UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: DECEMBER 31, 2006
Check here if Amendment [ ]; Amendment Number: ___
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: COMMUNITY BANK N.A.
Address: 5790 WIDEWATERS PARKWAY
DEWITT, NY 13214-1883
Form 13F File Number: 028-11044
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: Kathy Strohmeyer signing for Community Bank Services Inc.
Title: Operations Manager
Phone: 716-633-3800
Signature, Place, and Date of Signing:
KATHY STROHMEYER WILLIAMSVILLE, NY 02/02/07
------------------ ----------------- -----------
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
are reported in this report.
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and
all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
___________________________________- [Repeat as necessary.]
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 344
Form 13F Information Table Value Total: $1279641
(thousands)
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.
[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]
No. Form 13F File Number Name
[Repeat as necessary.]
Form 13F INFORMATION TABLE
FORM 13F INFORMATION TABLE
AS OF 12/31/06
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------------------------------------------------------------------------------------------------------------
FRESH DEL MONTE PRODUCE INC ORD G36738105 2 200 SH SOLE 200 0 0
INGERSOLL RAND LTD G4776G101 36 930 SH SOLE 930 0 0
INGERSOLL RAND LTD G4776G101 51 1320 SH DEFINED 1320 0 0
FLEXTRONICS INTL LTD ORD Y2573F102 13 1200 SH SOLE 1200 0 0
AGL RES INC COM 1204106 7 200 SH SOLE 200 0 0
AES CORP COM 00130H105 18 833 SH DEFINED 833 0 0
AT&T INC COM 00206R102 431 12065 SH SOLE 12065 0 0
AT&T INC COM 00206R102 81 2283 SH DEFINED 2283 0 0
ABBOTT LABS COM 2824100 237 4875 SH SOLE 4875 0 0
ABBOTT LABS COM 2824100 3 75 SH DEFINED 75 0 0
ADVANCED MICRO DEVICES INC COM 7903107 34 1700 SH DEFINED 1700 0 0
AIR PRODS & CHEMS INC COM 9158106 379 5395 SH SOLE 5395 0 0
ALCOA INC COM 13817101 94 3150 SH SOLE 3150 0 0
ALCOA INC COM 13817101 24 800 SH DEFINED 800 0 0
ALCATEL-LUCENT SPONSORED ADR 13904305 781 54935 SH SOLE 54365 0 570
ALCATEL-LUCENT SPONSORED ADR 13904305 33 2361 SH DEFINED 2361 0 0
ALLSTATE CORP COM 20002101 32 500 SH DEFINED 500 0 0
ALLTEL CORP COM 20039103 21 360 SH SOLE 360 0 0
ALLTEL CORP COM 20039103 3 58 SH DEFINED 58 0 0
ALTRIA GROUP INC COM 02209S103 8 97 SH SOLE 0 0 97
ALTRIA GROUP INC COM 02209S103 145 1700 SH DEFINED 1700 0 0
AMERICAN ELEC PWR INC COM 25537101 30 720 SH DEFINED 720 0 0
AMERICAN EXPRESS CO COM 25816109 733 12085 SH SOLE 11910 0 175
AMERICAN EXPRESS CO COM 25816109 45 750 SH DEFINED 750 0 0
AMERICAN INTL GROUP INC COM 26874107 1073 14989 SH SOLE 14989 0 0
AMERICAN INTL GROUP INC COM 26874107 136 1900 SH DEFINED 1900 0 0
AMERICAN STD COS INC DEL COM 29712106 11 250 SH SOLE 250 0 0
AMGEN INC COM 31162100 843 12350 SH SOLE 12175 0 175
AMGEN INC COM 31162100 223 3270 SH DEFINED 3270 0 0
ANALOG DEVICES INC COM 32654105 32 1000 SH SOLE 1000 0 0
ANHEUSER BUSCH COS INC COM 35229103 147 3000 SH SOLE 3000 0 0
APACHE CORP COM 37411105 702 10570 SH SOLE 10445 0 125
APACHE CORP COM 37411105 29 450 SH DEFINED 450 0 0
APPLE COMPUTER INC COM 37833100 1315 15500 SH SOLE 15500 0 0
APPLIED MATLS INC COM 38222105 31 1700 SH SOLE 1700 0 0
AUTOMATIC DATA PROCESSING IN COM 53015103 398 8089 SH SOLE 8089 0 0
AVANEX CORP 05348W109 0 500 SH SOLE 500 0 0
AVAYA INC COM 53499109 2 162 SH SOLE 162 0 0
BJ SVCS CO COM 55482103 619 21120 SH SOLE 20945 0 175
BJ SVCS CO COM 55482103 19 675 SH DEFINED 675 0 0
BP PLC SPONSORED ADR 55622104 881 13144 SH SOLE 13144 0 0
BP PLC SPONSORED ADR 55622104 37 556 SH DEFINED 556 0 0
BANK OF AMERICA CORPORATION COM 60505104 835 15651 SH SOLE 15513 0 138
BANK OF AMERICA CORPORATION COM 60505104 160 3000 SH DEFINED 3000 0 0
BANK NEW YORK INC COM 64057102 778 19786 SH SOLE 19786 0 0
BANK NEW YORK INC COM 64057102 172 4380 SH DEFINED 4380 0 0
BARR PHARMACEUTICALS INC COM 68306109 5 100 SH DEFINED 100 0 0
BAXTER INTL INC COM 71813109 108 2350 SH SOLE 2350 0 0
BED BATH & BEYOND INC COM 75896100 6 165 SH SOLE 165 0 0
BELLSOUTH CORP COM 79860102 643 13655 SH SOLE 13655 0 0
BELLSOUTH CORP COM 79860102 197 4200 SH DEFINED 4200 0 0
BERKSHIRE HATHAWAY INC DEL CL B 84670207 150 41 SH DEFINED 41 0 0
BEST BUY INC COM 86516101 11 225 SH SOLE 225 0 0
BIOGEN IDEC INC COM 09062X103 731 14865 SH SOLE 14765 0 100
BIOGEN IDEC INC COM 09062X103 60 1225 SH DEFINED 1225 0 0
BOEING CO COM 97023105 222 2500 SH SOLE 2500 0 0
BOEING CO COM 97023105 44 500 SH DEFINED 500 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 463 17630 SH SOLE 17630 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 28 1100 SH DEFINED 1100 0 0
BURLINGTON NORTHN SANTA FE C COM 12189T104 671 9100 SH SOLE 8975 0 125
BURLINGTON NORTHN SANTA FE C COM 12189T104 29 400 SH DEFINED 400 0 0
CVS CORP COM 126650100 241 7800 SH SOLE 7800 0 0
CAMECO CORP COM 13321L108 561 13880 SH SOLE 13705 0 175
CAMECO CORP COM 13321L108 24 600 SH DEFINED 600 0 0
CAPITALSOURCE INC 14055X102 2 100 SH DEFINED 100 0 0
CAREMARK RX INC COM 141705103 91 1600 SH DEFINED 1600 0 0
CARNIVAL CORP 143658300 29 600 SH DEFINED 600 0 0
CATERPILLAR INC DEL COM 149123101 39 646 SH SOLE 500 0 146
CATERPILLAR INC DEL COM 149123101 24 400 SH DEFINED 400 0 0
CHESAPEAKE ENERGY CORP COM 165167107 68 2350 SH SOLE 2350 0 0
CHEVRON CORP COM 166764100 734 9984 SH SOLE 9984 0 0
CHEVRON CORP COM 166764100 185 2520 SH DEFINED 2520 0 0
CHUBB CORP COM 171232101 179 3400 SH SOLE 3400 0 0
CIENA CORP COM NEW 171779309 39 1429 SH SOLE 1429 0 0
CISCO SYS INC COM 17275R102 1349 49411 SH SOLE 49011 0 400
CISCO SYS INC COM 17275R102 144 5300 SH DEFINED 5300 0 0
CITIGROUP INC COM 172967101 1476 26513 SH SOLE 26313 0 200
CITIGROUP INC COM 172967101 210 3783 SH DEFINED 3783 0 0
COCA COLA CO COM 191216100 615 12757 SH SOLE 12650 0 107
COCA COLA CO COM 191216100 295 6115 SH DEFINED 6115 0 0
COLGATE PALMOLIVE CO COM 194162103 507 7775 SH SOLE 7775 0 0
COLGATE PALMOLIVE CO COM 194162103 187 2868 SH DEFINED 2868 0 0
COMCAST CORP 20030N101 124 2950 SH SOLE 2950 0 0
COMCAST CORP 20030N101 105 2500 SH DEFINED 2500 0 0
COMMUNITY BK SYS INC COM 203607106 5100 221769 SH SOLE 221769 0 0
COMMUNITY BK SYS INC COM 203607106 812 35320 SH DEFINED 35320 0 0
CONOCOPHILLIPS COM 20825C104 578 8038 SH SOLE 8038 0 0
CONOCOPHILLIPS COM 20825C104 132 1837 SH DEFINED 1837 0 0
CONSOLIDATED EDISON INC COM 209115104 192 4005 SH SOLE 4005 0 0
CONSTELLATION BRANDS INC CL A 21036P108 46 1600 SH SOLE 1600 0 0
CONSTELLATION BRANDS INC CL A 21036P108 90 3106 SH DEFINED 3106 0 0
CONSTELLATION ENERGY GROUP I COM 210371100 27 400 SH SOLE 400 0 0
CORNING INC COM 219350105 89 4792 SH SOLE 4792 0 0
CORNING INC COM 219350105 4 240 SH DEFINED 240 0 0
DARDEN RESTAURANTS INC COM 237194105 260 6480 SH SOLE 6480 0 0
DEAN FOODS CO NEW COM 242370104 35 834 SH SOLE 834 0 0
DELL INC 24702R101 796 31760 SH SOLE 31535 0 225
DELL INC 24702R101 70 2800 SH DEFINED 2800 0 0
DIAMONDS TR UNIT SER 1 252787106 6 53 SH SOLE 0 0 53
DISNEY WALT CO COM DISNEY 254687106 250 7314 SH SOLE 7314 0 0
DISNEY WALT CO COM DISNEY 254687106 51 1500 SH DEFINED 1500 0 0
DOMINION RES INC VA NEW COM 25746U109 83 990 SH SOLE 990 0 0
DOMINION RES INC VA NEW COM 25746U109 12 150 SH DEFINED 150 0 0
DOW CHEM CO COM 260543103 6 173 SH SOLE 173 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 429 8823 SH SOLE 8695 0 128
DU PONT E I DE NEMOURS & CO COM 263534109 58 1200 SH DEFINED 1200 0 0
DUKE ENERGY CORP NEW COM 26441C105 34 1034 SH SOLE 762 0 272
E M C CORP MASS COM 268648102 55 4200 SH SOLE 4200 0 0
ENSCO INTL INC COM 26874Q100 70 1400 SH DEFINED 1400 0 0
EOG RES INC COM 26875P101 12 200 SH DEFINED 200 0 0
EAGLE MATERIALS INC COM 26969P108 7 180 SH SOLE 0 0 180
EASTMAN CHEM CO COM 277432100 6 118 SH DEFINED 118 0 0
EBAY INC COM 278642103 952 31675 SH SOLE 31275 0 400
EBAY INC COM 278642103 41 1375 SH DEFINED 1375 0 0
EL PASO CORP 28336L109 49 3250 SH SOLE 3250 0 0
ELAN PLC ADR 284131208 0 19 SH SOLE 19 0 0
EMERSON ELEC CO COM 291011104 738 16760 SH SOLE 16760 0 0
ENERGY EAST CORP COM 29266M109 17 692 SH SOLE 692 0 0
ENERGY EAST CORP COM 29266M109 9 400 SH DEFINED 400 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 5 200 SH DEFINED 200 0 0
EQUITABLE RES INC COM 294549100 16 400 SH SOLE 400 0 0
EXELON CORP COM 30161N101 12 200 SH SOLE 200 0 0
EXELON CORP COM 30161N101 49 800 SH DEFINED 800 0 0
EXPRESS SCRIPTS INC COM 302182100 28 400 SH DEFINED 400 0 0
EXXON MOBIL CORP COM 30231G102 3179 41489 SH SOLE 41364 0 125
EXXON MOBIL CORP COM 30231G102 431 5630 SH DEFINED 5630 0 0
FPL GROUP INC COM 302571104 48 900 SH SOLE 900 0 0
FEDERAL NATL MTG ASSN COM 313586109 29 500 SH SOLE 500 0 0
FIFTH THIRD BANCORP COM 316773100 28 700 SH SOLE 0 0 700
FIRST DATA CORP COM 319963104 48 1900 SH DEFINED 1900 0 0
FOOT LOCKER INC COM 344849104 25 1140 SH SOLE 1140 0 0
FORD MTR CO DEL COM PAR
$0.01 345370860 21 2805 SH DEFINED 2805 0 0
GANNETT INC COM 364730101 78 1300 SH SOLE 1300 0 0
GENENTECH INC 368710406 812 10015 SH SOLE 9915 0 100
GENENTECH INC 368710406 36 450 SH DEFINED 450 0 0
GENERAL DYNAMICS CORP COM 369550108 14 200 SH SOLE 200 0 0
GENERAL ELEC CO COM 369604103 10385 279167 SH SOLE 278685 0 482
GENERAL ELEC CO COM 369604103 531 14301 SH DEFINED 14301 0 0
GENERAL MLS INC COM 370334104 649 11270 SH SOLE 11270 0 0
GENERAL MLS INC COM 370334104 112 1960 SH DEFINED 1960 0 0
GENUINE PARTS CO COM 372460105 92 1950 SH SOLE 1950 0 0
GLAXOSMITHKLINE PLC SPONSORED
ADR 37733W105 192 3641 SH SOLE 3641 0 0
GOLDCORP INC NEW COM 380956409 6 225 SH DEFINED 225 0 0
HSBC HLDGS PLC ADR A 1/4
0P F A 404280604 50 2000 SH SOLE 2000 0 0
HANCOCK JOHN INVS TR COM 410142103 3 200 SH SOLE 200 0 0
HARSCO CORP 415864107 22 300 SH DEFINED 300 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 130 1400 SH DEFINED 1400 0 0
HEINZ H J CO COM 423074103 236 5250 SH SOLE 5250 0 0
HERSHEY CO COM 427866108 49 1000 SH SOLE 1000 0 0
HEWLETT PACKARD CO COM 428236103 325 7900 SH SOLE 7900 0 0
HEWLETT PACKARD CO COM 428236103 14 360 SH DEFINED 360 0 0
HOME DEPOT INC COM 437076102 1018 25370 SH SOLE 24960 0 410
HOME DEPOT INC COM 437076102 112 2800 SH DEFINED 2800 0 0
HONEYWELL INTL INC COM 438516106 195 4324 SH SOLE 4324 0 0
HUGOTON RTY TR TEX UNIT BEN
INT 444717102 3 150 SH DEFINED 150 0 0
ITT CORP NEW COM 450911102 79 1400 SH DEFINED 1400 0 0
IDEARC INC COM 451663108 1 45 SH SOLE 45 0 0
IDEARC INC COM 451663108 2 94 SH DEFINED 94 0 0
ILLINOIS TOOL WKS INC COM 452308109 459 9950 SH SOLE 9950 0 0
INTEL CORP COM 458140100 346 17125 SH SOLE 17125 0 0
INTEL CORP COM 458140100 226 11200 SH DEFINED 11200 0 0
INTL BUSINESS MACH COM 459200101 1134 11678 SH SOLE 11615 0 63
INTL BUSINESS MACH COM 459200101 346 3567 SH DEFINED 3567 0 0
INTERNATIONAL GAME TECHNOLOG COM 459902102 10 225 SH SOLE 225 0 0
INTERNATIONAL RECTIFIER CORP COM 460254105 38 1000 SH DEFINED 1000 0 0
ISHARES INC MSCI
AUSTRALIA 464286103 5 225 SH DEFINED 225 0 0
ISHARES INC MSCI CDA
INDEX 464286509 1015 40140 SH SOLE 40140 0 0
ISHARES INC MSCI CDA
INDEX 464286509 36 1450 SH DEFINED 1450 0 0
ISHARES INC MSCI PAC
J IDX 464286665 31 250 SH SOLE 250 0 0
ISHARES INC MSCI PAC
J IDX 464286665 6 50 SH DEFINED 50 0 0
ISHARES INC MSCI JAPAN 464286848 3 250 SH DEFINED 250 0 0
ISHARES TR DJ SEL DIV
INX 464287168 1929 27275 SH SOLE 27275 0 0
ISHARES TR DJ SEL DIV
INX 464287168 106 1500 SH DEFINED 1500 0 0
I SHARES TR S&P 500 INDEX FD 464287200 7 50 SH SOLE 0 0 50
I SHARES MSCI EMERGING MKTS INDEX FUND 464287234 2045 17920 SH SOLE 17920 0 0
I SHARES MSCI EMERGING MKTS INDEX FUND 464287234 91 800 SH DEFINED 800 0 0
ISHARES TR S&P GBL HLT
HCR 464287325 737 12890 SH SOLE 12790 0 100
ISHARES TR S&P GBL HLT
HCR 464287325 20 350 SH DEFINED 350 0 0
I SHARES MSCI EAFE 464287465 7302 99740 SH SOLE 99740 0 0
I SHARES MSCI EAFE 464287465 265 3620 SH DEFINED 3620 0 0
I SHARES RUSSELL 1000 VALUE 464287598 6324 76475 SH SOLE 74675 0 1800
I SHARES RUSSELL 1000 VALUE 464287598 342 4140 SH DEFINED 4140 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX
FUND 464287614 2594 47150 SH SOLE 46650 0 500
ISHARES TR RUSSELL 1000 GROWTH INDEX
FUND 464287614 143 2600 SH DEFINED 2600 0 0
ISHARES TR S&P SMLCAP
600 464287804 5952 90205 SH SOLE 89505 0 700
ISHARES TR S&P SMLCAP
600 464287804 258 3910 SH DEFINED 3910 0 0
JDS UNIPHASE CORP COM PAR
$ 01 46612J507 41 2500 SH SOLE 2500 0 0
JP MORGAN CHASE & CO COM 46625H100 1050 21756 SH SOLE 21756 0 0
JP MORGAN CHASE & CO COM 46625H100 37 773 SH DEFINED 773 0 0
JOHNSON & JOHNSON COM 478160104 1556 23575 SH SOLE 23425 0 150
JOHNSON & JOHNSON COM 478160104 353 5350 SH DEFINED 5350 0 0
KELLOGG CO COM 487836108 25 500 SH SOLE 500 0 0
KEYCORP NEW COM 493267108 76 2010 SH SOLE 2010 0 0
KIMBERLY CLARK CORP COM 494368103 54 800 SH DEFINED 800 0 0
KINDER MORGAN ENERGY PARTNER UT LTD
PARTNER 494550106 7 150 SH DEFINED 150 0 0
KRAFT FOODS INC CL A 50075N104 53 1500 SH DEFINED 1500 0 0
L-3 COMMUNICATIONS HLDGS INC COM 502424104 10 125 SH DEFINED 125 0 0
LAKE SHORE BANCORP INC COM 510700107 26 2090 SH SOLE 2090 0 0
LILLY ELI & CO COM 532457108 166 3200 SH SOLE 3200 0 0
LILLY ELI & CO COM 532457108 46 900 SH DEFINED 900 0 0
LINCOLN NATL CORP IND COM 534187109 293 4416 SH SOLE 4416 0 0
LINCOLN NATL CORP IND COM 534187109 112 1700 SH DEFINED 1700 0 0
LOCKHEED MARTIN CORP COM 539830109 124 1350 SH SOLE 1350 0 0
LOCKHEED MARTIN CORP COM 539830109 92 1000 SH DEFINED 1000 0 0
LOWES COS INC COM 548661107 100 3230 SH SOLE 3230 0 0
M & T BK CORP COM 55261F104 12 100 SH SOLE 100 0 0
MANULIFE FINL CORP COM 56501R106 120 3572 SH SOLE 3572 0 0
MARATHON OIL CORP 565849106 16 180 SH SOLE 180 0 0
MARRIOTT INTL INC NEW CL A 571903202 443 9295 SH SOLE 9195 0 100
MARRIOTT INTL INC NEW CL A 571903202 20 425 SH DEFINED 425 0 0
MASCO CORP COM 574599106 51 1725 SH SOLE 1725 0 0
MASCO CORP COM 574599106 62 2100 SH DEFINED 2100 0 0
MCDONALDS CORP COM 580135101 19 450 SH SOLE 450 0 0
MEDCO HEALTH SOLUTIONS INC 58405U102 685 12838 SH SOLE 12713 0 125
MEDCO HEALTH SOLUTIONS INC 58405U102 26 500 SH DEFINED 500 0 0
MEDTRONIC INC COM 585055106 522 9775 SH SOLE 9775 0 0
MEDTRONIC INC COM 585055106 230 4300 SH DEFINED 4300 0 0
MERCK & CO INC COM 589331107 358 8216 SH SOLE 8100 0 116
MERCK & CO INC COM 589331107 333 7650 SH DEFINED 7650 0 0
MICROSOFT CORP COM 594918104 904 30280 SH SOLE 30280 0 0
MICROSOFT CORP COM 594918104 355 11900 SH DEFINED 11900 0 0
MIDCAP SPDR TR UNIT SER 1 595635103 6855 46845 SH SOLE 45845 0 1000
MIDCAP SPDR TR UNIT SER 1 595635103 297 2035 SH DEFINED 2035 0 0
MORGAN STANLEY COM NEW 617446448 89 1103 SH SOLE 1000 0 103
MORGAN STANLEY COM NEW 617446448 89 1100 SH DEFINED 1100 0 0
MOTOROLA INC COM 620076109 212 10350 SH SOLE 10350 0 0
MYLAN LABS INC COM 628530107 4 225 SH SOLE 225 0 0
NBT BANCORP INC COM 628778102 15 600 SH SOLE 600 0 0
NATIONAL FUEL GAS CO N J COM 636180101 67 1760 SH DEFINED 1760 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 7 475 SH DEFINED 475 0 0
NEWELL RUBBERMAID INC COM 651229106 49 1700 SH DEFINED 1700 0 0
NOKIA CORP SPONSORED ADR 654902204 5 250 SH SOLE 250 0 0
NORFOLK SOUTHERN CORP COM 655844108 86 1725 SH SOLE 1725 0 0
NUCOR CORP COM 670346105 21 400 SH SOLE 400 0 0
NUVEEN PREFERRED AND CONVERTIBLE
INCOME 67073B106 14 1000 SH SOLE 1000 0 0
OGE ENERGY CORP COM 670837103 24 600 SH DEFINED 600 0 0
NUVEEN MUN VALUE FD INC COM 670928100 41 4000 SOLE 4000 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 48 1000 SH SOLE 1000 0 0
OMNICOM GROUP INC COM 681919106 23 225 SH SOLE 225 0 0
ORACLE CORP COM 68389X105 85 4980 SH SOLE 4980 0 0
PNC FINL SVCS GROUP INC COM 693475105 55 750 SH SOLE 750 0 0
PNC FINL SVCS GROUP INC COM 693475105 11 150 SH DEFINED 150 0 0
PPG INDS INC COM 693506107 138 2150 SH SOLE 2150 0 0
PPL CORP COM 69351T106 327 9130 SH SOLE 9130 0 0
PAYCHEX INC COM 704326107 98 2500 SH SOLE 2500 0 0
PAYCHEX INC COM 704326107 12 312 SH DEFINED 312 0 0
PENNEY J C INC COM 708160106 46 600 SH SOLE 600 0 0
PEPSICO INC COM 713448108 802 12835 SH SOLE 12835 0 0
PEPSICO INC COM 713448108 218 3500 SH DEFINED 3500 0 0
PETSMART INC COM 716768106 51 1800 SH DEFINED 1800 0 0
PFIZER INC COM 717081103 1091 42145 SH SOLE 41718 0 427
PFIZER INC COM 717081103 222 8600 SH DEFINED 8600 0 0
PINNACLE WEST CPTLCORP 723484101 188 3725 SH SOLE 3725 0 0
PITNEY BOWES INC COM 724479100 83 1800 SH SOLE 1800 0 0
PLUM CREEK TIMBER CO INC COM 729251108 11 280 SH SOLE 280 0 0
PLUM CREEK TIMBER CO INC COM 729251108 68 1724 SH DEFINED 1724 0 0
POWERSHARES ETF TRUST WATER
RESOURCE 73935X575 812 44150 SH SOLE 42775 0 1375
POWERSHARES ETF TRUST WATER
RESOURCE 73935X575 29 1625 SH DEFINED 1625 0 0
POWERSHARES ETF TRUST FTSE RAFI 10 73935X583 1987 34250 SH SOLE 33350 0 900
POWERSHARES ETF TRUST FTSE RAFI 10 73935X583 63 1100 SH DEFINED 1100 0 0
POWERSHARES ETF TRUST INTL DIV AC HV 73935X716 7 400 SH SOLE 400 0 0
PRAXAIR INC COM 74005P104 6 108 SH SOLE 108 0 0
PROCTER & GAMBLE CO COM 742718109 1773 27600 SH SOLE 27350 0 250
PROCTER & GAMBLE CO COM 742718109 166 2597 SH DEFINED 2597 0 0
PROGRESS ENERGY INC COM 743263105 85 1748 SH SOLE 1748 0 0
PROGRESS ENERGY INC COM 743263105 4 100 SH DEFINED 100 0 0
PROGRESSIVE CORP OHIO COM 743315103 9 400 SH SOLE 400 0 0
QUALCOMM INC COM 747525103 780 20650 SH SOLE 20650 0 0
QUALCOMM INC COM 747525103 57 1525 SH DEFINED 1525 0 0
QWEST COMMUNICATIONS INTL IN COM 749121109 0 27 SH SOLE 27 0 0
RAYTHEON CO COM NEW 755111507 26 500 SH SOLE 500 0 0
ROCKWELL COLLINS INC 774341101 9 150 SH SOLE 150 0 0
ROSS STORES INC COM 778296103 52 1800 SH DEFINED 1800 0 0
ROYAL BK SCOTLAND GROUP PLC ADR PFD SERP 780097762 81 3200 SH SOLE 3200 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 740 10460 SH SOLE 10460 0 0
SPDR TR UNIT SER 1 78462F103 2098 14815 SH SOLE 14815 0 0
ST JUDE MED INC COM 790849103 660 18055 SH SOLE 17855 0 200
ST JUDE MED INC COM 790849103 27 750 SH DEFINED 750 0 0
ST PAUL TRAVELERS INC COM 792860108 96 1800 SH DEFINED 1800 0 0
SCHERING PLOUGH CORP COM 806605101 368 15604 SH SOLE 15300 0 304
SCHERING PLOUGH CORP COM 806605101 47 2000 SH DEFINED 2000 0 0
SCHLUMBERGER LTD 806857108 836 13250 SH SOLE 13250 0 0
SELECT SECTOR SPDR TR SBI INT-F INL 81369Y605 1277 34770 SH SOLE 33670 0 1100
SELECT SECTOR SPDR TR SBI INT-F INL 81369Y605 42 1150 SH DEFINED 1150 0 0
SELECT SECTOR SPDR TR SBI INT-T ECH 81369Y803 1048 45100 SH SOLE 43475 0 1625
SELECT SECTOR SPDR TR SBI INT-T ECH 81369Y803 54 2350 SH DEFINED 2350 0 0
SOUTHERN CO COM 842587107 155 4227 SH SOLE 4036 0 191
SOUTHERN CO COM 842587107 66 1800 SH DEFINED 1800 0 0
STAPLES INCORPORATED 855030102 16 600 SH SOLE 600 0 0
STAPLES INCORPORATED 855030102 88 3300 SH DEFINED 3300 0 0
STERIS CORP COM 859152100 4 184 SH SOLE 184 0 0
STREETTRACKS GOLD TR GOLD SHS 863307104 11 175 SH DEFINED 175 0 0
STRYKER CORP COM 863667101 6 110 SH SOLE 110 0 0
STRYKER CORP COM 863667101 4 75 SH DEFINED 75 0 0
SYMANTEC CORP COM 871503108 45 2205 SH SOLE 2205 0 0
SYSCO CORP COM 871829107 100 2725 SH SOLE 2725 0 0
SYSCO CORP COM 871829107 36 1000 SH DEFINED 1000 0 0
TCW CONV SECS FD INC COM 872340104 17 3480 SH SOLE 3480 0 0
TARGET CORP COM 87612E103 299 5250 SH SOLE 5250 0 0
TELECOM HLDRS TR DEPOSITRY RCPT 87927P200 7 200 SH DEFINED 200 0 0
TELLABS INC COM 879664100 3 300 SH SOLE 300 0 0
TEXAS INSTRS INC COM 882508104 782 27170 SH SOLE 26820 0 350
TEXAS INSTRS INC COM 882508104 31 1100 SH DEFINED 1100 0 0
3M CO COM 88579Y101 70 900 SH SOLE 900 0 0
3M CO COM 88579Y101 187 2400 SH DEFINED 2400 0 0
TIME WARNER INC COM 887317105 32 1500 SH SOLE 1500 0 0
TOLL BROTHERS INC COM 889478103 64 2000 SH DEFINED 2000 0 0
TOMPKINSTRUSTCO INC COM 890110109 138 3037 SH SOLE 3037 0 0
TRUSTCO BK CORP N Y COM 898349105 9 842 SH DEFINED 842 0 0
TYCO INTL LTD NEW COM 902124106 60 2000 SH SOLE 2000 0 0
UNION PAC CORP COM 907818108 192 2090 SH SOLE 2090 0 0
UNITED PARCEL SERVICE INC CL B 911312106 94 1260 SH SOLE 1260 0 0
UNITED PARCEL SERVICE INC CL B 911312106 104 1400 SH DEFINED 1400 0 0
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