<SEC-DOCUMENT>0001140361-23-053198.txt : 20231114
<SEC-HEADER>0001140361-23-053198.hdr.sgml : 20231114
<ACCEPTANCE-DATETIME>20231114150427
ACCESSION NUMBER:		0001140361-23-053198
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231114
DATE AS OF CHANGE:		20231114
EFFECTIVENESS DATE:		20231114

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:		231404808

	BUSINESS ADDRESS:	
		STREET 1:		6 METRO PARK ROAD
		CITY:			ALBANY
		STATE:			NY
		ZIP:			12205
		BUSINESS PHONE:		5183773311

	MAIL ADDRESS:	
		STREET 1:		6 METRO PARK ROAD
		CITY:			ALBANY
		STATE:			NY
		ZIP:			12205
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <credentials>
          <cik>0000357301</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>TRUSTCO BANK CORP N Y</name>
        <address>
          <com:street1>6 METRO PARK ROAD</com:street1>
          <com:city>ALBANY</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>12205</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06657</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>PATRICK J. LAPORTA</name>
      <title>ADMINISTRATIVE VICE PRESIDENT</title>
      <phone>518-381-3644</phone>
      <signature>/s/ PATRICK J. LAPORTA</signature>
      <city>GLENVILLE</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>11-14-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>135</tableEntryTotal>
      <tableValueTotal>87790407</tableValueTotal>
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        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
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            <cik>0001213066</cik>
            <form13FFileNumber>028-10307</form13FFileNumber>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<TEXT>
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        <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <shrsOrPrnAmt>
            <sshPrnamt>2783</sshPrnamt>
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        <nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>009158106</cusip>
        <value>283400</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1000</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1000</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>020002101</cusip>
        <value>197864</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1776</sshPrnamt>
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        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1776</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
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        <shrsOrPrnAmt>
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            <Sole>485</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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            <sshPrnamt>1391</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1391</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>149123101</cusip>
        <value>54600</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>200</Sole>
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            <None>0</None>
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        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>2455615</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14564</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>14564</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>166764100</cusip>
        <value>485458</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2879</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2264</Sole>
            <Shared>615</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>1161054</value>
        <shrsOrPrnAmt>
            <sshPrnamt>21597</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>21597</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>17275R102</cusip>
        <value>150851</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2806</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1092</Sole>
            <Shared>1714</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>COCA COLA CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>191216100</cusip>
        <value>2213789</value>
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            <sshPrnamt>39546</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>38946</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>
        <value>364096</value>
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            <sshPrnamt>6504</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3454</Sole>
            <Shared>3050</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>194162103</cusip>
        <value>1151841</value>
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            <sshPrnamt>16198</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>16198</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>194162103</cusip>
        <value>316439</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4050</Sole>
            <Shared>400</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>COMCAST CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>20030N101</cusip>
        <value>217266</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4900</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>1236423</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15255</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>14055</Sole>
            <Shared>0</Shared>
            <None>1200</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>254687106</cusip>
        <value>68895</value>
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            <sshPrnamt>850</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>450</Sole>
            <Shared>400</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>DOW INC COM</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>229082</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4444</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3932</Sole>
            <Shared>0</Shared>
            <None>512</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DOW INC COM</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>260557103</cusip>
        <value>71204</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1381</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1115</Sole>
            <Shared>266</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26614N102</cusip>
        <value>293661</value>
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            <sshPrnamt>3938</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>3426</Sole>
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            <None>512</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>26614N102</cusip>
        <value>43336</value>
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            <sshPrnamt>581</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>315</Sole>
            <Shared>266</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>278865100</cusip>
        <value>319319</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1885</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1885</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>278865100</cusip>
        <value>16940</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>291011104</cusip>
        <value>1281000</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13265</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13265</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>65184</value>
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            <sshPrnamt>675</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>675</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EXELON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30161N101</cusip>
        <value>177728</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4703</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4703</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EXELON CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30161N101</cusip>
        <value>75392</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1995</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1395</Sole>
            <Shared>600</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30231G102</cusip>
        <value>3166667</value>
        <shrsOrPrnAmt>
            <sshPrnamt>26932</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>25732</Sole>
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            <None>1200</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>30231G102</cusip>
        <value>824356</value>
        <shrsOrPrnAmt>
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            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2721</Sole>
            <Shared>4290</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>36266G107</cusip>
        <value>618410</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9089</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>8930</Sole>
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            <None>159</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>36266G107</cusip>
        <value>57425</value>
        <shrsOrPrnAmt>
            <sshPrnamt>844</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>303</Sole>
            <Shared>541</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369604301</cusip>
        <value>3111216</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28143</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>27662</Sole>
            <Shared>0</Shared>
            <None>481</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>369604301</cusip>
        <value>273281</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2472</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>840</Sole>
            <Shared>1632</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>370334104</cusip>
        <value>831936</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13001</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13001</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>370334104</cusip>
        <value>235484</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3680</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2280</Sole>
            <Shared>1400</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>437076102</cusip>
        <value>400362</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1325</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1325</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>45324</value>
        <shrsOrPrnAmt>
            <sshPrnamt>150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTEL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>458140100</cusip>
        <value>1714368</value>
        <shrsOrPrnAmt>
            <sshPrnamt>48224</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>48224</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTEL CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>458140100</cusip>
        <value>202387</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5693</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4393</Sole>
            <Shared>1300</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>610730</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4353</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4353</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>352995</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2516</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2316</Sole>
            <Shared>200</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>46090E103</cusip>
        <value>323877</value>
        <shrsOrPrnAmt>
            <sshPrnamt>904</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>904</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>46090E103</cusip>
        <value>94941</value>
        <shrsOrPrnAmt>
            <sshPrnamt>265</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>265</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
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        <value>279521</value>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>ISHARES 3-7 YEAR TREASURY BOND</nameOfIssuer>
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        <cusip>464288661</cusip>
        <value>242163</value>
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        <otherManager>7000</otherManager>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
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        <cusip>46625H100</cusip>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
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        <cusip>46625H100</cusip>
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        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <None>0</None>
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        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1272</Sole>
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            <None>0</None>
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        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
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            <sshPrnamt>900</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>700</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>214295</value>
        <shrsOrPrnAmt>
            <sshPrnamt>524</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>524</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>207752</value>
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            <sshPrnamt>508</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>508</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>1231452</value>
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            <sshPrnamt>5925</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5925</Sole>
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            <None>0</None>
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        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>628</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>370141</value>
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            <sshPrnamt>6925</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>6925</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>138971</value>
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            <sshPrnamt>2600</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>2600</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>1564570</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5939</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5939</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>180983</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>487</Sole>
            <Shared>200</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>729917</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>7090</Sole>
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            <None>0</None>
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        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>377621</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1189</Sole>
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            <None>0</None>
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        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>3332113</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10553</Sole>
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            <None>0</None>
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        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3592</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
        <value>1253294</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13107</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>59764</value>
        <shrsOrPrnAmt>
            <sshPrnamt>625</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>625</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>200869</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1020</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1020</Sole>
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            <None>0</None>
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        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>219379</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1114</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>210535</value>
        <shrsOrPrnAmt>
            <sshPrnamt>484</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>484</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>1070217</value>
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            <sshPrnamt>10104</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>10104</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>21184</value>
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            <sshPrnamt>200</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>100</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1950424</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>11511</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>684368</value>
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            <sshPrnamt>4039</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>3039</Sole>
            <Shared>1000</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>1005155</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30303</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>30303</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>99578</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3002</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3002</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>257743</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2784</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2784</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>194418</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2100</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2100</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>2268270</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15551</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>15551</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>399367</value>
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            <sshPrnamt>2738</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2738</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
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        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
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        <nameOfIssuer>SPDR DOW JONES INDUSTRIAL</nameOfIssuer>
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        <cusip>78467X109</cusip>
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            <None>0</None>
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        <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
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            <None>0</None>
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        <titleOfClass>COMMON STOCK</titleOfClass>
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        <value>299071</value>
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        <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <value>365332</value>
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        <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
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        <cusip>857477103</cusip>
        <value>46872</value>
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        <titleOfClass>COMMON STOCK</titleOfClass>
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            <None>0</None>
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        <cusip>88579Y101</cusip>
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        <nameOfIssuer>UNITED PARCEL SERVICE</nameOfIssuer>
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        <cusip>911312106</cusip>
        <value>485069</value>
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        <cusip>922042858</cusip>
        <value>437153</value>
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        <cusip>922042858</cusip>
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        <cusip>922908629</cusip>
        <value>146393</value>
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        <cusip>922908629</cusip>
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        <cusip>92343V104</cusip>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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        <value>1115036</value>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
