FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
ACE LTD                                         G0070K103       37      600 SH       SOLE                      600        0        0
ASPEN INSURANCE HOLDING USD                     G05384105        8      300 SH       SOLE                      300        0        0
COOPER INDUSTRIES LTD       CLASS A             G24182100       86     1520 SH       SOLE                     1520        0        0
GARMIN CORP                                     G37260109       73     1000 SH       DEFINED                  1000        0        0
INGERSOLL-RAND CO           COM                 G4776G101        1       25 SH       DEFINED                    25        0        0
NOBLE CORP                  COM                 G65422100     2122    21760 SH       SOLE                    20285        0     1475
NOBLE CORP                  COM                 G65422100       14      150 SH       DEFINED                   150        0        0
SEAGATE TECHNOLOGY                              G7945J104       63     2900 SH       DEFINED                     0        0     2900
WEATHERFORD INTL LTD                            G95089101       61     1120 SH       SOLE                     1120        0        0
XL CAP LTD                  CL A                G98255105       37      444 SH       SOLE                      444        0        0
XL CAP LTD                  CL A                G98255105        1       21 SH       DEFINED                    21        0        0
ALCON INC.                                      H01301102        2       16 SH       DEFINED                    16        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102        1      125 SH       DEFINED                   125        0        0
VERIGY LTD                                      Y93691106        1       37 SH       SOLE                       37        0        0
AFLAC INC                   COM                 001055102      357     6960 SH       SOLE                     4800        0     2160
AES CORP                    COM                 00130H105      234    10700 SH       DEFINED                     0        0    10700
AT&T INC                    COM                 00206R102     7866   189560 SH       SOLE                   170134        0    19426
AT&T INC                    COM                 00206R102      490    11811 SH       DEFINED                  9426        0     2385
ABBOTT LABS                 COM                 002824100     4361    81457 SH       SOLE                    75972        0     5485
ABBOTT LABS                 COM                 002824100      111     2080 SH       DEFINED                  1080        0     1000
ADOBE SYS INC               COM                 00724F101       92     2300 SH       SOLE                     2300        0        0
ADOBE SYS INC               COM                 00724F101        0       10 SH       DEFINED                    10        0        0
AETNA INC NEW               COM                 00817Y108      184     3725 SH       DEFINED                     0        0     3725
AGILENT TECHNOLOGIES INC    COM                 00846U101       11      305 SH       SOLE                      305        0        0
AIR PRODS & CHEMS INC       COM                 009158106      104     1301 SH       SOLE                     1246        0       55
AIR PRODS & CHEMS INC       COM                 009158106        0        4 SH       DEFINED                     4        0        0
AKAMAI TECHNOLOGIES                             00971T101        0        9 SH       DEFINED                     9        0        0
ALCOA INC                   COM                 013817101     2423    59810 SH       SOLE                    56310        0     3500
ALCOA INC                   COM                 013817101       66     1640 SH       DEFINED                  1640        0        0



                                       1




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
ALCATEL-LUCENT ADR                              013904305       19     1390 SH       SOLE                     1390        0        0
ALLEGHENY TECHNOLOGIES INC  COM                 01741R102       76      725 SH       SOLE                      725        0        0
ALLIANCE NY MUNI FUND                           018714105        7      500          SOLE                      500        0        0
ALLIANT ENERGY                                  018802108        7      200 SH       SOLE                      200        0        0
ALLIED CAPITAL CORP                             01903Q108       11      375 SH       SOLE                      375        0        0
ALLIANCE FINL CORP                              019205103     1533    58201 SH       SOLE                    58201        0        0
ALLIANCE FINL CORP                              019205103      105     4000 SH       DEFINED                  4000        0        0
ALLSTATE CORP               COM                 020002101       15      244 SH       SOLE                      244        0        0
ALLSTATE CORP               COM                 020002101        9      150 SH       DEFINED                   150        0        0
ALLTEL CORP                 COM                 020039103      141     2100 SH       SOLE                     2100        0        0
ALLTEL CORP                 COM                 020039103       94     1400 SH       DEFINED                     0        0     1400
ALTRIA GROUP INC            COM                 02209S103      934    13328 SH       SOLE                    12828        0      500
ALTRIA GROUP INC            COM                 02209S103      105     1500 SH       DEFINED                  1500        0        0
AMAZON COM INC              COM                 023135106      355     5200 SH       DEFINED                     0        0     5200
AMBAC FINL GROUP INC        COM                 023139108      213     2450 SH       SOLE                     2450        0        0
AMEREN CORP                 COM                 023608102       64     1317 SH       SOLE                     1317        0        0
AMERICA MOVIL S A B DE C V  SPON ADR L SHS      02364W105        0       15 SH       DEFINED                    15        0        0
AMERICAN EXPRESS CO         COM                 025816109     2420    39561 SH       SOLE                    36911        0     2650
AMERICAN EXPRESS CO         COM                 025816109       30      500 SH       DEFINED                   500        0        0
AMERICAN FINANCIAL REALTY   TRUST               02607P305        7      699 SH       SOLE                      699        0        0
AMERICAN INTL GROUP INC     COM                 026874107     4156    59359 SH       SOLE                    56049        0     3310
AMERICAN INTL GROUP INC     COM                 026874107      514     7342 SH       DEFINED                  4675        0     2667
AMERISOURCEBERGEN CORP                          03073E105      156     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      375     6795 SH       SOLE                     5760        0     1035
AMGEN INC                   COM                 031162100       17      325 SH       DEFINED                   325        0        0
AMYLIN PHARMACEUTICALS INC                      032346108       10      250 SH       SOLE                      250        0        0
ANADARKO PETE CORP          COM                 032511107       22      430 SH       SOLE                      430        0        0
ANADARKO PETE CORP          COM                 032511107       83     1600 SH       DEFINED                     0        0     1600
ANHEUSER-BUSCH COMPANIES    COM                 035229103      225     4330 SH       SOLE                     3730        0      600
AON CORP                    COM                 037389103       51     1200 SH       DEFINED                     0        0     1200
APACHE CORP                                     037411105     3645    44685 SH       SOLE                    42330        0     2355
APACHE CORP                                     037411105       26      325 SH       DEFINED                   325        0        0


                                       2




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
APPLE INC COM               COM                 037833100       12      100 SH       SOLE                      100        0        0
APPLE INC COM               COM                 037833100        5       43 SH       DEFINED                    43        0        0
APPLIED MATLS INC           COM                 038222105      296    14920 SH       SOLE                    14920        0        0
AQUA AMER INC                                   03836W103       11      500 SH       SOLE                      500        0        0
ARCELOR MITTAL CL A         N Y REGISTRY SH     03937E101        2       35 SH       DEFINED                    35        0        0
ARCHER DANIELS MIDLAND CO   COM                 039483102      283     8575 SH       SOLE                     8575        0        0
AUTOLIV INC                 COM                 052800109        0       10 SH       DEFINED                    10        0        0
AUTOMATIC DATA PROCESSING                       053015103      310     6400 SH       SOLE                     6400        0        0
AUTOMATIC DATA PROCESSING                       053015103       96     2000 SH       DEFINED                  2000        0        0
AUTOZONE INC                                    053332102      183     1340 SH       SOLE                     1340        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
BP AMOCO P L C              SPONSORED ADR       055622104      533     7391 SH       SOLE                     7391        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      210     2918 SH       DEFINED                  1606        0     1312
BMC SOFTWARE INC                                055921100      121     4010 SH       SOLE                     4010        0        0
BAKER HUGHES INC            COM                 057224107       59      706 SH       DEFINED                     6        0      700
BANK OF AMERICA CORPORATION COM                 060505104     5609   114760 SH       SOLE                   108317        0     6443
BANK OF AMERICA CORPORATION COM                 060505104      276     5656 SH       DEFINED                  3196        0     2460
BANK NEW YORK INC           COM                 064057102      107     2600 SH       SOLE                     2100        0      500
BAXTER INTL INC             COM                 071813109        5      100 SH       SOLE                      100        0        0
BEAZER HOMES USA INC        COM                 07556Q105       15      625 SH       DEFINED                     0        0      625
BECTON DICKINSON & CO       COM                 075887109       89     1200 SH       SOLE                     1200        0        0
BERKSHIRE HATHAWAY INC DEL  CL A                084670108      109        1 SH       SOLE                        0        0        1
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       46       13 SH       SOLE                       13        0        0
BIG LOTS INC                                    089302103       28      965 SH       SOLE                      965        0        0
BIOMET INC                  COM                 090613100        4      100 SH       SOLE                      100        0        0
BIOGEN IDEC INC                                 09062X103       42      800 SH       SOLE                      350        0      450
BLACK & DECKER CORP         COM                 091797100       62      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
BLACKROCK ENHANCED DIVID    ACHIEVERS TR COM    09251A104        3      250 SH       SOLE                      250        0        0
BOEING CO                   COM                 097023105      563     5860 SH       SOLE                     5860        0        0
BOEING CO                   COM                 097023105        3       33 SH       DEFINED                    33        0        0


                                       3




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
BORG WARNER INC                                 099724106        0        7 SH       DEFINED                     7        0        0
BOSTON PPTYS INC                                101121101      231     2270 SH       SOLE                     2270        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      346    10969 SH       SOLE                     9469        0     1500
BRISTOL MYERS SQUIBB CO     COM                 110122108      113     3600 SH       DEFINED                  1600        0     2000
BROADCOM CORP               CL A                111320107        1       52 SH       DEFINED                    52        0        0
BROADRIDGE FINL SOLUTIONS   INC                 11133T103       28     1499 SH       SOLE                     1499        0        0
BROADRIDGE FINL SOLUTIONS   INC                 11133T103        9      500 SH       DEFINED                   500        0        0
BROWN FORMAN CORP           CL B                115637209      146     2000 SH       DEFINED                     0        0     2000
BURLINGTON NORTHN SANTA FE CCOM                 12189T104      102     1200 SH       SOLE                     1200        0        0
CBS CORP NEW CL B                               124857202     2516    75552 SH       SOLE                    70770        0     4782
CBS CORP NEW CL B                               124857202       53     1607 SH       DEFINED                   857        0      750
CB RICHARD ELLIS GROUP                          12497T101      104     2870 SH       SOLE                     2870        0        0
CH ENERGY GROUP INC                             12541M102       26      600 SH       SOLE                      600        0        0
CIGNA CORP                  COM                 125509109      146     2805 SH       SOLE                     2805        0        0
CA INC COM                                      12673P105       62     2425 SH       DEFINED                     0        0     2425
CALLAWAY GOLF CO                                131193104        1      110 SH       SOLE                      110        0        0
CAMPBELL SOUP CO            COM                 134429109       36      950 SH       SOLE                      950        0        0
CAMPBELL SOUP CO            COM                 134429109       50     1300 SH       DEFINED                     0        0     1300
CAPITAL ONE FINANCIAL CORP                      14040H105      244     3120 SH       SOLE                     3120        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105       80     1025 SH       DEFINED                     0        0     1025
CAPSTON TURBINE CORP                            14067D102        0      500 SH       SOLE                      500        0        0
CARDINAL HEALTH INC         COM                 14149Y108      186     2638 SH       SOLE                     2638        0        0
CARNIVAL CORP                                   143658300      185     3800 SH       SOLE                     3800        0        0
CATERPILLAR INC DEL         COM                 149123101      817    10437 SH       SOLE                    10327        0      110
CATERPILLAR INC DEL         COM                 149123101       39      500 SH       DEFINED                   500        0        0
CELGENE CORP                                    151020104        0       10 SH       DEFINED                    10        0        0
CENTEX CORP                 COM                 152312104       58     1450 SH       DEFINED                     0        0     1450
CEPHALON INC                                    156708109       47      593 SH       SOLE                      593        0        0
CHARMING SHOPPES INC                            161133103        3      290 SH       SOLE                      290        0        0
CHEMED CORP INC                                 16359R103       11      170 SH       SOLE                      170        0        0
CHEVRON CORPORATION NEW                         166764100     3840    45596 SH       SOLE                    42851        0     2745
CHEVRON CORPORATION NEW                         166764100      265     3156 SH       DEFINED                   890        0     2266
CHICAGO MERCANTILE EXC                          167760107        1        3 SH       DEFINED                     3        0        0


                                       4




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
CHUBB CORP                  COM                 171232101      406     7510 SH       SOLE                     7510        0        0
CHUBB CORP                  COM                 171232101       32      600 SH       DEFINED                     0        0      600
CISCO SYS INC               COM                 17275R102     4660   167402 SH       SOLE                   157687        0     9715
CISCO SYS INC               COM                 17275R102      213     7685 SH       DEFINED                  4035        0     3650
CITADEL BROADCASTING CORP                       17285T106        9     1415 SH       SOLE                     1415        0        0
CITADEL BROADCASTING CORP                       17285T106        0      153 SH       DEFINED                     0        0      153
CITIGROUP INC                                   172967101     5045    98371 SH       SOLE                    92877        0     5494
CITIGROUP INC                                   172967101      236     4609 SH       DEFINED                  2159        0     2450
CITIZENS COMMUNICATION CO                       17453B101        7      502 SH       SOLE                      502        0        0
CLOROX CO DEL               COM                 189054109      261     4210 SH       SOLE                     4210        0        0
CLOROX CO DEL               COM                 189054109       75     1220 SH       DEFINED                    20        0     1200
COCA COLA CO                COM                 191216100     2551    48782 SH       SOLE                    45652        0     3130
COCA COLA CO                COM                 191216100      133     2550 SH       DEFINED                  1050        0     1500
COLGATE PALMOLIVE CO        COM                 194162103        5       80 SH       SOLE                       80        0        0
COLGATE PALMOLIVE CO        COM                 194162103      129     2000 SH       DEFINED                     0        0     2000
COMCAST CORP NEW CL A                           20030N101       60     2163 SH       SOLE                     2163        0        0
COMCAST CORP NEW CL A                           20030N101       38     1356 SH       DEFINED                     0        0     1356
COMCAST CORP NEW                                20030N200       45     1625 SH       DEFINED                   125        0     1500
COMERICA INC                COM                 200340107       10      171 SH       SOLE                      171        0        0
COMMERCIAL METALS CO        COM                 201723103       72     2140 SH       SOLE                     2140        0        0
COMPUTER SCIENCES CORP      COM                 205363104      308     5210 SH       SOLE                     5025        0      185
CONAGRA FOODS INC           COM                 205887102       56     2100 SH       SOLE                     2100        0        0
CONAGRA FOODS INC           COM                 205887102       40     1500 SH       DEFINED                     0        0     1500
CONEXANT SYSTEMS INC        COM                 207142100        0      600 SH       SOLE                      600        0        0
CONOCOPHILLIPS                                  20825C104      721     9191 SH       SOLE                     8507        0      684
CONSOLIDATED EDISON INC                         209115104      100     2231 SH       SOLE                     2231        0        0
CONSTELLATION ENERGY CORP   COM                 210371100      102     1175 SH       DEFINED                    25        0     1150
CONVERGYS CORP              COM                 212485106      157     6515 SH       SOLE                     6515        0        0
CORN PRODS INTL INC         COM                 219023108        6      150 SH       SOLE                      150        0        0
CORNING INC                 COM                 219350105      209     8208 SH       SOLE                     8208        0        0
CORNING INC                 COM                 219350105        9      384 SH       DEFINED                   384        0        0
COSTCO WHSL CORP NEW        COM                 22160K105     3832    65495 SH       SOLE                    62015        0     3480
COSTCO WHSL CORP NEW        COM                 22160K105      160     2750 SH       DEFINED                  2750        0        0


                                       5



                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
COUNTRYWIDE FINANCIAL CORP                      222372104      143     3945 SH       DEFINED                    45        0     3900
CREDIT SUISSE GROUP         SPONSORED ADR       225401108        2       30 SH       DEFINED                    30        0        0
CUMMINS INC                 COM                 231021106      385     3805 SH       SOLE                     3805        0        0
DNP SELECT INC FD INC       COM                 23325P104       21     2000 SH       SOLE                     2000        0        0
DANAHER CORP DEL            COM                 235851102      145     1925 SH       SOLE                     1925        0        0
DEERE & CO                  COM                 244199105        0        2 SH       DEFINED                     2        0        0
DEL MONTE FOODS                                 24522P103        1       89 SH       SOLE                       89        0        0
DELL INC                                        24702R101        6      225 SH       SOLE                      225        0        0
DENTSPLY INTL INC NEW       COM                 249030107       20      530 SH       SOLE                      530        0        0
DEUTSCHE TELEKOM AG                             251566105       23     1252 SH       SOLE                     1252        0        0
THE DIRECTV GROUP INC.                          25459L106      184     7965 SH       SOLE                     7965        0        0
THE DIRECTV GROUP INC.                          25459L106       92     4000 SH       DEFINED                     0        0     4000
DISNEY WALT CO              COM DISNEY          254687106      631    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      165     1912 SH       SOLE                     1912        0        0
DOVER CORP                  COM                 260003108      179     3500 SH       SOLE                     3500        0        0
DOW CHEM CO                 COM                 260543103       73     1665 SH       SOLE                     1665        0        0
DOW CHEM CO                 COM                 260543103        1       40 SH       DEFINED                    40        0        0
DOW JONES & CO INC          COM                 260561105       74     1300 SH       DEFINED                     0        0     1300
DUPONT E I DE NEMOURS & CO  COM                 263534109      463     9123 SH       SOLE                     9123        0        0
DUPONT E I DE NEMOURS & CO  COM                 263534109       71     1400 SH       DEFINED                     0        0     1400
DUKE ENERGY HOLDING CORP    COM                 26441C105       73     4024 SH       SOLE                     3724        0      300
DUKE ENERGY HOLDING CORP    COM                 26441C105       45     2500 SH       DEFINED                     0        0     2500
E M C CORP MASS             COM                 268648102       24     1329 SH       SOLE                     1329        0        0
ENSCO INTERNATIONAL                             26874Q100       78     1290 SH       SOLE                     1290        0        0
ENI SPA SPONSER ADR                             26874R108       27      376 SH       SOLE                      376        0        0
EASTMAN CHEM CO             COM                 277432100       32      502 SH       SOLE                      502        0        0
EASTMAN KODAK CO            COM                 277461109       49     1762 SH       SOLE                     1762        0        0
EASTMAN KODAK CO            COM                 277461109      171     6175 SH       DEFINED                     0        0     6175
EATON VANCE CORP            COM                 278058102       74      800 SH       SOLE                      800        0        0
EATON VANCE CORP            COM                 278058102      120     1300 SH       DEFINED                     0        0     1300
EBAY INC                    COM                 278642103      132     4110 SH       DEFINED                    10        0     4100
ECOLAB INC                  COM                 278865100       46     1100 SH       SOLE                     1100        0        0


                                       6



                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
EDWARDS AG INC              COM                 281760108      249     2950 SH       SOLE                     2950        0        0
EL PASO ENERGY CORP DEL     COM                 28336L109       11      644 SH       SOLE                      644        0        0
ELECTRONIC ARTS INC         COM                 285512109       72     1525 SH       DEFINED                     0        0     1525
ELECTRONIC DATA SYS NEW     COM                 285661104        2      100 SH       SOLE                      100        0        0
EMBARQ CORP SER 1                               29078E105        5       87 SH       SOLE                       87        0        0
EMBARQ CORP SER 1                               29078E105        3       60 SH       DEFINED                     0        0       60
EMERSON ELEC CO             COM                 291011104     2512    53704 SH       SOLE                    50019        0     3685
EMERSON ELEC CO             COM                 291011104       61     1306 SH       DEFINED                  1306        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      129     4965 SH       SOLE                     4865        0      100
ENERGIZER HLDGS INC         COM                 29266R108       13      140 SH       DEFINED                     0        0      140
ENTERGY CORP NEW            COM                 29364G103      407     3795 SH       SOLE                     3795        0        0
EQUITY FUND                                     294700703       75      600 SH       SOLE                      600        0        0
ERICSSON TELEPHONE CO       ADR                 294821608       57     1432 SH       SOLE                     1432        0        0
ERICSSON TELEPHONE CO       ADR                 294821608       12      320 SH       DEFINED                   320        0        0
EXELON CORP                 COM                 30161N101     4811    66276 SH       SOLE                    61526        0     4750
EXELON CORP                 COM                 30161N101       67      925 SH       DEFINED                   925        0        0
EXPEDIA INC DEL                                 30212P105      128     4400 SH       DEFINED                     0        0     4400
EXPEDITORS INTL WASH INC    COM                 302130109       16      400 SH       SOLE                      400        0        0
EXXON MOBIL CORP            COM                 30231G102    12590   150098 SH       SOLE                   137331        0    12767
EXXON MOBIL CORP            COM                 30231G102     1793    21379 SH       DEFINED                 18283        0     3096
FPL GROUP INC               COM                 302571104       41      724 SH       SOLE                      324        0      400
FPL GROUP INC               COM                 302571104       11      200 SH       DEFINED                     0        0      200
FEDERAL HOME LN MTGE COMPANY                    313400301        3       53 SH       DEFINED                    53        0        0
FEDERAL NATIONAL MTGE ASSOC COM                 313586109      104     1600 SH       SOLE                     1600        0        0
FEDERAL NATIONAL MTGE ASSOC COM                 313586109        2       35 SH       DEFINED                    35        0        0
FIDELITY NATIONAL FINANCIAL                     31620R105        0       25 SH       DEFINED                    25        0        0
FIFTH THIRD BANCORP         COM                 316773100      143     3612 SH       SOLE                     3612        0        0
FIRST DATA CORP             COM                 319963104       13      400 SH       SOLE                      400        0        0
FIRST HORIZON NATL CORP                         320517105       39     1006 SH       SOLE                     1006        0        0
FIRST INDUSTRIAL REALTY TRUSCOM                 32054K103        7      197 SH       SOLE                      197        0        0


                                       7



                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
FIRST NIAGARA FINL INC                          33582V108       13     1011 SH       SOLE                     1011        0        0
FIRSTENERGY CORP            COM                 337932107      127     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      212     4660 SH       SOLE                     4660        0        0
FRANCE TELECOM              SPNSD ADR           35177Q105       11      404 SH       SOLE                      404        0        0
FRANKLIN RESOURCES INC.                         354613101      249     1885 SH       SOLE                     1885        0        0
FRANKLIN RESOURCES INC.                         354613101        2       20 SH       DEFINED                    20        0        0
GALLAGHER ARTHUR J & CO     COM                 363576109       17      639 SH       SOLE                      639        0        0
GANNETT INC                 COM                 364730101      199     3628 SH       SOLE                     3628        0        0
GANNETT INC                 COM                 364730101       76     1400 SH       DEFINED                     0        0     1400
GENENTECH INC               COM NEW             368710406       70      931 SH       SOLE                      931        0        0
GENENTECH INC               COM NEW             368710406        1       19 SH       DEFINED                    19        0        0
GENERAL ELECTRIC CO         COM                 369604103     9534   249139 SH       SOLE                   229644        0    19495
GENERAL ELECTRIC CO         COM                 369604103      449    11739 SH       DEFINED                  6839        0     4900
GENERAL MLS INC             COM                 370334104       87     1500 SH       DEFINED                     0        0     1500
GENERAL MTRS CORP           COM                 370442105       18      488 SH       SOLE                      388        0      100
GENERAL MTRS CORP           COM                 370442105       26      700 SH       DEFINED                     0        0      700
GENUINE PARTS CO            COM                 372460105       49     1000 SH       SOLE                     1000        0        0
GENUINE PARTS CO            COM                 372460105       74     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      272     7020 SH       SOLE                     7020        0        0
GILEAD SCIENCES INC         COM                 375558103        2       60 SH       DEFINED                    60        0        0
GLAXO HOLDINGS PLC          SPONSORED ADR       37733W105      149     2850 SH       SOLE                     2850        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104     4593    21191 SH       SOLE                    20241        0      950
GOLDMAN SACHS GROUP INC     COM                 38141G104       23      107 SH       DEFINED                    57        0       50
GOOGLE INC                                      38259P508      112      215 SH       SOLE                      215        0        0
GOOGLE INC                                      38259P508      245      469 SH       DEFINED                     9        0      460
GRAINGER W W INC            COM                 384802104      204     2200 SH       SOLE                     2200        0        0
GREAT PLAINS ENERGY INC     COM                 391164100       61     2100 SH       SOLE                     2100        0        0
HRPT PPTYS TR               COM SH BEN INT      40426W101        7      689 SH       SOLE                      689        0        0
HALLIBURTON CO              COM                 406216101       29      866 SH       SOLE                      866        0        0
HALLIBURTON CO              COM                 406216101        0       25 SH       DEFINED                    25        0        0


                                       8




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
JOHN HANCOCK PFD INC FD II                      41013X106       23     1000 SH       SOLE                        0        0     1000
HARDINGE INC                COM                 412324303       30      900 SH       SOLE                      900        0        0
HARLEY DAVIDSON INC         COM                 412822108     2083    34950 SH       SOLE                    32800        0     2150
HARLEY DAVIDSON INC         COM                 412822108       87     1475 SH       DEFINED                  1475        0        0
HASBRO INC                  COM                 418056107       49     1585 SH       SOLE                     1585        0        0
HASBRO INC                  COM                 418056107       78     2500 SH       DEFINED                     0        0     2500
HEALTH CARE PPTY INVS                           421915109       11      400 SH       SOLE                      400        0        0
HEALTH NET INC              A                   42222G108       88     1675 SH       DEFINED                     0        0     1675
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      159     3150 SH       SOLE                     3150        0        0
HESS CORP COM                                   42809H107      212     3600 SH       DEFINED                     0        0     3600
HEWLETT PACKARD CO          COM                 428236103     3377    75702 SH       SOLE                    71791        0     3911
HEWLETT PACKARD CO          COM                 428236103      261     5864 SH       DEFINED                  1910        0     3954
HILTON HOTELS CORP          COM                 432848109        0       25 SH       DEFINED                    25        0        0
HOME DEPOT INC              COM                 437076102     4291   109094 SH       SOLE                   102514        0     6580
HOME DEPOT INC              COM                 437076102      398    10125 SH       DEFINED                  5425        0     4700
HONEYWELL INTL INC          COM                 438516106      190     3390 SH       SOLE                     3260        0      130
HONEYWELL INTL INC          COM                 438516106        1       22 SH       DEFINED                    22        0        0
HOSPITALITY PROPERTIES      TRUST               44106M102       46     1128 SH       SOLE                     1128        0        0
HUMANA INC                  COM                 444859102      189     3115 SH       SOLE                     3115        0        0
IAC/INTERACTIVE CORP                            44919P300      132     3825 SH       DEFINED                     0        0     3825
ING CLARION GL REAL ESTATE                      44982G104       13      700 SH       SOLE                      700        0        0
IDEARC INC                  COM                 451663108       20      582 SH       SOLE                      483        0       99
IDEARC INC                  COM                 451663108        0        2 SH       DEFINED                     2        0        0
ILLINOIS TOOL WKS INC       COM                 452308109     2396    44234 SH       SOLE                    41649        0     2585
ILLINOIS TOOL WKS INC       COM                 452308109      124     2300 SH       DEFINED                  2300        0        0
INTEL CORP                  COM                 458140100     4893   206226 SH       SOLE                   193091        0    13135
INTEL CORP                  COM                 458140100      200     8440 SH       DEFINED                  7840        0      600
INTEGRYS ENERGY GROUP INC   COM                 45822P105       43      865 SH       SOLE                      565        0      300
INTERNATIONAL BUSINESS
 MACHS                      COM                459200101     5047    47962 SH       SOLE                    45575        0     2387
INTERNATIONAL BUSINESS
 MACHS                      COM                459200101      223     2125 SH       DEFINED                  1425        0      700
INTERNATIONAL FLAVORS&
 FRAGRA                     COM                 459506101      172     3305 SH       SOLE                     3305        0        0
INTERNATIONAL FLAVORS&
 FRAGRA                     COM                 459506101       52     1000 SH       DEFINED                     0        0     1000


                                       9




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
INTL PAPER CO               COM                 460146103       82     2110 SH       DEFINED                     0        0     2110
ISHARES TR MSCI EAFE INDX FDADR                 464287465    15354   190098 SH       SOLE                   186898        0     3200
ISHARES TR MSCI EAFE INDX FDADR                 464287465       80     1000 SH       DEFINED                  1000        0        0
ISHARES TR S& P MIDCAP 400                      464287507     9523   106666 SH       SOLE                   105491        0     1175
ISHARES TR S& P MIDCAP 400                      464287507       31      350 SH       DEFINED                   350        0        0
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648     5203    60609 SH       SOLE                    59939        0      670
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648       21      250 SH       DEFINED                   250        0        0
ISHARES TR SMALLCAP FD                          464287804       71     1005 SH       SOLE                     1005        0        0
JDS UNIPHASE CORP COM                           46612J507        0       12 SH       SOLE                       12        0        0
J P MORGAN CHASE & CO                           46625H100     2867    59182 SH       SOLE                    55887        0     3295
J P MORGAN CHASE & CO                           46625H100      393     8122 SH       DEFINED                   777        0     7345
JOHNSON & JOHNSON           COM                 478160104     5530    89760 SH       SOLE                    83290        0     6470
JOHNSON & JOHNSON           COM                 478160104      441     7160 SH       DEFINED                  4910        0     2250
JOHNSON CTLS INC            COM                 478366107      518     4475 SH       SOLE                     4475        0        0
JONES APPAREL GROUP INC     COM                 480074103       50     1770 SH       SOLE                     1770        0        0
KB HOME                     COM                 48666K109        0       15 SH       DEFINED                    15        0        0
KELLOGG CO                  COM                 487836108      280     5425 SH       SOLE                     5425        0        0
KEYCORP NEW                 COM                 493267108      122     3565 SH       SOLE                     3565        0        0
KEYSPAN CORP                COM                 49337W100       46     1100 SH       SOLE                     1100        0        0
KIMBERLY CLARK CORP         COM                 494368103        6      100 SH       SOLE                      100        0        0
KIMBERLY CLARK CORP         COM                 494368103       66     1000 SH       DEFINED                     0        0     1000
KINDER MORGAN ENERGY
 PARTNER LTD                PARTNER             494550106      100     1826 SH       SOLE                     1826        0        0
KING PHARMACEUTICALS INC                        495582108      110     5395 SH       SOLE                     5395        0        0
KOHLS CORP                  COM                 500255104        1       24 SH       DEFINED                    24        0        0
KONINKLIJKE PHILIPS ELECTRS NV SP ADR           500472303       46     1101 SH       SOLE                     1101        0        0
KRAFT FOODS INC             CL A                50075N104      300     8511 SH       SOLE                     8165        0      346
KRAFT FOODS INC             CL A                50075N104       36     1037 SH       DEFINED                  1037        0        0
KROGER CO                   COM                 501044101       82     2930 SH       SOLE                     2930        0        0
KROGER CO                   COM                 501044101        0       30 SH       DEFINED                    30        0        0
L-3 COMMUNICATIONS HLDGS
 INC                        COM                 502424104        3       35 SH       SOLE                       35        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409      152     1950 SH       SOLE                     1950        0        0
LANCASTER COLONY CORP       COM                 513847103       43     1050 SH       SOLE                     1050        0        0
LANDEC CORP                                     514766104        6      500 SH       SOLE                      500        0        0


                                       10




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
LEGGETT & PLATT INC         COM                 524660107       35     1600 SH       SOLE                     1600        0        0
LEGG MASON INC              COM                 524901105        1       20 SH       DEFINED                    20        0        0
LEHMAN BROTHERS HLDGS INC                       524908100      520     6862 SH       SOLE                     6862        0        0
LEHMAN BROTHERS HLDGS INC                       524908100        0        4 SH       DEFINED                     4        0        0
LEXINGTON REALTY TRUST      COM                 529043101        8      399 SH       SOLE                      399        0        0
LEXMARK INTL NEW            CL A                529771107      104     2110 SH       SOLE                     2110        0        0
LILLY ELI & CO              COM                 532457108       53      956 SH       SOLE                      956        0        0
LLOYDS TSB GROUP PLC        SPONSORED ADR       539439109       71     1600 SH       SOLE                     1600        0        0
LOCKHEED MARTIN CORP        COM                 539830109      832     8844 SH       SOLE                     8844        0        0
LOWES COS INC               COM                 548661107       60     1975 SH       SOLE                     1775        0      200
MBIA INC                    COM                 55262C100        0        8 SH       DEFINED                     8        0        0
MEMC ELECTRONIC MATERIAL                        552715104       51      845 SH       SOLE                      845        0        0
MACYS INC                   COM                 55616P104       34      868 SH       DEFINED                    60        0      808
MANULIFE FINL CORP          COM                 56501R106       66     1774 SH       SOLE                     1774        0        0
MANULIFE FINL CORP          COM                 56501R106      132     3554 SH       DEFINED                     0        0     3554
MARATHON OIL CORP                               565849106      204     3418 SH       DEFINED                    18        0     3400
MARSH & MCLENNAN COS INC    COM                 571748102       46     1500 SH       DEFINED                     0        0     1500
MARSHALL & ILSLEY CORP      COM                 571834100      171     3600 SH       SOLE                     3600        0        0
MARRIOTT INTL INC NEW       CLA                 571903202       82     1900 SH       SOLE                      800        0     1100
MARRIOTT INTL INC NEW       CLA                 571903202       51     1200 SH       DEFINED                     0        0     1200
MATTEL INC                  COM                 577081102      171     6765 SH       SOLE                     6765        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      114     3000 SH       DEFINED                     0        0     3000
MCDONALDS CORP              COM                 580135101     5128   101049 SH       SOLE                    94979        0     6070
MCDONALDS CORP              COM                 580135101      126     2485 SH       DEFINED                  1385        0     1100
MCKESSON CORPORATION        COM                 58155Q103        0       16 SH       DEFINED                    16        0        0
MEADWESTVACO CORP                               583334107       28      799 SH       SOLE                      799        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102        3       48 SH       SOLE                        0        0       48
MEDCO HEALTH SOLUTIONS      INC                 58405U102        0        6 SH       DEFINED                     6        0        0
MEDIS TECHNOLOGIES                              58500P107        1      100 SH       SOLE                      100        0        0
MEDTRONIC INC               COM                 585055106     3908    75364 SH       SOLE                    70719        0     4645
MEDTRONIC INC               COM                 585055106       85     1650 SH       DEFINED                  1650        0        0
MELLON FINL CORP            COM                 58551A108       88     2000 SH       DEFINED                     0        0     2000
MERCK & CO INC              COM                 589331107      519    10424 SH       SOLE                     6324        0     4100
MERCK & CO INC              COM                 589331107       76     1542 SH       DEFINED                    42        0     1500


                                       11




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
MERRILL LYNCH & CO INC      COM                 590188108      234     2802 SH       SOLE                     2802        0        0
MERRILL LYNCH & CO INC      COM                 590188108        4       53 SH       DEFINED                    53        0        0
METLIFE INC                 COM                 59156R108     3849    59705 SH       SOLE                    56620        0     3085
METLIFE INC                 COM                 59156R108       33      515 SH       DEFINED                   365        0      150
MICROSOFT CORP              COM                 594918104     4511   153128 SH       SOLE                   144448        0     8680
MICROSOFT CORP              COM                 594918104      200     6810 SH       DEFINED                  5610        0     1200
MICROCHIP TECHNOLOGY INC    COM                 595017104     1996    53905 SH       SOLE                    50305        0     3600
MICROCHIP TECHNOLOGY INC    COM                 595017104       11      300 SH       DEFINED                   300        0        0
MILLIPORE CORP                                  601073109       15      200 SH       SOLE                      200        0        0
MINDSPEED TECHNOLOGIES INC                      602682106        0      200 SH       SOLE                      200        0        0
MOSON COORS BREWING         CO CL B             60871R209      137     1485 SH       SOLE                     1395        0       90
MONSANTO CO (NEW)                               61166W101        3       50 SH       SOLE                       50        0        0
MONSANTO CO (NEW)                               61166W101        2       31 SH       DEFINED                    31        0        0
MOODYS CORP                 COM                 615369105        0        4 SH       DEFINED                     4        0        0
MORGAN STANLEY              DISCOVER & CO       617446448     4654    55489 SH       SOLE                    52309        0     3180
MORGAN STANLEY              DISCOVER & CO       617446448      155     1850 SH       DEFINED                   650        0     1200
MOTOROLA INC                COM                 620076109       65     3700 SH       DEFINED                     0        0     3700
MURPHY OIL CORP             COM                 626717102        2       40 SH       SOLE                       40        0        0
MYLAN LABS INC              COM                 628530107       80     4435 SH       SOLE                     4435        0        0
NBT BANCORP INC             COM                 628778102      367    16309 SH       SOLE                    16309        0        0
NYSE EURONEXT               COM                 629491101        0        6 SH       DEFINED                     6        0        0
NATIONAL CITY CORP          COM                 635405103       45     1380 SH       SOLE                     1380        0        0
NATIONAL CITY CORP          COM                 635405103       94     2835 SH       DEFINED                    35        0     2800
NATURAL RESOURCE PARTNERS LP                    63900P103       45     1200 SH       SOLE                     1200        0        0
NETWORK APPLIANCE INC.                          64120L104        0       30 SH       DEFINED                    30        0        0
NEW YORK COMMUNITY BANCORP  INC                 649445103        9      537 SH       SOLE                      537        0        0
NEW YORK TIMES CO           CL A                650111107       40     1600 SH       DEFINED                     0        0     1600
NEWELL RUBBERMAID INC       COM                 651229106       38     1315 SH       SOLE                     1315        0        0
NEWELL RUBBERMAID INC       COM                 651229106      111     3800 SH       DEFINED                     0        0     3800
NICOR INC                                       654086107       55     1285 SH       SOLE                     1285        0        0
NIKE INC                    CL B                654106103        4       80 SH       SOLE                       80        0        0
NIKE INC                    CL B                654106103        0        8 SH       DEFINED                     8        0        0
NISOURCE INC                COM                 65473P105       38     1877 SH       SOLE                     1877        0        0


                                       12




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
NOKIA CORP PFD              SPONS ADR           654902204        9      350 SH       SOLE                      200        0      150
NOKIA CORP PFD              SPONS ADR           654902204       71     2550 SH       DEFINED                    50        0     2500
NORDSTROM INC               COM                 655664100      145     2840 SH       SOLE                     2840        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       94     1800 SH       SOLE                     1800        0        0
NORTHROP GRUMMAN CORP       COM                 666807102       77      996 SH       SOLE                      996        0        0
NORTHROP GRUMMAN CORP       COM                 666807102        0       12 SH       DEFINED                    12        0        0
NOVELLUS SYS INC            COM                 670008101      136     4825 SH       SOLE                     4825        0        0
NUCOR CORP                  COM                 670346105      305     5205 SH       SOLE                     5205        0        0
NVIDIA CORP                                     67066G104      365     8840 SH       SOLE                     8840        0        0
NVIDIA CORP                                     67066G104        1       25 SH       DEFINED                    25        0        0
OGE ENERGY CORP             COM                 670837103       36     1000 SH       SOLE                     1000        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105      346     5995 SH       SOLE                     5995        0        0
OFFICE DEPOT INC            COM                 676220106       49     1650 SH       SOLE                     1650        0        0
OFFICE DEPOT INC            COM                 676220106        0       25 SH       DEFINED                    25        0        0
OMNICOM GROUP INC           COM                 681919106       88     1670 SH       SOLE                     1670        0        0
ORACLE CORP                 COM                 68389X105     2247   114071 SH       SOLE                   107071        0     7000
ORACLE CORP                 COM                 68389X105       14      750 SH       DEFINED                   750        0        0
PG&E CORP                   COM                 69331C108       29      655 SH       SOLE                      655        0        0
PNC FINL SVCS GROUP INC     COM                 693475105     2031    28375 SH       SOLE                    26435        0     1940
PNC FINL SVCS GROUP INC     COM                 693475105      114     1600 SH       DEFINED                   150        0     1450
PPG INDS INC                COM                 693506107       83     1100 SH       SOLE                     1100        0        0
PPL CORP                                        69351T106      116     2484 SH       SOLE                     2484        0        0
PACCAR INC                  COM                 693718108      672     7730 SH       SOLE                     7730        0        0
PACKAGING CORP AMER         COM                 695156109        8      334 SH       SOLE                      334        0        0
PACTIV CORP                 COM                 695257105      172     5410 SH       SOLE                     5410        0        0
PALL CORP                   COM                 696429307       45     1000 SH       DEFINED                     0        0     1000
PARKER HANNIFIN CORP        COM                 701094104       80      820 SH       SOLE                      820        0        0
PAYCHEX INC                 COM                 704326107       36      935 SH       SOLE                      935        0        0
PENNEY J C INC              COM                 708160106      148     2045 SH       SOLE                     2045        0        0
PEPSI BOTTLING GROUP INC    COM                 713409100       80     2380 SH       SOLE                     2380        0        0
PEPSICO INC                 COM                 713448108     5066    78133 SH       SOLE                    74298        0     3835
PEPSICO INC                 COM                 713448108      259     3994 SH       DEFINED                  3994        0        0
PFIZER INC                  COM                 717081103     4818   188508 SH       SOLE                   166763        0    21745
PFIZER INC                  COM                 717081103      185     7266 SH       DEFINED                  4266        0     3000


                                       13




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
PHOENIX COS INC NEW         COM                 71902E109        7      517 SH       SOLE                      517        0        0
PIMCO NY MUNI INC FUND III                      72201E105        7      500          SOLE                      500        0        0
PINNACLE WEST CAP CORP      COM                 723484101       36      908 SH       SOLE                      908        0        0
PITNEY BOWES INC            COM                 724479100      334     7145 SH       SOLE                     7145        0        0
POLO RALPH LAUREN CORP      CL A                731572103      150     1530 SH       SOLE                     1530        0        0
PRAXAIR INC                 COM                 74005P104       78     1085 SH       SOLE                      735        0      350
PROCTER & GAMBLE CO         COM                 742718109     5379    87935 SH       SOLE                    81916        0     6019
PROCTER & GAMBLE CO         COM                 742718109      276     4522 SH       DEFINED                  3007        0     1515
PROGRESS ENERGY INC         COM                 743263105       48     1062 SH       SOLE                     1062        0        0
PROGRESSIVE CORP                                743315103      402    16805 SH       SOLE                    16805        0        0
PRUDENTIAL FINL, INC.       COM                 744320102      123     1271 SH       SOLE                     1271        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       59      681 SH       SOLE                      681        0        0
PUGET SOUND ENERGY INC      COM                 745310102       60     2500 SH       SOLE                     2500        0        0
PULTE CORP                  COM                 745867101       57     2575 SH       DEFINED                     0        0     2575
PUTNAM HIGH YIELD MUN TR    C/C                 746781103       14     2022          SOLE                     2022        0        0
QUALCOMM INC                COM                 747525103       68     1575 SH       SOLE                     1375        0      200
QUALCOMM INC                COM                 747525103        9      225 SH       DEFINED                   225        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100        2       48 SH       SOLE                       48        0        0
QUESTAR CORP                COM                 748356102      149     2825 SH       SOLE                     2825        0        0
QWEST COMM INTL INC                             749121109       13     1405 SH       SOLE                     1405        0        0
QWEST COMM INTL INC                             749121109      318    32850 SH       DEFINED                     0        0    32850
RAYTHEON CO CLASS B         COM                 755111507      112     2084 SH       SOLE                     2084        0        0
REGAL ENTERTAINMENT "A"                         758766109        7      359 SH       SOLE                      359        0        0
REGIONS FINL CORP NEW                           7591EP100       34     1042 SH       SOLE                     1042        0        0
RELIANT ENERGY INC                              75952B105        7      279 SH       SOLE                      279        0        0
REYNOLDS AMERN INC                              761713106      227     3483 SH       SOLE                     3083        0      400
RITE AID CORP               COM                 767754104       31     5000 SH       SOLE                     5000        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       41      600 SH       SOLE                      600        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       34      500 SH       DEFINED                     0        0      500
ROCKWELL COLLINS INC        COM                 774341101       42      600 SH       SOLE                      600        0        0
ROHM & HAAS CO              COM                 775371107       65     1200 SH       SOLE                     1200        0        0
ROYAL DUTCH PETE CO                             780259206      448     5525 SH       SOLE                     5525        0        0
RYLAND GROUP INC.                               783764103       18      500 SH       DEFINED                     0        0      500


                                       14




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
SLM CORPORATION SECURITIES  COM                 78442P106       13      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        5      288 SH       SOLE                      288        0        0
SARA LEE CORP               COM                 803111103        1       90 SH       DEFINED                    90        0        0
SCHERING PLOUGH CORP        COM                 806605101      114     3750 SH       SOLE                     2950        0      800
SCHLUMBERGER LTD            COM                 806857108     5014    59037 SH       SOLE                    55612        0     3425
SCHLUMBERGER LTD            COM                 806857108      297     3497 SH       DEFINED                  3497        0        0
SCHWAB CHARLES CORP NEW     COM                 808513105        0       20 SH       DEFINED                    20        0        0
SEARS HLDGS CORP            COM                 812350106      189     1120 SH       DEFINED                     0        0     1120
SELECTIVE INS GRP INC       C/C                 816300107       38     1438 SH       SOLE                     1438        0        0
SENECA FOODS CORP NEW       CL B                817070105       38     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       83     1255 SH       SOLE                     1255        0        0
SIGMA ALDRICH CORP          COM                 826552101     4221    98947 SH       SOLE                    92867        0     6080
SIGMA ALDRICH CORP          COM                 826552101       46     1100 SH       DEFINED                  1100        0        0
SIMON PPTY GROUP INC NEW                        828806109       32      350 SH       SOLE                      350        0        0
SIMON PPTY GROUP INC NEW                        828806109      104     1122 SH       DEFINED                     0        0     1122
SIRIUS SATELLITE RADIO INC                      82966U103        9     3000 SH       SOLE                     3000        0        0
SKY FINL GROUP INC          COM                 83080P103      145     5237 SH       SOLE                     5237        0        0
SKYWORKS SOLUTIONS INC                          83088M102        1      210 SH       SOLE                      210        0        0
SOLECTRON CORP              COM                 834182107        0      200 SH       DEFINED                   200        0        0
SOUTHERN CO                 COM                 842587107       62     1831 SH       SOLE                     1741        0       90
SPECTRA ENERGY CORP         COM                 847560109       51     1993 SH       SOLE                     1893        0      100
SPECTRA ENERGY CORP         COM                 847560109       32     1250 SH       DEFINED                     0        0     1250
SPIRIT AEROSYSTEMS HDG                          848574109        1       30 SH       DEFINED                    30        0        0
SPRINT NEXTEL CORP                              852061100       61     2986 SH       SOLE                     2986        0        0
SPRINT NEXTEL CORP                              852061100      275    13300 SH       DEFINED                   100        0    13200
STAPLES INC                 COM                 855030102     2116    89240 SH       SOLE                    83153        0     6087
STAPLES INC                 COM                 855030102       62     2625 SH       DEFINED                  2625        0        0
STARBUCKS CORP              COM                 855244109       20      800 SH       DEFINED                   800        0        0
STARWOOD HOTELS & RESORTS
 WORLDWIDE INC              COM   85590A401       63      940 SH       SOLE                      940        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


                                       15




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
STORA ENSO OYJ                                  86210M106        6      357 SH       DEFINED                   357        0        0
STRYKER CORP                                    863667101       63     1000 SH       DEFINED                  1000        0        0
SUFFOLK BANCORP             COM                 864739107      103     3244 SH       SOLE                     3244        0        0
SUN MICROSYSTEMS INC        COM                 866810104       21     4150 SH       SOLE                     3400        0      750
SUN MICROSYSTEMS INC        COM                 866810104        0       65 SH       DEFINED                    65        0        0
SUNTRUST BANKS INC          COM                 867914103      162     1900 SH       SOLE                     1900        0        0
SUNTRUST BANKS INC          COM                 867914103       94     1100 SH       DEFINED                     0        0     1100
SUPERVALU INC               COM                 868536103        7      163 SH       SOLE                      163        0        0
SYNOVUS FINL CORP           COM                 87161C105       94     3080 SH       SOLE                     2405        0      675
SYSCO CORP                  COM                 871829107     2003    60735 SH       SOLE                    56685        0     4050
SYSCO CORP                  COM                 871829107       11      350 SH       DEFINED                   350        0        0
TECO ENERGY INC                                 872375100       26     1524 SH       SOLE                      824        0      700
TEPPCO PARTNERS LP                              872384102       22      500 SH       SOLE                      500        0        0
TJX COS INC NEW             COM                 872540109       51     1862 SH       SOLE                     1862        0        0
TXU CORP                    COM                 873168108       78     1160 SH       SOLE                     1160        0        0
TARGET CORP                 COM                 87612E106     4515    71006 SH       SOLE                    66991        0     4015
TARGET CORP                 COM                 87612E106      103     1621 SH       DEFINED                  1321        0      300
TELECOM ITALIA SPA ADSNEW                       87927Y102       19      722 SH       SOLE                      722        0        0
TELECOM CORP NEW ZEALAND
 LTD                        SPONSORED ADR       879278208       22      815 SH       SOLE                      815        0        0
TEMPLETON GLOBAL INC FD     C/C                 880198106        8      900 SH       SOLE                      900        0        0
TENNECO INC                 COM                 880349105        8      250 SH       SOLE                      250        0        0
TEREX CORP                                      880779103      142     1750 SH       SOLE                     1750        0        0
TEVA PHARMA INDS            ADR                 881624209        0       10 SH       DEFINED                    10        0        0
TEXAS INSTRS INC            COM                 882508104     2255    59951 SH       SOLE                    56191        0     3760
TEXAS INSTRS INC            COM                 882508104       75     2010 SH       DEFINED                   810        0     1200
THERMO FISHER SCIENTIFIC
 INC                        COM                 883556102       77     1500 SH       DEFINED                  1500        0        0
THORNBURG MORTGAGE INC                          885218107        2      100 SH       SOLE                      100        0        0
3COM CORP                   COM                 885535104        3      800 SH       SOLE                      800        0        0
3M COMPANY                  COM                 88579Y101     4359    50233 SH       SOLE                    47053        0     3180
3M COMPANY                  COM                 88579Y101      201     2325 SH       DEFINED                  1325        0     1000
TIME WARNER INC             COM                 887317105      173     8251 SH       SOLE                     7921        0      330
TIME WARNER INC             COM                 887317105      181     8625 SH       DEFINED                   125        0     8500
TOMPKINS FINANCIAL CORP                         890110109    36385   973140 SH       SOLE                   954564        0    18576
TOMPKINS FINANCIAL CORP                         890110109     2176    58215 SH       DEFINED                 58215        0        0


                                       16




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
TOOTSIE ROLL INDUSTRIES INC                     890516107        1       38 SH       SOLE                       38        0        0
TORCHMARK CORP              COM                 891027104       98     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      224     4195 SH       SOLE                     4195        0        0
TRAVELERS COS INC           COM                 89417E109       71     1343 SH       DEFINED                    45        0     1298
TYCO INTL LTD NEW           COM                 902124106      262     7755 SH       DEFINED                    55        0     7700
UST INC                     COM                 902911106       22      422 SH       SOLE                      322        0      100
US BANCORP DEL              COM NEW             902973304       56     1705 SH       SOLE                     1705        0        0
UNDER ARMOUR INC.                               904311107       13      300 SH       SOLE                      300        0        0
UNILEVER PLC AMER SHS       ADR                 904767704       34     1055 SH       SOLE                     1055        0        0
UNILEVER N V                N Y SHS NEW         904784709      162     5252 SH       SOLE                     5252        0        0
UNION PAC CORP              COM                 907818108       43      375 SH       SOLE                      375        0        0
UNION PAC CORP              COM                 907818108      115     1000 SH       DEFINED                     0        0     1000
UNITED PARCEL SERVICE INC   CL B                911312106     3844    52659 SH       SOLE                    49544        0     3115
UNITED PARCEL SERVICE INC   CL B                911312106       54      750 SH       DEFINED                   750        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     4292    60524 SH       SOLE                    57699        0     2825
UNITED TECHNOLOGIES CORP    COM                 913017109       58      831 SH       DEFINED                   681        0      150
UNITED UTILS PLC            SPONSORED ADR       91311Q105       25      889 SH       SOLE                      889        0        0
UNITEDHEALTH GROUP INC                          91324P102     4236    82863 SH       SOLE                    78228        0     4635
UNITEDHEALTH GROUP INC                          91324P102      267     5225 SH       DEFINED                  1100        0     4125
V F CORP                    COM                 918204108      192     2105 SH       SOLE                     2105        0        0
V F CORP                    COM                 918204108        1       12 SH       DEFINED                    12        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      131     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       39     2400          SOLE                     2400        0        0
VAN KAMPEN MUNICIPAL
 OPPORTUNITY TR                                 920935103       21     1393          SOLE                     1393        0        0
VECTREN CORP                COM                 92240G101       31     1170 SH       SOLE                     1170        0        0
VERIZON COMMUNICATIONS      COM                 92343V104     2676    65020 SH       SOLE                    59720        0     5300
VERIZON COMMUNICATIONS      COM                 92343V104       14      345 SH       DEFINED                   345        0        0
VIACOM INC NEW CL B                             92553P201       36      887 SH       DEFINED                   137        0      750
VODAFONE GROUP PLC NEW                          92857W209        9      280 SH       SOLE                      280        0        0
VODAFONE GROUP PLC NEW                          92857W209        1       55 SH       DEFINED                    55        0        0


                                       17




                                                           FORM 13F INFORMATION TABLE

                            TITLE OF                       VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
     NAME OF ISSUER         CLASS                 CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------- ------------------  --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                             
VOLTERRA SEMICONDUCTER CORP                     928708106       14     1000 SH       SOLE                     1000        0        0
W.P. CAREY & CO LLC                             92930Y107       12      405 SH       SOLE                      405        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       82     1617 SH       SOLE                     1617        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       56     1100 SH       DEFINED                     0        0     1100
WAL-MART STORES INC         COM                 931142103      440     9153 SH       SOLE                     8653        0      500
WAL-MART STORES INC         COM                 931142103      199     4150 SH       DEFINED                  4150        0        0
WALGREEN CO                 COM                 931422109      161     3700 SH       SOLE                     3700        0        0
WASHINGTON MUT INC          COM                 939322103       67     1594 SH       SOLE                     1594        0        0
WASHINGTON MUT INC          COM                 939322103        0       20 SH       DEFINED                    20        0        0
WASTE MGMT INC DEL          COM                 94106L109       34      896 SH       SOLE                      896        0        0
WASTE MGMT INC DEL          COM                 94106L109       47     1225 SH       DEFINED                     0        0     1225
WAVE SYSTEMS CORP           COM NEW             943526301        6     3000 SH       SOLE                     3000        0        0
WELLPOINT INC               COM                 94973V107      588     7375 SH       SOLE                     7285        0       90
WELLPOINT INC               COM                 94973V107        3       47 SH       DEFINED                    47        0        0
WELLS FARGO & CO NEW        COM                 949746101     3255    92605 SH       SOLE                    88350        0     4255
WELLS FARGO & CO NEW        COM                 949746101       45     1300 SH       DEFINED                  1300        0        0
WESTAR ENERGY INC           COM                 95709T100       26     1100 SH       SOLE                     1100        0        0
WINDSTREAM CORP                                 97381W104       30     2053 SH       SOLE                     2053        0        0
WINDSTREAM CORP                                 97381W104       21     1447 SH       DEFINED                     0        0     1447
WISCONSIN ENERGY CORP       COM                 976657106       13      315 SH       SOLE                      315        0        0
WRIGLEY WM JR CO            COM                 982526105        5      101 SH       DEFINED                   101        0        0
WYETH                       COM                 983024100      280     4888 SH       SOLE                     4808        0       80
WYETH                       COM                 983024100      200     3505 SH       DEFINED                  1505        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      106     1780 SH       SOLE                     1780        0        0
XCEL ENERGY INC                                 98389B100       24     1211 SH       SOLE                      611        0      600
XEROX CORP                  COM                 984121103      159     8621 SH       SOLE                     8621        0        0
YAHOO INC                   COM                 984332106      154     5700 SH       DEFINED                     0        0     5700
ZIMMER HLDGS INC            COM                 98956P102        8      100 SH       SOLE                      100        0        0
ZIONS BANCORPORATION        COM                 989701107       46      600 SH       SOLE                        0        0      600

 GRAND TOTALS                                               329145  6772835                                6163497        0   609338


                                       18