Ownership Submission
FORM 5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Form 3 Holdings Reported
Form 4 Transactions Reported
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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1. Name and Address of Reporting Person *
FULMER JAMES W
 2. Issuer Name and Ticker or Trading Symbol
TOMPKINS FINANCIAL CORP [TMP] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Vice Chairman
(Last)
(First)
(Middle)

TOMPKINS FINANCIAL CORPORATION, P O BOX 460		 3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2010
(Street)


ITHACA, NY 14851		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Reporting
(check applicable line)

_X_ Form Filed by One Reporting Person
___ Form Filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Common Stock - 401k/esop 11/15/2010   L 682.4 A $ 0 (1) 12,657 D  
Common Stock Drip 11/15/2010   L 14.7 A $ 0 (2) 447 I By Son
Common Stock Drip 11/15/2010   L 0.9 A $ 0 (2) 24 I By Spouse
Common Stock             54,922 D  
Common Stock             25,573 I By Spouse

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. SEC 2270 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Incentive Stock Option (Right to Buy) $ 35.7636             (3) 05/03/2014 Common Stock
11,181
  11,181
D
 
Incentive Stock Option (Right to Buy) $ 38.5364             (4)(5) 01/23/2016 Common Stock
7,986
  7,986
D
 
Incentive Stock Option (Right to Buy) $ 37.2727             (5)(6) 11/29/2017 Common Stock
4,123
  4,123
D
 
Non-qualified Stock Option (Right to Buy) $ 35.7636             (3) 05/03/2014 Common Stock
2,130
  2,130
D
 
Non-qualified Stock Option (Right to Buy) $ 38.5364             (4)(5) 01/23/2016 Common Stock
4,114
  4,114
D
 
Non-qualified Stock Option (Right to Buy) $ 37.2727             (5)(6) 11/29/2017 Common Stock
6,878
  6,878
D
 
Stock Appreciation Rights (SAR) $ 41.7091             (7) 09/17/2019 Common Stock
11,000
  11,000
D
 

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
FULMER JAMES W
TOMPKINS FINANCIAL CORPORATION
P O BOX 460
ITHACA, NY 14851		   X     Vice Chairman  

Signatures

/s/ James W. Fulmer 02/07/2011
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares acquired through profit sharing and reinvestment of quarterly cash dividends.
(2) Shares acquired through reinvestment of quarterly cash dividends.
(3) The stock option becomes exercisable in four annual installments commencing two years after the date of grant.
(4) The option becomes exercisable in six annual installments commencing two years after the date of the grant.
(5) The stock option becomes exercisable in six annual installments commencing two years after the date of grant.
(6) The option becomes exercisable in six annual installments commencing two years after the date of grant.
(7) Stock Appreciation Rights (SARs) were granted pursuant to the Tompkins Financial Corporation 2009 Equity Plan. They become exercisable in six annual installments commencing two years after the grant date, and when exercised, SARs will be settled in Common Stock of the Company.

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