<SEC-DOCUMENT>0001140361-14-038553.txt : 20141020
<SEC-HEADER>0001140361-14-038553.hdr.sgml : 20141020
<ACCEPTANCE-DATETIME>20141020145132
ACCESSION NUMBER:		0001140361-14-038553
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20140930
FILED AS OF DATE:		20141020
DATE AS OF CHANGE:		20141020
EFFECTIVENESS DATE:		20141020

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TRUSTCO BANK CORP N Y
		CENTRAL INDEX KEY:			0000357301
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				141630287
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06657
		FILM NUMBER:		141163776

	BUSINESS ADDRESS:	
		STREET 1:		5 SARNOWSKI DRIVE
		CITY:			GLENVILLE
		STATE:			NY
		ZIP:			12302
		BUSINESS PHONE:		5183773311

	MAIL ADDRESS:	
		STREET 1:		5 SARNOWSKI DRIVE
		CITY:			GLENVILLE
		STATE:			NY
		ZIP:			12302
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000357301</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2014</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2014</reportCalendarOrQuarter>
      <filingManager>
        <name>TRUSTCO BANK CORP N Y</name>
        <address>
          <com:street1>5 SARNOWSKI DRIVE</com:street1>
          <com:city>GLENVILLE</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>12302</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06657</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>RICHARD W PROVOST</name>
      <title>ASSISTANT VICE PRESIDENT</title>
      <phone>518-381-3643</phone>
      <signature>/s/ RICHARD W PROVOST</signature>
      <city>GLENVILLE</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>10-20-2014</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>131</tableEntryTotal>
      <tableValueTotal>108602</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <cik>0001213066</cik>
            <form13FFileNumber>028-10307</form13FFileNumber>
            <name>TRUSTCO BANK</name>
          </otherManager>
        </otherManager2>
      </otherManagers2Info>
    </summaryPage>
  </formData>
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</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13fInfoTable.xml
<TEXT>
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			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>1303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36977</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36977</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>467</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13261</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10868</Sole>
				<Shared>2393</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>1553</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37329</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>1067</None>
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			<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>268</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Shared>3300</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1670</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28919</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>1267</None>
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		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6366</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3066</Sole>
				<Shared>3300</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>443</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>013817101</cusip>
			<value>117</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>013817101</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5100</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>181</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2950</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2950</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>020002101</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>400</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>231</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<Shared>2300</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>1182</value>
			<shrsOrPrnAmt>
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			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
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			<value>166</value>
			<shrsOrPrnAmt>
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				<None>0</None>
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			<nameOfIssuer>ANNALY CAPITAL MANAGEMENT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>035710409</cusip>
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			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>0</None>
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			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>270</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2875</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2875</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>APACHE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037411105</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>400</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>1076</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10682</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10682</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1225</Sole>
				<Shared>875</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>038222105</cusip>
			<value>1393</value>
			<shrsOrPrnAmt>
				<sshPrnamt>64450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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			<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>038222105</cusip>
			<value>48</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2200</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>506</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6093</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4743</Sole>
				<Shared>0</Shared>
				<None>1350</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BAKER HUGHES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>057224107</cusip>
			<value>283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4350</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>225</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1632</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1632</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>476</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>649</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12672</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6072</Sole>
				<Shared>6600</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2650</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1413</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<value>493</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
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			<cusip>263534109</cusip>
			<value>836</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1486</Sole>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
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			<value>552</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>4804</Sole>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<cusip>291011104</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
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			<value>7851</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
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			<value>3828</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>1269</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
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			<value>262</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>460</Sole>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>239</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>2600</Sole>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>121</Sole>
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		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>3141</value>
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				<sshPrnamt>90205</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>89805</Sole>
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				<None>400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>6700</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>1772</value>
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				<sshPrnamt>9334</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9334</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
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				<sshPrnamt>4799</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3499</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
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			<cusip>464287465</cusip>
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				<sshPrnamt>8541</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>8541</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
			<titleOfClass>MUTUAL FUND/STOCK</titleOfClass>
			<cusip>464287465</cusip>
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				<sshPrnamt>775</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>775</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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			<value>1997</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>32745</Sole>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>46625H100</cusip>
			<value>399</value>
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				<sshPrnamt>6623</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4086</Sole>
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		<infoTable>
			<nameOfIssuer>JACOBS ENGINEERING GROUP</nameOfIssuer>
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				<sshPrnamt>5635</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>5635</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JACOBS ENGINEERING GROUP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>469814107</cusip>
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				<sshPrnamt>200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
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				<sshPrnamt>43712</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>6569</Sole>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478366107</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>15950</Sole>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478366107</cusip>
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				<sshPrnamt>1800</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>539830109</cusip>
			<value>241</value>
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				<sshPrnamt>1316</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1316</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>527</value>
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				<sshPrnamt>9951</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9951</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>150</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MASCO CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>574599106</cusip>
			<value>346</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14450</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MASCO CORP</nameOfIssuer>
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			<cusip>574599106</cusip>
			<value>81</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2000</Sole>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>580135101</cusip>
			<value>891</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9400</Sole>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>895</Sole>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>585055106</cusip>
			<value>1272</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>20534</Sole>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>585055106</cusip>
			<value>68</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>404</Sole>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>737</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>12426</Sole>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>292</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4927</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2448</Sole>
				<Shared>2479</Shared>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>1435</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>30954</Sole>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>224</value>
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				<sshPrnamt>4827</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4327</Sole>
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		<infoTable>
			<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628778102</cusip>
			<value>529</value>
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				<sshPrnamt>23486</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>23486</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>1360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15252</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>15252</Sole>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>161</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1800</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1300</Sole>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>262</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2350</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>301</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1000</Sole>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>835</value>
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				<sshPrnamt>21800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>21700</Sole>
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				<None>100</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>94</value>
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				<sshPrnamt>2447</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1647</Sole>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>2560</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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</SEC-DOCUMENT>
