UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)  January 25, 2006
                                                --------------------------------


                             Tompkins Trustco, Inc.
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             (Exact name of registrant as specified in its charter)


           New York                       1-12709                 16-1482357
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  (State or other jurisdiction          (Commission             (IRS Employer
       of incorporation)                File Number)         Identification No.)


The Commons, PO Box 460, Ithaca, New York                         14851
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          (Address of Principal executive offices)              (Zip Code)


Registrant's telephone number, including area code   (607) 273-3210
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         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17CFR 240.13e-4(c))


Item 2.02    Results of Operations and Financial Condition

         On January 25, 2006, the Company issued a press release announcing its
earnings for the calendar quarter ended December 31, 2005. A copy of the press
release is attached to this Report on Form 8-K as Exhibit 99.1 and is
incorporated herein by reference.


Item 9.01    Financial Statements and Exhibits

(a) Not applicable.
(b) Not applicable.
(c) Not applicable.
(d) Exhibits.

    Exhibit No.      Description
    -----------      -----------

    99.1             Press Release of Tompkins Trustco, Inc. dated January 25,
                     2006







                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                             TOMPKINS TRUSTCO, INC.


Date:  January 25, 2006                      By: /s/ JAMES J. BYRNES
                                                 -------------------------------
                                                 James J. Byrnes
                                                 Chairman and CEO



                                INDEX TO EXHIBITS

EXHIBIT
NUMBER          EXHIBIT DESCRIPTION                                         PAGE
------          -------------------                                         ----

 99.1           Press Release of Tompkins Trustco, Inc. dated
                January 25, 2006