SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


           Date of Report (Date of earliest event reported): November 18, 2003
                                                            (November 18, 2003)

                              TrustCo Bank Corp NY


              (Exact name of registrant as specified in its charter)

                                    New York
                 (State or other jurisdiction of incorporation)


                 0-10592                                  14-1630287
       --------------------------          ------------------------------------
         (Commission File Number)             (IRS Employer Identification No.)


                  5 Sarnowski Drive, Glenville, New York 12302
               (Address of principal executive offices) (Zip Code)



       Registrant's telephone number, including area code: (518) 377-3311
                                                            --------------











TrustCo Bank Corp NY


Item 5.      Other Events

             A press release was issued on November 18, 2003, declaring a
             quarterly cash dividend of $0.15 per share, payable January 2,
             2004, to the shareholders of record at the close of business
             on December 5, 2003. Attached is the press release labeled as
             exhibit 99(a).




Item 7      (c) Exhibits


             Reg S-K Exhibit No.      Description
                    99(a)             One page press  release  dated  November
                                      18,  2003,  declaring a quarterly
                                      cash  dividend  of $0.15  per  share,
                                      payable  January  2,  2004,  to the
                                      shareholders of record at the close of
                                      business on December 5, 2003.






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                                   SIGNATURES

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


Dated: November 18, 2003

                                                 TrustCo Bank Corp NY
                                                (Registrant)


                                                 By:/s/ Robert T. Cushing
                                               ----------------------------
                                                 Robert T. Cushing
                                                 President and Chief
                                                 Executive Officer



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                                 Exhibits Index


The following exhibits are filed herewith:


Reg S-K Exhibit No.        Description                               Page
------------------         ------------------------               --------
         99(a)             One page press release dated November 18,
                           2003, declaring a quarterly cash dividend    5
                           of $0.15 per share, payable January 2,
                           2004, to the shareholders of record at the
                           close of business on December 5, 2003.






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            Subsidiary:  Trustco Bank                            NASDAQ-- TRST


Contact: Robert M. Leonard
         Vice President
         518-381-3693



  FOR IMMEDIATE RELEASE:



                         TRUSTCO DECLARES CASH DIVIDEND


Glenville,  New York - November  18, 2003.  On November  18, 2003,  the Board of
Directors  of TrustCo Bank Corp NY declared a quarterly  cash  dividend of $0.15
per share,  payable January 2, 2004, to the  shareholders of record at the close
of business on December 5, 2003.

TrustCo  Bank Corp NY is a $2.7  billion  bank  holding  company and through its
subsidiary, Trustco Bank, operates 68 offices in New York, Vermont, and Florida.
In addition,  the bank  operates a full service Trust  Department  that has $938
million of assets under  management.  The common shares of TrustCo are traded on
the Nasdaq  National  Market tier of the Nasdaq  Stock  Market  under the symbol
TRST.


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