UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/2006
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
Institutional Investment Manager Filing this Report:
Name: TRUSTCO BANK
Address: 3 SARNOWSKI DRIVE
GLENVILLE, NY 12302
13F File Number: 28-10307
The Institutional Investment Manager filing this report and the person by
whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true,
correct and complete, and that it is understood that all required items,
statements, schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Richard W. Provost
Title: Trust Officer
Phone: 518-381-3699
Signature, Place, and Date of Signing:
01/22/2007
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F COMBINATION REPORT
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
AT&T INC COMMON STOCK 00206R102 884 24735 SH DEFINED 24235
500
00206R102 432 12071 SH DEF/OTH 7996
4075
ABBOTT COMMON STOCK 002824100 2102 43152 SH DEFINED 40452
500
2200
LABORATORIES
002824100 420 8626 SH DEF/OTH 5026
2800
800
AIR PRODUCTS & COMMON STOCK 009158106 763 10857 SH DEFINED 10857
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 668 22250 SH DEFINED 21950
200
100
013817101 27 900 SH DEF/OTH 600
300
ALLSTATE CORP COMMON STOCK 020002101 1569 24092 SH DEFINED 24092
020002101 137 2108 SH DEF/OTH 1170
838
100
ALTRIA GROUP INC COMMON STOCK 02209S103 75 870 SH DEFINED 870
02209S103 3716 43300 SH DEF/OTH 37800
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1782 29365 SH DEFINED 27665
200
1500
CO
025816109 487 8034 SH DEF/OTH 6734
1300
COLUMN TOTALS 13062
Page 1
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
AMERICAN COMMON STOCK 026874107 107 1492 SH DEFINED 1392
100
INTERNATIONAL
GROUP
026874107 93 1300 SH DEF/OTH 1300
AMGEN INC COMMON STOCK 031162100 781 11432 SH DEFINED 11182
150
100
031162100 116 1700 SH DEF/OTH 1000
600
100
ANHEUSER BUSCH COMMON STOCK 035229103 690 14021 SH DEFINED 12421
800
800
COS INC
035229103 157 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 402 21800 SH DEFINED 18600
3200
MATERIALS INC
038222105 4 200 SH DEF/OTH 200
ARGONAUT GROUP COMMON STOCK 040157109 1874 53747 SH DEFINED 53747
INC
AUTOMATIC DATA COMMON STOCK 053015103 821 16675 SH DEFINED 15175
1500
PROCESSING INC
053015103 64 1300 SH DEF/OTH 500
700
100
BP PLC FOREIGN STOCK 055622104 2674 39848 SH DEFINED 35548
3100
1200
COLUMN TOTALS 7783
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
055622104 854 12733 SH DEF/OTH 8929
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 202 2700 SH DEFINED 2700
057224107 30 400 SH DEF/OTH 100
300
BANK OF AMERICA COMMON STOCK 060505104 2312 43303 SH DEFINED 42270
1000
33
CORP
060505104 1246 23329 SH DEF/OTH 19275
3654
400
BANK OF NEW YORK COMMON STOCK 064057102 705 17900 SH DEFINED 17900
INC
BELLSOUTH CORP COMMON STOCK 079860102 1237 26263 SH DEFINED 26063
200
079860102 378 8025 SH DEF/OTH 4080
3945
BRISTOL-MYERS COMMON STOCK 110122108 158 6000 SH DEFINED 2400
3600
SQUIBB CO
110122108 311 11800 SH DEF/OTH 3200
8600
CHEVRON CORP NEW COMMON STOCK 166764100 3159 42958 SH DEFINED 39858
700
2400
166764100 1011 13747 SH DEF/OTH 11260
1687
800
COLUMN TOTALS 11603
Page 3
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
CISCO SYSTEMS INC COMMON STOCK 17275R102 2529 92535 SH DEFINED 91485
600
450
17275R102 82 3000 SH DEF/OTH 1300
1200
500
CITIGROUP INC COMMON STOCK 172967101 3686 66167 SH DEFINED 65167
1000
172967101 256 4600 SH DEF/OTH 1500
2700
400
COCA COLA CO COMMON STOCK 191216100 3130 64867 SH DEFINED 63967
900
191216100 598 12400 SH DEF/OTH 8200
4200
COLGATE COMMON STOCK 194162103 2209 33861 SH DEFINED 33261
600
PALMOLIVE CO
194162103 274 4200 SH DEF/OTH 300
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 2386 64352 SH DEFINED 64352
CORP
DISNEY WALT CO COMMON STOCK 254687106 1840 53683 SH DEFINED 50983
300
2400
254687106 267 7800 SH DEF/OTH 4700
3000
100
DOMINION COMMON STOCK 25746U109 46 543 SH DEFINED 543
COLUMN TOTALS 17303
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
RESOURCES INC VA
NEW
25746U109 269 3209 SH DEF/OTH 3209
DOW CHEMICAL CO COMMON STOCK 260543103 393 9850 SH DEFINED 8950
900
260543103 133 3325 SH DEF/OTH 2225
1100
DU PONT E I DE COMMON STOCK 263534109 1027 21076 SH DEFINED 17490
1686
1900
NEMOURS & CO
263534109 161 3310 SH DEF/OTH 660
2450
200
ECOLAB INC COMMON STOCK 278865100 267 5900 SH DEFINED 4900
1000
278865100 18 400 SH DEF/OTH 200
200
EMERSON ELECTRIC COMMON STOCK 291011104 326 7400 SH DEFINED 6800
200
400
CO
291011104 282 6400 SH DEF/OTH 1000
5400
EXCELSIOR TAX MUTUAL 300861408 168 19443 SH DEFINED 19443
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 736 11900 SH DEFINED 11300
600
30161N101 123 1990 SH DEF/OTH 1490
500
COLUMN TOTALS 3903
Page 5
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
EXXON MOBIL CORP COMMON STOCK 30231G102 12337 160988 SH DEFINED 142090
15084
3814
30231G102 2930 38237 SH DEF/OTH 22256
14625
1356
FPL GROUP INC COMMON STOCK 302571104 692 12718 SH DEFINED 12718
FORTUNE BRANDS COMMON STOCK 349631101 811 9500 SH DEFINED 9100
200
200
INC
349631101 290 3400 SH DEF/OTH 2800
500
100
FRANKLIN N Y TAX MUTUAL 354130106 45 3782 SH DEFINED 3782
FREE INCOME FUNDS/MUNI
BONDS
354130106 144 12191 SH DEF/OTH 12191
GALLAHER GROUP FOREIGN STOCK 363595109 216 2400 SH DEF/OTH 2400
PLC
GENERAL ELECTRIC COMMON STOCK 369604103 29946 804790 SH DEFINED 761141
32389
11260
CO
369604103 11576 311090 SH DEF/OTH 230629
66461
14000
GENERAL MILLS INC COMMON STOCK 370334104 422 7333 SH DEFINED 6433
700
200
COLUMN TOTALS 59409
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
370334104 259 4500 SH DEF/OTH 4300
200
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 504 9550 SH DEFINED 8850
700
PLC
37733W105 228 4327 SH DEF/OTH 3227
1100
HEWLETT PACKARD COMMON STOCK 428236103 533 12952 SH DEFINED 12952
CO
428236103 107 2600 SH DEF/OTH 2600
HOME DEPOT INC COMMON STOCK 437076102 833 20737 SH DEFINED 18837
400
1500
437076102 67 1675 SH DEF/OTH 675
600
400
INTEL CORP COMMON STOCK 458140100 2438 120382 SH DEFINED 117882
100
2400
458140100 146 7200 SH DEF/OTH 4200
2500
500
INTERNATIONAL COMMON STOCK 459200101 3794 39057 SH DEFINED 38057
1000
BUSINESS MACHINES
459200101 359 3700 SH DEF/OTH 400
3300
JPMORGAN CHASE & COMMON STOCK 46625H100 1727 35761 SH DEFINED 34333
1164
264
CO
COLUMN TOTALS 10995
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
46625H100 556 11516 SH DEF/OTH 7750
3766
JOHNSON & JOHNSON COMMON STOCK 478160104 6621 100287 SH DEFINED 97287
3000
478160104 688 10425 SH DEF/OTH 6125
3200
1100
JOHNSON CONTROLS COMMON STOCK 478366107 460 5350 SH DEFINED 5350
INC
478366107 116 1350 SH DEF/OTH 300
1000
50
KEYCORP COMMON STOCK 493267108 2573 67661 SH DEFINED 67661
LILLY ELI & CO COMMON STOCK 532457108 745 14300 SH DEFINED 13400
900
532457108 42 800 SH DEF/OTH 500
300
LINCOLN NATIONAL COMMON STOCK 534187109 406 6114 SH DEFINED 6114
CORP IN
534187109 196 2950 SH DEF/OTH 2950
LOWES COS INC COMMON STOCK 548661107 642 20600 SH DEFINED 20600
548661107 79 2550 SH DEF/OTH 1150
1400
MASCO CORP COMMON STOCK 574599106 391 13100 SH DEFINED 12000
1100
574599106 63 2100 SH DEF/OTH 1000
900
200
COLUMN TOTALS 13578
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
MCGRAW HILL COS COMMON STOCK 580645109 680 10000 SH DEFINED 10000
INC
580645109 68 1000 SH DEF/OTH 400
600
MEDTRONIC INC COMMON STOCK 585055106 3118 58276 SH DEFINED 50776
700
6800
585055106 59 1100 SH DEF/OTH 500
300
300
MICROSOFT CORP COMMON STOCK 594918104 5843 195695 SH DEFINED 184195
900
10600
594918104 758 25400 SH DEF/OTH 21700
3000
700
MOTOROLA INC COMMON STOCK 620076109 432 20995 SH DEFINED 20195
200
600
620076109 80 3900 SH DEF/OTH 3300
600
NBT BANCORP INC COMMON STOCK 628778102 616 24158 SH DEFINED 672
23486
NASDAQ 100 TRUST MUTUAL 631100104 1187 27500 SH DEF/OTH 22000
5500
FUND/STOCK
NIKE INC COMMON STOCK 654106103 203 2050 SH DEFINED 2050
654106103 10 100 SH DEF/OTH 100
PEPSICO INC COMMON STOCK 713448108 4382 70060 SH DEFINED 66810
1250
2000
COLUMN TOTALS 17436
Page 9
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
713448108 432 6900 SH DEF/OTH 2300
4300
300
PFIZER INC COMMON STOCK 717081103 981 37867 SH DEFINED 34967
800
2100
717081103 291 11226 SH DEF/OTH 3466
7760
PROCTER & GAMBLE COMMON STOCK 742718109 6386 99363 SH DEFINED 95273
890
3200
CO
742718109 990 15403 SH DEF/OTH 3800
10308
1295
ROCHESTER FUND MUTUAL 771362100 236 12559 SH DEFINED 12559
MUNICIPALS INC FUNDS/MUNI
BONDS
771362100 160 8490 SH DEF/OTH 8490
SCHERING PLOUGH COMMON STOCK 806605101 411 17400 SH DEFINED 13100
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 398 6300 SH DEFINED 5400
200
700
806857108 13 200 SH DEF/OTH 200
SOUTHERN CO COMMON STOCK 842587107 2925 79358 SH DEFINED 77558
1500
300
842587107 214 5800 SH DEF/OTH 1700
3300
800
COLUMN TOTALS 13437
Page 10
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
TARGET CORP COMMON STOCK 87612E106 1383 24250 SH DEFINED 23350
200
700
87612E106 114 2000 SH DEF/OTH 900
1100
TEXAS COMMON STOCK 882508104 376 13050 SH DEFINED 13050
INSTRUMENTS INC
882508104 9 300 SH DEF/OTH 100
200
3M CO COMMON STOCK 88579Y101 1461 18750 SH DEFINED 18750
88579Y101 560 7180 SH DEF/OTH 580
6600
TRUSTCO BANK COMMON STOCK 898349105 11038 992589 SH DEFINED 717339
91519
183731
CORP NY
898349105 7602 683653 SH DEF/OTH 612049
37304
34300
UNITED PARCEL COMMON STOCK 911312106 587 7825 SH DEFINED 7375
400
50
SERVICE
911312106 11 150 SH DEF/OTH 100
50
UNITED COMMON STOCK 913017109 3466 55442 SH DEFINED 50242
400
4800
TECHNOLOGIES CORP
913017109 244 3900 SH DEF/OTH 2100
1400
400
COLUMN TOTALS 26851
Page 11
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
UNITRIN INC COMMON STOCK 913275103 11303 225568 SH DEFINED 225568
VANGUARD MUTUAL 922021308 187 16939 SH DEFINED 16939
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 173 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
VANGUARD NEW MUTUAL 92204H301 2449 216944 SH DEFINED 216944
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 389 34457 SH DEF/OTH 34457
VERIZON COMMON STOCK 92343V104 1447 38868 SH DEFINED 36968
1400
500
COMMUNICATIONS
INC
92343V104 466 12504 SH DEF/OTH 6730
5574
200
WAL-MART STORES COMMON STOCK 931142103 1647 35675 SH DEFINED 34675
1000
INC
931142103 185 4000 SH DEF/OTH 3600
200
200
WASHINGTON COMMON STOCK 939322103 446 9815 SH DEFINED 9115
700
MUTUAL INC
939322103 73 1600 SH DEF/OTH 400
1200
COLUMN TOTALS 18765
Page 12
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
WELLS FARGO & CO COMMON STOCK 949746101 1883 52950 SH DEFINED 52150
800
NEW
949746101 217 6100 SH DEF/OTH 2000
3500
600
WYETH COMMON STOCK 983024100 499 9800 SH DEFINED 9800
983024100 143 2815 SH DEF/OTH 1415
1400
ZIMMER HOLDINGS COMMON STOCK 98956P102 104 1322 SH DEFINED 842
480
INC
98956P102 111 1420 SH DEF/OTH 1420
NOBLE CORP COMMON STOCK G65422100 228 3000 SH DEFINED 3000
G65422100 8 100 SH DEF/OTH 100
COLUMN TOTALS 3193
AGGREGATE TOTAL 217318
Page 13
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 154
Form 13F Information Table Value Total: $ 217,318
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment Managers with respect to which this report is filed,
other than the Manager filing this report.
NONE
Page 14