CONSENT OF KPMG, LLP, INDEPENDENT AUDITORS
Board of Directors
Tompkins Trustco, Inc.
We consent to the incorporation by reference in the Registration Statement on
Form S-3 of Tompkins Trustco, Inc. for the BuyDIRECT Plan, an open availability
and dividend reinvestment plan, of our report dated January 28, 2000, relating
to the consolidated statement of condition of Tompkins Trustco, Inc. and
subsidiaries as of December 31, 1999 and 1998, and the related consolidated
statements of income, changes in shareholders' equity, and cash flows for
each of the years in the three-year period ended December 31, 1999, which report
appears in the December 31, 1999 annual report on Form 10-K of Tompkins Trustco,
Inc. filed with the Securities and Exchange Commission, and to the reference to
our firm as "Experts" in the prospectus.
/s/ KPMG, LLP
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KPMG, LLP
Syracuse, New York
June 28, 2000
