<SEC-DOCUMENT>0001140361-16-085132.txt : 20161107
<SEC-HEADER>0001140361-16-085132.hdr.sgml : 20161107
<ACCEPTANCE-DATETIME>20161107162036
ACCESSION NUMBER:		0001140361-16-085132
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160930
FILED AS OF DATE:		20161107
DATE AS OF CHANGE:		20161107
EFFECTIVENESS DATE:		20161107

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:		161978367

	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>09-30-2016</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2016</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>11-07-2016</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>103</tableEntryTotal>
      <tableValueTotal>85378</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>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13fInfoTable.xml
<TEXT>
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<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>084670702</cusip>
			<value>233</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1616</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1616</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>110122108</cusip>
			<value>397</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7357</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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			<cusip>110122108</cusip>
			<value>829</value>
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			<otherManager>1</otherManager>
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				<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>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2050</sshPrnamt>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>1793</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17417</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>166764100</cusip>
			<value>548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5323</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2933</Sole>
				<Shared>2390</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>1107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34887</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>34687</Sole>
				<Shared>0</Shared>
				<None>200</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>17275R102</cusip>
			<value>165</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>
			<cusip>172967424</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4850</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>39</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Shared>200</Shared>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>191216100</cusip>
			<value>2421</value>
			<shrsOrPrnAmt>
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			<otherManager>1</otherManager>
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				<None>600</None>
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			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>191216100</cusip>
			<value>621</value>
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		<infoTable>
			<nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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			<cusip>194162103</cusip>
			<value>1075</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>260543103</cusip>
			<value>411</value>
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			<otherManager>1</otherManager>
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				<None>0</None>
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			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>263534109</cusip>
			<value>599</value>
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			<nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
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			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>545</value>
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			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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				<None>0</None>
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			<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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			<value>104</value>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>EXELON CORP</nameOfIssuer>
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			<cusip>30161N101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>2220</Sole>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>4032</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>44842</Sole>
				<Shared>0</Shared>
				<None>1350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>30231G102</cusip>
			<value>2405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27559</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14869</Sole>
				<Shared>12690</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>369604103</cusip>
			<value>7470</value>
			<shrsOrPrnAmt>
				<sshPrnamt>252189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>29102</Sole>
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				<None>3000</None>
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		<infoTable>
			<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>21394</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>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4198</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>37733W105</cusip>
			<value>219</value>
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				<sshPrnamt>5073</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5073</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
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			<cusip>37733W105</cusip>
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				<sshPrnamt>227</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>227</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>437076102</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2565</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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			<cusip>437076102</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>2691</value>
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				<sshPrnamt>71291</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>70991</Sole>
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				<None>300</None>
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		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>458140100</cusip>
			<value>511</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>8147</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
			<value>1240</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7805</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>459200101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3399</Sole>
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		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
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			<cusip>464287465</cusip>
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				<sshPrnamt>7614</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>7614</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES MSCI EAFE (MKT)</nameOfIssuer>
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			<cusip>464287465</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>175</Sole>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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			<cusip>46625H100</cusip>
			<value>1948</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>28850</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>537</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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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 INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>193</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3734</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JACOBS ENGINEERING GROUP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>469814107</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>200</Sole>
				<Shared>1200</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>3267</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>27659</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>478160104</cusip>
			<value>911</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>3610</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>128</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1591</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>532457108</cusip>
			<value>93</value>
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				<sshPrnamt>1156</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>456</Sole>
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		<infoTable>
			<nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>548661107</cusip>
			<value>627</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8684</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>42</value>
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				<sshPrnamt>578</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>578</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>337</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9825</Sole>
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		<infoTable>
			<nameOfIssuer>MASCO CORP</nameOfIssuer>
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			<cusip>574599106</cusip>
			<value>182</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>969</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8400</Sole>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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			<cusip>580135101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>622</Sole>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>666</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10676</Sole>
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		<infoTable>
			<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58933Y105</cusip>
			<value>287</value>
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				<sshPrnamt>4594</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2115</Sole>
				<Shared>2479</Shared>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>1332</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23132</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23132</Sole>
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		<infoTable>
			<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>594918104</cusip>
			<value>278</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4819</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4419</Sole>
				<Shared>400</Shared>
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		<infoTable>
			<nameOfIssuer>NBT BANCORP INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>628778102</cusip>
			<value>772</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23486</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23486</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>1412</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>26825</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>654106103</cusip>
			<value>174</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2500</Sole>
				<Shared>800</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2253</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>2253</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>655844108</cusip>
			<value>301</value>
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				<sshPrnamt>3103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1403</Sole>
				<Shared>1700</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>656</value>
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				<sshPrnamt>16700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>16700</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68389X105</cusip>
			<value>128</value>
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				<sshPrnamt>3247</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1547</Sole>
				<Shared>1700</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>2169</value>
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				<sshPrnamt>19942</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>19842</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>713448108</cusip>
			<value>564</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3989</Sole>
				<Shared>1200</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>856</value>
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				<sshPrnamt>25274</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>25274</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>717081103</cusip>
			<value>470</value>
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				<sshPrnamt>13881</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9181</Sole>
				<Shared>4700</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>10</value>
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				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>100</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>718172109</cusip>
			<value>491</value>
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				<sshPrnamt>5052</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2352</Sole>
				<Shared>2700</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>2407</value>
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				<sshPrnamt>26823</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>26823</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>742718109</cusip>
			<value>922</value>
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				<sshPrnamt>10273</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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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>400</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5091</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>FOREIGN STOCK</titleOfClass>
			<cusip>806857108</cusip>
			<value>166</value>
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				<sshPrnamt>2116</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2016</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>974</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>18995</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>842587107</cusip>
			<value>279</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5434</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3734</Sole>
				<Shared>1700</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>854502101</cusip>
			<value>201</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1632</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1632</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>475</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6825</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>STATE STREET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>857477103</cusip>
			<value>139</value>
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				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>1500</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>607</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8842</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8842</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>TARGET CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>87612E106</cusip>
			<value>94</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1373</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>973</Sole>
				<Shared>400</Shared>
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		<infoTable>
			<nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>882508104</cusip>
			<value>839</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11960</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11960</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>1604</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9101</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9001</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>3M CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>88579Y101</cusip>
			<value>646</value>
			<shrsOrPrnAmt>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>465</Sole>
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		<infoTable>
			<nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898349105</cusip>
			<value>491</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69204</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8260</Sole>
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				<None>60944</None>
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		<infoTable>
			<nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>898349105</cusip>
			<value>7042</value>
			<shrsOrPrnAmt>
				<sshPrnamt>993238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>500</Sole>
				<Shared>0</Shared>
				<None>992738</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911312106</cusip>
			<value>506</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4631</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4631</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>911312106</cusip>
			<value>109</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>600</Sole>
				<Shared>400</Shared>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>913017109</cusip>
			<value>2045</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20131</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>20131</Sole>
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		<infoTable>
			<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>913017109</cusip>
			<value>266</value>
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				<sshPrnamt>2615</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1615</Sole>
				<Shared>1000</Shared>
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			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD EMERGING MARKETS STOCK</nameOfIssuer>
			<titleOfClass>MUTUAL FUND/STOCK</titleOfClass>
			<cusip>922042858</cusip>
			<value>547</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14527</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14527</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD EMERGING MARKETS STOCK</nameOfIssuer>
			<titleOfClass>MUTUAL FUND/STOCK</titleOfClass>
			<cusip>922042858</cusip>
			<value>88</value>
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				<sshPrnamt>2340</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>1625</Sole>
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				<None>390</None>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>92343V104</cusip>
			<value>1182</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>22636</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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				<sshPrnamt>7016</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>4816</Sole>
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		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>931142103</cusip>
			<value>844</value>
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				<sshPrnamt>11708</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>11708</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
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			<value>96</value>
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</SEC-DOCUMENT>
