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       34      600 SH       SOLE                      600        0        0
ASPEN INSURANCE HOLDING USD                     G05384105        7      300 SH       SOLE                      300        0        0
COOPER INDUSTRIES LTD       CLASS A             G24182100       68     1520 SH       SOLE                     1520        0        0
FOSTER WHEELER LTD                              G36535139       66     1137 SH       SOLE                     1137        0        0
GARMIN CORP                                     G37260109       54     1000 SH       DEFINED                  1000        0        0
INGERSOLL-RAND CO           COM                 G4776G101      183     4235 SH       SOLE                     4235        0        0
INGERSOLL-RAND CO           COM                 G4776G101        1       25 SH       DEFINED                    25        0        0
LAZARD LTD                                      G54050102        0       10 SH       DEFINED                    10        0        0
NOBLE CORP                  COM                 G65422100     1855    23585 SH       SOLE                    21910        0     1675
NOBLE CORP                  COM                 G65422100       11      150 SH       DEFINED                   150        0        0
SEAGATE TECHNOLOGY                              G7945J104       62     2700 SH       DEFINED                     0        0     2700
WEATHERFORD INTL LTD                            G95089101       50     1120 SH       SOLE                     1120        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
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      334     7100 SH       SOLE                     4900        0     2200
AES CORP                    COM                 00130H105      230    10700 SH       DEFINED                     0        0    10700
AT&T INC                    COM                 00206R102     8023   203502 SH       SOLE                   183637        0    19865
AT&T INC                    COM                 00206R102      495    12556 SH       DEFINED                 10171        0     2385
ABBOTT LABS                 COM                 002824100     4623    82872 SH       SOLE                    77787        0     5085
ABBOTT LABS                 COM                 002824100      135     2422 SH       DEFINED                  1422        0     1000
ADOBE SYS INC               COM                 00724F101       95     2300 SH       SOLE                     2300        0        0
ADOBE SYS INC               COM                 00724F101        0       10 SH       DEFINED                    10        0        0
AETNA INC NEW               COM                 00817Y108      158     3625 SH       DEFINED                     0        0     3625
AGILENT TECHNOLOGIES INC    COM                 00846U101       10      305 SH       SOLE                      305        0        0
AIR PRODS & CHEMS INC       COM                 009158106       96     1301 SH       SOLE                     1246        0       55


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
AKAMAI TECHNOLOGIES                             00971T101        0        9 SH       DEFINED                     9        0        0
ALCOA INC                   COM                 013817101     2132    62915 SH       SOLE                    58965        0     3950
ALCOA INC                   COM                 013817101       65     1940 SH       DEFINED                  1940        0        0
ALCATEL-LUCENT ADR                              013904305       16     1393 SH       SOLE                     1393        0        0
ALLEGHENY TECHNOLOGIES INC  COM                 01741R102       77      725 SH       SOLE                      725        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        8      200 SH       SOLE                      200        0        0
ALLIED CAPITAL CORP                             01903Q108       10      375 SH       SOLE                      375        0        0
ALLIANCE FINL CORP                              019205103     1933    67421 SH       SOLE                    67421        0        0
ALLIANCE FINL CORP                              019205103      114     4000 SH       DEFINED                  4000        0        0
ALLSTATE CORP               COM                 020002101       14      244 SH       SOLE                      244        0        0
ALLSTATE CORP               COM                 020002101        9      150 SH       DEFINED                   150        0        0
ALLTEL CORP                 COM                 020039103      130     2100 SH       SOLE                     2100        0        0
ALLTEL CORP                 COM                 020039103       86     1400 SH       DEFINED                     0        0     1400
ALTRIA GROUP INC            COM                 02209S103     1115    12704 SH       SOLE                    12204        0      500
ALTRIA GROUP INC            COM                 02209S103      131     1500 SH       DEFINED                  1500        0        0
AMAZON COM INC              COM                 023135106      206     5200 SH       DEFINED                     0        0     5200
AMBAC FINL GROUP INC        COM                 023139108      213     2470 SH       SOLE                     2470        0        0
AMEREN CORP                 COM                 023608102       55     1097 SH       SOLE                     1097        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     2160    38309 SH       SOLE                    35609        0     2700
AMERICAN EXPRESS CO         COM                 025816109       28      500 SH       DEFINED                   500        0        0
AMERICAN FINANCIAL REALTY   TRUST               02607P305        7      699 SH       SOLE                      699        0        0
AMERICAN INTL GROUP INC     COM                 026874107     4155    61827 SH       SOLE                    58492        0     3335
AMERICAN INTL GROUP INC     COM                 026874107      519     7733 SH       DEFINED                  5091        0     2642
AMERISOURCEBERGEN CORP                          03073E105      166     3165 SH       SOLE                     3165        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     1917    34318 SH       SOLE                    31163        0     3155
AMGEN INC                   COM                 031162100       26      475 SH       DEFINED                   425        0       50
AMYLIN PHARMACEUTICALS INC                      032346108        9      250 SH       SOLE                      250        0        0
ANADARKO PETE CORP          COM                 032511107       18      430 SH       SOLE                      430        0        0
ANADARKO PETE CORP          COM                 032511107       68     1600 SH       DEFINED                     0        0     1600


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
ANALOG DEVICES INC          COM                 032654105        6      203 SH       SOLE                      203        0        0
ANHEUSER-BUSCH COMPANIES    COM                 035229103      251     4980 SH       SOLE                     4380        0      600
ANHEUSER-BUSCH COMPANIES    COM                 035229103      100     2000 SH       DEFINED                  2000        0        0
AON CORP                    COM                 037389103       45     1200 SH       DEFINED                     0        0     1200
APACHE CORP                                     037411105     1976    27956 SH       SOLE                    25976        0     1980
APACHE CORP                                     037411105       30      425 SH       DEFINED                   425        0        0
APOLLO GROUP INC            CL A                037604105        4      100 SH       SOLE                      100        0        0
APPLE COMPUTER INC          COM                 037833100       18      200 SH       SOLE                      200        0        0
APPLE COMPUTER INC          COM                 037833100        3       43 SH       DEFINED                    43        0        0
APPLIED MATLS INC           COM                 038222105       99     5455 SH       SOLE                     5455        0        0
AQUA AMER INC                                   03836W103       11      500 SH       SOLE                      500        0        0
ARCELOR MITTAL CL A         N Y REGISTRY SH     03937E101        1       25 SH       DEFINED                    25        0        0
ARCHER DANIELS MIDLAND CO   COM                 039483102      171     4675 SH       SOLE                     4675        0        0
AUTOLIV INC                 COM                 052800109        0       10 SH       DEFINED                    10        0        0
AUTOMATIC DATA PROCESSING                       053015103      318     6584 SH       SOLE                     6584        0        0
AUTOMATIC DATA PROCESSING                       053015103       96     2000 SH       DEFINED                  2000        0        0
AVAYA INC                   COM                 053499109        2      176 SH       SOLE                      176        0        0
AXCELIS TECHNOLOGIES INC    COM                 054540109        3      471 SH       SOLE                      471        0        0
BCE INC COM NEW                                 05534B760       23      825 SH       SOLE                      825        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      478     7391 SH       SOLE                     7391        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      190     2940 SH       DEFINED                  1628        0     1312
BAKER HUGHES INC            COM                 057224107       46      700 SH       DEFINED                     0        0      700
BANK OF AMERICA CORPORATION COM                 060505104     5817   114020 SH       SOLE                   107877        0     6143
BANK OF AMERICA CORPORATION COM                 060505104      299     5876 SH       DEFINED                  3416        0     2460
BANK NEW YORK INC           COM                 064057102      125     3100 SH       SOLE                     2100        0     1000
BAXTER INTL INC             COM                 071813109        5      100 SH       SOLE                      100        0        0
BEAZER HOMES USA INC        COM                 07556Q105       13      450 SH       DEFINED                     0        0      450
BECTON DICKINSON & CO       COM                 075887109       92     1200 SH       SOLE                     1200        0        0
BERKSHIRE HATHAWAY INC DEL  CL A                084670108      108        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       99     2048 SH       SOLE                     2048        0        0
BIG LOTS INC                                    089302103       30      965 SH       SOLE                      965        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
BIOMET INC                  COM                 090613100        4      100 SH       SOLE                      100        0        0
BIOGEN IDEC INC                                 09062X103       42      950 SH       SOLE                      450        0      500
BLACK & DECKER CORP         COM                 091797100       57      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          SOLE                     1178        0        0
BOEING CO                   COM                 097023105      520     5860 SH       SOLE                     5860        0        0
BOEING CO                   COM                 097023105        3       38 SH       DEFINED                    38        0        0
BORG WARNER INC                                 099724106        1       18 SH       DEFINED                    18        0        0
BOSTON PPTYS INC                                101121101      266     2270 SH       SOLE                     2270        0        0
BOSTON SCIENTIFIC CORP      COM                 101137107        5      347 SH       SOLE                      347        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      299    10789 SH       SOLE                     9289        0     1500
BRISTOL MYERS SQUIBB CO     COM                 110122108       99     3600 SH       DEFINED                  1600        0     2000
BROADCOM CORP               CL A                111320107        1       52 SH       DEFINED                    52        0        0
BROWN FORMAN CORP           CL B                115637209      131     2000 SH       DEFINED                     0        0     2000
BURLINGTON NORTHN SANTA
 FE C                       COM                 12189T104       96     1200 SH       SOLE                     1200        0        0
CBS CORP NEW CL B                               124857202     2138    69917 SH       SOLE                    65185        0     4732
CBS CORP NEW CL B                               124857202       49     1607 SH       DEFINED                   857        0      750
CH ENERGY GROUP INC                             12541M102       29      600 SH       SOLE                      600        0        0
CA INC COM                                      12673P105       59     2300 SH       DEFINED                     0        0     2300
CALIFORNIA COASTAL INC                          129915203        0        2 SH       SOLE                        2        0        0
CALLAWAY GOLF CO                                131193104        1      110 SH       SOLE                      110        0        0
CAMPBELL SOUP CO            COM                 134429109       37      950 SH       SOLE                      950        0        0
CAMPBELL SOUP CO            COM                 134429109       50     1300 SH       DEFINED                     0        0     1300
CAPITAL ONE FINANCIAL CORP                      14040H105      235     3120 SH       SOLE                     3120        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105       75     1000 SH       DEFINED                     0        0     1000
CAPSTON TURBINE CORP                            14067D102        0      500 SH       SOLE                      500        0        0
CARDINAL HEALTH INC         COM                 14149Y108      214     2944 SH       SOLE                     2944        0        0
CARDINAL HEALTH INC         COM                 14149Y108      105     1450 SH       DEFINED                  1450        0        0
CARNIVAL CORP                                   143658300      184     3940 SH       SOLE                     3940        0        0
CATERPILLAR INC DEL         COM                 149123101      699    10437 SH       SOLE                    10327        0      110
CATERPILLAR INC DEL         COM                 149123101       33      500 SH       DEFINED                   500        0        0
CENTEX CORP                 COM                 152312104       57     1375 SH       DEFINED                     0        0     1375
CEPHALON INC                                    156708109       42      593 SH       SOLE                      593        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
CHARMING SHOPPES INC                            161133103        3      290 SH       SOLE                      290        0        0
CHEMED CORP INC                                 16359R103        8      170 SH       SOLE                      170        0        0
CHEVRON CORPORATION NEW                         166764100     3427    46346 SH       SOLE                    43451        0     2895
CHEVRON CORPORATION NEW                         166764100      246     3331 SH       DEFINED                  1065        0     2266
CHICAGO MERCANTILE EXC                          167760107        1        3 SH       DEFINED                     3        0        0
CHUBB CORP                  COM                 171232101      387     7510 SH       SOLE                     7510        0        0
CHUBB CORP                  COM                 171232101       30      600 SH       DEFINED                     0        0      600
CISCO SYS INC               COM                 17275R102     4404   172574 SH       SOLE                   163159        0     9415
CISCO SYS INC               COM                 17275R102      204     8005 SH       DEFINED                  4505        0     3500
CITIGROUP INC                                   172967101     5607   109219 SH       SOLE                   103825        0     5394
CITIGROUP INC                                   172967101      250     4879 SH       DEFINED                  2529        0     2350
CLOROX CO DEL               COM                 189054109      290     4560 SH       SOLE                     4560        0        0
CLOROX CO DEL               COM                 189054109       77     1220 SH       DEFINED                    20        0     1200
COCA COLA CO                COM                 191216100     2233    46539 SH       SOLE                    43409        0     3130
COCA COLA CO                COM                 191216100      122     2550 SH       DEFINED                  1050        0     1500
COLGATE PALMOLIVE CO        COM                 194162103        5       80 SH       SOLE                       80        0        0
COLGATE PALMOLIVE CO        COM                 194162103      133     2000 SH       DEFINED                     0        0     2000
COMCAST CORP NEW CL A                           20030N101       60     2317 SH       SOLE                     2317        0        0
COMCAST CORP NEW CL A                           20030N101       35     1356 SH       DEFINED                     0        0     1356
COMCAST CORP NEW                                20030N200       42     1655 SH       DEFINED                   155        0     1500
COMERICA INC                COM                 200340107       10      171 SH       SOLE                      171        0        0
COMMERCIAL METALS CO        COM                 201723103       67     2140 SH       SOLE                     2140        0        0
COMPUTER SCIENCES CORP      COM                 205363104      271     5210 SH       SOLE                     5025        0      185
CONAGRA FOODS INC           COM                 205887102       52     2100 SH       SOLE                     2100        0        0
CONAGRA FOODS INC           COM                 205887102       37     1500 SH       DEFINED                     0        0     1500
CONEXANT SYSTEMS INC        COM                 207142100        0      600 SH       SOLE                      600        0        0
CONOCOPHILLIPS                                  20825C104      771    11281 SH       SOLE                    10597        0      684
CONSOLIDATED EDISON INC                         209115104       88     1742 SH       SOLE                     1742        0        0
CONSTELLATION ENERGY CORP   COM                 210371100      102     1175 SH       DEFINED                    25        0     1150
CONVERGYS CORP              COM                 212485106      165     6515 SH       SOLE                     6515        0        0
CORN PRODS INTL INC         COM                 219023108        5      150 SH       SOLE                      150        0        0
CORNING INC                 COM                 219350105      193     8508 SH       SOLE                     8508        0        0
CORNING INC                 COM                 219350105        8      384 SH       DEFINED                   384        0        0


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
COSTCO WHSL CORP NEW        COM                 22160K105     2055    38176 SH       SOLE                    35521        0     2655
COSTCO WHSL CORP NEW        COM                 22160K105      149     2775 SH       DEFINED                  2775        0        0
COUNTRYWIDE FINANCIAL CORP                      222372104      127     3790 SH       DEFINED                    15        0     3775
CREDIT SUISSE GROUP         SPONSORED ADR       225401108        2       30 SH       DEFINED                    30        0        0
CROWN CASTLE INTL CORP      COM                 228227104        0       25 SH       DEFINED                    25        0        0
CUMMINS INC                 COM                 231021106      362     2505 SH       SOLE                     2505        0        0
DNP SELECT INC FD INC       COM                 23325P104       25     2300 SH       SOLE                     2300        0        0
DANAHER CORP DEL            COM                 235851102      137     1925 SH       SOLE                     1925        0        0
DEL MONTE FOODS                                 24522P103        1       89 SH       SOLE                       89        0        0
DELL INC                                        24702R101        7      310 SH       SOLE                      310        0        0
DELL INC                                        24702R101       33     1450 SH       DEFINED                     0        0     1450
DENTSPLY INTL INC NEW       COM                 249030107       30      920 SH       SOLE                      920        0        0
DEUTSCHE TELEKOM AG                             251566105       20     1252 SH       SOLE                     1252        0        0
THE DIRECTV GROUP INC.                          25459L106      183     7965 SH       SOLE                     7965        0        0
THE DIRECTV GROUP INC.                          25459L106      112     4900 SH       DEFINED                     0        0     4900
DISNEY WALT CO              COM DISNEY          254687106      636    18490 SH       SOLE                    18490        0        0
DISNEY WALT CO              COM DISNEY          254687106       68     2000 SH       DEFINED                     0        0     2000
DOMINION RES INC VA NEW     COM                 25746U109      196     2212 SH       SOLE                     2212        0        0
DOVER CORP                  COM                 260003108      185     3805 SH       SOLE                     3805        0        0
DOW CHEM CO                 COM                 260543103       31      680 SH       SOLE                      680        0        0
DOW CHEM CO                 COM                 260543103        1       25 SH       DEFINED                    25        0        0
DOW JONES & CO INC          COM                 260561105       44     1300 SH       DEFINED                     0        0     1300
DUPONT E I DE NEMOURS & CO  COM                 263534109      477     9662 SH       SOLE                     9662        0        0
DUPONT E I DE NEMOURS & CO  COM                 263534109       69     1400 SH       DEFINED                     0        0     1400
DUKE ENERGY HOLDING CORP    COM                 26441C105       65     3254 SH       SOLE                     3054        0      200
DUKE ENERGY HOLDING CORP    COM                 26441C105       50     2500 SH       DEFINED                     0        0     2500
E M C CORP MASS             COM                 268648102       18     1329 SH       SOLE                     1329        0        0
ENI SPA                     SPONSER ADR         26874R108       24      376 SH       SOLE                      376        0        0
EASTMAN CHEM CO             COM                 277432100       45      713 SH       SOLE                      713        0        0
EASTMAN KODAK CO            COM                 277461109       56     2517 SH       SOLE                     2517        0        0
EASTMAN KODAK CO            COM                 277461109      137     6100 SH       DEFINED                     0        0     6100
EATON VANCE CORP            COM                 278058102       66      800 SH       SOLE                      800        0        0
EATON VANCE CORP            COM                 278058102      108     1300 SH       DEFINED                     0        0     1300


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
EBAY INC                    COM                 278642103      132     4000 SH       DEFINED                     0        0     4000
ECOLAB INC                  COM                 278865100       47     1100 SH       SOLE                     1100        0        0
EDWARDS AG INC              COM                 281760108      210     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       74     1475 SH       DEFINED                     0        0     1475
ELECTRONIC DATA SYS NEW     COM                 285661104        2      100 SH       SOLE                      100        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     2327    54019 SH       SOLE                    50184        0     3835
EMERSON ELEC CO             COM                 291011104      133     3106 SH       DEFINED                  3106        0        0
ENBRIDGE ENERGY PART LP     COM                 29250R106        8      150 SH       SOLE                      150        0        0
ADR ENEL SOCIETA AZION                          29265W108       24      451 SH       SOLE                      451        0        0
ENERGY CONVERSION DEV INC                       292659109        3      100 SH       SOLE                      100        0        0
ENERGY EAST CORP            COM                 29266M109      148     6077 SH       SOLE                     6077        0        0
ENERGIZER HLDGS INC         COM                 29266R108       17      203 SH       SOLE                      203        0        0
ENERGIZER HLDGS INC         COM                 29266R108       11      140 SH       DEFINED                     0        0      140
ENTERGY CORP NEW            COM                 29364G103      264     2525 SH       SOLE                     2525        0        0
EQUIFAX INC                 COM                 294429105       10      300 SH       SOLE                      300        0        0
EQUITY FUND                                     294700703       70      600 SH       SOLE                      600        0        0
ERICSSON TELEPHONE CO       ADR                 294821608       11      320 SH       DEFINED                   320        0        0
EXELON CORP                 COM                 30161N101     4971    72361 SH       SOLE                    67336        0     5025
EXELON CORP                 COM                 30161N101       92     1350 SH       DEFINED                  1350        0        0
EXPEDIA INC DEL                                 30212P105       95     4100 SH       DEFINED                     0        0     4100
EXPEDITORS INTL WASH INC    COM                 302130109       16      400 SH       SOLE                      400        0        0
EXXON MOBIL CORP            COM                 30231G102    12122   160670 SH       SOLE                   147178        0    13492
EXXON MOBIL CORP            COM                 30231G102     1699    22529 SH       DEFINED                 19433        0     3096
FPL GROUP INC               COM                 302571104       24      400 SH       SOLE                        0        0      400
FPL GROUP INC               COM                 302571104       32      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       98     1800 SH       SOLE                     1800        0        0
FEDERAL NATIONAL MTGE ASSOC COM                 313586109        1       35 SH       DEFINED                    35        0        0
FEDERATED DEPT STORES INC
 DE                         COM                 31410H101       37      833 SH       DEFINED                    25        0      808
FEDEX CORP                                      31428X106      161     1504 SH       SOLE                     1504        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
FIFTH THIRD BANCORP         COM                 316773100      139     3612 SH       SOLE                     3612        0        0
FIRST DATA CORP             COM                 319963104       15      595 SH       SOLE                      595        0        0
FIRST HORIZON NATL CORP                         320517105       32      771 SH       SOLE                      771        0        0
FIRST INDUSTRIAL REALTY
 TRUS                       COM                 32054K103       13      295 SH       SOLE                      295        0        0
FIRST NIAGARA FINL INC                          33582V108       14     1011 SH       SOLE                     1011        0        0
FIRST NIAGARA FINL INC                          33582V108        4      305 SH       DEFINED                   305        0        0
FIRSTENERGY CORP            COM                 337932107      130     1971 SH       SOLE                     1891        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
FOREST LABS INC             COM                 345838106      239     4660 SH       SOLE                     4660        0        0
FRANKLIN RESOURCES INC.                         354613101      147     1220 SH       SOLE                     1220        0        0
FRANKLIN RESOURCES INC.                         354613101        2       20 SH       DEFINED                    20        0        0
FREEPORT MCMORAN COPPER
 & GOLD INC                 COM                 35671D857       19      302 SH       SOLE                      302        0        0
GALLAGHER ARTHUR J & CO     COM                 363576109       18      639 SH       SOLE                      639        0        0
GANNETT INC                 COM                 364730101      212     3778 SH       SOLE                     3778        0        0
GANNETT INC                 COM                 364730101       78     1400 SH       DEFINED                     0        0     1400
GENENTECH INC               COM NEW             368710406       85     1046 SH       SOLE                     1046        0        0
GENENTECH INC               COM NEW             368710406        1       19 SH       DEFINED                    19        0        0
GENERAL ELECTRIC CO         COM                 369604103     9251   261635 SH       SOLE                   240840        0    20795
GENERAL ELECTRIC CO         COM                 369604103      537    15209 SH       DEFINED                 10509        0     4700
GENERAL MLS INC             COM                 370334104       87     1500 SH       DEFINED                     0        0     1500
GENERAL MTRS CORP           COM                 370442105       14      488 SH       SOLE                      388        0      100
GENERAL MTRS CORP           COM                 370442105       21      700 SH       DEFINED                     0        0      700
GENUINE PARTS CO            COM                 372460105       49     1000 SH       SOLE                     1000        0        0
GENUINE PARTS CO            COM                 372460105       73     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      171     2235 SH       SOLE                     2235        0        0
GILEAD SCIENCES INC         COM                 375558103        2       35 SH       DEFINED                    35        0        0
GLAXO HOLDINGS PLC          SPONSORED ADR       37733W105      174     3150 SH       SOLE                     3150        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104     4543    21991 SH       SOLE                    21201        0      790
GOLDMAN SACHS GROUP INC     COM                 38141G104       32      157 SH       DEFINED                   107        0       50
GOOGLE INC                                      38259P508       98      215 SH       SOLE                      215        0        0
GOOGLE INC                                      38259P508      210      459 SH       DEFINED                     9        0      450


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
GRAINGER W W INC            COM                 384802104      169     2200 SH       SOLE                     2200        0        0
GREAT PLAINS ENERGY INC     COM                 391164100       68     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       27      866 SH       SOLE                      866        0        0
HALLIBURTON CO              COM                 406216101        2       75 SH       DEFINED                    75        0        0
JOHN HANCOCK PFD INC FD II                      41013X106       25     1000 SH       SOLE                        0        0     1000
HANESBRANDS INC                                 410345102        1       36 SH       SOLE                       36        0        0
HARDINGE INC                COM                 412324303       23      900 SH       SOLE                      900        0        0
HARLEY DAVIDSON INC         COM                 412822108     1850    31500 SH       SOLE                    29350        0     2150
HARLEY DAVIDSON INC         COM                 412822108       86     1475 SH       DEFINED                  1475        0        0
HASBRO INC                  COM                 418056107       71     2500 SH       DEFINED                     0        0     2500
HEALTH CARE PPTY INVS                           421915109       14      400 SH       SOLE                      400        0        0
HEALTH CARE REIT INC        COM                 42217K106       16      372 SH       SOLE                      372        0        0
HEALTH NET INC              A                   42222G108      110     2050 SH       DEFINED                     0        0     2050
HEINZ H J CO                COM                 423074103       73     1550 SH       SOLE                      200        0     1350
HERCULES INC                COM                 427056106        9      500 SH       DEFINED                     0        0      500
THE HERSHEY CO              COM                 427866108      185     3400 SH       SOLE                     3400        0        0
HESS CORP COM                                   42809H107      199     3600 SH       DEFINED                     0        0     3600
HEWLETT PACKARD CO          COM                 428236103     3054    76109 SH       SOLE                    72148        0     3961
HEWLETT PACKARD CO          COM                 428236103      231     5769 SH       DEFINED                  1915        0     3854
HILTON HOTELS CORP          COM                 432848109        0       15 SH       DEFINED                    15        0        0
HOME DEPOT INC              COM                 437076102     3993   108736 SH       SOLE                   102356        0     6380
HOME DEPOT INC              COM                 437076102      383    10450 SH       DEFINED                  5750        0     4700
HONEYWELL INTL INC          COM                 438516106      146     3175 SH       SOLE                     3045        0      130
HOSPITALITY PROPERTIES      TRUST               44106M102       37      800 SH       SOLE                      800        0        0
HUMANA INC                  COM                 444859102      180     3115 SH       SOLE                     3115        0        0
IAC/INTERACTIVE CORP                            44919P300      138     3675 SH       DEFINED                     0        0     3675
ING CLARION GL REAL ESTATE                      44982G104       15      700 SH       SOLE                      700        0        0
ITT INDS INC IND            COM                 450911102       11      196 SH       SOLE                      196        0        0
IDEARC INC                  COM                 451663108       26      745 SH       SOLE                      646        0       99
IDEARC INC                  COM                 451663108        0        9 SH       DEFINED                     9        0        0
ILLINOIS TOOL WKS INC       COM                 452308109     2230    43231 SH       SOLE                    40596        0     2635
ILLINOIS TOOL WKS INC       COM                 452308109      118     2300 SH       DEFINED                  2300        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
INTEL CORP                  COM                 458140100     4320   225993 SH       SOLE                   210858        0    15135
INTEL CORP                  COM                 458140100      194    10190 SH       DEFINED                  9590        0      600
INTEGRYS ENERGY GROUP INC   COM                 45822P105       35      647 SH       SOLE                      565        0       82
INTERNATIONAL BUSINESS
 MACHS                      COM                 459200101     4950    52525 SH       SOLE                    50038        0     2487
INTERNATIONAL BUSINESS
 MACHS                      COM                 459200101      219     2325 SH       DEFINED                  1675        0      650
INTERNATIONAL FLAVORS &
 FRAGRA                     COM                 459506101      156     3305 SH       SOLE                     3305        0        0
INTERNATIONAL FLAVORS &
 FRAGRA                     COM                 459506101       47     1000 SH       DEFINED                     0        0     1000
INTL PAPER CO               COM                 460146103       76     2110 SH       DEFINED                     0        0     2110
ISHARES TR MSCI EAFE INDX
 FD                         ADR                 464287465    13295   174343 SH       SOLE                   171393        0     2950
ISHARES TR MSCI EAFE INDX
 FD                         ADR                 464287465       76     1000 SH       DEFINED                  1000        0        0
ISHARES TR S& P MIDCAP 400                      464287507     8493   100401 SH       SOLE                    99276        0     1125
ISHARES TR S& P MIDCAP 400                      464287507       29      350 SH       DEFINED                   350        0        0
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648     4578    57194 SH       SOLE                    56574        0      620
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648       20      250 SH       DEFINED                   250        0        0
ISHARES TR SMALLCAP FD                          464287804       68     1005 SH       SOLE                     1005        0        0
JDS UNIPHASE CORP           COM                 46612J507        0       12 SH       SOLE                       12        0        0
J P MORGAN CHASE & CO                           46625H100     2753    56912 SH       SOLE                    53567        0     3345
J P MORGAN CHASE & CO                           46625H100      386     7990 SH       DEFINED                   795        0     7195
JOHNSON & JOHNSON           COM                 478160104     5436    90210 SH       SOLE                    83940        0     6270
JOHNSON & JOHNSON           COM                 478160104      461     7660 SH       DEFINED                  5410        0     2250
JOHNSON CTLS INC            COM                 478366107      423     4475 SH       SOLE                     4475        0        0
JONES APPAREL GROUP INC     COM                 480074103       54     1770 SH       SOLE                     1770        0        0
KELLOGG CO                  COM                 487836108      279     5425 SH       SOLE                     5425        0        0
KEYCORP NEW                 COM                 493267108      115     3080 SH       SOLE                     3080        0        0
KEYSPAN CORP                COM                 49337W100      100     2433 SH       SOLE                     2433        0        0
KIMBERLY CLARK CORP         COM                 494368103        6      100 SH       SOLE                      100        0        0
KIMBERLY CLARK CORP         COM                 494368103       68     1000 SH       DEFINED                     0        0     1000
KINDER MORGAN ENERGY
 PARTNER LTD                PARTNER             494550106       96     1826 SH       SOLE                     1826        0        0
KING PHARMACEUTICALS INC                        495582108      106     5395 SH       SOLE                     5395        0        0
KOHLS CORP                  COM                 500255104      160     2100 SH       SOLE                     2100        0        0
KOHLS CORP                  COM                 500255104        1       24 SH       DEFINED                    24        0        0
KONINKLIJKE PHILIPS ELECTRS NV SP ADR           500472303       41     1101 SH       SOLE                     1101        0        0
KROGER CO                   COM                 501044101        1       50 SH       DEFINED                    50        0        0


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
L-3 COMMUNICATIONS HLDGS
 INC                        COM                 502424104        3       35 SH       SOLE                       35        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409      552     7611 SH       SOLE                     7611        0        0
LANCASTER COLONY CORP       COM                 513847103       46     1050 SH       SOLE                     1050        0        0
LEGGETT & PLATT INC         COM                 524660107      126     5570 SH       SOLE                     5570        0        0
LEGG MASON INC              COM                 524901105        1       20 SH       DEFINED                    20        0        0
LEHMAN BROTHERS HLDGS INC                       524908100      480     6862 SH       SOLE                     6862        0        0
LEHMAN BROTHERS HLDGS INC                       524908100        0        4 SH       DEFINED                     4        0        0
LEXINGTON CORPORATE PROPERTY                    529043101       12      611 SH       SOLE                      611        0        0
LEXMARK INTL NEW            CL A                529771107      123     2110 SH       SOLE                     2110        0        0
LILLY ELI & CO              COM                 532457108       99     1856 SH       SOLE                     1856        0        0
LIMITED BRANDS INC          COM                 532716107       76     2920 SH       SOLE                     2920        0        0
LLOYDS TSB GROUP PLC        SPONSORED ADR       539439109       51     1150 SH       SOLE                     1150        0        0
LOCKHEED MARTIN CORP        COM                 539830109      549     5664 SH       SOLE                     5664        0        0
LOWES COS INC               COM                 548661107       65     2075 SH       SOLE                     1875        0      200
MBIA INC                    COM                 55262C100        0        8 SH       DEFINED                     8        0        0
MGIC INVT CORP WIS          COM                 552848103        2       40 SH       SOLE                       40        0        0
MACQUARIE INFRASTRUCTURE                        55607X108       10      276 SH       SOLE                      276        0        0
MANULIFE FINL CORP          COM                 56501R106       61     1774 SH       SOLE                     1774        0        0
MANULIFE FINL CORP          COM                 56501R106      122     3554 SH       DEFINED                     0        0     3554
MARATHON OIL CORP                               565849106      168     1706 SH       DEFINED                     6        0     1700
MARSH & MCLENNAN COS INC    COM                 571748102       43     1500 SH       DEFINED                     0        0     1500
MARSHALL & ILSLEY CORP      COM                 571834100      166     3600 SH       SOLE                     3600        0        0
MARRIOTT INTL INC NEW       CLA                 571903202       93     1900 SH       SOLE                      800        0     1100
MARRIOTT INTL INC NEW       CLA                 571903202       58     1200 SH       DEFINED                     0        0     1200
MARVEL ENTMT INC            COM                 57383T103        5      200 SH       SOLE                      200        0        0
MASCO CORPORATION                               574599106       23      850 SH       DEFINED                     0        0      850
MATTEL INC                  COM                 577081102      135     4920 SH       SOLE                     4920        0        0
MCCORMICK & CO INC          COM NON VTG         579780206       37      980 SH       SOLE                      980        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      115     3000 SH       DEFINED                     0        0     3000
MCDONALDS CORP              COM                 580135101     4879   108333 SH       SOLE                   101717        0     6616
MCDONALDS CORP              COM                 580135101      130     2905 SH       DEFINED                  1805        0     1100
MCKESSON CORPORATION        COM                 58155Q103       48      832 SH       SOLE                      832        0        0
MCKESSON CORPORATION        COM                 58155Q103        0       11 SH       DEFINED                    11        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
MEADWESTVACO CORP                               583334107       24      799 SH       SOLE                      799        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102        3       48 SH       SOLE                        0        0       48
MEDIMMUNE INC                                   584699102       53     1461 SH       SOLE                     1461        0        0
MEDIS TECHNOLOGIES                              58500P107        1      100 SH       SOLE                      100        0        0
MEDTRONIC INC               COM                 585055106     3679    74992 SH       SOLE                    70397        0     4595
MEDTRONIC INC               COM                 585055106       88     1800 SH       DEFINED                  1800        0        0
MELLON FINL CORP            COM                 58551A108       86     2000 SH       DEFINED                     0        0     2000
MERCK & CO INC              COM                 589331107      519    11765 SH       SOLE                     7665        0     4100
MERCK & CO INC              COM                 589331107       68     1540 SH       DEFINED                    40        0     1500
MERRILL LYNCH & CO INC      COM                 590188108      228     2802 SH       SOLE                     2802        0        0
MERRILL LYNCH & CO INC      COM                 590188108        5       65 SH       DEFINED                    65        0        0
METLIFE INC                 COM                 59156R108     3906    61860 SH       SOLE                    58865        0     2995
METLIFE INC                 COM                 59156R108       45      715 SH       DEFINED                   565        0      150
MICROSOFT CORP              COM                 594918104     4962   178138 SH       SOLE                   169308        0     8830
MICROSOFT CORP              COM                 594918104      240     8635 SH       DEFINED                  7435        0     1200
MICROCHIP TECHNOLOGY INC    COM                 595017104     1799    50665 SH       SOLE                    47165        0     3500
MICROCHIP TECHNOLOGY INC    COM                 595017104       10      300 SH       DEFINED                   300        0        0
MILLIPORE CORP                                  601073109       14      200 SH       SOLE                      200        0        0
MINDSPEED TECHNOLOGIES INC                      602682106        0      200 SH       SOLE                      200        0        0
MOSON COORS BREWING         CO CL B             60871R209      140     1485 SH       SOLE                     1395        0       90
MONSANTO CO (NEW)                               61166W101        2       50 SH       SOLE                       50        0        0
MONSANTO CO (NEW)                               61166W101        1       31 SH       DEFINED                    31        0        0
MONSTER WORLDWIDE INC.                          611742107        0        5 SH       DEFINED                     5        0        0
MORGAN STANLEY              DISCOVER & CO       617446448     4736    60137 SH       SOLE                    56907        0     3230
MORGAN STANLEY              DISCOVER & CO       617446448      165     2100 SH       DEFINED                   900        0     1200
MOTOROLA INC                COM                 620076109      166     9445 SH       SOLE                     9445        0        0
MOTOROLA INC                COM                 620076109       51     2900 SH       DEFINED                     0        0     2900
MURPHY OIL CORP             COM                 626717102        2       40 SH       SOLE                       40        0        0
MYLAN LABS INC              COM                 628530107        9      450 SH       SOLE                      450        0        0
NBT BANCORP INC             COM                 628778102      382    16309 SH       SOLE                    16309        0        0
NYSE GROUP INC              COM                 62949W103        0        6 SH       DEFINED                     6        0        0
NATIONAL CITY CORP          COM                 635405103       39     1055 SH       SOLE                     1055        0        0
NATIONAL CITY CORP          COM                 635405103      105     2835 SH       DEFINED                    35        0     2800


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
NATURAL RESOURCE PARTNERS LP                    63900P103       40      600 SH       SOLE                      600        0        0
NETWORK APPLIANCE INC.                          64120L104        1       30 SH       DEFINED                    30        0        0
NEW YORK TIMES CO           CL A                650111107       37     1600 SH       DEFINED                     0        0     1600
NEWELL RUBBERMAID INC       COM                 651229106       22      715 SH       SOLE                      715        0        0
NEWELL RUBBERMAID INC       COM                 651229106      118     3800 SH       DEFINED                     0        0     3800
NICOR INC                                       654086107       34      710 SH       SOLE                      710        0        0
NIKE INC                    CL B                654106103        9       85 SH       SOLE                       85        0        0
NIKE INC                    CL B                654106103       40      379 SH       DEFINED                     4        0      375
NISOURCE INC                COM                 65473P105       45     1877 SH       SOLE                     1877        0        0
NOKIA CORP PFD              SPONS ADR           654902204        8      350 SH       SOLE                      200        0      150
NOKIA CORP PFD              SPONS ADR           654902204       58     2565 SH       DEFINED                    65        0     2500
NORDSTROM INC               COM                 655664100      150     2840 SH       SOLE                     2840        0        0
NORFOLK SOUTHERN CORP       COM                 655844108      186     3680 SH       SOLE                     3680        0        0
NORTHROP GRUMMAN CORP       COM                 666807102       73      996 SH       SOLE                      996        0        0
NORTHROP GRUMMAN CORP       COM                 666807102        1       20 SH       DEFINED                    20        0        0
NOVARTIS AG                                     66987V109       46      846 SH       SOLE                      846        0        0
NOVELLUS SYS INC            COM                 670008101       44     1400 SH       SOLE                     1400        0        0
NUCOR CORP                  COM                 670346105      365     5605 SH       SOLE                     5605        0        0
NVIDIA CORP                                     67066G104      209     7290 SH       SOLE                     7290        0        0
NVIDIA CORP                                     67066G104        1       35 SH       DEFINED                    35        0        0
OGE ENERGY CORP             COM                 670837103       38     1000 SH       SOLE                     1000        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105      295     5995 SH       SOLE                     5995        0        0
OFFICE DEPOT INC            COM                 676220106      113     3240 SH       SOLE                     3240        0        0
OFFICE DEPOT INC            COM                 676220106        0       25 SH       DEFINED                    25        0        0
OMNICOM GROUP INC           COM                 681919106       85      835 SH       SOLE                      835        0        0
ORACLE CORP                 COM                 68389X105      325    17971 SH       SOLE                    17971        0        0
ORACLE CORP                 COM                 68389X105       13      750 SH       DEFINED                   750        0        0
OWENS ILL INC               COM NEW             690768403        0       30 SH       DEFINED                    30        0        0
PG&E CORP                   COM                 69331C108       31      655 SH       SOLE                      655        0        0
PNC FINL SVCS GROUP INC     COM                 693475105     1871    25998 SH       SOLE                    24158        0     1840
PNC FINL SVCS GROUP INC     COM                 693475105      115     1600 SH       DEFINED                   150        0     1450
PPG INDS INC                COM                 693506107       89     1280 SH       SOLE                     1280        0        0
PPL CORP                                        69351T106      101     2484 SH       SOLE                     2484        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
PACCAR INC                  COM                 693718108      612     8350 SH       SOLE                     8350        0        0
PACKAGING CORP AMER         COM                 695156109       19      800 SH       SOLE                      800        0        0
PACTIV CORP                 COM                 695257105      182     5410 SH       SOLE                     5410        0        0
PALL CORP                   COM                 696429307       38     1000 SH       DEFINED                     0        0     1000
PARKER HANNIFIN CORP        COM                 701094104       70      820 SH       SOLE                      820        0        0
PAYCHEX INC                 COM                 704326107        3      100 SH       SOLE                      100        0        0
PENNEY J C INC              COM                 708160106      167     2045 SH       SOLE                     2045        0        0
PEPSI BOTTLING GROUP INC    COM                 713409100       75     2380 SH       SOLE                     2380        0        0
PEPSICO INC                 COM                 713448108     4894    77002 SH       SOLE                    73217        0     3785
PEPSICO INC                 COM                 713448108      291     4588 SH       DEFINED                  4588        0        0
PFIZER INC                  COM                 717081103     5050   200038 SH       SOLE                   178643        0    21395
PFIZER INC                  COM                 717081103      175     6956 SH       DEFINED                  4156        0     2800
PHOENIX COS INC NEW         COM                 71902E109        7      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     1690 SH       SOLE                     1690        0        0
PIONEER NATURAL RESOURCES CO                    723787107        2       62 SH       SOLE                       62        0        0
PITNEY BOWES INC            COM                 724479100      352     7765 SH       SOLE                     7765        0        0
PRAXAIR INC                 COM                 74005P104       84     1345 SH       SOLE                      995        0      350
PRICE T ROWE & ASSOCIATES   COM                 74144T108       87     1850 SH       SOLE                     1850        0        0
PROCTER & GAMBLE CO         COM                 742718109     5632    89196 SH       SOLE                    83427        0     5769
PROCTER & GAMBLE CO         COM                 742718109      295     4687 SH       DEFINED                  3172        0     1515
PROGRESS ENERGY INC         COM                 743263105       36      722 SH       SOLE                      722        0        0
PROGRESSIVE CORP                                743315103      366    16805 SH       SOLE                    16805        0        0
PRUDENTIAL FINL, INC.       COM                 744320102      122     1354 SH       SOLE                     1354        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       56      681 SH       SOLE                      681        0        0
PUGET SOUND ENERGY INC      COM                 745310102       85     3311 SH       SOLE                     3311        0        0
PULTE CORP                  COM                 745867101       62     2375 SH       DEFINED                     0        0     2375
PUTNAM HIGH YIELD MUN TR    C/C                 746781103       15     2022          SOLE                     2022        0        0
QUALCOMM INC                COM                 747525103      101     2375 SH       SOLE                     2175        0      200
QUALCOMM INC                COM                 747525103        9      215 SH       DEFINED                   215        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100        2       48 SH       SOLE                       48        0        0
QUESTAR CORP                COM                 748356102      142     1600 SH       SOLE                     1600        0        0
QWEST COMM INTL INC                             749121109       12     1405 SH       SOLE                     1405        0        0
QWEST COMM INTL INC                             749121109      295    32850 SH       DEFINED                     0        0    32850


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
RAYTHEON CO CLASS B         COM                 755111507      109     2084 SH       SOLE                     2084        0        0
REGIONS FINL CORP NEW                           7591EP100       20      572 SH       SOLE                      572        0        0
RELIANT ENERGY INC                              75952B105        5      279 SH       DEFINED                   279        0        0
REYNOLDS AMERN INC                              761713106      195     3138 SH       SOLE                     2738        0      400
RITE AID CORP               COM                 767754104       28     5000 SH       SOLE                     5000        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       35      600 SH       SOLE                      600        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       29      500 SH       DEFINED                     0        0      500
ROCKWELL COLLINS INC        COM                 774341101       40      600 SH       SOLE                      600        0        0
ROCKWELL COLLINS INC        COM                 774341101        0        7 SH       DEFINED                     7        0        0
ROHM & HAAS CO              COM                 775371107       62     1200 SH       SOLE                     1200        0        0
ROYAL DUTCH PETE CO                             780259206      382     5775 SH       SOLE                     5775        0        0
RYLAND GROUP INC.                               783764103       21      500 SH       DEFINED                     0        0      500
SLM CORPORATION SECURITIES  COM                 78442P106        9      227 SH       SOLE                      227        0        0
SAFEWAY INC
 (FORMERLY SAFEWAY STORES INC)                  786514208        1       35 SH       DEFINED                    35        0        0
SARA LEE CORP               COM                 803111103        4      288 SH       SOLE                      288        0        0
SARA LEE CORP               COM                 803111103        1       90 SH       DEFINED                    90        0        0
SCHERING PLOUGH CORP        COM                 806605101       95     3750 SH       SOLE                     2950        0      800
SCHLUMBERGER LTD            COM                 806857108     4702    68058 SH       SOLE                    64233        0     3825
SCHLUMBERGER LTD            COM                 806857108      270     3915 SH       DEFINED                  3915        0        0
SCHWAB CHARLES CORP NEW     COM                 808513105        0       20 SH       DEFINED                    20        0        0
SCOTTISH PWR PLC NEW                            81013T804       83     1327 SH       SOLE                     1327        0        0
SEARS HLDGS CORP            COM                 812350106      189     1050 SH       DEFINED                     0        0     1050
SELECTIVE INS GRP INC       C/C                 816300107       36     1438 SH       SOLE                     1438        0        0
SENECA FOODS CORP NEW       CL B                817070105       39     1400 SH       SOLE                     1400        0        0
SENECA FOODS CORP NEW       CL A                817070501       37     1400 SH       SOLE                     1400        0        0
SHERWIN WILLIAMS CO         COM                 824348106       82     1255 SH       SOLE                     1255        0        0
SIGMA ALDRICH CORP          COM                 826552101     4347   104718 SH       SOLE                    98728        0     5990
SIGMA ALDRICH CORP          COM                 826552101       56     1350 SH       DEFINED                  1350        0        0
SIMON PPTY GROUP INC NEW                        828806109       50      455 SH       SOLE                      455        0        0
SIMON PPTY GROUP INC NEW                        828806109      124     1122 SH       DEFINED                     0        0     1122
SIRIUS SATELLITE RADIO INC                      82966U103        9     3000 SH       SOLE                     3000        0        0
SKY FINL GROUP INC          COM                 83080P103      140     5237 SH       SOLE                     5237        0        0
SKYWORKS SOLUTIONS INC                          83088M102        1      210 SH       SOLE                      210        0        0


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
SMURFIT-STONE CONTAINER
 CORP                       COM                 832727101        0       25 SH       SOLE                       25        0        0
SOLECTRON CORP              COM                 834182107        0      200 SH       DEFINED                   200        0        0
SOUTHERN CO                 COM                 842587107       67     1831 SH       SOLE                     1741        0       90
SPECTRA ENERGY CORP         COM                 847560109       58     2243 SH       SOLE                     2143        0      100
SPECTRA ENERGY CORP         COM                 847560109       32     1250 SH       DEFINED                     0        0     1250
SPIRIT AEROSYSTEMS HDG                          848574109        0       20 SH       DEFINED                    20        0        0
SPRINT NEXTEL CORP                              852061100       33     1750 SH       SOLE                     1750        0        0
SPRINT NEXTEL CORP                              852061100      252    13300 SH       DEFINED                   100        0    13200
STAPLES INC                 COM                 855030102     2068    80053 SH       SOLE                    74816        0     5237
STAPLES INC                 COM                 855030102       67     2625 SH       DEFINED                  2625        0        0
STARBUCKS CORP              COM                 855244109       25      800 SH       DEFINED                   800        0        0
STARWOOD HOTELS & RESORTS
 WORLDWIDE INC              COM                 85590A401      120     1855 SH       SOLE                     1855        0        0
STARWOOD HOTELS & RESORTS
 WORLDWIDE INC              COM                 85590A401        1       18 SH       DEFINED                    18        0        0
STATE STREET CORP           COM                 857477103        2       40 SH       SOLE                       40        0        0
STORA ENSO OYJ                                  86210M106        6      357 SH       DEFINED                   357        0        0
STRYKER CORP                                    863667101       66     1000 SH       DEFINED                  1000        0        0
SUFFOLK BANCORP             COM                 864739107      104     3244 SH       SOLE                     3244        0        0
SUN MICROSYSTEMS INC        COM                 866810104       24     4150 SH       SOLE                     3400        0      750
SUN MICROSYSTEMS INC        COM                 866810104        0       65 SH       DEFINED                    65        0        0
SUNTRUST BANKS INC          COM                 867914103      182     2200 SH       SOLE                     2200        0        0
SUNTRUST BANKS INC          COM                 867914103       91     1100 SH       DEFINED                     0        0     1100
SUPERVALU INC               COM                 868536103        6      163 SH       SOLE                      163        0        0
SYMANTEC CORP               COM                 871503108        6      368 SH       SOLE                      368        0        0
SYNOVUS FINL CORP           COM                 87161C105       21      675 SH       SOLE                        0        0      675
SYSCO CORP                  COM                 871829107     1610    47608 SH       SOLE                    43808        0     3800
SYSCO CORP                  COM                 871829107       11      350 SH       DEFINED                   350        0        0
TD BANKNORTH INC            COM                 87235A101        4      147 SH       SOLE                      147        0        0
TECO ENERGY INC                                 872375100       26     1524 SH       SOLE                      824        0      700
TEPPCO PARTNERS LP                              872384102       31      700 SH       SOLE                      700        0        0
TXU CORP                    COM                 873168108       74     1160 SH       SOLE                     1160        0        0
TARGET CORP                 COM                 87612E106     4362    73614 SH       SOLE                    69484        0     4130
TARGET CORP                 COM                 87612E106      112     1905 SH       DEFINED                  1605        0      300
TELECOM ITALIA SPA ADSNEW                       87927Y102       20      722 SH       SOLE                      722        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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
TELECOM CORP NEW ZEALAND
 LTD                        SPONSORED ADR       879278208       22      815 SH       SOLE                      815        0        0
TELSTRA CORP LTD            SPON ADR FINAL      87969N204       25     1376 SH       SOLE                     1376        0        0
TEMPLETON GLOBAL INC FD     C/C                 880198106        8      900 SH       SOLE                      900        0        0
TENNECO INC                 COM                 880349105        6      250 SH       SOLE                      250        0        0
TEREX CORP                                      880779103      125     1750 SH       SOLE                     1750        0        0
TEXAS INSTRS INC            COM                 882508104     1853    61610 SH       SOLE                    57400        0     4210
TEXAS INSTRS INC            COM                 882508104       60     2000 SH       DEFINED                   800        0     1200
THERMO ELECTRON CORP        COM                 883556102       70     1500 SH       DEFINED                  1500        0        0
THORNBURG MORTGAGE INC                          885218107        2      100 SH       DEFINED                   100        0        0
3COM CORP                   COM                 885535104        3      800 SH       SOLE                      800        0        0
3M COMPANY                  COM                 88579Y101     4167    54531 SH       SOLE                    51201        0     3330
3M COMPANY                  COM                 88579Y101      265     3475 SH       DEFINED                  2475        0     1000
TIME WARNER INC             COM                 887317105      115     5840 SH       SOLE                     5510        0      330
TIME WARNER INC             COM                 887317105      162     8255 SH       DEFINED                   155        0     8100
TOMPKINS TRUSTCO INC                            890110109    39892   952995 SH       SOLE                   934419        0    18576
TOMPKINS TRUSTCO INC                            890110109     2471    59051 SH       DEFINED                 59051        0        0
TORCHMARK CORP              COM                 891027104       96     1465 SH       SOLE                     1465        0        0
TORONTO DOMINION BK ONT     COM NEW ADR         891160509        4       70 SH       SOLE                       70        0        0
TRAVELERS COS INC           COM                 89417E109      217     4195 SH       SOLE                     4195        0        0
TRAVELERS COS INC           COM                 89417E109       68     1323 SH       DEFINED                    25        0     1298
TRAVELCENTERS AMER LLC      SH BEN INT          894174101        1       51 SH       SOLE                       51        0        0
TYCO INTL LTD NEW           COM                 902124106      243     7735 SH       DEFINED                    35        0     7700
UST INC                     COM                 902911106       24      422 SH       SOLE                      322        0      100
US BANCORP DEL              COM NEW             902973304       22      652 SH       SOLE                      652        0        0
UNDER ARMOUR INC.                               904311107       15      300 SH       SOLE                      300        0        0
UNILEVER PLC AMER SHS       ADR                 904767704       17      580 SH       SOLE                      580        0        0
UNILEVER N V                N Y SHS NEW         904784709      153     5252 SH       SOLE                     5252        0        0
UNION PAC CORP              COM                 907818108       38      375 SH       SOLE                      375        0        0
UNION PAC CORP              COM                 907818108      101     1000 SH       DEFINED                     0        0     1000
UNITED PARCEL SERVICE INC   CL B                911312106     3430    48932 SH       SOLE                    46052        0     2880
UNITED PARCEL SERVICE INC   CL B                911312106       56      800 SH       DEFINED                   800        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     4004    61604 SH       SOLE                    58739        0     2865
UNITED TECHNOLOGIES CORP    COM                 913017109       58      906 SH       DEFINED                   756        0      150


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
UNITED UTILS PLC            SPONSORED ADR       91311Q105       26      889 SH       SOLE                      889        0        0
UNITEDHEALTH GROUP INC                          91324P102     4436    83761 SH       SOLE                    79534        0     4227
UNITEDHEALTH GROUP INC                          91324P102      280     5300 SH       DEFINED                  1325        0     3975
V F CORP                    COM                 918204108      173     2105 SH       SOLE                     2105        0        0
V F CORP                    COM                 918204108        0       12 SH       DEFINED                    12        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      115     1785 SH       SOLE                     1785        0        0
VAN KAMPEN AMERICAN
 CAPITAL MUNICIPAL TRUST                        920919107       21     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       40     2400          SOLE                     2400        0        0
VAN KAMPEN MUNICIPAL
 OPPORTUNITY TR                                 920935103       21     1393          SOLE                     1393        0        0
VECTREN CORP                COM                 92240G101       33     1170 SH       SOLE                     1170        0        0
VERIZON COMMUNICATIONS      COM                 92343V104     2517    66412 SH       SOLE                    61062        0     5350
VERIZON COMMUNICATIONS      COM                 92343V104       18      495 SH       DEFINED                   495        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       13     1000 SH       SOLE                     1000        0        0
W.P. CAREY & CO LLC                             92930Y107       18      555 SH       SOLE                      555        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       88     1617 SH       SOLE                     1617        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       60     1100 SH       DEFINED                     0        0     1100
WAL-MART STORES INC         COM                 931142103      660    14076 SH       SOLE                    13576        0      500
WAL-MART STORES INC         COM                 931142103      204     4350 SH       DEFINED                  4350        0        0
WALGREEN CO                 COM                 931422109      191     4184 SH       SOLE                     4184        0        0
WASHINGTON MUT INC          COM                 939322103       43     1078 SH       SOLE                     1078        0        0
WASTE MGMT INC DEL          COM                 94106L109      218     6356 SH       SOLE                     6356        0        0
WASTE MGMT INC DEL          COM                 94106L109       42     1225 SH       DEFINED                     0        0     1225
WAVE SYSTEMS CORP           COM NEW             943526301        8     3000 SH       SOLE                     3000        0        0
WELLPOINT INC               COM                 94973V107      598     7375 SH       SOLE                     7285        0       90
WELLPOINT INC               COM                 94973V107        3       47 SH       DEFINED                    47        0        0
WELLS FARGO & CO NEW        COM                 949746101     3092    89813 SH       SOLE                    85758        0     4055
WELLS FARGO & CO NEW        COM                 949746101       44     1300 SH       DEFINED                  1300        0        0
WESTAR ENERGY INC           COM                 95709T100       30     1100 SH       SOLE                     1100        0        0
WESTERN UN CO               COM                 959802109       13      595 SH       SOLE                      595        0        0
WINDSTREAM CORP                                 97381W104       26     1793 SH       SOLE                     1793        0        0
WINDSTREAM CORP                                 97381W104       21     1447 SH       DEFINED                     0        0     1447


                                       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
--------------------------- ----------------    --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                        
WISCONSIN ENERGY CORP       COM                 976657106       15      325 SH       SOLE                      325        0        0
WRIGLEY WM JR CO            COM                 982526105        5      101 SH       DEFINED                   101        0        0
WYETH                       COM                 983024100      249     4988 SH       SOLE                     4908        0       80
WYETH                       COM                 983024100      175     3500 SH       DEFINED                  1500        0     2000
WYNN RESORTS, LTD                               983134107        0        3 SH       DEFINED                     3        0        0
XM SATELLITE RADIO HLDGS
 INC                        CL A                983759101        2      200 SH       SOLE                      200        0        0
XTO ENERGY CORP             COM                 98385X106       97     1780 SH       SOLE                     1780        0        0
XCEL ENERGY INC                                 98389B100       29     1211 SH       SOLE                      611        0      600
XEROX CORP                  COM                 984121103      145     8621 SH       SOLE                     8621        0        0
YAHOO INC                   COM                 984332106      173     5550 SH       DEFINED                     0        0     5550
ZIMMER HLDGS INC            COM                 98956P102        8      100 SH       SOLE                      100        0        0
ZIONS BANCORPORATION        COM                 989701107       50      600 SH       SOLE                        0        0      600

 GRAND TOTALS                                               319141  6758034                                6154176        0   603858




                                       19