    10        0        0
NOBLE CORP                   COM                G65422100     1275    16745 SH       SOLE                    16170        0      575
PRUDENTIAL PLC PFD                              G7293H189        5      200 SH       SOLE                      200        0        0
SEAGATE TECHNOLOGY                              G7945J104       71     2700 SH       DEFINED                     0        0     2700
WEATHERFORD INTL LTD                            G95089101       38      918 SH       SOLE                      918        0        0
XL CAP LTD                   CL A               G98255105       31      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       30 SH       DEFINED                    30        0        0
FLEXTRONICS INTL LTD         ORD                Y2573F102        1      125 SH       DEFINED                   125        0        0
VERIGY LTD                                      Y93691106        0       37 SH       SOLE                       37        0        0
AFLAC INC                    COM                001055102      331     7200 SH       SOLE                     5000        0     2200
AES CORP                     COM                00130H105      235    10700 SH       DEFINED                     0        0    10700
AT&T INC                     COM                00206R102     6804   190346 SH       SOLE                   175330        0    15016
AT&T INC                     COM                00206R102      303     8498 SH       DEFINED                  8498        0        0
ABBOTT LABS                  COM                002824100     4226    86792 SH       SOLE                    80957        0     5835
ABBOTT LABS                  COM                002824100      126     2600 SH       DEFINED                  1600        0     1000
ADOBE SYS INC                COM                00724F101       94     2300 SH       SOLE                     2300        0        0
ADVANCED MICRO DEVICES INC   COM                007903107        0       25 SH       DEFINED                    25        0        0
AETNA INC NEW                COM                00817Y108      147     3425 SH       DEFINED                     0        0     3425


                                       1




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
AGILENT TECHNOLOGIES INC     COM                00846U101      154     4440 SH       SOLE                     4440        0        0
AIR PRODS & CHEMS INC        COM                009158106       92     1311 SH       SOLE                     1256        0       55
AKAMAI TECHNOLOGIES                             00971T101        0        5 SH       DEFINED                     5        0        0
ALCOA INC                    COM                013817101     1870    62356 SH       SOLE                    58206        0     4150
ALCOA INC                    COM                013817101       61     2040 SH       DEFINED                  2040        0        0
ALCATEL-LUCENT                                  013904305       19     1352 SH       SOLE                     1352        0        0
ALLEGHENY TECHNOLOGIES INC   COM                01741R102       60      665 SH       SOLE                      665        0        0
ALLIANCE NY MUNI FUND                           018714105        7      500          SOLE                      500        0        0
ALLIANCE WORLD DLR GOVT II   C/C                01879R106       19     1443 SH       SOLE                     1443        0        0
ALLIANT ENERGY                                  018802108        7      200 SH       SOLE                      200        0        0
ALLIED CAPITAL CORP                             01903Q108       12      375 SH       SOLE                      375        0        0
ALLIANCE FINL CORP                              019205103     2103    66021 SH       SOLE                    66021        0        0
ALLIANCE FINL CORP                              019205103      127     4000 SH       DEFINED                  4000        0        0
ALLSTATE CORP                COM                020002101       75     1155 SH       SOLE                     1155        0        0
ALLSTATE CORP                COM                020002101        9      150 SH       DEFINED                   150        0        0
ALLTEL CORP                  COM                020039103      233     3865 SH       SOLE                     3865        0        0
ALLTEL CORP                  COM                020039103       84     1400 SH       DEFINED                     0        0     1400
ALTRIA GROUP INC             COM                02209S103     1016    11844 SH       SOLE                    11244        0      600
ALTRIA GROUP INC             COM                02209S103      128     1500 SH       DEFINED                  1500        0        0
AMAZON COM INC               COM                023135106      197     5000 SH       DEFINED                     0        0     5000
AMBAC FINL GROUP INC         COM                023139108      221     2485 SH       SOLE                     2485        0        0
AMEREN CORP                  COM                023608102       55     1032 SH       SOLE                     1032        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     2265    37349 SH       SOLE                    34699        0     2650
AMERICAN EXPRESS CO          COM                025816109       30      500 SH       DEFINED                   500        0        0
AMERICAN FINANCIAL REALTY    TRUST              02607P305        7      699 SH       SOLE                      699        0        0
AMERICAN INTL GROUP INC      COM                026874107     4415    61624 SH       SOLE                    57989        0     3635
AMERICAN INTL GROUP INC      COM                026874107      551     7695 SH       DEFINED                  5228        0     2467
AMERISOURCEBERGEN CORP                          03073E105       93     2090 SH       SOLE                     2090        0        0
AMERISOURCEBERGEN CORP                          03073E105        0       15 SH       DEFINED                    15        0        0
AMERIPRISE FINL INC COM                         03076C106        1       30 SH       DEFINED                    30        0        0
AMGEN INC                    COM                031162100     2099    30735 SH       SOLE                    27880        0     2855
AMGEN INC                    COM                031162100       15      225 SH       DEFINED                   225        0        0


                                       2




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
AMYLIN PHARMACEUTICALS INC                      032346108        9      250 SH       SOLE                      250        0        0
ANADARKO PETE CORP           COM                032511107       34      782 SH       SOLE                      782        0        0
ANADARKO PETE CORP           COM                032511107       69     1600 SH       DEFINED                     0        0     1600
ANALOG DEVICES INC           COM                032654105        6      203 SH       SOLE                      203        0        0
ANHEUSER-BUSCH COS INC       COM                035229103      316     6430 SH       SOLE                     5830        0      600
ANHEUSER-BUSCH COS INC       COM                035229103       98     2000 SH       DEFINED                  2000        0        0
ANNALY MTG MGMT INC                             035710409        0      400 SH       SOLE                      400        0        0
AON CORP                     COM                037389103       42     1200 SH       DEFINED                     0        0     1200
APACHE CORP                                     037411105     2031    30538 SH       SOLE                    28433        0     2105
APACHE CORP                                     037411105       28      428 SH       DEFINED                   428        0        0
APOLLO GROUP INC             CL A               037604105        0      100 SH       SOLE                      100        0        0
APPLE COMPUTER INC           COM                037833100       16      200 SH       SOLE                      200        0        0
APPLE COMPUTER INC           COM                037833100        3       43 SH       DEFINED                    43        0        0
APPLERA CORP                 COM AP BIO GRP     038020103      328     8955 SH       SOLE                     8955        0        0
APPLIED MATLS INC            COM                038222105       62     3375 SH       SOLE                     3375        0        0
AQUA AMER INC                                   03836W103       11      500 SH       SOLE                      500        0        0
ARBITRON INC                                    03875Q108        1       45 SH       SOLE                       45        0        0
ARCHER DANIELS MIDLAND CO    COM                039483102      225     7050 SH       SOLE                     7050        0        0
AUTOMATIC DATA PROCESSING                       053015103      353     7184 SH       SOLE                     7184        0        0
AUTOMATIC DATA PROCESSING                       053015103       98     2000 SH       DEFINED                  2000        0        0
AVAYA INC                    COM                053499109        2      155 SH       SOLE                      155        0        0
AVERY DENNISON CORP          COM                053611109       11      170 SH       SOLE                      170        0        0
AVERY DENNISON CORP          COM                053611109       13      200 SH       DEFINED                   200        0        0
AXCELIS TECHNOLOGIES INC     COM                054540109        2      471 SH       SOLE                      471        0        0
BCE INC COM NEW                                 05534B760       22      825 SH       SOLE                      825        0        0
BISYS GROUP INC              COM                055472104       12     1000 SH       SOLE                     1000        0        0
BJ SVCS CO                   COM                055482103       67     2300 SH       SOLE                     2300        0        0
BP AMOCO P L C               SPONSORED ADR      055622104      513     7657 SH       SOLE                     7657        0        0
BP AMOCO P L C               SPONSORED ADR      055622104      197     2940 SH       DEFINED                  1628        0     1312
BAKER HUGHES INC             COM                057224107       52      705 SH       DEFINED                     5        0      700
BANK OF AMERICA CORPORATION  COM                060505104     6095   114192 SH       SOLE                   108219        0     5973
BANK OF AMERICA CORPORATION  COM                060505104      313     5876 SH       DEFINED                  3416        0     2460
BANK NEW YORK INC            COM                064057102      125     3200 SH       SOLE                     2200        0     1000
BANK NEW YORK INC            COM                064057102        3      100 SH       DEFINED                   100        0        0


                                       3




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
BARRICK GOLD CORP            COM ADR            067901108      124     4053 SH       SOLE                     4053        0        0
BARR LABS INC                COM                068306109      234     4670 SH       SOLE                     4670        0        0
BAXTER INTL INC              COM                071813109       24      519 SH       SOLE                      519        0        0
BEAR STEARNS COS INC         COM                073902108      104      645 SH       SOLE                      645        0        0
BEAZER HOMES USA INC         COM                07556Q105       21      450 SH       DEFINED                     0        0      450
BECTON DICKINSON & CO        COM                075887109       84     1200 SH       SOLE                     1200        0        0
BELLSOUTH CORP               COM                079860102     3021    64140 SH       SOLE                    56475        0     7665
BELLSOUTH CORP               COM                079860102      186     3950 SH       DEFINED                  2150        0     1800
BERKSHIRE HATHAWAY INC DEL   CL A               084670108      109        1 SH       SOLE                        0        0        1
BERKSHIRE HATHAWAY INC DEL   CL B               084670207       58       16 SH       SOLE                       16        0        0
BERKSHIRE HATHAWAY INC DEL   CL B               084670207       10        3 SH       DEFINED                     3        0        0
BEST BUY INC                 COM                086516101      107     2193 SH       SOLE                     2193        0        0
BIOMET INC                   COM                090613100        4      100 SH       SOLE                      100        0        0
BIOGEN IDEC INC                                 09062X103       51     1050 SH       SOLE                      450        0      600
BLACK & DECKER CORP          COM                091797100       56      707 SH       DEFINED                     7        0      700
BLACKROCK INSD MUN 2008 TERM                    09247K109       19     1275          SOLE                     1275        0        0
BLACKROCK INSD MUN INC TR                       092479104       17     1178 SH       SOLE                     1178        0        0
BLACKROCK MUNIHOLDINGS NY    INSD FD INC        09255C106       32     2300          SOLE                     2300        0        0
BOEING CO                    COM                097023105      802     9035 SH       SOLE                     9035        0        0
BOEING CO                    COM                097023105        5       61 SH       DEFINED                    61        0        0
BORG WARNER INC                                 099724106        1       25 SH       DEFINED                    25        0        0
BOSTON PPTYS INC                                101121101      267     2395 SH       SOLE                     2395        0        0
BOSTON SCIENTIFIC CORP       COM                101137107       18     1072 SH       SOLE                     1072        0        0
BRANDYWINE RLTY TR           SH BEN INT NEW     105368203        9      273 SH       SOLE                      273        0        0
BRISTOL MYERS SQUIBB CO      COM                110122108      276    10499 SH       SOLE                     8999        0     1500
BRISTOL MYERS SQUIBB CO      COM                110122108       94     3600 SH       DEFINED                  1600        0     2000
BROADCOM CORP                CL A               111320107        2       70 SH       DEFINED                    70        0        0
BROWN FORMAN CORP            CL B               115637209      132     2000 SH       DEFINED                     0        0     2000
BURLINGTON NORTHN SANTA FE   CCOM               12189T104      245     3325 SH       SOLE                     3325        0        0
CBS CORP NEW CL B                               124857202     2218    71156 SH       SOLE                    66134        0     5022
CBS CORP NEW CL B                               124857202       51     1657 SH       DEFINED                   907        0      750
CH ENERGY GROUP INC                             12541M102       31      600 SH       SOLE                      600        0        0
CSX CORP                     COM                126408103       70     2040 SH       SOLE                     2040        0        0


                                       4




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
CVS CORP                     COM                126650100      197     6400 SH       SOLE                     6400        0        0
CA INC COM                                      12673P105       47     2100 SH       DEFINED                     0        0     2100
CABLEVISION NY GROUP CL A                       12686C109        3      130 SH       SOLE                      130        0        0
CALLAWAY GOLF CO                                131193104        1      100 SH       SOLE                      100        0        0
CAMPBELL SOUP CO             COM                134429109       36      950 SH       SOLE                      950        0        0
CAMPBELL SOUP CO             COM                134429109       50     1300 SH       DEFINED                     0        0     1300
CAPITAL ONE FINANCIAL CORP                      14040H105      234     3055 SH       SOLE                     3055        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105       72      950 SH       DEFINED                     0        0      950
CAPSTON TURBINE CORP                            14067D102        0      500 SH       SOLE                      500        0        0
CARDINAL HEALTH INC          COM                14149Y108      143     2221 SH       SOLE                     2221        0        0
CARDINAL HEALTH INC          COM                14149Y108       93     1450 SH       DEFINED                  1450        0        0
CARNIVAL CORP                                   143658300      193     3940 SH       SOLE                     3940        0        0
CATERPILLAR INC DEL          COM                149123101      507     8267 SH       SOLE                     8157        0      110
CATERPILLAR INC DEL          COM                149123101       30      500 SH       DEFINED                   500        0        0
CENTEX CORP                  COM                152312104       71     1275 SH       DEFINED                     0        0     1275
CERIDIAN CORP NEW            COM                156779100       12      456 SH       SOLE                      456        0        0
CHARMING SHOPPES INC                            161133103        3      290 SH       SOLE                      290        0        0
CHEMED CORP INC                                 16359R103        6      170 SH       SOLE                      170        0        0
CHESAPEAKE ENERGY CORP                          165167107       57     1975 SH       SOLE                     1975        0        0
CHEVRON CORPORATION NEW                         166764100     4112    55924 SH       SOLE                    52709        0     3215
CHEVRON CORPORATION NEW                         166764100      245     3341 SH       DEFINED                  1075        0     2266
CHICAGO MERCANTILE EXC                          167760107        0        1 SH       DEFINED                     1        0        0
CHOICEPOINT INC              COM                170388102       18      480 SH       SOLE                      480        0        0
CHUBB CORP                   COM                171232101      392     7420 SH       SOLE                     7420        0        0
CHUBB CORP                   COM                171232101       33      635 SH       DEFINED                    35        0      600
CISCO SYS INC                COM                17275R102     4749   173834 SH       SOLE                   162979        0    10855
CISCO SYS INC                COM                17275R102      224     8220 SH       DEFINED                  4720        0     3500
CITIGROUP INC                                   172967101     6491   116539 SH       SOLE                   111010        0     5529
CITIGROUP INC                                   172967101      268     4829 SH       DEFINED                  2579        0     2250
CLOROX CO DEL                COM                189054109      302     4710 SH       SOLE                     4710        0        0
CLOROX CO DEL                COM                189054109       78     1220 SH       DEFINED                    20        0     1200
COCA COLA CO                 COM                191216100     2150    44561 SH       SOLE                    41431        0     3130
COCA COLA CO                 COM                191216100      127     2640 SH       DEFINED                  1140        0     1500


                                       5




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
COHEN & STEERS REIT & PFD                       19247X100       15      500 SH       SOLE                      500        0        0
COLGATE PALMOLIVE CO         COM                194162103      473     7255 SH       SOLE                     7255        0        0
COLGATE PALMOLIVE CO         COM                194162103      130     2000 SH       DEFINED                     0        0     2000
COLONIAL PPTYS TR            COM SH BEN INT     195872106        6      148 SH       SOLE                      148        0        0
COMCAST CORP NEW CL A                           20030N101       65     1545 SH       SOLE                     1545        0        0
COMCAST CORP NEW CL A                           20030N101       38      904 SH       DEFINED                     0        0      904
COMCAST CORP NEW                                20030N200       46     1110 SH       DEFINED                   110        0     1000
COMERICA INC                 COM                200340107       10      171 SH       SOLE                      171        0        0
COMMERCIAL METALS CO         COM                201723103       55     2140 SH       SOLE                     2140        0        0
COMPUTER SCIENCES CORP       COM                205363104      107     2010 SH       SOLE                     2010        0        0
CONAGRA FOODS INC            COM                205887102      127     4737 SH       SOLE                     4737        0        0
CONAGRA FOODS INC            COM                205887102       40     1500 SH       DEFINED                     0        0     1500
CONEXANT SYSTEMS INC         COM                207142100        1      600 SH       SOLE                      600        0        0
CONOCOPHILLIPS                                  20825C104      863    12003 SH       SOLE                    11319        0      684
CONSOLIDATED EDISON INC                         209115104       77     1622 SH       SOLE                     1622        0        0
CONSTELLATION ENERGY CORP    COM                210371100      103     1500 SH       SOLE                     1500        0        0
CONSTELLATION ENERGY CORP    COM                210371100       80     1175 SH       DEFINED                    25        0     1150
CONVERGYS CORP               COM                212485106       12      540 SH       SOLE                      540        0        0
CORN PRODS INTL INC          COM                219023108        5      150 SH       SOLE                      150        0        0
CORNING INC                  COM                219350105      248    13305 SH       SOLE                    13305        0        0
CORNING INC                  COM                219350105        8      454 SH       DEFINED                   454        0        0
COSTCO WHSL CORP NEW         COM                22160K105     1978    37423 SH       SOLE                    34918        0     2505
COSTCO WHSL CORP NEW         COM                22160K105      146     2775 SH       DEFINED                  2775        0        0
COUNTRYWIDE FINANCIAL CORP                      222372104      151     3575 SH       DEFINED                     0        0     3575
CREDIT SUISSE GROUP          SPONSORED ADR      225401108        1       17 SH       DEFINED                    17        0        0
CROWN CASTLE INTL CORP       COM                228227104        0       25 SH       DEFINED                    25        0        0
CUMMINS INC                  COM                231021106      293     2480 SH       SOLE                     2480        0        0
DNP SELECT INC FD INC        COM                23325P104       24     2300 SH       SOLE                     2300        0        0
DTE ENERGY CO                                   233331107       25      518 SH       SOLE                      518        0        0
DANAHER CORP DEL             COM                235851102      133     1840 SH       SOLE                     1840        0        0
DEL MONTE FOODS                                 24522P103        6      580 SH       SOLE                      580        0        0
DELL INC                                        24702R101       24      985 SH       SOLE                      985        0        0
DELL INC                                        24702R101       72     2900 SH       DEFINED                     0        0     2900


                                       6




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
DENTSPLY INTL INC NEW        COM                249030107       27      920 SH       SOLE                      920        0        0
DEUTSCHE TELEKOM AG                             251566105       22     1252 SH       SOLE                     1252        0        0
THE DIRECTV GROUP INC.                          25459L106      149     6000 SH       DEFINED                     0        0     6000
DISNEY WALT CO               COM DISNEY         254687106      296     8650 SH       SOLE                     8650        0        0
DISNEY WALT CO               COM DISNEY         254687106       68     2000 SH       DEFINED                     0        0     2000
DOMINION RES INC VA NEW      COM                25746U109      199     2378 SH       SOLE                     2378        0        0
DOVER CORP                   COM                260003108      186     3805 SH       SOLE                     3805        0        0
DOW JONES & CO INC           COM                260561105       49     1300 SH       DEFINED                     0        0     1300
DU PONT E I DE NEMOURS & CO  COM                263534109      489    10058 SH       SOLE                    10058        0        0
DU PONT E I DE NEMOURS & CO  COM                263534109       82     1700 SH       DEFINED                   300        0     1400
DUKE ENERGY HOLDING CORP     COM                26441C105      234     7061 SH       SOLE                     6861        0      200
DUKE ENERGY HOLDING CORP     COM                26441C105       83     2500 SH       DEFINED                     0        0     2500
E M C CORP MASS              COM                268648102       98     7464 SH       SOLE                     7464        0        0
E M C CORP MASS              COM                268648102        2      200 SH       DEFINED                   200        0        0
EOG RES INC                  COM                26875P101      129     2070 SH       SOLE                     2070        0        0
EASTERM AMERN NAT GAS TR                        276217106       16      600 SH       SOLE                      600        0        0
EASTMAN CHEM CO              COM                277432100       36      609 SH       SOLE                      609        0        0
EASTMAN KODAK CO             COM                277461109       58     2259 SH       SOLE                     2259        0        0
EASTMAN KODAK CO             COM                277461109      157     6100 SH       DEFINED                     0        0     6100
EATON VANCE CORP COM                            278058102       60      800 SH       SOLE                      800        0        0
EATON VANCE CORP COM                            278058102       97     1300 SH       DEFINED                     0        0     1300
EBAY INC                     COM                278642103      117     3900 SH       DEFINED                     0        0     3900
ECOLAB INC                   COM                278865100       63     1400 SH       SOLE                     1400        0        0
ECOLAB INC                   COM                278865100       18      400 SH       DEFINED                   400        0        0
EDWARDS AG INC               COM                281760108      193     3050 SH       SOLE                     3050        0        0
EL PASO ENERGY CORP DEL      COM                28336L109        9      644 SH       SOLE                      644        0        0
ELECTRONIC ARTS INC          COM                285512109       69     1375 SH       DEFINED                     0        0     1375
ELECTRONIC DATA SYS NEW      COM                285661104        2      100 SH       SOLE                      100        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        3       60 SH       DEFINED                     0        0       60
EMERSON ELEC CO              COM                291011104     2381    54014 SH       SOLE                    50254        0     3760
EMERSON ELEC CO              COM                291011104      136     3106 SH       DEFINED                  3106        0        0


                                       7




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
ENBRIDGE ENERGY PART LP      COM                29250R106        7      150 SH       SOLE                      150        0        0
ADR ENEL SOCIETA AZION                          29265W108       15      300 SH       SOLE                      300        0        0
ENERGY CONVERSION DEV INC                       292659109        3      100 SH       SOLE                      100        0        0
ENERGY EAST CORP             COM                29266M109      103     4165 SH       SOLE                     4165        0        0
ENERGIZER HLDGS INC          COM                29266R108       14      203 SH       SOLE                      203        0        0
ENERGIZER HLDGS INC          COM                29266R108        9      140 SH       DEFINED                     0        0      140
EQUITY FUND                                     294700703       66      600 SH       SOLE                      600        0        0
EQUITY RESIDENTIAL           SH BEN INT         29476L107       10      200 SH       SOLE                      200        0        0
ERICSSON TELEPHONE CO ADR                       294821608       12      320 SH       DEFINED                   320        0        0
EXELON CORP                  COM                30161N101     4679    75616 SH       SOLE                    70231        0     5385
EXELON CORP                  COM                30161N101       78     1275 SH       DEFINED                  1275        0        0
EXPEDIA INC DEL                                 30212P105       85     4100 SH       DEFINED                     0        0     4100
EXPEDITORS INTL WASH INC     COM                302130109       16      400 SH       SOLE                      400        0        0
EXXON MOBIL CORP             COM                30231G102    13252   172940 SH       SOLE                   159268        0    13672
EXXON MOBIL CORP             COM                30231G102     1870    24404 SH       DEFINED                 21308        0     3096
FPL GROUP INC                COM                302571104       40      738 SH       SOLE                      338        0      400
FPL GROUP INC                COM                302571104       28      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       95     1600 SH       SOLE                     1600        0        0
FEDERAL NATIONAL MTGE ASSOC  COM                313586109        2       35 SH       DEFINED                    35        0        0
FEDERATED DEPT STORES INC DE COM                31410H101       30      808 SH       DEFINED                     0        0      808
FEDEX CORP                                      31428X106      268     2474 SH       SOLE                     2474        0        0
FIFTH THIRD BANCORP          COM                316773100      147     3612 SH       SOLE                     3612        0        0
FIRST DATA CORP              COM                319963104       25      995 SH       SOLE                      995        0        0
FIRST HORIZON NATL CORP                         320517105       28      691 SH       SOLE                      691        0        0
FIRST INDUSTRIAL REALTY TRUS COM                32054K103       13      295 SH       SOLE                      295        0        0
FIRST NIAGARA FINL INC                          33582V108       15     1011 SH       SOLE                     1011        0        0
FIRST NIAGARA FINL INC                          33582V108        4      305 SH       DEFINED                   305        0        0
FIRSTENERGY CORP             COM                337932107      204     3396 SH       SOLE                     3316        0       80
FLUOR CORP NEW               COM                343412102        0        5 SH       DEFINED                     5        0        0
FORD MOTOR CO                                   345370860        1      210 SH       SOLE                      110        0      100
FORD MTR CO CAP TR                              345395206        6      200 SH       SOLE                      200        0        0
FOREST LABS INC              COM                345838106       38      769 SH       SOLE                      769        0        0


                                       8




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
FORTUNE BRANDS INC           COM                349631101        0        5 SH       DEFINED                     5        0        0
FRANKLIN RESOURCES INC.                         354613101      128     1165 SH       SOLE                     1165        0        0
FRANKLIN RESOURCES INC.                         354613101        1       18 SH       DEFINED                    18        0        0
GALLAGHER ARTHUR J & CO      COM                363576109       18      639 SH       SOLE                      639        0        0
GANNETT INC                  COM                364730101      231     3828 SH       SOLE                     3828        0        0
GANNETT INC                  COM                364730101       84     1400 SH       DEFINED                     0        0     1400
GENENTECH INC                COM NEW            368710406       43      535 SH       SOLE                      535        0        0
GENENTECH INC                COM NEW            368710406        2       25 SH       DEFINED                    25        0        0
GENERAL ELECTRIC CO          COM                369604103    10985   295303 SH       SOLE                   274308        0    20995
GENERAL ELECTRIC CO          COM                369604103      559    15029 SH       DEFINED                 10829        0     4200
GENERAL MLS INC              COM                370334104       70     1225 SH       SOLE                     1225        0        0
GENERAL MLS INC              COM                370334104       86     1500 SH       DEFINED                     0        0     1500
GENERAL MTRS CORP            COM                370442105       14      488 SH       SOLE                      388        0      100
GENERAL MTRS CORP            COM                370442105        3      100 SH       DEFINED                     0        0      100
GENUINE PARTS CO             COM                372460105       47     1000 SH       SOLE                     1000        0        0
GENUINE PARTS CO             COM                372460105       71     1500 SH       DEFINED                     0        0     1500
GENWORTH FINANCIAL INC                          37247D106        1       40 SH       DEFINED                    40        0        0
GENZYME CORP                 COM                372917104        1       30 SH       SOLE                       30        0        0
GILEAD SCIENCES INC          COM                375558103      230     3555 SH       SOLE                     3555        0        0
GILEAD SCIENCES INC          COM                375558103        1       28 SH       DEFINED                    28        0        0
GLAXO HOLDINGS PLC           SPONSORED ADR      37733W105      166     3150 SH       SOLE                     3150        0        0
GOLDMAN SACHS GROUP INC      COM                38141G104     4552    22838 SH       SOLE                    21848        0      990
GOLDMAN SACHS GROUP INC      COM                38141G104       32      163 SH       DEFINED                   113        0       50
GOOGLE INC                                      38259P508       18       40 SH       SOLE                       40        0        0
GOOGLE INC                                      38259P508      210      458 SH       DEFINED                     8        0      450
GRAINGER W W INC             COM                384802104      153     2200 SH       SOLE                     2200        0        0
GREAT PLAINS ENERGY INC      COM                391164100       66     2100 SH       SOLE                     2100        0        0
HRPT PPTYS TR                COM SH BEN INT     40426W101       17     1433 SH       SOLE                     1433        0        0
HALLIBURTON CO               COM                406216101       26      866 SH       SOLE                      866        0        0
HALLIBURTON CO               COM                406216101        2       96 SH       DEFINED                    96        0        0
JOHN HANCOCK PFD INC FD II                      41013X106       25     1000 SH       SOLE                        0        0     1000
HANESBRANDS INC                                 410345102        7      298 SH       SOLE                      298        0        0
HARDINGE INC                 COM                412324303       13      900 SH       SOLE                      900        0        0


                                       9




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
HARLEY DAVIDSON INC          COM                412822108     2061    29260 SH       SOLE                    26945        0     2315
HARLEY DAVIDSON INC          COM                412822108      105     1500 SH       DEFINED                  1500        0        0
HASBRO INC                   COM                418056107       68     2500 SH       DEFINED                     0        0     2500
HAWAIIAN ELEC INDUSTRIES     COM                419870100       10      400 SH       SOLE                      400        0        0
HEALTH CARE PPTY INVS                           421915109       14      400 SH       SOLE                      400        0        0
HEALTHCARE RLTY TR           COM                421946104       11      291 SH       SOLE                      291        0        0
HEALTH CARE REIT INC         COM                42217K106       16      372 SH       SOLE                      372        0        0
HEALTH NET INC               A                  42222G108       99     2050 SH       DEFINED                     0        0     2050
HEINZ H J CO                 COM                423074103      122     2733 SH       SOLE                     1383        0     1350
HERCULES INC                 COM                427056106        9      500 SH       DEFINED                     0        0      500
THE HERSHEY CO               COM                427866108      169     3400 SH       SOLE                     3400        0        0
HESS CORP                    COM                42809H107      178     3600 SH       DEFINED                     0        0     3600
HEWLETT PACKARD CO           COM                428236103     3192    77530 SH       SOLE                    72944        0     4586
HEWLETT PACKARD CO           COM                428236103      234     5694 SH       DEFINED                  1940        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     4736   117975 SH       SOLE                   111395        0     6580
HOME DEPOT INC               COM                437076102      407    10150 SH       DEFINED                  5600        0     4550
HONEYWELL INTL INC           COM                438516106      141     3135 SH       SOLE                     3005        0      130
HOSPITALITY PROPERTIES       TRUST              44106M102       39      840 SH       SOLE                      840        0        0
HUMANA INC                   COM                444859102      163     2955 SH       SOLE                     2955        0        0
IAC/INTERACTIVE CORP                            44919P300      136     3675 SH       DEFINED                     0        0     3675
ING CLARION GL REAL ESTATE                      44982G104       17      700 SH       SOLE                      700        0        0
ITT INDS INC IND             COM                450911102       11      196 SH       SOLE                      196        0        0
IDEARC INC                   COM                451663108       30     1054 SH       SOLE                      955        0       99
IDEARC INC                   COM                451663108        0        9 SH       DEFINED                     9        0        0
ILLINOIS TOOL WKS INC        COM                452308109     2009    43511 SH       SOLE                    40801        0     2710
ILLINOIS TOOL WKS INC        COM                452308109      110     2400 SH       DEFINED                  2400        0        0
INTEL CORP                   COM                458140100     4612   227758 SH       SOLE                   211873        0    15885
INTEL CORP                   COM                458140100      204    10090 SH       DEFINED                  9490        0      600
INTERNATIONAL BUSINESS MACHS COM                459200101     5384    55429 SH       SOLE                    52692        0     2737
INTERNATIONAL BUSINESS MACHS COM                459200101      238     2450 SH       DEFINED                  1800        0      650
INTERNATIONAL FLAVORS&FRAGRA COM                459506101       14      300 SH       SOLE                      300        0        0
INTERNATIONAL FLAVORS&FRAGRA COM                459506101       49     1000 SH       DEFINED                     0        0     1000


                                       10




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
INTL PAPER CO                COM                460146103       41     1225 SH       SOLE                     1225        0        0
INTL PAPER CO                COM                460146103       71     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     9719   132743 SH       SOLE                   132593        0      150
ISHARES TR MSCI EAFE INDX FD ADR                464287465       73     1000 SH       DEFINED                  1000        0        0
ISHARES TR S& P MIDCAP 400                      464287507     7632    95206 SH       SOLE                    94906        0      300
ISHARES TR S& P MIDCAP 400                      464287507       28      350 SH       DEFINED                   350        0        0
ISHARES RUSSELL 2000         GROWTH INDEX FD    464287648     4262    54244 SH       SOLE                    54044        0      200
ISHARES TR SMALLCAP FD                          464287804       66     1005 SH       SOLE                     1005        0        0
JDS UNIPHASE CORP            COM                46612J507        0       12 SH       SOLE                       12        0        0
JPMORGAN CHASE & CO          COM                46625H100     2954    61185 SH       SOLE                    57620        0     3565
JPMORGAN CHASE & CO          COM                46625H100      387     8015 SH       DEFINED                   820        0     7195
JOHNSON & JOHNSON            COM                478160104     5891    89232 SH       SOLE                    82862        0     6370
JOHNSON & JOHNSON            COM                478160104      489     7410 SH       DEFINED                  5160        0     2250
JOHNSON CTLS INC             COM                478366107      390     4550 SH       SOLE                     4550        0        0
JONES APPAREL GROUP INC      COM                480074103       15      465 SH       SOLE                      465        0        0
KELLOGG CO                   COM                487836108      227     4548 SH       SOLE                     4548        0        0
KEYCORP NEW                  COM                493267108      135     3572 SH       SOLE                     3572        0        0
KEYSPAN CORP                 COM                49337W100        4      100 SH       SOLE                      100        0        0
KIMBERLY CLARK CORP          COM                494368103        6      100 SH       SOLE                      100        0        0
KIMBERLY CLARK CORP          COM                494368103       67     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       87     1826 SH       SOLE                     1826        0        0
KING PHARMACEUTICALS INC                        495582108       82     5160 SH       SOLE                     5160        0        0
KOHLS CORP                   COM                500255104        1       17 SH       DEFINED                    17        0        0
KONINKLIJKE PHILIPS ELECTRS  NV SP ADR          500472303       41     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
L-3 COMMUNICATIONS HLDGS INC COM                502424104      385     4718 SH       SOLE                     4718        0        0
LABORATORY CORP AMER HLDGS   COM NEW            50540R409      655     8926 SH       SOLE                     8926        0        0
LANCASTER COLONY CORP        COM                513847103       46     1050 SH       SOLE                     1050        0        0
LASALLE HOTEL PPTYS                             517942108       13      300 SH       SOLE                      300        0        0
LEGGETT & PLATT INC          COM                524660107      128     5370 SH       SOLE                     5370        0        0


                                       11




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
LEGG MASON INC               COM                524901105        7       75 SH       SOLE                       75        0        0
LEGG MASON INC               COM                524901105        1       20 SH       DEFINED                    20        0        0
LEHMAN BROTHERS HLDGS INC                       524908100      520     6662 SH       SOLE                     6662        0        0
LEXINGTON CORPORATE PROPERTY                    529043101       13      611 SH       SOLE                      611        0        0
LILLY ELI & CO               COM                532457108       96     1856 SH       SOLE                     1856        0        0
LILLY ELI & CO               COM                532457108        0        5 SH       DEFINED                     5        0        0
LIMITED BRANDS INC           COM                532716107      148     5125 SH       SOLE                     5125        0        0
LLOYDS TSB GROUP PLC         SPONSORED ADR      539439109       45     1000 SH       SOLE                     1000        0        0
LOCKHEED MARTIN CORP         COM                539830109      301     3274 SH       SOLE                     3274        0        0
LOWES COS INC                COM                548661107      306     9845 SH       SOLE                     9645        0      200
LOWES COS INC                COM                548661107       12      400 SH       DEFINED                   400        0        0
MGIC INVT CORP WIS           COM                552848103        2       40 SH       SOLE                       40        0        0
MANULIFE FINL CORP           COM                56501R106       59     1774 SH       SOLE                     1774        0        0
MANULIFE FINL CORP           COM                56501R106      120     3554 SH       DEFINED                     0        0     3554
MARATHON OIL CORP                               565849106      157     1700 SH       DEFINED                     0        0     1700
MARSH & MCLENNAN COS INC     COM                571748102       45     1500 SH       DEFINED                     0        0     1500
MARSHALL & ILSLEY CORP       COM                571834100      173     3600 SH       SOLE                     3600        0        0
MARRIOTT INTL INC NEW        CLA                571903202       90     1900 SH       SOLE                      800        0     1100
MARRIOTT INTL INC NEW        CLA                571903202       57     1200 SH       DEFINED                     0        0     1200
MASCO CORPORATION                               574599106       25      850 SH       DEFINED                     0        0      850
MCCORMICK & CO INC           COM NON VTG        579780206      115     3000 SH       DEFINED                     0        0     3000
MCDONALDS CORP               COM                580135101     5056   114082 SH       SOLE                   106516        0     7566
MCDONALDS CORP               COM                580135101      126     2865 SH       DEFINED                  1765        0     1100
MCKESSON CORPORATION         COM                58155Q103       42      832 SH       SOLE                      832        0        0
MEADWESTVACO CORP                               583334107       24      799 SH       SOLE                      799        0        0
MEDCO HEALTH SOLUTIONS       INC                58405U102       43      807 SH       SOLE                      759        0       48
MEDIS TECHNOLOGIES                              58500P107        1      100 SH       SOLE                      100        0        0
MEDTRONIC INC                COM                585055106     3840    71782 SH       SOLE                    67342        0     4440
MEDTRONIC INC                COM                585055106       93     1750 SH       DEFINED                  1750        0        0
MELLON FINL CORP             COM                58551A108       84     2000 SH       DEFINED                     0        0     2000
MERCK & CO INC               COM                589331107      418     9595 SH       SOLE                     5495        0     4100
MERCK & CO INC               COM                589331107       66     1525 SH       DEFINED                    25        0     1500
MERRILL LYNCH & CO INC       COM                590188108      251     2697 SH       SOLE                     2697        0        0
MERRILL LYNCH & CO INC       COM                590188108        6       65 SH       DEFINED                    65        0        0


                                       12




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
METLIFE INC                  COM                59156R108     3836    65015 SH       SOLE                    61620        0     3395
METLIFE INC                  COM                59156R108       41      705 SH       DEFINED                   555        0      150
MICROSOFT CORP               COM                594918104     5793   194020 SH       SOLE                   183940        0    10080
MICROSOFT CORP               COM                594918104      262     8800 SH       DEFINED                  7600        0     1200
MICROCHIP TECHNOLOGY INC     COM                595017104        0      200 SH       SOLE                      200        0        0
MID AMER APT CMNTYS                             59522J103       17      300 SH       SOLE                      300        0        0
MILLIPORE CORP                                  601073109       13      200 SH       SOLE                      200        0        0
MINDSPEED TECHNOLOGIES INC                      602682106        0      200 SH       SOLE                      200        0        0
MITTAL STEEL CO N V          NY REG SH CL A     60684P101        1       25 SH       DEFINED                    25        0        0
MONSANTO CO (NEW)                               61166W101        2       50 SH       SOLE                       50        0        0
MONSANTO CO (NEW)                               61166W101        1       31 SH       DEFINED                    31        0        0
MORGAN STANLEY               DISCOVER & CO      617446448     5046    61977 SH       SOLE                    58382        0     3595
MORGAN STANLEY               DISCOVER & CO      617446448      171     2106 SH       DEFINED                   906        0     1200
MOTOROLA INC                 COM                620076109      184     8995 SH       SOLE                     8995        0        0
MOTOROLA INC                 COM                620076109       41     2000 SH       DEFINED                     0        0     2000
MURPHY OIL CORP              COM                626717102        2       40 SH       SOLE                       40        0        0
MYLAN LABS INC               COM                628530107        8      450 SH       SOLE                      450        0        0
NBT BANCORP INC              COM                628778102      415    16309 SH       SOLE                    16309        0        0
NCR CORP NEW                 COM                62886E108        0       12 SH       SOLE                       12        0        0
NYSE GROUP INC               COM                62949W103        0        6 SH       DEFINED                     6        0        0
NATIONAL CITY CORP           COM                635405103       31      855 SH       SOLE                      855        0        0
NATIONAL CITY CORP           COM                635405103      103     2835 SH       DEFINED                    35        0     2800
NATIONWIDE HEALTH PPTYS INC  COM                638620104       12      428 SH       SOLE                      428        0        0
NATURAL RESOURCE PARTNERS LP                    63900P103       34      600 SH       SOLE                      600        0        0
NETWORK APPLIANCE INC.                          64120L104        1       30 SH       DEFINED                    30        0        0
NEW YORK TIMES CO            CL A               650111107       38     1600 SH       DEFINED                     0        0     1600
NEWELL RUBBERMAID INC        COM                651229106       15      520 SH       SOLE                      520        0        0
NEWELL RUBBERMAID INC        COM                651229106      110     3800 SH       DEFINED                     0        0     3800
NEWMONT MIN CO (HOLD CO)     COM                651639106       90     2000 SH       SOLE                     2000        0        0
NICOR INC                                       654086107       36      773 SH       SOLE                      773        0        0
NIKE INC                     CL B               654106103        8       85 SH       SOLE                       85        0        0
NIKE INC                     CL B               654106103       42      425 SH       DEFINED                     0        0      425
NISOURCE INC                 COM                65473P105       56     2352 SH       SOLE                     2352        0        0


                                       13




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
NOKIA CORP PFD SPONS         ADR                654902204        7      350 SH       SOLE                      200        0      150
NOKIA CORP PFD SPONS         ADR                654902204       51     2545 SH       DEFINED                    45        0     2500
NORDSTROM INC                COM                655664100      215     4360 SH       SOLE                     4360        0        0
NORFOLK SOUTHERN CORP        COM                655844108      176     3510 SH       SOLE                     3510        0        0
NORTHROP GRUMMAN CORP        COM                666807102       67      996 SH       SOLE                      996        0        0
NORTHROP GRUMMAN CORP        COM                666807102        1       20 SH       DEFINED                    20        0        0
NOVARTIS AG                                     66987V109       48      846 SH       SOLE                      846        0        0
NUCOR CORP                   COM                670346105      297     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      263     7135 SH       SOLE                     7135        0        0
NVIDIA CORP                                     67066G104        0       10 SH       DEFINED                    10        0        0
OGE ENERGY CORP              COM                670837103       40     1000 SH       SOLE                     1000        0        0
OCCIDENTAL PETE CORP DEL     COM                674599105      194     3980 SH       SOLE                     3980        0        0
OFFICE DEPOT INC             COM                676220106      163     4280 SH       SOLE                     4280        0        0
OFFICE DEPOT INC             COM                676220106        1       35 SH       DEFINED                    35        0        0
ORACLE CORP                  COM                68389X105      206    12081 SH       SOLE                    12081        0        0
ORACLE CORP                  COM                68389X105       13      770 SH       DEFINED                   770        0        0
OWENS ILL INC                COM NEW            690768403        0       30 SH       DEFINED                    30        0        0
PG&E CORP                    COM                69331C108       30      655 SH       SOLE                      655        0        0
PNC FINL SVCS GROUP INC      COM                693475105     1920    25933 SH       SOLE                    24143        0     1790
PNC FINL SVCS GROUP INC      COM                693475105      118     1600 SH       DEFINED                   150        0     1450
PPG INDS INC                 COM                693506107       79     1240 SH       SOLE                     1240        0        0
PPL CORP                                        69351T106       89     2484 SH       SOLE                     2484        0        0
PACCAR INC                   COM                693718108      531     8195 SH       SOLE                     8195        0        0
PACKAGING CORP AMER          COM                695156109       17      800 SH       SOLE                      800        0        0
PACTIV CORP                  COM                695257105      133     3736 SH       SOLE                     3736        0        0
PALL CORP                    COM                696429307       51     1500 SH       SOLE                     1500        0        0
PALL CORP                    COM                696429307       34     1000 SH       DEFINED                     0        0     1000
PAYCHEX INC                  COM                704326107        3      100 SH       SOLE                      100        0        0
PENGROWTH ENERGY TR UNIT NEW                    706902509        8      500 SH       DEFINED                   500        0        0
PENNEY J C INC               COM                708160106      148     1920 SH       SOLE                     1920        0        0
PEOPLES ENERGY CORP          COM                711030106       18      422 SH       SOLE                      322        0      100


                                       14




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
PEPCO HOLDINGS INC                              713291102       18      724 SH       SOLE                      724        0        0
PEPSICO INC                  COM                713448108     4866    77818 SH       SOLE                    73883        0     3935
PEPSICO INC                  COM                713448108      291     4663 SH       DEFINED                  4663        0        0
PFIZER INC                   COM                717081103     6142   237237 SH       SOLE                   215857        0    21380
PFIZER INC                   COM                717081103      182     7056 SH       DEFINED                  4256        0     2800
PHELPS DODGE CORP            COM                717265102       55      465 SH       SOLE                      465        0        0
PHOENIX COS INC NEW          COM                71902E109        8      517 SH       SOLE                      517        0        0
PIMCO NY MUNI INC FUND III                      72201E105        8      500          SOLE                      500        0        0
PINNACLE WEST CAP CORP       COM                723484101       81     1615 SH       SOLE                     1615        0        0
PIONEER NATURAL RESOURCES CO                    723787107        2       62 SH       SOLE                       62        0        0
PITNEY BOWES INC             COM                724479100      354     7675 SH       SOLE                     7675        0        0
PRAXAIR INC                  COM                74005P104       31      538 SH       SOLE                      188        0      350
PROCTER & GAMBLE CO          COM                742718109     5863    91238 SH       SOLE                    85054        0     6184
PROCTER & GAMBLE CO          COM                742718109      306     4762 SH       DEFINED                  3247        0     1515
PROGRESS ENERGY INC          COM                743263105       23      487 SH       SOLE                      487        0        0
PROGRESSIVE CORP                                743315103      275    11390 SH       SOLE                    11390        0        0
PRUDENTIAL FINL, INC.        COM                744320102      191     2229 SH       SOLE                     2229        0        0
PUBLIC SVC ENTERPRISE GROUP  COM                744573106       45      681 SH       SOLE                      681        0        0
PUGET SOUND ENERGY INC       COM                745310102       83     3311 SH       SOLE                     3311        0        0
PULTE CORP                   COM                745867101       75     2275 SH       DEFINED                     0        0     2275
PUTNAM HIGH YIELD MUN TR     C/C                746781103       14     2022          SOLE                     2022        0        0
QUALCOMM INC                 COM                747525103     1846    48865 SH       SOLE                    45460        0     3405
QUALCOMM INC                 COM                747525103       26      700 SH       DEFINED                   700        0        0
QUEST DIAGNOSTICS INC        COM                74834L100        2       48 SH       SOLE                       48        0        0
QUESTAR CORP                 COM                748356102      132     1600 SH       SOLE                     1600        0        0
QWEST COMM INTL INC                             749121109       10     1203 SH       SOLE                     1203        0        0
QWEST COMM INTL INC                             749121109      274    32850 SH       DEFINED                     0        0    32850
RAYTHEON CO CLASS B          COM                755111507      110     2084 SH       SOLE                     2084        0        0
REGIONS FINL CORP NEW                           7591EP100        7      202 SH       SOLE                      202        0        0
RELIANT ENERGY INC                              75952B105        3      279 SH       DEFINED                   279        0        0
REYNOLDS AMERN INC                              761713106       78     1193 SH       SOLE                      793        0      400
RITE AID CORP                COM                767754104       27     5000 SH       SOLE                     5000        0        0
ROCKWELL INTL CORP NEW       COM                773903109       36      600 SH       SOLE                      600        0        0
ROCKWELL INTL CORP NEW       COM                773903109       30      500 SH       DEFINED                     0        0      500


                                       15




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
ROCKWELL COLLINS INC         COM                774341101       37      600 SH       SOLE                      600        0        0
ROCKWELL COLLINS INC         COM                774341101        0        7 SH       DEFINED                     7        0        0
ROHM & HAAS CO               COM                775371107       61     1200 SH       SOLE                     1200        0        0
ROYAL DUTCH PETE CO                             780259206      408     5775 SH       SOLE                     5775        0        0
RYLAND GROUP INC.                               783764103       27      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
THE ST PAULS TRAVELERS
 COMPANIES INC               COM                792860108      219     4090 SH       SOLE                     4090        0        0
THE ST PAULS TRAVELERS
 COMPANIES INC               COM                792860108       71     1323 SH       DEFINED                    25        0     1298
SANDISK CORP                 COM                80004C101       71     1660 SH       SOLE                     1660        0        0
SARA LEE CORP                COM                803111103       40     2388 SH       SOLE                     2388        0        0
SARA LEE CORP                COM                803111103        1       90 SH       DEFINED                    90        0        0
SCHERING PLOUGH CORP         COM                806605101       69     2950 SH       SOLE                     2150        0      800
SCHLUMBERGER LTD             COM                806857108     4444    70374 SH       SOLE                    66149        0     4225
SCHLUMBERGER LTD             COM                806857108      257     4085 SH       DEFINED                  4085        0        0
SCHWAB CHARLES CORP NEW      COM                808513105        0       20 SH       DEFINED                    20        0        0
SCOTTISH PWR PLC NEW                            81013T804      127     2190 SH       SOLE                     2190        0        0
SEARS HLDGS CORP             COM                812350106      176     1050 SH       DEFINED                     0        0     1050
SELECTIVE INS GRP INC        C/C                816300107       41      719 SH       SOLE                      719        0        0
SEMPRA ENERGY                COM                816851109       70     1250 SH       SOLE                     1250        0        0
SENECA FOODS CORP NEW        CL B               817070105       34     1400 SH       SOLE                     1400        0        0
SENECA FOODS CORP NEW        CL A               817070501       34     1400 SH       SOLE                     1400        0        0
SENIOR HSG PPTYS TR          SH BEN INT         81721M109       11      475 SH       SOLE                      475        0        0
SIGMA ALDRICH CORP           COM                826552101     4186    53870 SH       SOLE                    50575        0     3295
SIGMA ALDRICH CORP           COM                826552101       54      700 SH       DEFINED                   700        0        0
SIMON PPTY GROUP INC NEW                        828806109       46      455 SH       SOLE                      455        0        0
SIMON PPTY GROUP INC NEW                        828806109      113     1122 SH       DEFINED                     0        0     1122
SIRIUS SATELLITE RADIO INC                      82966U103       10     3000 SH       SOLE                     3000        0        0
SKY FINL GROUP INC           COM                83080P103      149     5237 SH       SOLE                     5237        0        0
SKYWORKS SOLUTIONS INC                          83088M102        1      210 SH       SOLE                      210        0        0
SMURFIT-STONE CONTAINER
 CORP                        COM                832727101        0       55 SH       SOLE                       55        0        0
SNAP-ON INC (FORMERLY
 SNAP-ON TOOLS CORP)                            833034101       17      365 SH       SOLE                      365        0        0
SOLECTRON CORP               COM                834182107        0      200 SH       DEFINED                   200        0        0


                                       16




                                                           FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
SOUTHERN CO                  COM                842587107       67     1831 SH       SOLE                     1741        0       90
SOUTHWEST AIRLS CO           COM                844741108        3      200 SH       DEFINED                   200        0        0
SPRINT NEXTEL CORP                              852061100       44     2350 SH       SOLE                     2350        0        0
SPRINT NEXTEL CORP                              852061100      258    13700 SH       DEFINED                   100        0    13600
STAPLES INC                  COM                855030102     2062    77244 SH       SOLE                    71707        0     5537
STAPLES INC                  COM                855030102       70     2625 SH       DEFINED                  2625        0        0
STARBUCKS CORP               COM                855244109       28      800 SH       DEFINED                   800        0        0
STARWOOD HOTELS & RESORTS
 WORLDWIDE INC               COM                85590A401      110     1765 SH       SOLE                     1765        0        0
STARWOOD HOTELS & RESORTS
 WORLDWIDE INC               COM                85590A401        0        6 SH       DEFINED                     6        0        0
STATE STREET CORP            COM                857477103        2       40 SH       SOLE                       40        0        0
STORA ENSO OYJ                                  86210M106        5      357 SH       DEFINED                   357        0        0
STRYKER CORP                                    863667101       55     1000 SH       DEFINED                  1000        0        0
SUFFOLK BANCORP              COM                864739107      123     3244 SH       SOLE                     3244        0        0
SUN MICROSYSTEMS INC         COM                866810104       26     4850 SH       SOLE                     3400        0     1450
SUNTRUST BANKS INC           COM                867914103      185     2200 SH       SOLE                     2200        0        0
SUNTRUST BANKS INC           COM                867914103       92     1100 SH       DEFINED                     0        0     1100
SUPERVALU INC                COM                868536103        5      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       20      675 SH       SOLE                        0        0      675
SYSCO CORP                   COM                871829107       15      428 SH       SOLE                      428        0        0
TD BANKNORTH INC             COM                87235A101        5      163 SH       SOLE                      163        0        0
TECO ENERGY INC                                 872375100       62     3624 SH       SOLE                     2924        0      700
TEPPCO PARTNERS LP                              872384102       28      700 SH       SOLE                      700        0        0
TXU CORP COM                                    873168108      111     2065 SH       SOLE                     2065        0        0
TARGET CORP                  COM                87612E106     4279    75018 SH       SOLE                    70388        0     4630
TARGET CORP                  COM                87612E106      110     1930 SH       DEFINED                  1630        0      300
TELECOM ITALIA SPA ADSNEW                       87927Y102       21      722 SH       SOLE                      722        0        0
TELECOM CORP NEW ZEALAND LTD SPONSORED ADR      879278208       21      815 SH       SOLE                      815        0        0
TELSTRA CORP LTD             SPON ADR FINAL     87969N204       22     1376 SH       SOLE                     1376        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        0       30 SH       DEFINED                    30        0        0


                                       17




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
TEXAS INSTRS INC             COM                882508104     1910    66350 SH       SOLE                    62165        0     4185
TEXAS INSTRS INC             COM                882508104       57     2000 SH       DEFINED                   800        0     1200
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     4092    52513 SH       SOLE                    49333        0     3180
3M COMPANY                   COM                88579Y101      266     3425 SH       DEFINED                  2425        0     1000
TIME WARNER INC              COM                887317105      391    17990 SH       SOLE                    17660        0      330
TIME WARNER INC              COM                887317105      180     8280 SH       DEFINED                   180        0     8100
TOMPKINS TRUSTCO INC                            890110109    43315   953032 SH       SOLE                   934449        0    18583
TOMPKINS TRUSTCO INC                            890110109     2683    59051 SH       DEFINED                 59051        0        0
TORCHMARK CORP               COM                891027104       90     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       13 SH       DEFINED                    13        0        0
TYCO INTL LTD NEW            COM                902124106      234     7700 SH       DEFINED                     0        0     7700
UST INC                      COM                902911106       24      422 SH       SOLE                      322        0      100
US BANCORP DEL               COM NEW            902973304       22      627 SH       SOLE                      627        0        0
UNILEVER PLC AMER            SHS ADR            904767704       32     1179 SH       SOLE                     1179        0        0
UNILEVER N V                 N Y SHS NEW        904784709      143     5252 SH       SOLE                     5252        0        0
UNION PAC CORP               COM                907818108       52      575 SH       SOLE                      575        0        0
UNION PAC CORP               COM                907818108       92     1000 SH       DEFINED                     0        0     1000
UNITED PARCEL SERVICE INC    CL B               911312106     3476    46371 SH       SOLE                    43741        0     2630
UNITED PARCEL SERVICE INC    CL B               911312106       56      750 SH       DEFINED                   750        0        0
UNITED TECHNOLOGIES CORP     COM                913017109     4301    68805 SH       SOLE                    65815        0     2990
UNITED TECHNOLOGIES CORP     COM                913017109       61      981 SH       DEFINED                   831        0      150
UNITED UTILS PLC             SPONSORED ADR      91311Q105       27      889 SH       SOLE                      889        0        0
UNITEDHEALTH GROUP INC                          91324P102     4653    86628 SH       SOLE                    82001        0     4627
UNITEDHEALTH GROUP INC                          91324P102      273     5100 SH       DEFINED                  1225        0     3875
V F CORP                     COM                918204108      167     2040 SH       SOLE                     2040        0        0
VALERO ENERGY CORP NEW       COM                91913Y100       95     1860 SH       SOLE                     1860        0        0
VAN KAMPEN AMERICAN
 CAPITAL MUNICIPAL TRUST                        920919107       22     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE
 MUN                         COM                920929106       21     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       21     1393          SOLE                     1393        0        0


                                       18




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
VECTREN CORP COM                                92240G101       33     1170 SH       SOLE                     1170        0        0
VERIZON COMMUNICATIONS       COM                92343V104      754    20264 SH       SOLE                    18264        0     2000
VERIZON COMMUNICATIONS       COM                92343V104        7      195 SH       DEFINED                   195        0        0
VIACOM INC NEW               CL B               92553P201       25      627 SH       SOLE                      627        0        0
VIACOM INC NEW               CL B               92553P201       36      887 SH       DEFINED                   137        0      750
VODAFONE GROUP PLC NEW                          92857W209        7      280 SH       SOLE                      280        0        0
VOLTERRA SEMICONDUCTER CORP                     928708106       15     1000 SH       SOLE                     1000        0        0
WGL HLDGS INC                                   92924F106       32     1000 SH       SOLE                     1000        0        0
W.P. CAREY & CO LLC                             92930Y107       16      555 SH       SOLE                      555        0        0
WPP GROUP PLC SPONSORED      ADR NEW 9/05       929309409       50      750 SH       DEFINED                     0        0      750
WPS RESOURCES CORP           COM                92931B106       16      300 SH       SOLE                      300        0        0
WACHOVIA CORP 2ND NEW        COM                929903102       94     1653 SH       SOLE                     1653        0        0
WACHOVIA CORP 2ND NEW        COM                929903102       63     1110 SH       DEFINED                    10        0     1100
WAL-MART STORES INC          COM                931142103     2104    45574 SH       SOLE                    42459        0     3115
WAL-MART STORES INC          COM                931142103      247     5350 SH       DEFINED                  5350        0        0
WALGREEN CO                  COM                931422109      202     4409 SH       SOLE                     4409        0        0
WASHINGTON MUT INC           COM                939322103       19      419 SH       SOLE                      419        0        0
WASTE MGMT INC DEL           COM                94106L109      212     5773 SH       SOLE                     5773        0        0
WASTE MGMT INC DEL           COM                94106L109       70     1925 SH       DEFINED                     0        0     1925
WAVE SYSTEMS CORP            COM NEW            943526301        7     3000 SH       SOLE                     3000        0        0
WELLPOINT INC                COM                94973V107      566     7205 SH       SOLE                     7115        0       90
WELLPOINT INC                COM                94973V107        3       47 SH       DEFINED                    47        0        0
WELLS FARGO & CO NEW         COM                949746101     3024    85091 SH       SOLE                    80911        0     4180
WELLS FARGO & CO NEW         COM                949746101       46     1300 SH       DEFINED                  1300        0        0
WESTAR ENERGY INC            COM                95709T100       28     1100 SH       SOLE                     1100        0        0
WESTERN UN CO                COM                959802109       17      795 SH       SOLE                      795        0        0
WEYERHAEUSER CO                                 962166104       23      336 SH       SOLE                      336        0        0
WHIRLPOOL CORP               COM                963320106       90     1095 SH       SOLE                     1095        0        0
WINDSTREAM CORP                                 97381W104        5      413 SH       SOLE                      413        0        0
WINDSTREAM CORP                                 97381W104       20     1447 SH       DEFINED                     0        0     1447
WISCONSIN ENERGY CORP        COM                976657106       15      325 SH       SOLE                      325        0        0
WRIGLEY WM JR CO             COM                982526105        4       94 SH       DEFINED                    94        0        0
WYETH                        COM                983024100      372     7317 SH       SOLE                     7237        0       80
WYETH                        COM                983024100      178     3500 SH       DEFINED                  1500        0     2000


                                       19




                                                           FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
NAME OF ISSUER               TITLE OF CLASS       CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE     SHARED    NONE
---------------------------- -----------------  --------- -------- -------- --- ---- --------  --------     -----   -------   ------
                                                                                             
XM SATELLITE RADIO HLDGS INC CL A               983759101        2      200 SH       SOLE                      200        0        0
XCEL ENERGY INC                                 98389B100       27     1211 SH       SOLE                      611        0      600
XEROX CORP                   COM                984121103       26     1556 SH       SOLE                     1556        0        0
YAHOO INC                    COM                984332106      136     5360 SH       DEFINED                    10        0     5350
ZIONS BANCORPORATION         COM                989701107       49      600 SH       SOLE                        0        0      600

 GRAND TOTALS                                               328502  6827668                                6224101        0   603567


                                       20