<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
SEPTEMBER 30, 2000 FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS
</LEGEND>
<CIK> 0001005817
<NAME> Tompkins Trustco, Inc.
<MULTIPLIER> 1,000
<CURRENCY> USD
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 41,024
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 16,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 302,581
<INVESTMENTS-CARRYING> 26,995
<INVESTMENTS-MARKET> 28,838
<LOANS> 822,617
<ALLOWANCE> 9,581
<TOTAL-ASSETS> 1,276,848
<DEPOSITS> 1,006,428
<SHORT-TERM> 76,275
<LIABILITIES-OTHER> 14,570
<LONG-TERM> 67,434
0
0
<COMMON> 739
<OTHER-SE> 109,874
<TOTAL-LIABILITIES-AND-EQUITY> 1,276,848
<INTEREST-LOAN> 51,850
<INTEREST-INVEST> 15,587
<INTEREST-OTHER> 552
<INTEREST-TOTAL> 67,989
<INTEREST-DEPOSIT> 23,669
<INTEREST-EXPENSE> 29,221
<INTEREST-INCOME-NET> 38,768
<LOAN-LOSSES> 815
<SECURITIES-GAINS> 415
<EXPENSE-OTHER> 28,778
<INCOME-PRETAX> 19,390
<INCOME-PRE-EXTRAORDINARY> 19,390
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 13,086
<EPS-BASIC> 1.86
<EPS-DILUTED> 1.85
<YIELD-ACTUAL> 3.7
<LOANS-NON> 4,197
<LOANS-PAST> 1,344
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 9,228
<CHARGE-OFFS> 777
<RECOVERIES> 315
<ALLOWANCE-CLOSE> 9,581
<ALLOWANCE-DOMESTIC> 9,581
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,213
</TABLE>