FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
DAIMLERCHRYSLER AG          ORD ADR             D1668R123        2       41 SH       SOLE                       41        0        0
ACE LTD                                         G0070K103        3       73 SH       SOLE                       73        0        0
ASPEN INSURANCE HOLDING USD                     G05384105        7      300 SH       SOLE                      300        0        0
COOPER INDUSTRIES LTD       CLASS A             G24182100        1       25 SH       DEFINED                    25        0        0
GLOBALSANTAFE CORPORATION                       G3930E101        1       35 SH       SOLE                       35        0        0
GLOBALSANTAFE CORPORATION                       G3930E101        1       25 SH       DEFINED                    25        0        0
INGERSOLL-RAND CO           COM                 G4776G101      265     6575 SH       SOLE                     6575        0        0
MARVELL TECHNOLOGY GROUP    LTD                 G5876H105        2       45 SH       DEFINED                    45        0        0
NABORS INDUSTRIES LTD                           G6359F103       35      475 SH       SOLE                      475        0        0
NABORS INDUSTRIES LTD                           G6359F103        1       15 SH       DEFINED                    15        0        0
NOBLE CORP                  COM                 G65422100        8      116 SH       SOLE                      116        0        0
NOBLE CORP                  COM                 G65422100        1       25 SH       DEFINED                    25        0        0
RENAISSANCERE HOLDINGS LTD                      G7496G103        1       39 SH       SOLE                       39        0        0
SEAGATE TECHNOLOGY                              G7945J104       53     2700 SH       DEFINED                     0        0     2700
TRANSOCEAN INC              ORD                 G90078109       13      188 SH       SOLE                      188        0        0
WEATHERFORD INTL LTD                            G95089101       25      715 SH       SOLE                      715        0        0
XL CAP LTD                  CL A                G98255105       29      444 SH       SOLE                      444        0        0
XL CAP LTD                  CL A                G98255105        1       25 SH       DEFINED                    25        0        0
ALCON INC.                                      H01301102        2       20 SH       DEFINED                    20        0        0
CNH GLOBAL NV                                   N20935206        0       40 SH       SOLE                       40        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102        1      125 SH       DEFINED                   125        0        0
ACCO BRANDS CORP                                00081T108       37     1535 SH       SOLE                     1535        0        0
AFLAC INC                   COM                 001055102      368     7940 SH       SOLE                     5740        0     2200
AFLAC INC                   COM                 001055102        0       10 SH       DEFINED                    10        0        0
AES CORP                    COM                 00130H105      178    11300 SH       DEFINED                     0        0    11300
AT&T INC                    COM                 00206R102     5056   206553 SH       SOLE                   191645        0    14908
AT&T INC                    COM                 00206R102      403    16470 SH       DEFINED                 16470        0        0
ABBOTT LABS                 COM                 002824100     3656    92734 SH       SOLE                    87089        0     5645
ABBOTT LABS                 COM                 002824100      126     3200 SH       DEFINED                  2200        0     1000





                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

                                                                                                      
ABGENIX INC                                     00339B107        3      150 SH       SOLE                      150        0        0
ACTUANT CORP CLASS A NEW                        00508X203        4       86 SH       SOLE                       86        0        0
ADOBE SYS INC               COM                 00724F101       88     2400 SH       SOLE                     2400        0        0
ADVANCED MICRO DEVICES INC  COM                 007903107       28      930 SH       SOLE                      930        0        0
AETNA INC NEW               COM                 00817Y108       90      955 SH       SOLE                      955        0        0
AETNA INC NEW               COM                 00817Y108      143     1525 SH       DEFINED                     0        0     1525
AGERE SYS INC COM                               00845V308        1      137 SH       SOLE                      137        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101       16      494 SH       SOLE                      494        0        0
AIR PRODS & CHEMS INC       COM                 009158106       89     1506 SH       SOLE                     1456        0       50
AKZO NOBEL NV               SPONSORED ADR       010199305       19      420 SH       SOLE                      420        0        0
ALBERTSONS INC              COM                 013104104       39     1840 SH       SOLE                     1840        0        0
ALCOA INC                   COM                 013817101     1646    55703 SH       SOLE                    51693        0     4010
ALCOA INC                   COM                 013817101       58     1990 SH       DEFINED                  1990        0        0
ALKERMES INC                                    01642T108        0       45 SH       SOLE                       45        0        0
ALLIANT ENERGY                                  018802108        5      200 SH       SOLE                      200        0        0
ALLIANCE FINL CORP                              019205103     2046    63781 SH       SOLE                    63781        0        0
ALLIANCE FINL CORP                              019205103      128     4000 SH       DEFINED                  4000        0        0
ALLSTATE CORP               COM                 020002101     1626    30089 SH       SOLE                    27899        0     2190
ALLSTATE CORP               COM                 020002101       18      350 SH       DEFINED                   350        0        0
ALLTEL CORP                 COM                 020039103      362     5740 SH       SOLE                     5740        0        0
ALLTEL CORP                 COM                 020039103       88     1400 SH       DEFINED                     0        0     1400
ALTRIA GROUP INC            COM                 02209S103      951    12737 SH       SOLE                    12037        0      700
ALTRIA GROUP INC            COM                 02209S103       67      900 SH       DEFINED                   900        0        0
AMAZON COM INC              COM                 023135106       84     1800 SH       SOLE                     1800        0        0
AMAZON COM INC              COM                 023135106      240     5100 SH       DEFINED                     0        0     5100
AMBAC FINL GROUP INC        COM                 023139108      120     1560 SH       SOLE                     1560        0        0
AMERADA HESS CORP           COM                 023551104        4       34 SH       SOLE                       34        0        0
AMERADA HESS CORP           COM                 023551104      152     1200 SH       DEFINED                     0        0     1200
AMEREN CORP                 COM                 023608102       50      978 SH       SOLE                      978        0        0
AMERICAN ELEC PWR INC       COM                 025537101       33      900 SH       SOLE                      900        0        0
AMERICAN EXPRESS CO         COM                 025816109     1823    35445 SH       SOLE                    32585        0     2860
AMERICAN EXPRESS CO         COM                 025816109       15      300 SH       DEFINED                   300        0        0
AMERICAN INTL GROUP INC     COM                 026874107     4742    69514 SH       SOLE                    67199        0     2315
AMERICAN INTL GROUP INC     COM                 026874107      629     9227 SH       DEFINED                  8185        0     1042


                                                                  2




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

                                                                                                      
AMERISOURCEBERGEN CORP                          03073E105       23      565 SH       SOLE                      565        0        0
AMERITRADE CORP                                 03074K100       18      786 SH       SOLE                      786        0        0
AMERIPRISE FINL INC COM                         03076C106        4      120 SH       SOLE                       95        0       25
AMERIPRISE FINL INC COM                         03076C106        1       30 SH       DEFINED                    30        0        0
AMGEN INC                   COM                 031162100     1920    24350 SH       SOLE                    21660        0     2690
AMGEN INC                   COM                 031162100       21      270 SH       DEFINED                   270        0        0
AMSOUTH BANCORPORATION      COM                 032165102       29     1127 SH       SOLE                     1127        0        0
AMYLIN PHARMACEUTICALS INC                      032346108       13      348 SH       SOLE                      348        0        0
ANADARKO PETE CORP          COM                 032511107      315     3335 SH       SOLE                     3335        0        0
ANADARKO PETE CORP          COM                 032511107       75      800 SH       DEFINED                     0        0      800
ANALOG DEVICES INC          COM                 032654105       10      300 SH       SOLE                      300        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      272     6333 SH       SOLE                     5533        0      800
ANHEUSER BUSCH COS INC      COM                 035229103      137     3200 SH       DEFINED                  3200        0        0
AON CORP                    COM                 037389103       43     1200 SH       DEFINED                     0        0     1200
APACHE CORP                                     037411105     1705    24896 SH       SOLE                    23096        0     1800
APACHE CORP                                     037411105       19      278 SH       DEFINED                   278        0        0
APPLE COMPUTER INC          COM                 037833100      507     7065 SH       SOLE                     7015        0       50
APPLE COMPUTER INC          COM                 037833100        4       65 SH       DEFINED                    65        0        0
APPLERA CORP                COM AP BIO GRP      038020103       41     1560 SH       SOLE                     1560        0        0
APPLIED MATLS INC           COM                 038222105       82     4613 SH       SOLE                     4613        0        0
AQUA AMER INC                                   03836W103       13      500 SH       SOLE                      500        0        0
ARCHER DANIELS MIDLAND CO   COM                 039483102      416    16913 SH       SOLE                    16913        0        0
ARDEN RLTY INC              COM                 039793104       12      278 SH       SOLE                      278        0        0
ARIBA INC                                       04033V203        0       33 SH       SOLE                       33        0        0
ARROW ELECTRS INC           COM                 042735100        1       50 SH       SOLE                       50        0        0
AUTODESK INC                COM                 052769106       64     1505 SH       SOLE                     1505        0        0
AUTOMATIC DATA PROCESSING                       053015103      339     7400 SH       SOLE                     7400        0        0
AUTOMATIC DATA PROCESSING                       053015103       91     2000 SH       DEFINED                  2000        0        0
AVAYA INC                   COM                 053499109        4      428 SH       SOLE                      428        0        0
AVERY DENNISON CORP         COM                 053611109       13      240 SH       SOLE                      240        0        0
AVERY DENNISON CORP         COM                 053611109       16      300 SH       DEFINED                   300        0        0
AXCELIS TECHNOLOGIES INC    COM                 054540109        2      471 SH       SOLE                      471        0        0
BCE INC                     COM ADR             05534B109       27     1129 SH       SOLE                     1129        0        0


                                                                 3




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

                                                                                                      
BISYS GROUP INC             COM                 055472104       14     1000 SH       SOLE                     1000        0        0
BJ SVCS CO                  COM                 055482103        3       84 SH       SOLE                       84        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      537     8362 SH       SOLE                     8362        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      189     2950 SH       DEFINED                  1638        0     1312
BMC SOFTWARE INC                                055921100       27     1355 SH       SOLE                     1355        0        0
BAKER HUGHES INC            COM                 057224107       20      345 SH       SOLE                      345        0        0
BAKER HUGHES INC            COM                 057224107       42      700 SH       DEFINED                     0        0      700
BANK OF AMERICA CORPORATION COM                 060505104     6288   136257 SH       SOLE                   129727        0     6530
BANK OF AMERICA CORPORATION COM                 060505104      296     6435 SH       DEFINED                  4125        0     2310
BANK NEW YORK INC           COM                 064057102       54     1719 SH       SOLE                      719        0     1000
BANK NEW YORK INC           COM                 064057102        3      100 SH       DEFINED                   100        0        0
BARRICK GOLD CORP           COM ADR             067901108       29     1050 SH       SOLE                     1050        0        0
BAXTER INTL INC             COM                 071813109       36      969 SH       SOLE                      969        0        0
BAXTER INTL INC             COM                 071813109        3      100 SH       DEFINED                   100        0        0
BAXTER INTL INC PFD                             071813406       10      200 SH       SOLE                      200        0        0
BAYER AG SPONSORED ADR'S                        072730302        4      100 SH       SOLE                        0        0      100
BEAZER HOMES USA INC        COM                 07556Q105       29      400 SH       DEFINED                     0        0      400
BECTON DICKINSON & CO       COM                 075887109       81     1350 SH       SOLE                     1350        0        0
BED BATH & BEYOND INC       COM                 075896100        0       20 SH       SOLE                       20        0        0
BELLSOUTH CORP              COM                 079860102     2111    77936 SH       SOLE                    67794        0    10142
BELLSOUTH CORP              COM                 079860102      130     4800 SH       DEFINED                  3000        0     1800
BELO CORP                                       080555105        1       81 SH       SOLE                       81        0        0
BERKSHIRE HATHAWAY INC DEL  CL A                084670108       88        1 SH       SOLE                        0        0        1
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       82       28 SH       SOLE                       28        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207        8        3 SH       DEFINED                     3        0        0
BEST BUY INC                COM                 086516101       13      310 SH       SOLE                      310        0        0
BEST BUY INC                COM                 086516101       12      288 SH       DEFINED                   288        0        0
BIOMET INC                  COM                 090613100        3      100 SH       SOLE                      100        0        0
BIOGEN IDEC INC                                 09062X103       54     1200 SH       SOLE                      200        0     1000
BIOLASE TECHNOLOGY INC                          090911108       15     2000 SH       SOLE                     2000        0        0
BLACK & DECKER CORP         COM                 091797100      272     3130 SH       SOLE                     3130        0        0
BLACK & DECKER CORP         COM                 091797100       60      700 SH       DEFINED                     0        0      700
BLACKROCK INSD MUN 2008 TERM                    09247K109       19     1275          SOLE                     1275        0        0


                                                                 4





                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

                                                                                                      
BLACKROCK MUN TARGET TERM TR INC                09247M105       40     4144          SOLE                     4144        0        0
BLACKROCK INSD MUN INC TR                       092479104       16     1178 SH       SOLE                     1178        0        0
BLAIR CORP                                      092828102       14      363 SH       SOLE                      363        0        0
H & R BLOCK INC COM                             093671105      305    12455 SH       SOLE                    12455        0        0
BOEING CO                   COM                 097023105     1171    16685 SH       SOLE                    16685        0        0
BOEING CO                   COM                 097023105        2       35 SH       DEFINED                    35        0        0
BORG WARNER INC                                 099724106        1       25 SH       DEFINED                    25        0        0
BOSTON PPTYS INC                                101121101        7      105 SH       SOLE                      105        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      201     8776 SH       SOLE                     7676        0     1100
BRISTOL MYERS SQUIBB CO     COM                 110122108       82     3600 SH       DEFINED                  1600        0     2000
BROADCOM CORP               CL A                111320107       27      580 SH       SOLE                      580        0        0
BROADCOM CORP               CL A                111320107        1       35 SH       DEFINED                    35        0        0
BROWN FORMAN CORP           CL B                115637209      138     2000 SH       DEFINED                     0        0     2000
BRUNSWICK CORP                                  117043109       22      560 SH       SOLE                      560        0        0
BURLINGTON NORTHN SANTA FE CCOM                 12189T104      252     3570 SH       SOLE                     3570        0        0
BURLINGTON RES INC          COM                 122014103      281     3262 SH       SOLE                     3262        0        0
CH ENERGY GROUP INC                             12541M102       27      600 SH       SOLE                      600        0        0
CIGNA CORP                  COM                 125509109      201     1803 SH       SOLE                     1803        0        0
CIT GROUP INC               COM                 125581108       85     1655 SH       SOLE                     1655        0        0
CSX CORP                    COM                 126408103      338     6664 SH       SOLE                     6664        0        0
CSX CORP                    COM                 126408103        1       30 SH       DEFINED                    30        0        0
CVS CORP                    COM                 126650100      172     6540 SH       SOLE                     6540        0        0
CABLEVISION NY GROUP CL A                       12686C109        4      175 SH       SOLE                      175        0        0
CAMPBELL SOUP CO            COM                 134429109       37     1270 SH       SOLE                     1270        0        0
CAMPBELL SOUP CO            COM                 134429109       38     1300 SH       DEFINED                     0        0     1300
CANADIAN NATL RY CO         COM                 136375102        7      100 SH       SOLE                      100        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105      438     5070 SH       SOLE                     5070        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105       84      975 SH       DEFINED                     0        0      975
CAPSTON TURBINE CORP                            14067D102        1      500 SH       SOLE                      500        0        0
CARDINAL HEALTH INC         COM                 14149Y108      161     2356 SH       SOLE                     2356        0        0
CARDINAL HEALTH INC         COM                 14149Y108      165     2400 SH       DEFINED                  2400        0        0
CAREMARK RX INC                                 141705103       64     1253 SH       SOLE                     1253        0        0
CAREMARK RX INC                                 141705103        0       10 SH       DEFINED                    10        0        0


                                                                 5




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      

CARNIVAL CORP                                   143658300      207     3880 SH       SOLE                     3880        0        0
CARNIVAL CORP                                   143658300        0       15 SH       DEFINED                    15        0        0
CARRAMERICA RLTY CORP       COM                 144418100        9      277 SH       SOLE                      277        0        0
CATERPILLAR INC DEL         COM                 149123101      635    10997 SH       SOLE                    10917        0       80
CCE SPINCO INC COM                              14985W109        0       14 SH       SOLE                       14        0        0
CENTEX CORP                 COM                 152312104       75     1055 SH       SOLE                     1055        0        0
CENTEX CORP                 COM                 152312104       67      950 SH       DEFINED                     0        0      950
CENTRAL SECS CORP           COM                 155123102       18      790 SH       DEFINED                     0        0      790
CERIDIAN CORP NEW           COM                 156779100        3      155 SH       SOLE                      155        0        0
CERTEGY INC                 COM                 156880106       48     1200 SH       SOLE                     1200        0        0
CHAMPION ENTERPRISES                            158496109        4      360 SH       SOLE                      360        0        0
CHAPARRAL STL CO DEL                            159423102        9      300 SH       SOLE                      300        0        0
CHARLES RIV LABORATORIES    INTL INC            159864107        3       91 SH       SOLE                       91        0        0
CHARMING SHOPPES INC                            161133103        3      290 SH       SOLE                      290        0        0
CHEESECAKE FACTORY INC                          163072101        3      100 SH       SOLE                      100        0        0
CHEMED CORP INC                                 16359R103        8      170 SH       SOLE                      170        0        0
CHEVRON CORPORATION                             166764100     3510    61836 SH       SOLE                    58751        0     3085
CHEVRON CORPORATION                             166764100      188     3316 SH       DEFINED                  1050        0     2266
CHIRON CORP                 COM                 170040109        4      105 SH       SOLE                      105        0        0
CHOICEPOINT INC             COM                 170388102       42      960 SH       SOLE                      960        0        0
CHUBB CORP                  COM                 171232101      421     4315 SH       SOLE                     4315        0        0
CHUBB CORP                  COM                 171232101       31      325 SH       DEFINED                    25        0      300
CINERGY CORP                COM                 172474108        1       45 SH       SOLE                       45        0        0
CISCO SYS INC               COM                 17275R102     3259   190483 SH       SOLE                   179533        0    10950
CISCO SYS INC               COM                 17275R102      174    10225 SH       DEFINED                  6725        0     3500
CITIGROUP INC                                   172967101     6851   141210 SH       SOLE                   135151        0     6059
CITIGROUP INC                                   172967101      282     5829 SH       DEFINED                  3629        0     2200
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102        3      117 SH       SOLE                      117        0        0
CLOROX CO DEL               COM                 189054109      283     4988 SH       SOLE                     4888        0      100
CLOROX CO DEL               COM                 189054109       68     1200 SH       DEFINED                     0        0     1200
COCA COLA CO                COM                 191216100     1650    40957 SH       SOLE                    37922        0     3035
COCA COLA CO                COM                 191216100       98     2450 SH       DEFINED                   950        0     1500
COCA COLA ENTERPRISES INC   COM                 191219104        3      170 SH       SOLE                      170        0        0


                                                                 6



                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
COLGATE PALMOLIVE CO        COM                 194162103      881    16069 SH       SOLE                    16069        0        0
COLGATE PALMOLIVE CO        COM                 194162103      109     2000 SH       DEFINED                     0        0     2000
COLLEGIATE PACIFIC INC      COM NEW             194589206        0       20 SH       SOLE                       20        0        0
COLONIAL PPTYS TR           COM SH BEN INT      195872106        8      191 SH       SOLE                      191        0        0
COMCAST CORP NEW CL A                           20030N101      474    18310 SH       SOLE                    18310        0        0
COMCAST CORP NEW CL A                           20030N101       23      904 SH       DEFINED                     0        0      904
COMCAST CORP NEW                                20030N200       17      672 SH       SOLE                      672        0        0
COMCAST CORP NEW                                20030N200       28     1100 SH       DEFINED                   100        0     1000
COMMERCIAL METALS CO        COM                 201723103      109     2920 SH       SOLE                     2920        0        0
COMPUTER ASSOC INTL INC     COM                 204912109        3      137 SH       SOLE                      137        0        0
COMPUTER ASSOC INTL INC     COM                 204912109       22      800 SH       DEFINED                     0        0      800
COMPUTER SCIENCES CORP      COM                 205363104      243     4800 SH       SOLE                     4800        0        0
COMPUWARE CORP                                  205638109       67     7530 SH       SOLE                     7530        0        0
CONAGRA FOODS INC           COM                 205887102       71     3542 SH       SOLE                     3442        0      100
CONAGRA FOODS INC           COM                 205887102       30     1500 SH       DEFINED                     0        0     1500
CONEXANT SYSTEMS INC        COM                 207142100        1      600 SH       SOLE                      600        0        0
CONOCOPHILLIPS                                  20825C104      766    13172 SH       SOLE                    12488        0      684
CONSOLIDATED EDISON INC                         209115104       30      658 SH       SOLE                      658        0        0
CONSTELLATION BRANDS INC                        21036P108      181     6930 SH       SOLE                     6930        0        0
CONSTELLATION ENERGY CORP   COM                 210371100       67     1175 SH       DEFINED                    25        0     1150
CONVERGYS CORP              COM                 212485106       14      890 SH       SOLE                      890        0        0
CORN PRODS INTL INC         COM                 219023108        3      150 SH       SOLE                      150        0        0
CORNING INC                 COM                 219350105      272    13875 SH       SOLE                    13775        0      100
CORNING INC                 COM                 219350105        9      479 SH       DEFINED                   479        0        0
COSTCO WHSL CORP NEW        COM                 22160K105     1726    34897 SH       SOLE                    32047        0     2850
COSTCO WHSL CORP NEW        COM                 22160K105      138     2800 SH       DEFINED                  2800        0        0
COUNTRYWIDE FINANCIAL CORP                      222372104      105     3100 SH       DEFINED                     0        0     3100
COVANCE INC                 COM                 222816100        3       62 SH       SOLE                       62        0        0
COVENTRY HEALTH CARE INC                        222862104      109     1929 SH       SOLE                     1929        0        0
CREE INC                    COM                 225447101        3      150 SH       SOLE                      150        0        0
CROWN CASTLE INTL CORP      COM                 228227104        0       25 SH       DEFINED                    25        0        0
CRUCELL N V                 SPONSORED ADR       228769105       15      600 SH       DEFINED                   600        0        0
CUMMINS INC                 COM                 231021106      271     3030 SH       SOLE                     3030        0        0


                                                                 7




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
DNP SELECT INC FD INC COM                       23325P104       31     3000 SH       SOLE                     3000        0        0
DR HORTON INC                                   23331A109       73     2055 SH       SOLE                     2055        0        0
DTE ENERGY CO                                   233331107        5      135 SH       SOLE                      135        0        0
DANAHER CORP DEL            COM                 235851102       12      225 SH       SOLE                      225        0        0
DARDEN RESTAURANTS INC      COM                 237194105       24      620 SH       SOLE                      620        0        0
DEERE & CO                  COM                 244199105      276     4058 SH       SOLE                     4058        0        0
DEL MONTE FOODS                                 24522P103        0       89 SH       SOLE                       89        0        0
DELL INC                                        24702R101     2075    69306 SH       SOLE                    65491        0     3815
DELL INC                                        24702R101       90     3035 SH       DEFINED                  1835        0     1200
DELUXE CORP                 COM                 248019101        4      140 SH       SOLE                      140        0        0
DENTSPLY INTL INC NEW       COM                 249030107        5      100 SH       SOLE                      100        0        0
DIAGEO PLC SPN ADR NEW                          25243Q205        9      156 SH       SOLE                      156        0        0
DIEBOLD INC                 COM                 253651103        2       54 SH       SOLE                       54        0        0
THE DIRECTV GROUP INC.                          25459L106        8      617 SH       SOLE                      617        0        0
THE DIRECTV GROUP INC.                          25459L106       88     6300 SH       DEFINED                     0        0     6300
DISCOVERY HOLDING CO        COM SER A           25468Y107        2      146 SH       SOLE                      146        0        0
DISNEY WALT CO              COM DISNEY          254687106       99     4169 SH       SOLE                     4169        0        0
DISNEY WALT CO              COM DISNEY          254687106       47     2000 SH       DEFINED                     0        0     2000
DOMINION RES INC VA NEW     COM                 25746U109      364     4724 SH       SOLE                     4724        0        0
DOVER CORP                  COM                 260003108      148     3666 SH       SOLE                     3666        0        0
DOW CHEM CO                 COM                 260543103       15      360 SH       SOLE                      360        0        0
DOW JONES & CO INC          COM                 260561105       46     1300 SH       DEFINED                     0        0     1300
DU PONT E I DE NEMOURS & CO COM                 263534109      868    20446 SH       SOLE                    20096        0      350
DU PONT E I DE NEMOURS & CO COM                 263534109       96     2275 SH       DEFINED                   875        0     1400
DUKE ENERGY CORP COM                            264399106      114     4188 SH       SOLE                     3988        0      200
DUKE ENERGY CORP COM                            264399106       68     2500 SH       DEFINED                     0        0     2500
DUKE REALTY CORP                                264411505       22      686 SH       SOLE                      686        0        0
E M C CORP MASS             COM                 268648102       25     1847 SH       SOLE                     1847        0        0
E M C CORP MASS             COM                 268648102        2      200 SH       DEFINED                   200        0        0
ENI SPA SPONSER ADR                             26874R108        3       25 SH       SOLE                       25        0        0
EASTMAN CHEM CO             COM                 277432100       24      478 SH       SOLE                      478        0        0
EASTMAN KODAK CO            COM                 277461109       50     2174 SH       SOLE                     2174        0        0
EASTMAN KODAK CO            COM                 277461109       35     1500 SH       DEFINED                     0        0     1500


                                                                 8



                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
EATON VANCE CORP COM                            278058102       58      871 SH       SOLE                      871        0        0
EATON VANCE CORP COM                            278058102       87     1300 SH       DEFINED                     0        0     1300
EBAY INC                    COM                 278642103      149     3465 SH       DEFINED                    65        0     3400
ECHOSTAR COMMUNICATIONS                         278762109        2       92 SH       SOLE                       92        0        0
ECOLAB INC                  COM                 278865100       50     1400 SH       SOLE                     1400        0        0
ECOLAB INC                  COM                 278865100       21      600 SH       DEFINED                   600        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        1       40 SH       SOLE                       40        0        0
EDWARDS AG INC              COM                 281760108      175     3750 SH       SOLE                     3750        0        0
EL PASO ENERGY CORP DEL     COM                 28336L109        7      644 SH       SOLE                      644        0        0
ELECTRONIC ARTS INC         COM                 285512109        6      131 SH       SOLE                      131        0        0
ELECTRONIC ARTS INC         COM                 285512109       96     1845 SH       DEFINED                    45        0     1800
ELECTRONIC DATA SYS NEW     COM                 285661104       66     2746 SH       SOLE                     2746        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104        1       50 SH       DEFINED                    50        0        0
ELECTRONICS FOR IMAGING INC                     286082102        0       20 SH       SOLE                       20        0        0
EMERSON ELEC CO             COM                 291011104     2044    27373 SH       SOLE                    25298        0     2075
EMERSON ELEC CO             COM                 291011104      138     1850 SH       DEFINED                  1850        0        0
EMPIRE DIST ELEC CO         COM                 291641108        4      200 SH       SOLE                        0        0      200
EMULEX CORP                                     292475209        8      420 SH       SOLE                      420        0        0
ENBRIDGE ENERGY PART LP COM                     29250R106        6      150 SH       SOLE                      150        0        0
ENERGY CONVERSION DEV INC                       292659109        4      100 SH       SOLE                      100        0        0
ENERGY EAST CORP            COM                 29266M109      122     5356 SH       SOLE                     5256        0      100
ENERGIZER HLDGS INC         COM                 29266R108        6      140 SH       DEFINED                     0        0      140
ENGELHARD CORP              COM                 292845104        3      110 SH       SOLE                      110        0        0
EQUIFAX INC                 COM                 294429105       79     2100 SH       SOLE                     2100        0        0
EQUITABLE RES INC           COM                 294549100       55     1514 SH       SOLE                     1514        0        0
EQUITY FUND                                     294700703       44      600 SH       SOLE                      600        0        0
ERICSSON TELEPHONE CO ADR                       294821608       11      320 SH       DEFINED                   320        0        0
EXELON CORP                 COM                 30161N101     5266    99124 SH       SOLE                    93249        0     5875
EXELON CORP                 COM                 30161N101       92     1750 SH       DEFINED                  1750        0        0
EXPEDIA INC DEL                                 30212P105        0       30 SH       SOLE                       30        0        0
EXPEDIA INC DEL                                 30212P105       98     4100 SH       DEFINED                     0        0     4100
EXPEDITORS INTL WASH INC    COM                 302130109       13      200 SH       SOLE                      200        0        0
EXPRESS SCRIPTS INC         COM                 302182100       82      985 SH       SOLE                      985        0        0


                                                                 9



                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
EXTREME NETWORKS INC                            30226D106        0      150 SH       SOLE                      150        0        0
EXXON MOBIL CORP            COM                 30231G102    11379   202585 SH       SOLE                   188854        0    13731
EXXON MOBIL CORP            COM                 30231G102     1784    31767 SH       DEFINED                 28671        0     3096
FMC TECHNOLOGIES INC        COM                 30249U101        2       65 SH       SOLE                       65        0        0
FPL GROUP INC               COM                 302571104       19      474 SH       SOLE                       74        0      400
FPL GROUP INC               COM                 302571104       21      524 SH       DEFINED                   324        0      200
FAMILY DLR STORES INC                           307000109        1       66 SH       SOLE                       66        0        0
FEDERAL HOME LN MTGE COMPANY                    313400301        3       47 SH       SOLE                       47        0        0
FEDERAL HOME LN MTGE COMPANY                    313400301        1       25 SH       DEFINED                    25        0        0
FEDERAL NATL MTG ASSN       COM                 313586109       86     1778 SH       SOLE                     1778        0        0
FEDERAL NATL MTG ASSN       COM                 313586109        2       50 SH       DEFINED                    50        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101        8      121 SH       SOLE                      121        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101       26      404 SH       DEFINED                     0        0      404
FEDEX CORP                                      31428X106      100      970 SH       SOLE                      970        0        0
FIFTH THIRD BANCORP         COM                 316773100      136     3612 SH       SOLE                     3612        0        0
FIRST DATA CORP             COM                 319963104       51     1199 SH       SOLE                     1199        0        0
FIRST DATA CORP             COM                 319963104        8      200 SH       DEFINED                   200        0        0
FIRST HORIZON NATL CORP                         320517105       26      686 SH       SOLE                      686        0        0
FIRST INDUSTRIAL REALTY TRUSCOM                 32054K103       14      376 SH       SOLE                      376        0        0
FIRST NIAGARA FINL INC                          33582V108       14     1011 SH       SOLE                     1011        0        0
FIRST NIAGARA FINL INC                          33582V108        9      655 SH       DEFINED                   655        0        0
FIRSTENERGY CORP            COM                 337932107       97     1996 SH       SOLE                     1941        0       55
FORD MOTOR CO                                   345370860        5      725 SH       SOLE                      725        0        0
FOREST LABS INC             COM                 345838106        5      142 SH       SOLE                      142        0        0
FORTUNE BRANDS INC          COM                 349631101      559     7167 SH       SOLE                     7167        0        0
FRANKLIN RESOURCES INC.                         354613101      105     1120 SH       SOLE                     1120        0        0
FRANKLIN RESOURCES INC.                         354613101        1       15 SH       DEFINED                    15        0        0
FREEPORT MCMORAN COPPER     & GOLD INC CL B     35671D857        8      165 SH       SOLE                      165        0        0
FREESCALE SEMICONDUCTOR INC                     35687M206       42     1700 SH       SOLE                     1700        0        0
FREESCALE SEMICONDUCTOR INC                     35687M206       16      662 SH       DEFINED                   662        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109      388     6455 SH       SOLE                     6455        0        0
GANNETT INC                 COM                 364730101      324     5363 SH       SOLE                     5363        0        0
GANNETT INC                 COM                 364730101       93     1550 SH       DEFINED                   150        0     1400


                                                                 10




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

                                                                                                      
GAP INC DEL                 COM                 364760108        9      567 SH       SOLE                      567        0        0
GEMSTAR TV GUIDE INC                            36866W106        0      200 SH       SOLE                      200        0        0
GENENTECH INC               COM NEW             368710406       26      285 SH       SOLE                      285        0        0
GENENTECH INC               COM NEW             368710406        2       30 SH       DEFINED                    30        0        0
GENERAL ELECTRIC CO         COM                 369604103    10683   304893 SH       SOLE                   283553        0    21340
GENERAL ELECTRIC CO         COM                 369604103      651    18604 SH       DEFINED                 17404        0     1200
GENERAL MLS INC             COM                 370334104        6      140 SH       SOLE                      140        0        0
GENERAL MLS INC             COM                 370334104       73     1500 SH       DEFINED                     0        0     1500
GENERAL MTRS CORP           COM                 370442105        7      388 SH       SOLE                      388        0        0
GENUINE PARTS CO            COM                 372460105       43     1000 SH       SOLE                     1000        0        0
GENUINE PARTS CO            COM                 372460105       65     1500 SH       DEFINED                     0        0     1500
GENZYME CORP COM                                372917104       15      215 SH       SOLE                      215        0        0
GILEAD SCIENCES INC         COM                 375558103       99     1886 SH       SOLE                     1886        0        0
GILEAD SCIENCES INC         COM                 375558103        0       10 SH       DEFINED                    10        0        0
GLAXO HOLDINGS PLC SPONSORED ADR                37733W105      121     2405 SH       SOLE                     2405        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104      257     2020 SH       SOLE                     2020        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104        3       25 SH       DEFINED                    25        0        0
GOODRICH CORP                                   382388106        1       25 SH       DEFINED                    25        0        0
GOODYEAR TIRE & RUBR CO     COM                 382550101        1       60 SH       SOLE                       60        0        0
GOOGLE INC                                      38259P508       37       90 SH       SOLE                       90        0        0
GOOGLE INC                                      38259P508      195      472 SH       DEFINED                    12        0      460
GRAINGER W W INC            COM                 384802104      156     2200 SH       SOLE                     2200        0        0
GRANT PRIDECO INC                               38821G101        2       50 SH       SOLE                       50        0        0
GREAT PLAINS ENERGY INC     COM                 391164100       22      800 SH       SOLE                      600        0      200
GUIDANT CORP                COM                 401698105      295     4562 SH       SOLE                     4562        0        0
HCA INC                                         404119109      161     3190 SH       SOLE                     3190        0        0
HRPT PPTYS TR               COM SH BEN INT      40426W101       13     1308 SH       SOLE                     1308        0        0
HSBC HLDGS PLC              SPON ADR NEW        404280406       44      557 SH       SOLE                      557        0        0
HALLIBURTON CO              COM                 406216101       33      534 SH       SOLE                      534        0        0
HALLIBURTON CO              COM                 406216101        2       40 SH       DEFINED                    40        0        0
JOHN HANCOCK PFD INC FD II                      41013X106       21     1000 SH       SOLE                        0        0     1000
HARDINGE INC                COM                 412324303       15      900 SH       SOLE                      900        0        0
HARLEY DAVIDSON INC         COM                 412822108     1490    28948 SH       SOLE                    26498        0     2450
HARLEY DAVIDSON INC         COM                 412822108       69     1350 SH       DEFINED                  1350        0        0


                                                                 11




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
HARMAN INTL INDUSTRIES INC  NEW                 413086109        5       61 SH       SOLE                       61        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104        4       58 SH       SOLE                       58        0        0
HASBRO INC                  COM                 418056107        4      210 SH       SOLE                      210        0        0
HASBRO INC                  COM                 418056107       50     2500 SH       DEFINED                     0        0     2500
HAWAIIAN ELEC INDUSTRIES    COM                 419870100       10      400 SH       SOLE                      400        0        0
HEALTH CARE PPTY INVS                           421915109       28     1134 SH       SOLE                     1134        0        0
HEALTH MANAGEMENT CLASS A                       421933102       29     1350 SH       SOLE                     1350        0        0
HEALTHCARE RLTY TR          COM                 421946104       12      375 SH       SOLE                      375        0        0
HEALTH CARE REIT INC        COM                 42217K106        7      235 SH       SOLE                      235        0        0
HEALTH NET INC              A                   42222G108      113     2200 SH       DEFINED                     0        0     2200
HEINZ H J CO                COM                 423074103      132     3931 SH       SOLE                     2281        0     1650
HERCULES INC                COM                 427056106        5      500 SH       DEFINED                     0        0      500
THE HERSHEY COMPANY                             427866108      215     3900 SH       SOLE                     3900        0        0
HEWLETT PACKARD CO          COM                 428236103     2606    91055 SH       SOLE                    86355        0     4700
HEWLETT PACKARD CO          COM                 428236103      111     3904 SH       DEFINED                   750        0     3154
HOME DEPOT INC              COM                 437076102     5340   131963 SH       SOLE                   125913        0     6050
HOME DEPOT INC              COM                 437076102      338     8375 SH       DEFINED                  6175        0     2200
HONEYWELL INTL INC          COM                 438516106       41     1111 SH       SOLE                     1111        0        0
HOSPITALITY PROPERTIES      TRUST               44106M102       12      307 SH       SOLE                      307        0        0
HOSPIRA INC                                     441060100        4      100 SH       DEFINED                     0        0      100
HUMANA INC                  COM                 444859102      394     7270 SH       SOLE                     7270        0        0
IAC/INTERACTIVE CORP                            44919P300        0       30 SH       SOLE                       30        0        0
IAC/INTERACTIVE CORP                            44919P300      107     3800 SH       DEFINED                     0        0     3800
IMS HEALTH INC                                  449934108        2       89 SH       SOLE                       89        0        0
ITT INDS INC IND            COM                 450911102       53      523 SH       SOLE                      523        0        0
IKON OFFICE SOLUTIONS INC                       451713101        0       70 SH       SOLE                       70        0        0
ILLINOIS TOOL WKS INC       COM                 452308109     1639    18637 SH       SOLE                    17187        0     1450
ILLINOIS TOOL WKS INC       COM                 452308109      101     1150 SH       DEFINED                  1150        0        0
IMCLONE SYS INC                                 45245W109        2       79 SH       SOLE                       79        0        0
INTEL CORP                  COM                 458140100     6161   246972 SH       SOLE                   233762        0    13210
INTEL CORP                  COM                 458140100      481    19290 SH       DEFINED                 18690        0      600
INTERNATIONAL BUSINESS MACHS COM                459200101     4805    58466 SH       SOLE                    55934        0     2532
INTERNATIONAL BUSINESS MACHS COM                459200101      237     2884 SH       DEFINED                  2234        0      650


                                                                 12




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       14      436 SH       SOLE                      436        0        0
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       33     1000 SH       DEFINED                     0        0     1000
INTL PAPER CO               COM                 460146103        7      231 SH       SOLE                      231        0        0
INTL PAPER CO               COM                 460146103       70     2110 SH       DEFINED                     0        0     2110
INTERNATIONAL RECTIFIER CORPCOM                 460254105        1       36 SH       SOLE                       36        0        0
INTERPUBLIC GROUP COS INC   COM                 460690100        0       20 SH       SOLE                       20        0        0
INTUIT                      COM                 461202103       69     1300 SH       DEFINED                     0        0     1300
ISHS TR S & P MIDCAP 400 IND                    464287507     3838    52016 SH       SOLE                    51776        0      240
ISHS TR S & P MIDCAP 400 IND                    464287507       25      350 SH       DEFINED                   350        0        0
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648     2141    30744 SH       SOLE                    30579        0      165
ISHARES TR                  DJ US TELECOMM      464287713       91     4000 SH       SOLE                        0        0     4000
IVAX CORP                   COM                 465823102      205     6562 SH       SOLE                     6562        0        0
JDS UNIPHASE CORP           COM                 46612J101        1      515 SH       SOLE                      515        0        0
JPMORGAN CHASE & CO         COM                 46625H100     2201    55489 SH       SOLE                    51464        0     4025
JPMORGAN CHASE & CO         COM                 46625H100      311     7845 SH       DEFINED                   550        0     7295
JACUZZI BRANDS INC.                             469865109        5      640 SH       SOLE                      640        0        0
JEFFERSON PILOT CORP        COM                 475070108        6      115 SH       SOLE                      115        0        0
JOHNSON & JOHNSON           COM                 478160104     6036   100434 SH       SOLE                    94154        0     6280
JOHNSON & JOHNSON           COM                 478160104      930    15485 SH       DEFINED                 13235        0     2250
JOHNSON CTLS INC            COM                 478366107      292     4010 SH       SOLE                     4010        0        0
JONES APPAREL GROUP INC     COM                 480074103       14      465 SH       SOLE                      465        0        0
JONES APPAREL GROUP INC     COM                 480074103        0       25 SH       DEFINED                    25        0        0
JUNIPER NETWORKS INC        COM                 48203R104        2       91 SH       SOLE                       91        0        0
JUNIPER NETWORKS INC        COM                 48203R104        1       65 SH       DEFINED                    65        0        0
KLA-TENCOR CORP                                 482480100        3       62 SH       SOLE                       62        0        0
KB HOME                     COM                 48666K109       26      365 SH       SOLE                      365        0        0
KELLOGG CO                  COM                 487836108      391     9048 SH       SOLE                     9048        0        0
KERR MCGEE CORP             COM                 492386107       30      338 SH       SOLE                      338        0        0
KEYCORP NEW                 COM                 493267108      124     3780 SH       SOLE                     3780        0        0
KEYSPAN CORP                COM                 49337W100       93     2630 SH       SOLE                     2630        0        0
KIMBERLY CLARK CORP         COM                 494368103      413     6936 SH       SOLE                     6936        0        0
KIMBERLY CLARK CORP         COM                 494368103       59     1000 SH       DEFINED                     0        0     1000
KINDER MORGAN INC KANS      COM                 49455P101        4       45 SH       SOLE                       45        0        0


                                                                 13




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
KINDER MORGAN ENERGY PARTNER LTD PARTNER        494550106       87     1826 SH       SOLE                     1826        0        0
KING PHARMACEUTICALS INC                        495582108      152     9030 SH       SOLE                     9030        0        0
KNIGHT RIDDER INC                               499040103        1       29 SH       SOLE                       29        0        0
KOHLS CORP                  COM                 500255104        7      160 SH       SOLE                      160        0        0
KONINKLIJKE PHILIPS ELECTRS NV SP ADR           500472303       34     1101 SH       SOLE                     1101        0        0
KRAFT FOODS INC             CL A                50075N104       18      645 SH       SOLE                      645        0        0
KROGER CO                   COM                 501044101        8      466 SH       SOLE                      466        0        0
KROGER CO                   COM                 501044101        0       50 SH       DEFINED                    50        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104      524     7053 SH       SOLE                     7053        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409      538    10010 SH       SOLE                    10010        0        0
LANCASTER COLONY CORP       COM                 513847103       38     1050 SH       SOLE                     1050        0        0
LAUDER ESTEE COS INC        CL A                518439104        2       76 SH       SOLE                       76        0        0
LEAR CORP                   COM                 521865105        0       25 SH       DEFINED                    25        0        0
LEGGETT & PLATT INC         COM                 524660107       36     1600 SH       SOLE                     1600        0        0
LEGG MASON INC              COM                 524901105       17      150 SH       SOLE                      150        0        0
LEGG MASON INC              COM                 524901105        0        5 SH       DEFINED                     5        0        0
LEHMAN BROTHERS HOLDING INC                     524908100      514     4012 SH       SOLE                     4012        0        0
LENNAR CORP                 COM                 526057104       33      545 SH       SOLE                      545        0        0
LIBERTY GLOBAL INC                              530555101        0       10 SH       SOLE                       10        0        0
LIBERTY GLOBAL INC          COM SER A           530555309        0       10 SH       SOLE                       10        0        0
LIBERTY MEDIA CORP NEW                          530718105       11     1477 SH       SOLE                     1477        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       16      378 SH       SOLE                      378        0        0
LILLY ELI & CO              COM                 532457108      171     3028 SH       SOLE                     3028        0        0
LILLY ELI & CO              COM                 532457108        1       25 SH       DEFINED                    25        0        0
LIMITED BRANDS INC          COM                 532716107        9      420 SH       SOLE                      420        0        0
LINCOLN NATL CORP IND       COM                 534187109      339     6397 SH       SOLE                     6397        0        0
LLOYDS TSB GROUP PLC        SPONSORED ADR       539439109        4      125 SH       SOLE                      125        0        0
LOCKHEED MARTIN CORP        COM                 539830109      199     3142 SH       SOLE                     3142        0        0
LOEWS CORP                  CAROLNA GP STK      540424207       30      694 SH       SOLE                      694        0        0
LOWES COS INC               COM                 548661107       83     1250 SH       SOLE                     1150        0      100
LOWES COS INC               COM                 548661107       15      230 SH       DEFINED                   230        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       27    10238 SH       SOLE                    10238        0        0
M&T BANK CORPORATION                            55261F104       97      895 SH       SOLE                      895        0        0


                                                                 14




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
MBIA INC                    COM                 55262C100        9      150 SH       SOLE                      150        0        0
MBNA CORP                   COM                 55262L100     1986    73202 SH       SOLE                    67892        0     5310
MBNA CORP                   COM                 55262L100       18      700 SH       DEFINED                   700        0        0
MGIC INVT CORP WIS          COM                 552848103      136     2070 SH       SOLE                     2070        0        0
MGIC INVT CORP WIS          COM                 552848103       72     1100 SH       DEFINED                     0        0     1100
MACK CALI RLTY CORP         COM                 554489104       19      462 SH       SOLE                      462        0        0
MAGNA INTL INC              CL A ADR            559222401        1       25 SH       DEFINED                    25        0        0
MANOR CARE INC                                  564055101       38      970 SH       SOLE                      970        0        0
MANULIFE FINL CORP COM                          56501R106       52      887 SH       SOLE                      887        0        0
MANULIFE FINL CORP COM                          56501R106      104     1777 SH       DEFINED                     0        0     1777
MARATHON OIL CORP                               565849106       70     1149 SH       SOLE                     1149        0        0
MARATHON OIL CORP                               565849106      103     1700 SH       DEFINED                     0        0     1700
MARSH & MCLENNAN COS INC    COM                 571748102        4      126 SH       SOLE                      126        0        0
MARSH & MCLENNAN COS INC    COM                 571748102       47     1500 SH       DEFINED                     0        0     1500
MARSHALL & ILSLEY CORP      COM                 571834100      154     3600 SH       SOLE                     3600        0        0
MARRIOTT INTL INC NEW  CLA                      571903202       93     1400 SH       SOLE                     1400        0        0
MARRIOTT INTL INC NEW  CLA                      571903202       40      600 SH       DEFINED                     0        0      600
MARTHA STEWART LIVING                           573083102        0       45 SH       SOLE                       45        0        0
MASCO CORPORATION                               574599106        9      310 SH       SOLE                      310        0        0
MASCO CORPORATION                               574599106       21      700 SH       DEFINED                     0        0      700
MATTEL INC                  COM                 577081102        2      179 SH       SOLE                      179        0        0
MAXTOR CORP                                     577729205        0      125 SH       SOLE                      125        0        0
MCCORMICK & CO INC          COM NON VTG         579780206       81     2650 SH       SOLE                     2650        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      129     4200 SH       DEFINED                  1200        0     3000
MCDONALDS CORP              COM                 580135101     5062   150146 SH       SOLE                   142066        0     8080
MCDONALDS CORP              COM                 580135101      116     3450 SH       DEFINED                  2350        0     1100
MCGRAW HILL COS INC         COM                 580645109       91     1764 SH       SOLE                     1764        0        0
MCKESSON CORPORATION        COM                 58155Q103      376     7305 SH       SOLE                     7305        0        0
MCKESSON CORPORATION        COM                 58155Q103      126     2450 SH       DEFINED                     0        0     2450
MEADWESTVACO CORP                               583334107       40     1434 SH       SOLE                     1434        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102      289     5194 SH       SOLE                     5194        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102        1       25 SH       DEFINED                    25        0        0
MEDIS TECHNOLOGIES                              58500P107        1      100 SH       SOLE                      100        0        0


                                                                 15




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
MEDTRONIC INC               COM                 585055106     3813    66257 SH       SOLE                    62347        0     3910
MEDTRONIC INC               COM                 585055106      123     2150 SH       DEFINED                  2150        0        0
MELLON FINL CORP            COM                 58551A108        6      182 SH       SOLE                      182        0        0
MELLON FINL CORP            COM                 58551A108       68     2000 SH       DEFINED                     0        0     2000
MERCK & CO INC              COM                 589331107      587    18490 SH       SOLE                    14790        0     3700
MERCK & CO INC              COM                 589331107       47     1500 SH       DEFINED                     0        0     1500
MERRILL LYNCH & CO INC      COM                 590188108       48      720 SH       SOLE                      720        0        0
MERRILL LYNCH & CO INC      COM                 590188108        2       35 SH       DEFINED                    35        0        0
MESABIT TRUST                                   590672101        3      200 SH       SOLE                      200        0        0
METLIFE INC                 COM                 59156R108      157     3221 SH       SOLE                     3221        0        0
METLIFE INC                 COM                 59156R108        2       45 SH       DEFINED                    45        0        0
METTLER-TOLEDO INTL INC                         592688105        3       57 SH       SOLE                       57        0        0
MICROSOFT CORP              COM                 594918104     5241   200511 SH       SOLE                   192236        0     8275
MICROSOFT CORP              COM                 594918104      299    11440 SH       DEFINED                 10240        0     1200
MICROMUSE INC                                   595094103        2      285 SH       SOLE                      285        0        0
MICRON TECHNOLOGY INC                           595112103       60     4535 SH       SOLE                     4535        0        0
MILLENNIUM PHARMACEUTICALS ICOM                 599902103        2      300 SH       SOLE                      300        0        0
MILLIPORE CORP                                  601073109       13      200 SH       SOLE                      200        0        0
MINDSPEED TECHNOLOGIES INC                      602682106        0      200 SH       SOLE                      200        0        0
MOHAWK INDS INC             COM                 608190104        5       66 SH       SOLE                       66        0        0
MONEYGRAM INTL INC                              60935Y109        2       90 SH       SOLE                       90        0        0
MONSANTO CO (NEW)                               61166W101       84     1085 SH       SOLE                     1085        0        0
MORGAN STANLEY ASIA PACIFIC FUND INC            61744U106       77     5000 SH       SOLE                     5000        0        0
MORGAN STANLEY              DISCOVER & CO       617446448     3859    68027 SH       SOLE                    64477        0     3550
MORGAN STANLEY              DISCOVER & CO       617446448      147     2606 SH       DEFINED                  1406        0     1200
MOTOROLA INC                COM                 620076109      148     6589 SH       SOLE                     6589        0        0
MOTOROLA INC                COM                 620076109      180     8000 SH       DEFINED                  6000        0     2000
MUNI ASSETS FUND INC                            62618Q106       11      850          SOLE                      850        0        0
MUNIYIELD NY INSD FD INC                        626301105       10      735          SOLE                      735        0        0
MURPHY OIL CORP             COM                 626717102        3       60 SH       SOLE                       60        0        0
MYLAN LABS INC              COM                 628530107        8      450 SH       SOLE                      450        0        0
NBT BANCORP INC             COM                 628778102      352    16309 SH       SOLE                    16309        0        0
NCR CORP NEW                COM                 62886E108        9      284 SH       SOLE                      284        0        0


                                                                 16




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
NASDAQ-100 TRUST SERIES I                       631100104        8      200 SH       SOLE                      200        0        0
NATIONAL CITY CORP          COM                 635405103       38     1140 SH       SOLE                     1140        0        0
NATIONAL CITY CORP          COM                 635405103       95     2835 SH       DEFINED                    35        0     2800
NATIONAL SEMICONDUCTOR CORP COM                 637640103       63     2453 SH       SOLE                     2453        0        0
NATIONWIDE HEALTH PPTYS INC COM                 638620104        7      346 SH       SOLE                      346        0        0
NATURAL RESOURCE PARTNERS LP                    63900P103       30      600 SH       SOLE                      600        0        0
NEENAH PAPER INC                                640079109        0       30 SH       DEFINED                     0        0       30
NEWORK APPLIANCE INC.                           64120L104        0       30 SH       DEFINED                    30        0        0
NEW YORK COMMUNITY BANCORP  INC                 649445103        1       91 SH       SOLE                       91        0        0
NEW YORK TIMES CO           CL A                650111107     2061    77935 SH       SOLE                    77935        0        0
NEW YORK TIMES CO           CL A                650111107       42     1600 SH       DEFINED                     0        0     1600
NEWELL RUBBERMAID INC COM                       651229106        5      252 SH       SOLE                      252        0        0
NEWELL RUBBERMAID INC COM                       651229106       90     3800 SH       DEFINED                     0        0     3800
NEWFIELD EXPL CO                                651290108        3       66 SH       SOLE                       66        0        0
NEWMONT MIN CO (HOLD CO)    COM                 651639106        7      137 SH       SOLE                      137        0        0
NEWPARK RESOURCES INC                           651718504        1      200 SH       SOLE                      200        0        0
NEWS CORP CL A                                  65248E104        4      260 SH       SOLE                      260        0        0
NEW CORP CL B                                   65248E203        0       20 SH       SOLE                       20        0        0
NICOR INC                                       654086107       17      453 SH       SOLE                      453        0        0
NIKE INC                    CL B                654106103       21      248 SH       SOLE                      248        0        0
NISOURCE INC                COM                 65473P105       65     3122 SH       SOLE                     3122        0        0
NOKIA CORP PFD SPONS ADR                        654902204        7      430 SH       SOLE                      280        0      150
NOKIA CORP PFD SPONS ADR                        654902204       45     2500 SH       DEFINED                     0        0     2500
NORDSTROM INC               COM                 655664100      181     4860 SH       SOLE                     4860        0        0
NORFOLK SOUTHERN CORP       COM                 655844108      276     6165 SH       SOLE                     6165        0        0
NORTEL NETWORKS CORP NEW    COM ADR             656568102        3     1102 SH       SOLE                     1102        0        0
NORTEL NETWORKS CORP NEW    COM ADR             656568102        1      450 SH       DEFINED                   450        0        0
NORTHERN TR CORP            COM                 665859104        0       10 SH       DEFINED                    10        0        0
NORTHROP GRUMMAN CORP COM                       666807102      114     1912 SH       SOLE                     1912        0        0
NOVARTIS AG                                     66987V109        5      114 SH       SOLE                      114        0        0
NUCOR CORP                  COM                 670346105      282     4235 SH       SOLE                     4235        0        0
NVIDIA CORP                                     67066G104      159     4365 SH       SOLE                     4365        0        0
OGE ENERGY CORP             COM                 670837103       46     1723 SH       SOLE                     1723        0        0


                                                                 17




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
OCCIDENTAL PETE CORP DEL    COM                 674599105      246     3087 SH       SOLE                     3087        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105        1       25 SH       DEFINED                    25        0        0
OFFICE DEPOT INC            COM                 676220106      102     3250 SH       SOLE                     3250        0        0
ORACLE CORP                 COM                 68389X105      115     9430 SH       SOLE                     9140        0      290
ORACLE CORP                 COM                 68389X105       10      900 SH       DEFINED                   900        0        0
PG&E CORP                   COM                 69331C108       24      655 SH       SOLE                      655        0        0
PMC-SIERRA INC              COM                 69344F106        1      200 SH       SOLE                      200        0        0
PMI GROUP INC                                   69344M101        0       15 SH       SOLE                       15        0        0
PNC FINL SVCS GROUP INC     COM                 693475105     1479    23936 SH       SOLE                    21811        0     2125
PNC FINL SVCS GROUP INC     COM                 693475105       89     1450 SH       DEFINED                     0        0     1450
PPG INDS INC                COM                 693506107       66     1140 SH       SOLE                     1140        0        0
PPL CORP                                        69351T106       58     2000 SH       SOLE                     2000        0        0
PACCAR INC                  COM                 693718108      490     7084 SH       SOLE                     7084        0        0
PACIFIC SUNWEAR OF          CALIFORNIA INC      694873100       12      500 SH       DEFINED                   500        0        0
PACKAGING CORP AMER         COM                 695156109       22      995 SH       SOLE                      995        0        0
PACTIV CORP                 COM                 695257105       78     3555 SH       SOLE                     3555        0        0
PALL CORP                   COM                 696429307       26     1000 SH       DEFINED                     0        0     1000
PANACOS PHARMACEUTICALS INC                     69811Q106        0       20 SH       SOLE                        0        0       20
PARKER HANNIFIN CORP        COM                 701094104        2       39 SH       SOLE                       39        0        0
PAYCHEX INC                 COM                 704326107        4      122 SH       SOLE                      122        0        0
PENGROWTH ENERGY TRUST                          706902301       11      500 SH       DEFINED                   500        0        0
PENNEY J C INC              COM                 708160106       78     1415 SH       SOLE                     1415        0        0
PEOPLES ENERGY CORP         COM                 711030106       18      515 SH       SOLE                      415        0      100
PEPCO HOLDINGS INC                              713291102       21      952 SH       SOLE                      952        0        0
PEPSICO INC                 COM                 713448108     5320    90050 SH       SOLE                    86150        0     3900
PEPSICO INC                 COM                 713448108      313     5300 SH       DEFINED                  5300        0        0
PERFORMANCE TECHNOLOGIES INCCOM                 71376K102        0       50 SH       SOLE                       50        0        0
PERKINELMER INC COM                             714046109       47     2000 SH       SOLE                     2000        0        0
PETROCHINA CO LTD                               71646E100        4       50 SH       SOLE                       50        0        0
PETROLEO BRASILEIRO SA                          71654V408        4       65 SH       SOLE                       65        0        0
PFIZER INC                  COM                 717081103     3037   130292 SH       SOLE                   109387        0    20905
PFIZER INC                  COM                 717081103      365    15690 SH       DEFINED                 13190        0     2500
PHELPS DODGE CORP           COM                 717265102       21      150 SH       SOLE                      150        0        0


                                                                 18




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
PHOENIX COS INC NEW         COM                 71902E109       13     1006 SH       SOLE                     1006        0        0
PINNACLE WEST CAP CORP      COM                 723484101       61     1486 SH       SOLE                     1486        0        0
PIONEER NATURAL RESOURCES CO                    723787107        3       59 SH       SOLE                       59        0        0
PITNEY BOWES INC            COM                 724479100      323     7665 SH       SOLE                     7665        0        0
PLAINS ALL AMERICAN         PIPELINE LP         726503105        3      100 SH       SOLE                        0        0      100
PLAINS EXPL & PRODTN CO COM                     726505100        3       81 SH       SOLE                       81        0        0
PLUM CREEK TIMBER CO INC    COM                 729251108        9      274 SH       SOLE                      274        0        0
POTASH CORP SASK INC                            73755L107        8      109 SH       SOLE                      109        0        0
PRAXAIR INC                 COM                 74005P104       71     1353 SH       SOLE                     1003        0      350
PROCTER & GAMBLE CO         COM                 742718109     6068   104843 SH       SOLE                    98809        0     6034
PROCTER & GAMBLE CO         COM                 742718109      289     4998 SH       DEFINED                  3733        0     1265
PROGRESS ENERGY INC         COM                 743263105       28      645 SH       SOLE                      645        0        0
PROGRESSIVE CORP                                743315103      637     5460 SH       SOLE                     5460        0        0
PRUDENTIAL FINL INC         COM                 744320102       48      663 SH       SOLE                      663        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       32      500 SH       SOLE                      500        0        0
PUGET SOUND ENERGY INC      COM                 745310102       67     3311 SH       SOLE                     3311        0        0
PULTE CORP                  COM                 745867101       79     2015 SH       SOLE                     2015        0        0
PULTE CORP                  COM                 745867101       66     1700 SH       DEFINED                     0        0     1700
PUTNAM HIGH YIELD MUN TR    C/C                 746781103       13     2022          SOLE                     2022        0        0
QUALCOMM INC                COM                 747525103     1724    40038 SH       SOLE                    36883        0     3155
QUALCOMM INC                COM                 747525103       22      530 SH       DEFINED                   530        0        0
QUANTUM CORP                COM DSSG            747906204        0       64 SH       SOLE                       64        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100      123     2395 SH       SOLE                     2395        0        0
QUESTAR CORP                COM                 748356102      121     1600 SH       SOLE                     1600        0        0
QWEST COMM INTL INC                             749121109       14     2622 SH       SOLE                     2622        0        0
QWEST COMM INTL INC                             749121109      189    33550 SH       DEFINED                     0        0    33550
RSA SECURITY INC                                749719100        0       60 SH       SOLE                       60        0        0
RAYTHEON CO CLASS B         COM                 755111507      107     2674 SH       SOLE                     2674        0        0
REALNETWORKS INC                                75605L104        1      195 SH       SOLE                      195        0        0
RED HAT INC                 COM                 756577102        4      172 SH       SOLE                      172        0        0
REGIONS FINL CORP NEW                           7591EP100       12      355 SH       SOLE                      355        0        0
RELIANT ENERGY INC                              75952B105        2      279 SH       DEFINED                   279        0        0
REPUBLIC SERVICES INC                           760759100        5      139 SH       SOLE                      139        0        0


                                                                 19




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
RESEARCH IN MOTION LTD                          760975102        4       69 SH       SOLE                       69        0        0
REYNOLDS & REYNOLDS CO      CL A                761695105        2       80 SH       SOLE                       80        0        0
REYNOLDS AMERN INC                              761713106       52      550 SH       SOLE                      450        0      100
RITE AID CORP               COM                 767754104       17     5000 SH       SOLE                     5000        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       44      753 SH       SOLE                      753        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       29      500 SH       DEFINED                     0        0      500
ROCKWELL COLLINS INC        COM                 774341101       27      600 SH       SOLE                      600        0        0
ROHM & HAAS CO              COM                 775371107       61     1273 SH       SOLE                     1273        0        0
ROYAL DUTCH PETE CO                             780259206      334     5441 SH       SOLE                     5441        0        0
RYLAND GROUP INC.                               783764103       28      400 SH       DEFINED                     0        0      400
SLM CORPORATION SECURITIES  COM                 78442P106       12      227 SH       SOLE                      227        0        0
SAFEWAY INC (FORMERLY       SAFEWAY STORES INC) 786514208       71     3025 SH       SOLE                     3025        0        0
SAFEWAY INC (FORMERLY       SAFEWAY STORES INC) 786514208        1       50 SH       DEFINED                    50        0        0
ST JUDE MED INC                                 790849103      507    10105 SH       SOLE                    10105        0        0
ST JUDE MED INC                                 790849103        2       50 SH       DEFINED                    50        0        0
THE ST PAULS TRAVELERS      COMPANIES INC-COM   792860108      115     2576 SH       SOLE                     2576        0        0
THE ST PAULS TRAVELERS      COMPANIES INC-COM   792860108      143     3223 SH       DEFINED                    25        0     3198
SANDISK CORP                COM                 80004C101        4       70 SH       SOLE                       70        0        0
SARA LEE CORP               COM                 803111103       15      800 SH       SOLE                      800        0        0
SARA LEE CORP               COM                 803111103        1      100 SH       DEFINED                   100        0        0
SCHEIN HENRY INC.                               806407102       27      620 SH       SOLE                      620        0        0
SCHERING PLOUGH CORP        COM                 806605101      332    15955 SH       SOLE                    15155        0      800
SCHLUMBERGER LTD            COM                 806857108     4126    42477 SH       SOLE                    40042        0     2435
SCHLUMBERGER LTD            COM                 806857108      405     4171 SH       DEFINED                  4171        0        0
SCHWAB CHARLES CORP NEW     COM                 808513105       42     2925 SH       SOLE                     2925        0        0
SCIENTIFIC ATLANTA INC      COM                 808655104      144     3345 SH       SOLE                     3345        0        0
SCOTTISH PWR PLC SPON ADR FINAL                 81013T705       87     2336 SH       SOLE                     2336        0        0
SCOTTS MIRACLE-GRO CO                           810186106        3       82 SH       SOLE                       82        0        0
E.W. SCRIPPS COMPANY (NEW)                      811054204        1       35 SH       DEFINED                    35        0        0
SEARS HLDGS CORP COM                            812350106      112      975 SH       DEFINED                     0        0      975
SELECTIVE INS GRP INC                           816300107       38      719 SH       SOLE                      719        0        0
SEMPRA ENERGY               COM                 816851109       73     1635 SH       SOLE                     1635        0        0
SENECA FOODS CORP NEW       CL B                817070105       26     1400 SH       SOLE                     1400        0        0


                                                                 20




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
SENECA FOODS CORP NEW       CL A                817070501       27     1400 SH       SOLE                     1400        0        0
SENIOR HSG PPTYS TR         SH BEN INT          81721M109       10      621 SH       SOLE                      621        0        0
SIGMA ALDRICH CORP          COM                 826552101     3791    59915 SH       SOLE                    56845        0     3070
SIGMA ALDRICH CORP          COM                 826552101       63     1000 SH       DEFINED                  1000        0        0
SIMON PPTY GROUP INC NEW                        828806109       26      350 SH       SOLE                      350        0        0
SIMON PPTY GROUP INC NEW                        828806109       85     1122 SH       DEFINED                     0        0     1122
SIRIUS SATELLITE RADIO INC                      82966U103       20     3000 SH       SOLE                     3000        0        0
SKY FINL GROUP INC          COM                 83080P103      220     7937 SH       SOLE                     7937        0        0
SKYWORKS SOLUTIONS INC                          83088M102        1      210 SH       SOLE                      210        0        0
SMITH INTL INC              COM                 832110100        2       68 SH       SOLE                       68        0        0
SMURFIT-STONE CONTAINER CORPCOM                 832727101        1      100 SH       SOLE                      100        0        0
SNAP-ON INC (FORMERLY       SNAP-ON TOOLS CORP) 833034101        4      110 SH       SOLE                      110        0        0
SOLECTRON CORP              COM                 834182107        2      771 SH       SOLE                      771        0        0
SOLECTRON CORP              COM                 834182107        0      200 SH       DEFINED                   200        0        0
SOUTHERN CO                 COM                 842587107       66     1926 SH       SOLE                     1861        0       65
SOUTHWEST AIRLS CO          COM                 844741108        0       40 SH       SOLE                       40        0        0
SOUTHWEST AIRLS CO          COM                 844741108        3      200 SH       DEFINED                   200        0        0
SPRINT NEXTEL CORP                              852061100      185     7960 SH       SOLE                     7960        0        0
SPRINT NEXTEL CORP                              852061100      308    13200 SH       DEFINED                   100        0    13100
STANLEY WORKS COMMON                            854616109        6      135 SH       SOLE                      135        0        0
STAPLES INC                 COM                 855030102     1669    73540 SH       SOLE                    67858        0     5682
STAPLES INC                 COM                 855030102       55     2435 SH       DEFINED                  2435        0        0
STARBUCKS CORP              COM                 855244109       24      830 SH       DEFINED                   830        0        0
STARWOOD HOTELS&RESORTS WRLDPAIRED CTF          85590A203       16      260 SH       SOLE                      260        0        0
STATE STR CORP              COM                 857477103        3       60 SH       SOLE                       60        0        0
STATE STR CORP              COM                 857477103        5      100 SH       DEFINED                   100        0        0
STRYKER CORP                                    863667101       44     1000 SH       DEFINED                  1000        0        0
SUFFOLK BANCORP             COM                 864739107      109     3244 SH       SOLE                     3244        0        0
SUN MICROSYSTEMS INC        COM                 866810104       73    17450 SH       SOLE                    14400        0     3050
SUN MICROSYSTEMS INC        COM                 866810104        1      250 SH       DEFINED                     0        0      250
SUNCOR ENERGY INC                               867229106        6      100 SH       SOLE                      100        0        0
SUNTRUST BKS INC            COM                 867914103      185     2550 SH       SOLE                     2550        0        0
SUNTRUST BKS INC            COM                 867914103       80     1100 SH       DEFINED                     0        0     1100


                                                                 21




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
SUPERVALU INC               COM                 868536103       43     1330 SH       SOLE                     1330        0        0
SYNOVUS FINL CORP           COM                 87161C105       18      675 SH       SOLE                        0        0      675
SYSCO CORP                  COM                 871829107        8      265 SH       SOLE                      265        0        0
TCF FINANCIAL CORPORATION                       872275102        1       63 SH       SOLE                       63        0        0
TD BANKNORTH INC COM                            87235A101        4      147 SH       SOLE                      147        0        0
TECO ENERGY INC                                 872375100       26     1520 SH       SOLE                      820        0      700
TEPPCO PARTNERS LP                              872384102       17      500 SH       SOLE                      500        0        0
TXU CORP COM                                    873168108       61     1230 SH       SOLE                     1230        0        0
TAIWAN SEMICONDUCTOR ADR                        874039100        0       11 SH       SOLE                       11        0        0
TARGET CORP                 COM                 87612E106     3655    66496 SH       SOLE                    62591        0     3905
TARGET CORP                 COM                 87612E106      111     2025 SH       DEFINED                  2025        0        0
TELECOM CORP NEW ZEALAND LTDSPONSORED ADR       879278208       25      791 SH       SOLE                      791        0        0
TELLABS INC                 COM                 879664100        0       55 SH       DEFINED                    55        0        0
TEMPLETON GLOBAL INC FD                         880198106        7      900 SH       SOLE                      900        0        0
TENNECO INC COM                                 880349105       13      693 SH       SOLE                      693        0        0
TERADYNE INC                                    880770102        0       55 SH       SOLE                       55        0        0
TERAYON COMMUNICATION SYS   COM                 880775101        0       40 SH       SOLE                        0        0       40
TEVA PHARMA INDS ADR                            881624209        4      104 SH       SOLE                      104        0        0
TEVA PHARMA INDS ADR                            881624209        1       35 SH       DEFINED                    35        0        0
TEXAS INDS INC              COM                 882491103       14      300 SH       SOLE                      300        0        0
TEXAS INSTRS INC            COM                 882508104     1787    55743 SH       SOLE                    52218        0     3525
TEXAS INSTRS INC            COM                 882508104       53     1665 SH       DEFINED                   465        0     1200
THERMO ELECTRON CORP        COM                 883556102       30     1020 SH       SOLE                     1020        0        0
THORNBURG MORTGAGE INC                          885218107        2      100 SH       DEFINED                   100        0        0
3M COMPANY COM                                  88579Y101     4124    53217 SH       SOLE                    49812        0     3405
3M COMPANY COM                                  88579Y101      578     7469 SH       DEFINED                  6469        0     1000
TIME WARNER INC             COM                 887317105      575    33009 SH       SOLE                    27509        0     5500
TIME WARNER INC             COM                 887317105       98     5625 SH       DEFINED                   125        0     5500
TOMPKINS TRUSTCO INC                            890110109    44152   985761 SH       SOLE                   969411        0    16350
TOMPKINS TRUSTCO INC                            890110109     2404    53684 SH       DEFINED                 53684        0        0
TORONTO DOMINION BK ONT     COM NEW ADR         891160509        3       70 SH       SOLE                       70        0        0
TOTAL FINA ELF SA                               89151E109        3       28 SH       SOLE                       28        0        0
TRIBUNE CO NEW                                  896047107        2       97 SH       SOLE                       97        0        0


                                                                 22




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
TYCO INTL LTD NEW COM                           902124106       36     1266 SH       SOLE                     1266        0        0
TYCO INTL LTD NEW COM                           902124106      225     7800 SH       DEFINED                     0        0     7800
UST INC COM                                     902911106       16      411 SH       SOLE                      411        0        0
US BANCORP DEL              COM NEW             902973304       56     1894 SH       SOLE                     1894        0        0
UNILEVER N V                N Y SHS NEW         904784709       24      357 SH       SOLE                      357        0        0
UNION PAC CORP              COM                 907818108      639     7949 SH       SOLE                     7949        0        0
UNION PAC CORP              COM                 907818108       80     1000 SH       DEFINED                     0        0     1000
UNIT CORP                                       909218109        8      161 SH       SOLE                      161        0        0
UNITED PARCEL SERVICE INC   CL B                911312106     3516    46796 SH       SOLE                    44321        0     2475
UNITED PARCEL SERVICE INC   CL B                911312106       86     1150 SH       DEFINED                  1150        0        0
USX-U S STL                 COM                 912909108       12      258 SH       SOLE                      258        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     1924    34435 SH       SOLE                    31960        0     2475
UNITED TECHNOLOGIES CORP    COM                 913017109       22      400 SH       DEFINED                   400        0        0
UNITED UTILS PLC            SPONSORED ADR       91311Q105       18      794 SH       SOLE                      794        0        0
UNITEDHEALTH GROUP INC                          91324P102     5455    87803 SH       SOLE                    83908        0     3895
UNITEDHEALTH GROUP INC                          91324P102      329     5300 SH       DEFINED                  1400        0     3900
UPM KYMMENE CORP            SPONSORED ADR       915436109       15      806 SH       SOLE                      806        0        0
V F CORP                    COM                 918204108       57     1042 SH       SOLE                     1042        0        0
VALASSIS COMMUNICATION INC                      918866104        2       84 SH       SOLE                       84        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100       24      480 SH       SOLE                      480        0        0
VAN KAMPEN AMERICAN CAPITAL MUNICIPAL TRUST     920919107       19     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE MUNCOM                 920929106       20     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE N JCOM                 920933108       40     2400          SOLE                     2400        0        0
VAN KAMPEN ADVAN MUN                            921124103       21     1415          SOLE                     1415        0        0
VARIAN MED SYS INC          COM                 92220P105        6      135 SH       SOLE                      135        0        0
VECTREN CORP COM                                92240G101       31     1170 SH       SOLE                     1170        0        0
VERITY INC                                      92343C106        0       60 SH       SOLE                       60        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      622    20688 SH       SOLE                    17828        0     2860
VERIZON COMMUNICATIONS      COM                 92343V104        4      150 SH       DEFINED                   150        0        0
VIACOM INC CLASS B                              925524308     1423    43677 SH       SOLE                    42962        0      715
VIACOM INC CLASS B                              925524308       65     2025 SH       DEFINED                   525        0     1500
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       44     2055 SH       SOLE                     2055        0        0
VOLTERRA SEMICONDUCTER CORP                     928708106       15     1000 SH       SOLE                     1000        0        0


                                                                 23




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
WPP GROUP PLC SPONSORED     ADR NEW 9/05        929309409       70     1300 SH       DEFINED                     0        0     1300
WPS RESOURCES CORP          COM                 92931B106       16      300 SH       SOLE                      300        0        0
WACHOVIA CORP 2ND NEW COM                       929903102       86     1635 SH       SOLE                     1635        0        0
WACHOVIA CORP 2ND NEW COM                       929903102       59     1125 SH       DEFINED                    25        0     1100
WAL MART STORES INC         COM                 931142103     1982    42370 SH       SOLE                    39385        0     2985
WAL MART STORES INC         COM                 931142103      425     9100 SH       DEFINED                  9100        0        0
WALGREEN CO                 COM                 931422109      206     4668 SH       SOLE                     4668        0        0
WASHINGTON MUT INC          COM                 939322103       24      555 SH       SOLE                      555        0        0
WASTE MGMT INC DEL          COM                 94106L109       50     1652 SH       SOLE                     1652        0        0
WASTE MGMT INC DEL          COM                 94106L109      113     3725 SH       DEFINED                     0        0     3725
WATERS CORP                 COM                 941848103        0       25 SH       SOLE                       25        0        0
WELLPOINT INC COM                               94973V107      150     1880 SH       SOLE                     1880        0        0
WELLPOINT INC COM                               94973V107        1       20 SH       DEFINED                    20        0        0
WELLS FARGO & CO NEW        COM                 949746101     2622    41743 SH       SOLE                    39613        0     2130
WELLS FARGO & CO NEW        COM                 949746101       42      675 SH       DEFINED                   675        0        0
WENDYS INTERNATIONAL INC.                       950590109       30      555 SH       SOLE                      555        0        0
WESTAR ENERGY INC           COM                 95709T100       23     1100 SH       SOLE                     1100        0        0
WEYERHAEUSER CO                                 962166104        7      110 SH       SOLE                      110        0        0
WHIRLPOOL CORP              COM                 963320106       15      190 SH       SOLE                      190        0        0
WHOLE FOODS MARKET INC                          966837106        0        5 SH       DEFINED                     5        0        0
WILLIAMS COS INC DEL COM                        969457100        7      306 SH       SOLE                      306        0        0
WIRELESS TELECOM GP INC                         976524108        6     2350 SH       SOLE                     2350        0        0
WISCONSIN ENERGY CORP       COM                 976657106       16      433 SH       SOLE                      433        0        0
WORLD WRESTLING ENT INC                         98156Q108        0       50 SH       SOLE                       50        0        0
WRIGLEY WM JR CO            COM                 982526105        0       10 SH       SOLE                       10        0        0
WRIGLEY WM JR CO            COM                 982526105       46      700 SH       DEFINED                   700        0        0
WYETH                       COM                 983024100      706    15329 SH       SOLE                    15329        0        0
WYETH                       COM                 983024100      234     5100 SH       DEFINED                  3100        0     2000
XM SATELLITE RADIO HLDGS INCCL A                983759101        5      200 SH       SOLE                      200        0        0
XCEL ENERGY INC                                 98389B100       28     1521 SH       SOLE                     1011        0      510
XILINX INC                  COM                 983919101        1       68 SH       SOLE                       68        0        0
XEROX CORP                  COM                 984121103        7      541 SH       SOLE                      541        0        0
YAHOO INC                   COM                 984332106      180     4618 SH       SOLE                     4618        0        0
YAHOO INC                   COM                 984332106      114     2910 SH       DEFINED                   110        0     2800


                                                                 24




                                                     FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                      
ZIMMER HLDGS INC            COM                 98956P102        3       45 SH       SOLE                       45        0        0
ZIONS BANCORPORATION        COM                 989701107       58      780 SH       SOLE                      780        0        0

 GRAND TOTALS                                               302090  7068106                                6488678        0   579428


                                                                 25