<SEC-DOCUMENT>0001140361-16-063767.txt : 20160506
<SEC-HEADER>0001140361-16-063767.hdr.sgml : 20160506
<ACCEPTANCE-DATETIME>20160506142350
ACCESSION NUMBER:		0001140361-16-063767
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160331
FILED AS OF DATE:		20160506
DATE AS OF CHANGE:		20160506
EFFECTIVENESS DATE:		20160506

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:		161627309

	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>03-31-2016</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2016</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>05-06-2016</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>123</tableEntryTotal>
      <tableValueTotal>96787</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>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13fInfoTable.xml
<TEXT>
<XML>
<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>1388</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>35440</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00206R102</cusip>
			<value>489</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12482</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10389</Sole>
				<Shared>2093</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBOTT LABORATOR IES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>1444</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34529</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>33462</Sole>
				<Shared>0</Shared>
				<None>1067</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ABBOTT LABORATOR IES</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>002824100</cusip>
			<value>277</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3430</Sole>
				<Shared>3200</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>1513</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26494</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>25277</Sole>
				<Shared>0</Shared>
				<None>1217</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>00287Y109</cusip>
			<value>380</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6651</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3351</Sole>
				<Shared>3300</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>009158106</cusip>
			<value>403</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2800</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>013817101</cusip>
			<value>59</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6150</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>013817101</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>100</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>02209S103</cusip>
			<value>297</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4736</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2436</Sole>
				<Shared>2300</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>755</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>12300</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>025816109</cusip>
			<value>150</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<Shared>800</Shared>
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		<infoTable>
			<nameOfIssuer>ANNALY CAPITAL MANAGEMENT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>035710409</cusip>
			<value>145</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<Sole>14150</Sole>
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			<nameOfIssuer>ANNALY CAPITAL MANAGEMENT INC</nameOfIssuer>
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			<cusip>035710409</cusip>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>1134</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>037833100</cusip>
			<value>240</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<Shared>875</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>038222105</cusip>
			<value>1229</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>57425</Sole>
				<Shared>0</Shared>
				<None>600</None>
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		<infoTable>
			<nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>038222105</cusip>
			<value>95</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>2000</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>481</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5363</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4013</Sole>
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				<None>1350</None>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>053015103</cusip>
			<value>48</value>
			<shrsOrPrnAmt>
				<sshPrnamt>537</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>537</Sole>
				<Shared>0</Shared>
				<None>0</None>
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			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>232</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>1632</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
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			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>505</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7900</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>983</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7882</Sole>
				<Shared>7500</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CME GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>12572Q105</cusip>
			<value>240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>1662</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17417</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>17417</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>508</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2933</Sole>
				<Shared>2390</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>1080</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37931</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>37731</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>148</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>892</Sole>
				<Shared>4300</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>4850</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>4850</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>828</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>628</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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				<sshPrnamt>59119</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>58519</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>191216100</cusip>
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				<sshPrnamt>14679</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3929</Sole>
				<Shared>10750</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>194162103</cusip>
			<value>1028</value>
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				<sshPrnamt>14550</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14550</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>481</value>
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				<sshPrnamt>6810</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4810</Sole>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>2321</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>21771</Sole>
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				<None>1600</None>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>254687106</cusip>
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				<sshPrnamt>5600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1500</Sole>
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		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<cusip>260543103</cusip>
			<value>414</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7933</Sole>
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		<infoTable>
			<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1522</Sole>
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		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>592</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8150</Sole>
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				<None>1200</None>
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		<infoTable>
			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2092</Sole>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>521</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4670</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>33</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>300</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>291011104</cusip>
			<value>177</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3250</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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				<sshPrnamt>1913</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>713</Sole>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
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			<cusip>30161N101</cusip>
			<value>341</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9501</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30161N101</cusip>
			<value>101</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2220</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>3922</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>45575</Sole>
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				<None>1350</None>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>2329</value>
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				<sshPrnamt>27859</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>15169</Sole>
				<Shared>12690</Shared>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>8303</value>
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				<sshPrnamt>261180</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>256720</Sole>
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				<None>4460</None>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>2340</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>30802</Sole>
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				<None>3000</None>
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		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>1393</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21994</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>21994</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>370334104</cusip>
			<value>367</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5798</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4198</Sole>
				<Shared>1600</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>37733W105</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5223</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5223</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>37733W105</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>427</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>427</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
			<value>334</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2500</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>33</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>250</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>2421</value>
			<shrsOrPrnAmt>
				<sshPrnamt>74835</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>74535</Sole>
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				<None>300</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>454</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14047</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8647</Sole>
				<Shared>5400</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>1235</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8155</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8155</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>727</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4799</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3499</Sole>
				<Shared>1300</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
			<titleOfClass>MUTUAL FUND/STOCK</titleOfClass>
			<cusip>464287465</cusip>
			<value>498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8714</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8714</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
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			<cusip>464287465</cusip>
			<value>61</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1075</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>375</Sole>
				<Shared>700</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>46625H100</cusip>
			<value>1805</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30475</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>30075</Sole>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>5913</Sole>
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		<infoTable>
			<nameOfIssuer>JACOBS ENGINEERING GROUP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>3952</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JACOBS ENGINEERING GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>200</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>27834</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>27834</Sole>
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				<None>0</None>
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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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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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		<infoTable>
			<nameOfIssuer>JOHNSON CONTROLS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MASCO CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>10625</Sole>
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		<infoTable>
			<nameOfIssuer>MASCO CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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			<value>594</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>11226</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2115</Sole>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>1307</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23669</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
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				<sshPrnamt>4961</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4561</Sole>
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		<infoTable>
			<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628778102</cusip>
			<value>633</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23486</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
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			<value>1786</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>29054</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>221</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2600</Sole>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>171</value>
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				<sshPrnamt>2050</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
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			<value>258</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1403</Sole>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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			<value>724</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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			<value>137</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1647</Sole>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>2136</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>20742</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3989</Sole>
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		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>798</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>26907</Sole>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>9181</Sole>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>100</Sole>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>496</value>
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				<sshPrnamt>5052</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2352</Sole>
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		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>2263</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>27495</Sole>
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		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>846</value>
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				<sshPrnamt>10273</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2855</Sole>
				<Shared>7418</Shared>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
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			<value>394</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5341</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5341</Sole>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
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				<sshPrnamt>2166</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2066</Sole>
				<Shared>100</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>977</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18895</sshPrnamt>
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</SEC-DOCUMENT>
