SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED) July 28, 2004 TOMPKINS TRUSTCO, INC. ------------------------------------------------------ (Exact name of registrant as specified in its charter) New York 1-12709 16-1482357 --------------- ------------------------ ------------------- (State or other (Commission File Number) (IRS Employer jurisdiction of Identification No.) incorporation) The Commons, PO Box 460, Ithaca, NY 14851 ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (607) 273-3210 -------------- Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last report) Item 7. Financial Statements and Exhibits. (a) Not applicable. (b) Not applicable. (c) Exhibits Exhibit No. Description ----------- ----------- 99.1 Press Release of Tompkins Trustco, Inc. dated July 28, 2004. Item 12. Results of Operations and Financial Condition On July 28, 2004, the Company issued a press release announcing its earnings for the calendar quarter ended June 30, 2004. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. TOMPKINS TRUSTCO, INC. Date: July 28, 2004 By: /s/ JAMES J. BYRNES ----------------------------- James J. Byrnes Chairman and Chief Executive Officer INDEX TO EXHIBITS EXHIBIT NUMBER EXHIBIT DESCRIPTION PAGE ------ ------------------- ---- 99.1 Press Release of Tompkins Trustco, Inc. dated July 28, 2004.