UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/2007
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:
10/04/2007
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F COMBINATION REPORT
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
AT&T INC COMMON STOCK 00206R102 2841 67150 SH DEFINED 66385
765
00206R102 952 22507 SH DEF/OTH 14001
8506
ABBOTT COMMON STOCK 002824100 2425 45222 SH DEFINED 42572
450
2200
LABORATORIES
002824100 430 8026 SH DEF/OTH 4426
2800
800
AIR PRODUCTS & COMMON STOCK 009158106 973 9957 SH DEFINED 9957
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 775 19800 SH DEFINED 19500
200
100
013817101 31 800 SH DEF/OTH 500
300
ALLSTATE CORP COMMON STOCK 020002101 1547 27042 SH DEFINED 27042
020002101 155 2708 SH DEF/OTH 1270
1338
100
ALTRIA GROUP INC COMMON STOCK 02209S103 60 870 SH DEFINED 870
02209S103 3011 43300 SH DEF/OTH 37800
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1711 28815 SH DEFINED 27115
200
1500
CO
025816109 510 8584 SH DEF/OTH 6784
1800
COLUMN TOTALS 15421
Page 2
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 206 3042 SH DEFINED 2942
100
INTERNATIONAL
GROUP
026874107 88 1300 SH DEF/OTH 1300
ANHEUSER BUSCH COMMON STOCK 035229103 726 14521 SH DEFINED 12921
800
800
COS INC
035229103 160 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 476 23000 SH DEFINED 19800
3200
MATERIALS INC
038222105 4 200 SH DEF/OTH 200
AUTOMATIC DATA COMMON STOCK 053015103 906 19725 SH DEFINED 18225
1500
PROCESSING INC
053015103 60 1300 SH DEF/OTH 500
700
100
BP PLC FOREIGN STOCK 055622104 2594 37398 SH DEFINED 33098
3100
1200
055622104 486 7004 SH DEF/OTH 3200
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 239 2650 SH DEFINED 2650
057224107 41 450 SH DEF/OTH 150
300
COLUMN TOTALS 5986
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
BANK OF AMERICA COMMON STOCK 060505104 2353 46799 SH DEFINED 45816
950
33
CORP
060505104 1020 20296 SH DEF/OTH 16442
3454
400
THE BANK OF NEW COMMON STOCK 064058100 825 18696 SH DEFINED 18696
YORK COMPANY INC
BRISTOL-MYERS COMMON STOCK 110122108 153 5300 SH DEFINED 1700
3600
SQUIBB CO
110122108 340 11800 SH DEF/OTH 3200
8600
CHEVRON CORP NEW COMMON STOCK 166764100 3728 39834 SH DEFINED 36784
650
2400
166764100 1296 13847 SH DEF/OTH 11260
1787
800
CISCO SYSTEMS INC COMMON STOCK 17275R102 2300 69435 SH DEFINED 68385
600
450
17275R102 96 2900 SH DEF/OTH 1200
1200
500
CITIGROUP INC COMMON STOCK 172967101 3128 67017 SH DEFINED 66067
950
172967101 205 4400 SH DEF/OTH 1600
2400
400
COLUMN TOTALS 15444
Page 4
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
CITIGROUP PREFERRED STOCK 17310L201 234 10000 SH DEF/OTH 10000
CAPITAL XVI
COCA COLA CO COMMON STOCK 191216100 3397 59117 SH DEFINED 58217
900
191216100 713 12400 SH DEF/OTH 8200
4200
COLGATE COMMON STOCK 194162103 2283 32011 SH DEFINED 31461
550
PALMOLIVE CO
194162103 285 4000 SH DEF/OTH 100
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 3057 64352 SH DEFINED 64352
CORP
DISNEY WALT CO COMMON STOCK 254687106 1891 54983 SH DEFINED 52333
250
2400
254687106 248 7200 SH DEF/OTH 4100
3000
100
DOMINION COMMON STOCK 25746U109 46 543 SH DEFINED 543
RESOURCES INC VA
NEW
25746U109 271 3209 SH DEF/OTH 3209
DOW CHEMICAL CO COMMON STOCK 260543103 482 11200 SH DEFINED 10350
850
260543103 126 2925 SH DEF/OTH 1825
1100
DU PONT E I DE COMMON STOCK 263534109 1047 21126 SH DEFINED 17540
1686
1900
COLUMN TOTALS 14080
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
NEMOURS & CO
263534109 169 3410 SH DEF/OTH 760
2450
200
ECOLAB INC COMMON STOCK 278865100 340 7200 SH DEFINED 6200
1000
278865100 19 400 SH DEF/OTH 200
200
EMERSON ELECTRIC COMMON STOCK 291011104 458 8600 SH DEFINED 8100
100
400
CO
291011104 149 2800 SH DEF/OTH 1000
1800
EQUITABLE COMMON STOCK 294549100 211 4060 SH DEFINED 4060
RESOURCES INC
EXCELSIOR TAX MUTUAL 300861408 131 15212 SH DEFINED 15212
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 1010 13400 SH DEFINED 12800
600
30161N101 158 2090 SH DEF/OTH 1590
500
EXXON MOBIL CORP COMMON STOCK 30231G102 14503 156687 SH DEFINED 138289
14884
3514
30231G102 3298 35634 SH DEF/OTH 21856
12422
1356
FPL GROUP INC COMMON STOCK 302571104 731 12004 SH DEFINED 12004
COLUMN TOTALS 21177
Page 6
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
FORTUNE BRANDS COMMON STOCK 349631101 668 8200 SH DEFINED 7800
200
200
INC
349631101 277 3400 SH DEF/OTH 2800
500
100
FRANKLIN N Y TAX MUTUAL 354130106 138 11795 SH DEFINED 11795
FREE INCOME FUNDS/MUNI
BONDS
354130106 132 11334 SH DEF/OTH 11334
GENERAL ELECTRIC COMMON STOCK 369604103 31663 764811 SH DEFINED 721662
32189
10960
CO
369604103 11974 289224 SH DEF/OTH 213463
62361
13400
GENERAL MILLS INC COMMON STOCK 370334104 425 7333 SH DEFINED 6433
700
200
370334104 261 4500 SH DEF/OTH 4300
200
GENERAL MOTORS CORPORATE BONDS 3704A0SV5 186 200000 PRN DEF/OTH 200000
ACCEPTANCE CORP
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 593 11150 SH DEFINED 10500
650
PLC
37733W105 236 4427 SH DEF/OTH 3227
1100
100
COLUMN TOTALS 46553
Page 7
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
HEWLETT PACKARD COMMON STOCK 428236103 640 12856 SH DEFINED 12856
CO
HOME DEPOT INC COMMON STOCK 437076102 650 20037 SH DEFINED 18187
350
1500
437076102 53 1625 SH DEF/OTH 625
600
400
HONEYWELL COMMON STOCK 438516106 70 1180 SH DEFINED 1180
INTERNATIONAL INC
438516106 143 2400 SH DEF/OTH 2400
ITT CORP COMMON STOCK 450911102 214 3150 SH DEFINED 3150
INTEL CORP COMMON STOCK 458140100 3129 120982 SH DEFINED 118582
2400
458140100 171 6600 SH DEF/OTH 3600
2500
500
INTERNATIONAL COMMON STOCK 459200101 4689 39802 SH DEFINED 39002
800
BUSINESS MACHINES
459200101 436 3700 SH DEF/OTH 400
3300
JPMORGAN CHASE & COMMON STOCK 46625H100 1633 35637 SH DEFINED 34359
1014
264
CO
46625H100 619 13516 SH DEF/OTH 9750
3766
JACOBS COMMON STOCK 469814107 310 4100 SH DEFINED 4000
100
COLUMN TOTALS 12757
Page 8
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
ENGINEERING
GROUP INC
469814107 30 400 SH DEF/OTH 400
JOHNSON & JOHNSON COMMON STOCK 478160104 6540 99543 SH DEFINED 96543
3000
478160104 691 10525 SH DEF/OTH 6225
3200
1100
JOHNSON CONTROLS COMMON STOCK 478366107 626 5300 SH DEFINED 5300
INC
478366107 159 1350 SH DEF/OTH 300
1000
50
KEYCORP COMMON STOCK 493267108 2342 72450 SH DEFINED 72450
KRAFT FOODS INC COMMON STOCK 50075N104 21 602 SH DEFINED 602
50075N104 1034 29964 SH DEF/OTH 26158
3806
LILLY ELI & CO COMMON STOCK 532457108 803 14100 SH DEFINED 13200
900
532457108 40 700 SH DEF/OTH 400
300
LINCOLN NATIONAL COMMON STOCK 534187109 400 6064 SH DEFINED 6064
CORP IN
534187109 185 2800 SH DEF/OTH 2800
LOCKHEED MARTIN COMMON STOCK 539830109 217 2000 SH DEF/OTH 1600
400
CORP
LOWES COS INC COMMON STOCK 548661107 653 23300 SH DEFINED 23300
COLUMN TOTALS 13741
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
548661107 67 2400 SH DEF/OTH 1000
1400
MARATHON OIL CORP COMMON STOCK 565849106 94 1652 SH DEFINED 1652
565849106 114 2000 SH DEF/OTH 2000
MASCO CORP COMMON STOCK 574599106 293 12650 SH DEFINED 11600
1050
574599106 46 2000 SH DEF/OTH 900
900
200
MCGRAW HILL COS COMMON STOCK 580645109 509 10000 SH DEFINED 10000
INC
580645109 51 1000 SH DEF/OTH 400
600
MEDTRONIC INC COMMON STOCK 585055106 3358 59526 SH DEFINED 52026
700
6800
585055106 56 1000 SH DEF/OTH 400
300
300
MICROSOFT CORP COMMON STOCK 594918104 5525 187545 SH DEFINED 176095
850
10600
594918104 563 19100 SH DEF/OTH 15400
3000
700
MOTOROLA INC COMMON STOCK 620076109 382 20595 SH DEFINED 19895
100
600
620076109 56 3000 SH DEF/OTH 2400
600
COLUMN TOTALS 11114
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
NBT BANCORP INC COMMON STOCK 628778102 525 24158 SH DEFINED 672
23486
NIKE INC COMMON STOCK 654106103 270 4600 SH DEFINED 4600
654106103 12 200 SH DEF/OTH 200
NUVEEN MUTUAL 67065N670 161 15152 SH DEFINED 15152
MULTISTATE TRUST FUNDS/MUNI
II BONDS
PEPSICO INC COMMON STOCK 713448108 4819 65773 SH DEFINED 62523
1250
2000
713448108 476 6500 SH DEF/OTH 1900
4300
300
PFIZER INC COMMON STOCK 717081103 788 32269 SH DEFINED 29369
800
2100
717081103 250 10226 SH DEF/OTH 3466
6760
PRIVATE EXPORT CORPORATE BONDS 742651DC3 253 250000 PRN DEFINED 250000
FUNDING CORP
PROCTER & GAMBLE COMMON STOCK 742718109 7190 102217 SH DEFINED 98177
840
3200
CO
742718109 929 13203 SH DEF/OTH 3200
8708
1295
ROCHESTER FUND MUTUAL 771362100 349 19337 SH DEFINED 19337
MUNICIPALS INC FUNDS/MUNI
BONDS
COLUMN TOTALS 16022
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
771362100 153 8490 SH DEF/OTH 8490
SLM CORP CORPORATE BONDS 78490FKQ1 316 400000 PRN DEF/OTH 400000
SCHERING PLOUGH COMMON STOCK 806605101 509 16100 SH DEFINED 11800
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 793 7550 SH DEFINED 6650
200
700
806857108 21 200 SH DEF/OTH 200
SOUTHERN CO COMMON STOCK 842587107 2885 79508 SH DEFINED 77758
1450
300
842587107 210 5800 SH DEF/OTH 1700
3300
800
TARGET CORP COMMON STOCK 87612E106 1488 23400 SH DEFINED 22550
150
700
87612E106 114 1800 SH DEF/OTH 700
1100
TEXAS COMMON STOCK 882508104 616 16830 SH DEFINED 16830
INSTRUMENTS INC
882508104 11 300 SH DEF/OTH 100
200
3M CO COMMON STOCK 88579Y101 1713 18300 SH DEFINED 18300
88579Y101 443 4730 SH DEF/OTH 580
4150
TRUSTCO BANK COMMON STOCK 898349105 10792 987365 SH DEFINED 720020
83842
183503
COLUMN TOTALS 20064
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
CORP NY
898349105 7567 692276 SH DEF/OTH 618628
35342
38306
UNITED PARCEL COMMON STOCK 911312106 584 7775 SH DEFINED 7325
400
50
SERVICE
911312106 19 250 SH DEF/OTH 100
100
50
UNITED COMMON STOCK 913017109 4466 55489 SH DEFINED 50289
400
4800
TECHNOLOGIES CORP
913017109 298 3700 SH DEF/OTH 1900
1400
400
UNITRIN INC COMMON STOCK 913275103 11186 225568 SH DEFINED 225568
VANGUARD MUTUAL 922021308 274 25136 SH DEFINED 25136
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 169 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
VANGUARD NEW MUTUAL 92204H301 3279 296461 SH DEFINED 296461
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 353 31876 SH DEF/OTH 31876
VERIZON COMMON STOCK 92343V104 2111 47671 SH DEFINED 45821
1350
500
COLUMN TOTALS 30306
Page 13
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
COMMUNICATIONS
INC
92343V104 503 11360 SH DEF/OTH 6086
5074
200
WAL-MART STORES COMMON STOCK 931142103 1592 36475 SH DEFINED 35475
1000
INC
931142103 127 2900 SH DEF/OTH 2500
200
200
WELLS FARGO & CO COMMON STOCK 949746101 1931 54205 SH DEFINED 53405
800
NEW
949746101 217 6100 SH DEF/OTH 2000
3500
600
WYETH COMMON STOCK 983024100 423 9500 SH DEFINED 9500
983024100 125 2815 SH DEF/OTH 1415
1400
ARGO GROUP INTL FOREIGN STOCK G0464B107 1516 34849 SH DEFINED 34849
HOLDINGS LTD
NOBLE CORP COMMON STOCK G65422100 1040 21200 SH DEFINED 21200
G65422100 10 200 SH DEF/OTH 200
COLUMN TOTALS 7484
AGGREGATE TOTAL 230149
Page 14
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 159
Form 13F Information Table Value Total: $ 230,149
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 15