UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/2006
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
Institutional Investment Manager Filing this Report:
Name: TRUSTCO BANK
Address: 3 SARNOWSKI DRIVE
GLENVILLE, NY 12302
13F File Number: 28-10307
The Institutional Investment Manager filing this report and the person by
whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true,
correct and complete, and that it is understood that all required items,
statements, schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Richard W. Provost
Title: Trust Officer
Phone: 518-381-3699
Signature, Place, and Date of Signing:
10/11/2006
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F COMBINATION REPORT
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
AT&T INC COMMON STOCK 00206R102 821 25223 SH DEFINED 25223
00206R102 393 12071 SH DEF/OTH 7996
4075
ABBOTT COMMON STOCK 002824100 2234 46002 SH DEFINED 43302
500
2200
LABORATORIES
002824100 419 8626 SH DEF/OTH 4826
2800
1000
AIR PRODUCTS & COMMON STOCK 009158106 779 11740 SH DEFINED 11740
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 649 23150 SH DEFINED 22850
200
100
013817101 25 900 SH DEF/OTH 600
300
ALLSTATE CORP COMMON STOCK 020002101 1499 23892 SH DEFINED 23892
020002101 120 1908 SH DEF/OTH 970
838
100
ALTRIA GROUP INC COMMON STOCK 02209S103 67 870 SH DEFINED 870
02209S103 3330 43500 SH DEF/OTH 38000
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1706 30415 SH DEFINED 28715
200
1500
CO
025816109 451 8034 SH DEF/OTH 6734
1300
COLUMN TOTALS 12493
Page 1
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
AMGEN INC COMMON STOCK 031162100 832 11632 SH DEFINED 11382
150
100
031162100 122 1700 SH DEF/OTH 800
600
300
ANHEUSER BUSCH COMMON STOCK 035229103 685 14421 SH DEFINED 13621
800
COS INC
035229103 152 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 390 22000 SH DEFINED 18800
3200
MATERIALS INC
038222105 4 200 SH DEF/OTH 200
ARGONAUT GROUP COMMON STOCK 040157109 1668 53747 SH DEFINED 53747
INC
AUTOMATIC DATA COMMON STOCK 053015103 766 16175 SH DEFINED 14675
1500
PROCESSING INC
053015103 62 1300 SH DEF/OTH 500
700
100
BP PLC FOREIGN STOCK 055622104 2626 40048 SH DEFINED 35748
3100
1200
055622104 828 12633 SH DEF/OTH 8829
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 191 2800 SH DEFINED 2800
COLUMN TOTALS 8326
Page 2
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
057224107 27 400 SH DEF/OTH 100
300
BANK OF AMERICA COMMON STOCK 060505104 2263 42249 SH DEFINED 41249
1000
CORP
060505104 1244 23229 SH DEF/OTH 18975
3654
600
BANK OF NEW YORK COMMON STOCK 064057102 631 17900 SH DEFINED 17900
INC
BELLSOUTH CORP COMMON STOCK 079860102 1136 26581 SH DEFINED 26581
079860102 343 8025 SH DEF/OTH 3880
3945
200
BRISTOL-MYERS COMMON STOCK 110122108 168 6750 SH DEFINED 3150
3600
SQUIBB CO
110122108 294 11800 SH DEF/OTH 3200
8600
CHEVRON CORP NEW COMMON STOCK 166764100 2767 42658 SH DEFINED 39558
700
2400
166764100 892 13747 SH DEF/OTH 11260
1687
800
CISCO SYSTEMS INC COMMON STOCK 17275R102 2161 94035 SH DEFINED 92835
600
600
17275R102 69 3000 SH DEF/OTH 1300
1200
500
COLUMN TOTALS 11995
Page 3
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
CITIGROUP INC COMMON STOCK 172967101 3299 66417 SH DEFINED 65417
1000
172967101 224 4500 SH DEF/OTH 1200
2700
600
COCA COLA CO COMMON STOCK 191216100 3050 68267 SH DEFINED 67367
900
191216100 554 12400 SH DEF/OTH 8200
4200
COLGATE COMMON STOCK 194162103 2128 34261 SH DEFINED 33661
600
PALMOLIVE CO
194162103 261 4200 SH DEF/OTH 300
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 1953 64352 SH DEFINED 64352
CORP
DELL INC COMMON STOCK 24702R101 265 11600 SH DEFINED 11500
100
24702R101 37 1600 SH DEF/OTH 700
600
300
DISNEY WALT CO COMMON STOCK 254687106 1820 58883 SH DEFINED 56183
300
2400
254687106 235 7600 SH DEF/OTH 4500
3000
100
DOMINION COMMON STOCK 25746U109 42 543 SH DEFINED 543
RESOURCES INC VA
NEW
COLUMN TOTALS 13868
Page 4
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
25746U109 245 3209 SH DEF/OTH 3088
121
DOW CHEMICAL CO COMMON STOCK 260543103 364 9350 SH DEFINED 8450
900
260543103 130 3325 SH DEF/OTH 2225
1100
DU PONT E I DE COMMON STOCK 263534109 933 21776 SH DEFINED 18190
1686
1900
NEMOURS & CO
263534109 138 3210 SH DEF/OTH 460
2450
300
ECOLAB INC COMMON STOCK 278865100 270 6300 SH DEFINED 5300
1000
278865100 17 400 SH DEF/OTH 400
EMERSON ELECTRIC COMMON STOCK 291011104 319 3800 SH DEFINED 3500
100
200
CO
291011104 268 3200 SH DEF/OTH 500
2700
EXCELSIOR TAX MUTUAL 300861408 168 19443 SH DEFINED 19443
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 705 11650 SH DEFINED 11050
600
30161N101 120 1990 SH DEF/OTH 1490
500
EXXON MOBIL CORP COMMON STOCK 30231G102 11134 165938 SH DEFINED 146690
15084
4164
COLUMN TOTALS 14811
Page 5
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
30231G102 2586 38537 SH DEF/OTH 20256
14925
3356
FPL GROUP INC COMMON STOCK 302571104 579 12868 SH DEFINED 12868
FORTUNE BRANDS COMMON STOCK 349631101 759 10100 SH DEFINED 9700
200
200
INC
349631101 255 3400 SH DEF/OTH 2800
500
100
FRANKLIN N Y TAX MUTUAL 354130106 45 3782 SH DEFINED 3782
FREE INCOME FUNDS/MUNI
BONDS
354130106 144 12191 SH DEF/OTH 12191
GENERAL ELECTRIC COMMON STOCK 369604103 29009 821775 SH DEFINED 776726
34389
10660
CO
369604103 10736 304130 SH DEF/OTH 223069
67061
14000
GENERAL MILLS INC COMMON STOCK 370334104 409 7233 SH DEFINED 6333
700
200
370334104 243 4300 SH DEF/OTH 4100
200
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 450 8450 SH DEFINED 7750
700
PLC
COLUMN TOTALS 45215
Page 6
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
37733W105 230 4327 SH DEF/OTH 3227
1100
HEWLETT PACKARD COMMON STOCK 428236103 468 12747 SH DEFINED 12747
CO
428236103 95 2600 SH DEF/OTH 2600
HOME DEPOT INC COMMON STOCK 437076102 767 21137 SH DEFINED 19237
400
1500
437076102 61 1675 SH DEF/OTH 675
600
400
INTEL CORP COMMON STOCK 458140100 2532 123082 SH DEFINED 120382
100
2600
458140100 148 7200 SH DEF/OTH 4200
2500
500
INTERNATIONAL COMMON STOCK 459200101 3266 39857 SH DEFINED 38857
1000
BUSINESS MACHINES
459200101 320 3900 SH DEF/OTH 400
3500
JPMORGAN CHASE & COMMON STOCK 46625H100 1716 36543 SH DEFINED 35115
1164
264
CO
46625H100 541 11516 SH DEF/OTH 7750
3766
JOHNSON & JOHNSON COMMON STOCK 478160104 6578 101287 SH DEFINED 98287
3000
COLUMN TOTALS 16722
Page 7
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
478160104 677 10425 SH DEF/OTH 5975
3200
1250
JOHNSON CONTROLS COMMON STOCK 478366107 405 5650 SH DEFINED 5650
INC
478366107 97 1350 SH DEF/OTH 300
1000
50
KEYCORP COMMON STOCK 493267108 2533 67661 SH DEFINED 67661
LILLY ELI & CO COMMON STOCK 532457108 798 14000 SH DEFINED 13100
900
532457108 34 600 SH DEF/OTH 300
300
LINCOLN NATIONAL COMMON STOCK 534187109 391 6293 SH DEFINED 6293
CORP IN
534187109 192 3100 SH DEF/OTH 3100
LOWES COS INC COMMON STOCK 548661107 603 21500 SH DEFINED 21500
548661107 72 2550 SH DEF/OTH 750
1400
400
MASCO CORP COMMON STOCK 574599106 409 14900 SH DEFINED 13800
1100
574599106 58 2100 SH DEF/OTH 1000
900
200
MCGRAW HILL COS COMMON STOCK 580645109 592 10200 SH DEFINED 10200
INC
580645109 58 1000 SH DEF/OTH 600
400
COLUMN TOTALS 6919
Page 8
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
MEDTRONIC INC COMMON STOCK 585055106 2739 58976 SH DEFINED 51476
700
6800
585055106 42 900 SH DEF/OTH 300
300
300
MICROSOFT CORP COMMON STOCK 594918104 5460 199645 SH DEFINED 188145
900
10600
594918104 695 25400 SH DEF/OTH 21500
3000
900
MOTOROLA INC COMMON STOCK 620076109 525 20995 SH DEFINED 20195
200
600
620076109 98 3900 SH DEF/OTH 3300
600
NBT BANCORP INC COMMON STOCK 628778102 562 24158 SH DEFINED 672
23486
NASDAQ 100 TRUST MUTUAL 631100104 1118 27500 SH DEF/OTH 22000
5500
FUND/STOCK
PEPSICO INC COMMON STOCK 713448108 4611 70660 SH DEFINED 68310
1250
1100
713448108 463 7100 SH DEF/OTH 2300
4500
300
PFIZER INC COMMON STOCK 717081103 1136 40067 SH DEFINED 37167
800
2100
COLUMN TOTALS 17449
Page 9
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
717081103 290 10226 SH DEF/OTH 3466
6760
PROCTER & GAMBLE COMMON STOCK 742718109 6205 100113 SH DEFINED 96023
890
3200
CO
742718109 955 15403 SH DEF/OTH 3700
10308
1395
ROCHESTER FUND MUTUAL 771362100 235 12559 SH DEFINED 12559
MUNICIPALS INC FUNDS/MUNI
BONDS
771362100 159 8490 SH DEF/OTH 5610
2880
SCHERING PLOUGH COMMON STOCK 806605101 384 17400 SH DEFINED 13100
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 406 6550 SH DEFINED 5650
200
700
806857108 12 200 SH DEF/OTH 200
SOUTHERN CO COMMON STOCK 842587107 2752 79858 SH DEFINED 78058
1500
300
842587107 193 5600 SH DEF/OTH 1500
3300
800
STANLEY WORKS COMMON STOCK 854616109 206 4132 SH DEFINED 4132
TARGET CORP COMMON STOCK 87612E106 1378 24950 SH DEFINED 24050
200
700
COLUMN TOTALS 13175
Page 10
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
87612E106 99 1800 SH DEF/OTH 600
1100
100
TEXAS COMMON STOCK 882508104 417 12550 SH DEFINED 12550
INSTRUMENTS INC
882508104 10 300 SH DEF/OTH 300
3M CO COMMON STOCK 88579Y101 1433 19250 SH DEFINED 19250
88579Y101 538 7230 SH DEF/OTH 400
6650
180
TRUSTCO BANK COMMON STOCK 898349105 10793 995620 SH DEFINED 732474
91519
171627
CORP NY
898349105 7476 689653 SH DEF/OTH 618049
37304
34300
UNITED PARCEL COMMON STOCK 911312106 585 8125 SH DEFINED 7725
400
SERVICE
911312106 11 150 SH DEF/OTH 100
50
UNITED COMMON STOCK 913017109 3600 56820 SH DEFINED 51620
400
4800
TECHNOLOGIES CORP
913017109 247 3900 SH DEF/OTH 1900
1400
600
UNITRIN INC COMMON STOCK 913275103 9963 225568 SH DEFINED 225568
COLUMN TOTALS 35172
Page 11
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
VANGUARD MUTUAL 922021308 187 16939 SH DEFINED 16939
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 173 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
VANGUARD NEW MUTUAL 92204H301 2335 206296 SH DEFINED 206296
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 390 34457 SH DEF/OTH 33120
1337
VERIZON COMMON STOCK 92343V104 1462 39386 SH DEFINED 37786
1400
200
COMMUNICATIONS
INC
92343V104 464 12504 SH DEF/OTH 6730
5574
200
WAL-MART STORES COMMON STOCK 931142103 1772 35925 SH DEFINED 34925
1000
INC
931142103 197 4000 SH DEF/OTH 3600
200
200
WASHINGTON COMMON STOCK 939322103 427 9815 SH DEFINED 9115
700
MUTUAL INC
939322103 61 1400 SH DEF/OTH 200
1200
WELLS FARGO & CO COMMON STOCK 949746101 1992 55050 SH DEFINED 54250
800
COLUMN TOTALS 9460
Page 12
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
NEW
949746101 221 6100 SH DEF/OTH 1600
3500
1000
WYETH COMMON STOCK 983024100 498 9800 SH DEFINED 9800
983024100 143 2815 SH DEF/OTH 1415
1400
COLUMN TOTALS 862
AGGREGATE TOTAL 206467
Page 13
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 148
Form 13F Information Table Value Total: $ 206,467
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment Managers with respect to which this report is filed,
other than the Manager filing this report.
NONE
Page 14