NBT BANK N A /NY
13F-HR, 2000-05-09
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: March 31, 2000

Check here if Amendment [    ];   Amendment Number:
This Amendment (Check only one.)  [   ]  is a restamement.
                                  [   ]  adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:          NBT Bank, N.A.
Address:       52 South Broad Street
               Norwich, New York 13815

13F File Number:   28-3594

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:   David J. Hildebrandt
Title:  Trust Tax and Compliance Officer
Phone:  (607) 337-6497

Signature, Place, and Date of Signing:

/s/  David J. Hildebrandt            Norwich, New York         May 5, 2000


Report Type (Check only one):

[ X ]   13F Holdings Report
[   ]   13F Notice
[   ]   13F Combination Report

List of Other Managers Reporting for this Manager:   N/A


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES  EXCHANGE  COMMISSION ACT
OF 1934.

<PAGE>

                              Form 13F Summary Page


Report Summary:

Number of Other Included Managers:                   0

Form 13F Information Table Entry Total:              633

Form 13F Information Table Value Total:              $302,322    (in thousands)



List of Other Included Managers:  NONE

<PAGE>
<TABLE>
<CAPTION>

                                                                        FORM 13F INFORMATION TABLE
                                 TITLE                          VALUE   SHARES/  SH/  PUT/ INVSTMT  OTHER     VOTING AUTHORITY
NAME OF ISSUER                   OF CLASS             CUSIP    (X$1000) PRN AMT  PRN  CALL DSCRETN  MANAGERS  SOLE    SHARED  NONE
<S>                              <C>                  <C>       <C>     <C>      <C>       <C>      <C>       <C>     <C>     <C>
ABBOTT LABS                      COM                  2824100   2193    62330    SH        SOLE               60130           2200
ABBOTT LABS                      COM                  2824100   589     16750    SH        DEFINED            8300    4950    3500
ADOBE SYS INC                    COM                  00724F101 22      200      SH        DEFINED            0       0       200
AFFILIATED COMPUTER SVCS         CL A                 8190100   190     5000     SH        DEFINED            5000    0       0
AFFYMETRIX INC                   COM                  00826T108 7       50       SH        SOLE               0       0       50
AIR PRODS & CHEMS INC            COM                  9158106   11      400      SH        SOLE               400     0       0
AIR PRODS & CHEMS INC            COM                  9158106   11      400      SH        DEFINED            400     0       0
ALBERTSONS INC                   COM                  13104104  3       100      SH        SOLE               100     0       0
ALLEGHENY ENERGY INC             COM                  17361106  27      1000     SH        SOLE               1000    0       0
ALLEGHENY ENERGY INC             COM                  17361106  13      500      SH        DEFINED            100     0       400
ALLEGHENY TECHNOLOGIES INC       COM                  01741R102 0       4        SH        DEFINED            4       0       0
ALLIANCE FINANCIAL CORP NY       COM                  19205103  17      900      SH        SOLE               900     0       0
ALLIANCE FINANCIAL CORP NY       COM                  19205103  90      4536     SH        DEFINED            4094    0       442
ALLIANCE PHARMACEUTICAL          COM                  18773101  29      2000     SH        SOLE               2000    0       0
ALLIANT CORP                     COM                  18802108  16      542      SH        SOLE               542     0       0
ALLIED CAP CORP NEW              COM                  01903Q108 17      1000     SH        DEFINED            0       1000    0
ALLSTATE CORP                    COM                  20002101  39      1666     SH        SOLE               1666    0       0
ALLSTATE CORP                    COM                  20002101  13      556      SH        DEFINED            556     0       0
ALLTEL CORP                      COM                  20039103  237     3749     SH        SOLE               3649    0       100
ALLTEL CORP                      COM                  20039103  50      796      SH        DEFINED            196     600     0
ALZA CORP DEL                    COM                  22615108  45      1200     SH        SOLE               1200    0       0
ALZA CORP DEL                    COM                  22615108  8       218      SH        DEFINED            0       218     0
AMERADA HESS CORP                COM                  23551104  6       100      SH        SOLE               100     0       0
AMERADA HESS CORP                COM                  23551104  10      168      SH        DEFINED            168     0       0
AMEREN CORP                      COM                  23608102  7       257      SH        SOLE               257     0       0
AMERICA ONLINE INC DEL           COM                  02364J104 551     8180     SH        SOLE               7480    200     500
AMERICA ONLINE INC DEL           COM                  02364J104 229     3400     SH        DEFINED            2800    0       600
AMERICAN CLASSIC VOYAGES CO      COM                  24928103  15      600      SH        DEFINED            0       600     0
AMERICAN ELEC PWR INC            COM                  25537101  3       123      SH        SOLE               123     0       0
AMERICAN EXPRESS CO              COM                  25816109  138     930      SH        SOLE               930     0       0
AMERICAN EXPRESS CO              COM                  25816109  181     1220     SH        DEFINED            670     50      500
AMERICAN HOME PRODS CORP         COM                  26609107  860     16000    SH        SOLE               14300           1700
AMERICAN HOME PRODS CORP         COM                  26609107  253     4720     SH        DEFINED            4370    100     250
AMERICAN INTL GROUP INC          COM                  26874107  1818    16603    SH        SOLE               15766   150     687
AMERICAN INTL GROUP INC          COM                  26874107  1099    10039    SH        DEFINED            9121    756     162
AMERICAN POWER CONV CORP         COM                  29066107  17      400      SH        DEFINED            400     0       0
AMGEN INC                        COM                  31162100  1979    32248    SH        DEFINED            0       0       32248
ANHEUSER BUSCH COS INC           COM                  35229103  212     3400     SH        SOLE               3400    0       0
ANHEUSER BUSCH COS INC           COM                  35229103  152     2456     SH        DEFINED            200     2256    0
APPLE COMPUTER INC               COM                  37833100  27      200      SH        SOLE               200     0       0
APPLE COMPUTER INC               COM                  37833100  13      100      SH        DEFINED            100     0       0
ARCHER DANIELS MIDLAND CO        COM                  39483102  2       254      SH        DEFINED            0       0       254
ASSOCIATES FIRST CAP CORP        CL A                 46008108  162     7570     SH        SOLE               7466    0       104
ASSOCIATES FIRST CAP CORP        CL A                 46008108  179     8380     SH        DEFINED            5358    52      2970
AT&T CORP                        COM                  1957109   3028    53775    SH        SOLE               50385   750     2640
AT&T CORP                        COM                  1957109   1939    34446    SH        DEFINED            22666   4061    7719
ATLANTIC RICHFIELD CO            COM                  48825103  2088    24576    SH        SOLE               24576   0       0
ATLANTIC RICHFIELD CO            COM                  48825103  728     8570     SH        DEFINED            5060    700     2810
AUTOLIV INC                      COM                  52800109  1096    36541    SH        SOLE               33289   0       3252
AUTOLIV INC                      COM                  52800109  851     28385    SH        DEFINED            19896   3437    5052
AUTOMATIC DATA PROCESSING        COM                  53015103  1004    20800    SH        SOLE               20800   0       0
AUTOMATIC DATA PROCESSING        COM                  53015103  885     18350    SH        DEFINED            15200   1900    1250
AVENTIS                          SPONSORED ADR        53561106  27      500      SH        DEFINED            0       500     0
AVERY DENNISON CORP              COM                  53611109  6       100      SH        SOLE               100     0       0
BANCO SNTNDR CENT HISPANO        ADR                  05964H105 65      6120     SH        DEFINED            0       6120    0
BANK NEW YORK INC                COM                  64057102  710     17100    SH        SOLE               17100   0       0
BANK NEW YORK INC                COM                  64057102  426     10272    SH        DEFINED            1600    400     8272
BANK OF AMERICA CORPORATION      COM                  60505104  993     18963    SH        SOLE               18963   0       0
BANK OF AMERICA CORPORATION      COM                  60505104  59      1137     SH        DEFINED            937     200     0
BANK ONE CORP                    COM                  06423A103 95      2762     SH        SOLE               2762    0       0
BANK ONE CORP                    COM                  06423A103 13      401      SH        DEFINED            401     0       0
BANKNORTH GROUP INC DEL          COM                  06646L100 11      440      SH        DEFINED            440     0       0
BARCLAYS BK PLC                  AM DEP NT RCPT       06738C836 132     5800     SH        SOLE               5800    0       0
BARR LABS INC                    COM                  68306109  21      500      SH        SOLE               500     0       0
BAUSCH & LOMB INC                COM                  71707103  156     3000     SH        DEFINED            3000    0       0
BAXTER INTL INC                  COM                  71813109  39      627      SH        SOLE               627     0       0
BAXTER INTL INC                  COM                  71813109  9       153      SH        DEFINED            153     0       0
BELL ATLANTIC CORP               COM                  77853109  3010    49256    SH        SOLE               47956   0       1300
BELL ATLANTIC CORP               COM                  77853109  1374    22494    SH        DEFINED            16644   1370    4480
BELLSOUTH CORP                   COM                  79860102  1959    41804    SH        SOLE               38604   0       3200
BELLSOUTH CORP                   COM                  79860102  802     17112    SH        DEFINED            13488   2028    1596
BEN & JERRYS HOMEMADE INC        CL A                 81465106  1       30       SH        DEFINED            0       0       30
BERKSHIRE HATHAWAY INC DEL       CL B                 84670207  112     62       SH        SOLE               62      0       0
BERKSHIRE HATHAWAY INC DEL       CL B                 84670207  132     73       SH        DEFINED            63      10      0
BESTFOODS                        COM                  08658U101 1036    22150    SH        SOLE               21750   400     0
BESTFOODS                        COM                  08658U101 205     4400     SH        DEFINED            2500    600     1300
BJ SERVICES CO WARRANTS          EXPIRE 04-13-00      55482111  0       2        SH        SOLE               2       0       0
BOEING CO                        COM                  97023105  801     21210    SH        SOLE               21010   0       200
BOEING CO                        COM                  97023105  416     11026    SH        DEFINED            9326    1500    200
BOISE CASCADE CORP               COM                  97383103  33      950      SH        SOLE               950     0       0
BOWNE & CO INC                   COM                  103043105 7       600      SH        DEFINED            600     0       0
BP AMOCO P L C                   SPONSORED ADR        55622104  1393    26168    SH        SOLE               26168   0       0
BP AMOCO P L C                   SPONSORED ADR        55622104  970     18226    SH        DEFINED            16220   528     1478
BRISTOL MYERS SQUIBB CO          COM                  110122108 5634    97142    SH        SOLE               91762   1000    4380
BRISTOL MYERS SQUIBB CO          COM                  110122108 4177    72025    SH        DEFINED            53575   7100    11350
BROADWING INC                    COM                  111620100 338     9106     SH        SOLE               9106    0       0
BROADWING INC                    COM                  111620100 487     13120    SH        DEFINED            0       13120   0
BSB BANCORP                      COM                  55652101  8       384      SH        SOLE               384     0       0
BSB BANCORP                      COM                  55652101  31      1507     SH        DEFINED            1507    0       0
BURLINGTON NRTHN SANTA FE        COM                  12189T104 9       438      SH        SOLE               438     0       0
CABLE & WIRELESS HKT             SPONSORED ADR        126828102 4       159      SH        DEFINED            0       159     0
CABLE & WIRELESS PUB LTD CO      SPONSORED ADR        126830207 22      400      SH        DEFINED            0       400     0
CAMDEN PPTY TR                   SH BEN INT           133131102 15      558      SH        DEFINED            558     0       0
CAMPBELL SOUP CO                 COM                  134429109 119     3900     SH        SOLE               3900    0       0
CAMPBELL SOUP CO                 COM                  134429109 41      1340     SH        DEFINED            0       1340    0
CARDINAL HEALTH INC              COM                  14149Y108 7       155      SH        SOLE               155     0       0
CARDINAL HEALTH INC              COM                  14149Y108 0       19       SH        DEFINED            19      0       0
CARNIVAL CORP                    COM                  143658102 37      1500     SH        SOLE               1500    0       0
CARNIVAL CORP                    COM                  143658102 24      1000     SH        DEFINED            300     700     0
CAROLINA PWR & LT CO             COM                  144141108 9       285      SH        SOLE               285     0       0
CAROLINA PWR & LT CO             COM                  144141108 12      400      SH        DEFINED            400     0       0
CATERPILLAR INC DEL              COM                  149123101 593     15045    SH        SOLE               14845   200     0
CATERPILLAR INC DEL              COM                  149123101 400     10150    SH        DEFINED            9200    200     750
CBS CORP                         COM                  12490K107 90      1600     SH        SOLE               1600    0       0
CBS CORP                         COM                  12490K107 161     2860     SH        DEFINED            1860    1000    0
CENDANT CORP                     COM                  151313103 18      1000     SH        DEFINED            1000    0       0
CENTRAL & SOUTH WEST CORP        COM                  152357109 4       238      SH        SOLE               238     0       0
CENTRAL & SOUTH WEST CORP        COM                  152357109 44      2600     SH        DEFINED            2600    0       0
CENTURYTEL INC                   COM                  156700106 15      426      SH        SOLE               426     0       0
CH ENERGY GROUP INC              COM                  12541M102 16      553      SH        SOLE               403     0       150
CHASE MANHATTAN CORP NEW         COM                  16161A108 540     6199     SH        SOLE               6199    0       0
CHASE MANHATTAN CORP NEW         COM                  16161A108 412     4736     SH        DEFINED            3236    600     900
CHEVRON CORPORATION              COM                  166751107 1447    15670    SH        SOLE               15570           100
CHEVRON CORPORATION              COM                  166751107 620     6713     SH        DEFINED            3601    1340    1772
CHIRON CORP                      COM                  170040109 24      500      SH        DEFINED            0       500     0
CHITTENDEN CORP                  COM                  170228100 4       162      SH        SOLE               162     0       0
CIGNA CORP                       COM                  125509109 249     3300     SH        SOLE               3300    0       0
CIGNA CORP                       COM                  125509109 68      900      SH        DEFINED            900     0       0
CINERGY CORP                     COM                  172474108 6       315      SH        SOLE               315     0       0
CIRCUIT CITY STORE INC           CARMAX GROUP         172737306 3       1000     SH        SOLE               1000    0       0
CISCO SYS INC                    COM                  17275R102 1959    25338    SH        SOLE               23138   200     2000
CISCO SYS INC                    COM                  17275R102 2103    27210    SH        DEFINED            15130   2330    9750
CITIGROUP INC                    COM                  172967101 1363    22763    SH        SOLE               21863   0       900
CITIGROUP INC                    COM                  172967101 515     8618     SH        DEFINED            4875    1443    2300
CITIZENS UTILS CO DEL            CL B                 177342201 21      1311     SH        DEFINED            1311    0       0
CNB FINL CORP                    COM                  125921106 12      1000     SH        DEFINED            1000    0       0
COASTAL CORP                     COM                  190441105 27      600      SH        SOLE               600     0       0
COCA COLA CO                     COM                  191216100 2815    60006    SH        SOLE               56388   550     3068
COCA COLA CO                     COM                  191216100 1378    29372    SH        DEFINED            20764   3100    5508
COHOES BANCORP INC               COM                  192513109 14      1500     SH        DEFINED            1500    0       0
COLGATE PALMOLIVE CO             COM                  194162103 1452    25766    SH        SOLE               25166   600     0
COLGATE PALMOLIVE CO             COM                  194162103 597     10600    SH        DEFINED            7000    0       3600
COLONIAL PPTYS TR                COM SH BEN INT       195872106 20      850      SH        DEFINED            850     0       0
COMMERCIAL NET LEASE RLTY        COM                  202218103 8       800      SH        SOLE               800     0       0
COMPAQ COMPUTER CORP             COM                  204493100 918     34000    SH        SOLE               32000   0       2000
COMPAQ COMPUTER CORP             COM                  204493100 144     5350     SH        DEFINED            3550    0       1800
COMPUTER ASSOC INTL INC          COM                  204912109 48      825      SH        SOLE               825     0       0
CONAGRA INC                      COM                  205887102 108     6000     SH        SOLE               6000    0       0
CONECTIV INC                     COM                  206829103 15      900      SH        SOLE               900     0       0
CONSECO INC                      COM                  208464107 22      2000     SH        SOLE               2000    0       0
CONSECO INC                      COM                  208464107 0       2        SH        DEFINED            0       2       0
CONSOLIDATED EDISON INC          COM                  209115104 149     5142     SH        SOLE               4292    0       850
CONSOLIDATED EDISON INC          COM                  209115104 45      1560     SH        DEFINED            806     0       754
CONSTELLATION ENERGY CORP        COM                  210371100 139     4377     SH        SOLE               4377    0       0
CONVERGYS CORP                   COM                  212485106 224     5806     SH        SOLE               5806    0       0
COOPER INDS INC                  COM                  216669101 70      2016     SH        DEFINED            2016    0       0
CORDANT TECHNOLOGIES INC         COM                  218412104 2546    45020    SH        SOLE               44990   0       30
CORDANT TECHNOLOGIES INC         COM                  218412104 1267    22416    SH        DEFINED            15348   2490    4578
CORN PRODS INTL INC              COM                  219023108 5       225      SH        SOLE               225     0       0
CORN PRODS INTL INC              COM                  219023108 10      425      SH        DEFINED            225     50      150
CORNING INC                      COM                  219350105 630     3250     SH        SOLE               3250    0       0
CORNING INC                      COM                  219350105 291     1500     SH        DEFINED            600     500     400
CORPORATE OFFICE PPTYS TR        SH BEN INT           22002T108 24      3000     SH        DEFINED            0       0       3000
COUNTRYWIDE CR INDS INC DEL      COM                  222372104 27      1000     SH        SOLE               1000    0       0
COVANCE INC                      COM                  222816100 0       50       SH        SOLE               50      0       0
COVANCE INC                      COM                  222816100 0       75       SH        DEFINED            75      0       0
CRESCENDO PHARMACEUTICALS        CL A                 225637107 2       113      SH        DEFINED            113     0       0
CROWN CORK & SEAL INC            COM                  228255105 46      2900     SH        DEFINED            2900    0       0
CSX CORP                         COM                  126408103 21      900      SH        SOLE               900     0       0
CTG RES INC                      COM                  125957100 11      300      SH        SOLE               300     0       0
DAIMLERCHRYSLER AG               ORD                  D1668R123 72      1102     SH        SOLE               1102    0       0
DAIMLERCHRYSLER AG               ORD                  D1668R123 8       125      SH        DEFINED            125     0       0
DANA CORP                        COM                  235811106 26      932      SH        SOLE               932     0       0
DEERE & CO                       COM                  244199105 202     5300     SH        SOLE               5300    0       0
DEERE & CO                       COM                  244199105 57      1500     SH        DEFINED            1500    0       0
DELL COMPUTER CORP               COM                  247025109 1629    30216    SH        SOLE               29216           1000
DELL COMPUTER CORP               COM                  247025109 868     16100    SH        DEFINED            10750   0       5350
DELPHI AUTOMOTIVE SYS CORP       COM                  247126105 38      2425     SH        SOLE               2289    0       136
DELPHI AUTOMOTIVE SYS CORP       COM                  247126105 73      4576     SH        DEFINED            1772    138     2666
DELTA AIR LINES INC DEL          COM                  247361108 29      550      SH        SOLE               550     0       0
DELUXE CORP                      COM                  248019101 2       109      SH        SOLE               109     0       0
DISNEY WALT CO                   COM                  254687106 1406    34100    SH        SOLE               34100   0       0
DISNEY WALT CO                   COM                  254687106 965     23400    SH        DEFINED            11150   0       12250
DOMINION RES INC VA NEW          COM                  25746U109 563     14661    SH        SOLE               14661   0       0
DOMINION RES INC VA NEW          COM                  25746U109 291     7575     SH        DEFINED            4880    2245    450
DONNA KARAN INTL INC             COM                  257826107 0       10       SH        DEFINED            10      0       0
DOVER CORP                       COM                  260003108 1306    27284    SH        SOLE               25984   0       1300
DOVER CORP                       COM                  260003108 292     6100     SH        DEFINED            3600    400     2100
DOW CHEM CO                      COM                  260543103 842     7392     SH        SOLE               7047    100     245
DOW CHEM CO                      COM                  260543103 638     5600     SH        DEFINED            4100    100     1400
DPL INC                          COM                  233293109 20      930      SH        DEFINED            930     0       0
DQE INC                          COM                  23329J104 13      300      SH        DEFINED            300     0       0
DST SYS INC DEL                  COM                  233326107 194     3000     SH        DEFINED            3000    0       0
DU PONT E I DE NEMOURS & CO      COM                  263534109 1965    37132    SH        SOLE               36032   100     1000
DU PONT E I DE NEMOURS & CO      COM                  263534109 1732    32730    SH        DEFINED            23553   3877    5300
DUKE ENERGY CORP                 COM                  264399106 252     4800     SH        SOLE               4300    500     0
DUKE ENERGY CORP                 COM                  264399106 151     2878     SH        DEFINED            2778    100     0
DUKE WEEKS REALTY CORP           COM NEW              264411505 3       200      SH        DEFINED            0       0       200
DUN & BRADSTREET CORP DEL        COM                  26483B106 114     4000     SH        SOLE               4000    0       0
DUN & BRADSTREET CORP DEL        COM                  26483B106 14      500      SH        DEFINED            0       0       500
E M C CORP MASS                  COM                  268648102 321     2550     SH        SOLE               2550    0       0
E M C CORP MASS                  COM                  268648102 126     1000     SH        DEFINED            1000    0       0
EARTHGRAINS CO                   COM                  270319106 0       42       SH        DEFINED            0       42      0
EASTMAN CHEM CO                  COM                  277432100 52      1162     SH        SOLE               1162    0       0
EASTMAN CHEM CO                  COM                  277432100 19      427      SH        DEFINED            0       225     202
EASTMAN KODAK CO                 COM                  277461109 827     15243    SH        SOLE               15243   0       0
EASTMAN KODAK CO                 COM                  277461109 153     2822     SH        DEFINED            1400    800     622
EDISON INTL                      COM                  281020107 73      4432     SH        SOLE               4432    0       0
EDISON INTL                      COM                  281020107 18      1100     SH        DEFINED            600     0       500
EDWARDS AG INC                   COM                  281760108 12      303      SH        DEFINED            303     0       0
EL PASO ENERGY CORP DEL          COM                  283905107 1       26       SH        SOLE               26      0       0
ELAN PLC                         ADR                  284131208 64      1350     SH        SOLE               1350    0       0
ELECTRONIC DATA SYS NEW          COM                  285661104 101     1588     SH        SOLE               988     0       600
ELECTRONIC DATA SYS NEW          COM                  285661104 125     1952     SH        DEFINED            1200    0       752
EMBRATEL PARTICIPACOES S A       SPON ADR PFD         29081N100 38      1500     SH        DEFINED            0       1500    0
EMERGE INTERACTIVE INC           CL A                 29088W103 3       100      SH        DEFINED            0       100     0
EMERGING MARKETS TELECOM         FUND                 290887108 25      1400     SH        DEFINED            0       1400    0
EMERSON ELEC CO                  COM                  291011104 79      1500     SH        SOLE               1500    0       0
EMERSON ELEC CO                  COM                  291011104 440     8300     SH        DEFINED            7300    1000    0
ENERGEN CORP                     COM                  29265N108 4       300      SH        SOLE               300     0       0
ENERGY EAST CORP                 COM                  29266M109 351     17730    SH        SOLE               15730   0       2000
ENERGY EAST CORP                 COM                  29266M109 397     20054    SH        DEFINED            13744   2710    3600
ENRON CORP                       COM                  293561106 29      400      SH        SOLE               400     0       0
ENRON CORP                       COM                  293561106 153     2050     SH        DEFINED            0       2050    0
ENSCO INTL INC                   COM                  26874Q100 37      1052     SH        SOLE               1052    0       0
ENTERGY CORP NEW                 COM                  29364G103 99      4950     SH        SOLE               4800    0       150
ENTERGY CORP NEW                 COM                  29364G103 68      3400     SH        DEFINED            2400    1000    0
ERICSSON L M TEL CO              ADR CL B SEK10       294821400 484     5160     SH        SOLE               5160    0       0
ERICSSON L M TEL CO              ADR CL B SEK10       294821400 555     5920     SH        DEFINED            0       5920    0
ESPIRITO SANTO FINL GROUP        SPONSORED ADR        29665F200 18      1000     SH        DEFINED            0       1000    0
EXODUS COMMUNICATIONS INC        COM                  302088109 14      100      SH        SOLE               100     0       0
EXXON MOBIL CORP                 COM                  30231G102 8463    108605   SH        SOLE               104593  500     3512
EXXON MOBIL CORP                 COM                  30231G102 7317    93898    SH        DEFINED            70844   8620    14434
FAMILY DLR STORES INC            COM                  307000109 31      1500     SH        SOLE               1500    0       0
FEDERAL NATL MTG ASSN            COM                  313586109 2202    38935    SH        SOLE               36905   650     1380
FEDERAL NATL MTG ASSN            COM                  313586109 1428    25250    SH        DEFINED            19300   1350    4600
FEDEX CORP                       COM                  31428X106 155     4000     SH        DEFINED            4000    0       0
FIRST DATA CORP                  COM                  319963104 133     3000     SH        SOLE               3000    0       0
FIRST DATA CORP                  COM                  319963104 177     4000     SH        DEFINED            4000    0       0
FIRST TENN NATL CORP             COM                  337162101 8       400      SH        DEFINED            400     0       0
FIRST UN CORP                    COM                  337358105 124     3350     SH        SOLE               3350    0       0
FIRST UN CORP                    COM                  337358105 6       162      SH        DEFINED            0       162     0
FIRSTENERGY CORP                 COM                  337932107 18      904      SH        SOLE               904     0       0
FISERV INC                       COM                  337738108 14      400      SH        SOLE               400     0       0
FLEETBOSTON FINL CORP            COM                  339030108 246     6743     SH        SOLE               6663    0       80
FLEETBOSTON FINL CORP            COM                  339030108 65      1782     SH        DEFINED            1436    346     0
FLORIDA PROGRESS CORP            COM                  341109106 2       46       SH        SOLE               46      0       0
FLOWERS INDS INC                 COM                  343496105 24      1600     SH        SOLE               1600    0       0
FLUOR CORP                       COM                  343861100 18      600      SH        DEFINED            0       0       600
FONAR CORP                       COM                  344437108 0       262      SH        SOLE               262     0       0
FORD MTR CO DEL                  COM                  345370100 1640    35725    SH        SOLE               34925   0       800
FORD MTR CO DEL                  COM                  345370100 981     21362    SH        DEFINED            13872   1400    6090
FORTUNE BRANDS INC               COM                  349631101 157     6301     SH        SOLE               6301    0       0
FORTUNE BRANDS INC               COM                  349631101 27      1100     SH        DEFINED            1100    0       0
FPL GROUP INC                    COM                  302571104 754     16375    SH        SOLE               15975   0       400
FPL GROUP INC                    COM                  302571104 330     7184     SH        DEFINED            5934    0       1250
FRANKLIN RES INC                 COM                  354613101 10      300      SH        DEFINED            300     0       0
FST AUSTRALIA PRIME INCOME       COM                  318653102 5       1200     SH        DEFINED            1200    0       0
GALLAHER GROUP PLC               SPONSORED ADR        363595109 61      3101     SH        SOLE               3101    0       0
GALLAHER GROUP PLC               SPONSORED ADR        363595109 5       300      SH        DEFINED            300     0       0
GANNETT INC                      COM                  364730101 14      200      SH        SOLE               200     0       0
GAP INC DEL                      COM                  364760108 56      1125     SH        SOLE               1125    0       0
GARTNER GROUP INC NEW            CL B                 366651206 5       390      SH        SOLE               390     0       0
GENERAL DYNAMICS CORP            COM                  369550108 39      800      SH        DEFINED            0       0       800
GENERAL ELEC CO                  COM                  369604103 15146   97333    SH        SOLE               93238   500     3595
GENERAL ELEC CO                  COM                  369604103 11647   74844    SH        DEFINED            46424   11970   16450
GENERAL MILLS INC                COM                  370334104 79      2200     SH        SOLE               2200    0       0
GENERAL MILLS INC                COM                  370334104 72      2000     SH        DEFINED            2000    0       0
GENERAL MTRS CORP                COM                  370442105 746     9020     SH        SOLE               8820    0       200
GENERAL MTRS CORP                COM                  370442105 741     8950     SH        DEFINED            4864    200     3886
GENERAL MTRS CORP                CL H NEW             370442832 0       6        SH        DEFINED            2       0       4
GENUINE PARTS CO                 COM                  372460105 84      3545     SH        SOLE               3545    0       0
GENUINE PARTS CO                 COM                  372460105 9       400      SH        DEFINED            175     0       225
GILLETTE CO                      COM                  375766102 1151    30550    SH        SOLE               28450   200     1900
GILLETTE CO                      COM                  375766102 787     20900    SH        DEFINED            14850   2650    3400
GLAXO WELLCOME PLC               SPONSORED ADR        37733W105 28      498      SH        SOLE               498     0       0
GLAXO WELLCOME PLC               SPONSORED ADR        37733W105 103     1805     SH        DEFINED            805     1000    0
GLOBAL CROSSING LTD              COM                  G3921A100 12      301      SH        DEFINED            301     0       0
GLOBAL MARINE INC                COM                  379352404 12      500      SH        DEFINED            0       500     0
GLOBALSTAR TELECOMMS LTD         COM                  G3930H104 13      1000     SH        DEFINED            0       1000    0
GOODRICH B F CO                  COM                  382388106 11      418      SH        SOLE               418     0       0
GOODRICH B F CO                  COM                  382388106 14      500      SH        DEFINED            0       0       500
GOODYEAR TIRE & RUBR CO          COM                  382550101 54      2348     SH        SOLE               2348    0       0
GPU INC                          COM                  36225X100 0       22       SH        DEFINED            0       22      0
GTE CORP                         COM                  362320103 4250    59869    SH        SOLE               58969   500     400
GTE CORP                         COM                  362320103 2825    39794    SH        DEFINED            28378   9490    1926
GUIDANT CORP                     COM                  401698105 992     16856    SH        SOLE               14252   0       2604
GUIDANT CORP                     COM                  401698105 548     9312     SH        DEFINED            7320    0       1992
HALLIBURTON CO                   COM                  406216101 82      2000     SH        SOLE               2000    0       0
HALLIBURTON CO                   COM                  406216101 20      500      SH        DEFINED            0       500     0
HANCOCK JOHN FINL SVCS INC       COM                  41014S106 0       20       SH        DEFINED            20      0       0
HARDINGE INC                     COM                  412324303 9       900      SH        DEFINED            0       0       900
HARTFORD FINL SVCS GROUP         COM                  416515104 1       28       SH        SOLE               28      0       0
HAWAIIAN ELEC INDUSTRIES         COM                  419870100 11      350      SH        SOLE               350     0       0
HEALTHSOUTH CORP                 COM                  421924101 1       300      SH        SOLE               300     0       0
HEINZ H J CO                     COM                  423074103 1330    38170    SH        SOLE               36270   0       1900
HEINZ H J CO                     COM                  423074103 584     16775    SH        DEFINED            7550    4150    5075
HERCULES INC                     COM                  427056106 24      1500     SH        SOLE               1500    0       0
HERCULES INC                     COM                  427056106 7       450      SH        DEFINED            0       0       450
HERSHEY FOODS CORP               COM                  427866108 352     7232     SH        DEFINED            2000    0       5232
HEWLETT PACKARD CO               COM                  428236103 2613    19665    SH        SOLE               19065   0       600
HEWLETT PACKARD CO               COM                  428236103 1563    11770    SH        DEFINED            9320    1200    1250
HILFIGER TOMMY CORP              ORD                  G8915Z102 5       400      SH        DEFINED            400     0       0
HILTON HOTELS CORP               COM                  432848109 2       325      SH        SOLE               325     0       0
HOME DEPOT INC                   COM                  437076102 1478    22924    SH        SOLE               21224   350     1350
HOME DEPOT INC                   COM                  437076102 895     13876    SH        DEFINED            8430    4600    846
HON INDS INC                     COM                  438092108 5       200      SH        SOLE               200     0       0
HONEYWELL INTL INC               COM                  438516106 288     5469     SH        SOLE               5469    0       0
HONEYWELL INTL INC               COM                  438516106 200     3800     SH        DEFINED            800     200     2800
HOUSEHOLD INTL INC               COM                  441815107 103     2779     SH        SOLE               2779    0       0
HSBC HLDGS PLC                   SPON ADR NEW         404280406 36      600      SH        DEFINED            0       600     0
ICOS CORP                        COM                  449295104 18      500      SH        DEFINED            0       500     0
IDACORP INC                      COM                  451107106 93      2700     SH        SOLE               2700    0       0
IDACORP INC                      COM                  451107106 17      500      SH        DEFINED            0       500     0
ILLINOIS TOOL WKS INC            COM                  452308109 116     2121     SH        SOLE               2121            0
IMATION CORP                     COM                  45245A107 2       110      SH        DEFINED            110     0       0
IMC GLOBAL INC WARRANTS          EXPIRE 12-22-00      449669118 0       27       SH        DEFINED            0       27      0
IMS HEALTH INC                   COM                  449934108 50      3000     SH        SOLE               3000    0       0
IMS HEALTH INC                   COM                  449934108 3       200      SH        DEFINED            0       0       200
INTEL CORP                       COM                  458140100 9189    69656    SH        SOLE               64950   1300    3406
INTEL CORP                       COM                  458140100 6256    47424    SH        DEFINED            30425   7950    9049
INTELLICORP INC                  COM                  458153103 38      9500     SH        DEFINED            9500    0       0
INTERNATIONAL FLAVORS&FRAGRA     COM                  459506101 77      2200     SH        SOLE               2200    0       0
INTERNET CAP GROUP INC           COM                  46059C106 18      200      SH        DEFINED            0       200     0
INTL BUSINESS MACHINES CORP      COM                  459200101 4971    42134    SH        SOLE               38670   1080    2384
INTL BUSINESS MACHINES CORP      COM                  459200101 2895    24541    SH        DEFINED            14417   3468    6656
INTL PAPER CO                    COM                  460146103 17      400      SH        DEFINED            400     0       0
IOMEGA CORP                      COM                  462030107 9       2400     SH        SOLE               2400    0       0
IPALCO ENTERPRISES INC           COM                  462613100 35      1800     SH        SOLE               1800    0       0
JACOBS ENGR GROUP INC DEL        COM                  469814107 63      2000     SH        DEFINED            2000    0       0
JOHNSON & JOHNSON                COM                  478160104 3615    51467    SH        SOLE               47647   0       3820
JOHNSON & JOHNSON                COM                  478160104 2139    30450    SH        DEFINED            20200   3250    7000
JOHNSON CTLS INC                 COM                  478366107 30      570      SH        SOLE               570     0       0
JOSTENS INC                      COM                  481088102 2       100      SH        DEFINED            100     0       0
K MART CORP                      COM                  482584109 3       360      SH        SOLE               360     0       0
KANSAS CITY PWR & LT CO          COM                  485134100 29      1008     SH        SOLE               1008    0       0
KANSAS CITY PWR & LT CO          COM                  485134100 13      450      SH        DEFINED            0       450     0
KAYDON CORP                      COM                  486587108 21      800      SH        DEFINED            800     0       0
KELLOGG CO                       COM                  487836108 7       300      SH        SOLE               300     0       0
KELLOGG CO                       COM                  487836108 161     6264     SH        DEFINED            700     764     4800
KERR MCGEE CORP                  COM                  492386107 8       147      SH        SOLE               147     0       0
KEYCORP NEW                      COM                  493267108 186     9842     SH        SOLE               9842    0       0
KEYCORP NEW                      COM                  493267108 171     9008     SH        DEFINED            700     0       8308
KEYSPAN CORP                     COM                  49337W100 13      500      SH        DEFINED            0       500     0
KIMBERLY CLARK CORP              COM                  494368103 44      800      SH        SOLE               800     0       0
KIMBERLY CLARK CORP              COM                  494368103 19      350      SH        DEFINED            0       350     0
KNIGHT RIDDER INC                COM                  499040103 56      1100     SH        SOLE               1100    0       0
KNIGHT RIDDER INC                COM                  499040103 61      1200     SH        DEFINED            0       0       1200
KNIGHT/TRIMARK GRP INC NEW       CL A                 499068104 7       150      SH        DEFINED            150     0       0
KROGER CO                        COM                  501044101 121     6900     SH        SOLE               6900    0       0
KROGER CO                        COM                  501044101 31      1800     SH        DEFINED            1800    0       0
LAKELAND BANCORP INC             COM                  511637100 80      7418     SH        DEFINED            7418    0       0
LATIN AMER INVESTMENT FUND       INC                  518279104 9       666      SH        DEFINED            0       666     0
LG&E ENERGY CORP                 COM                  501917108 27      1200     SH        DEFINED            1200    0       0
LILLY ELI & CO                   COM                  532457108 751     12012    SH        SOLE               10524   0       1488
LILLY ELI & CO                   COM                  532457108 645     10304    SH        DEFINED            9904    0       400
LOCKHEED MARTIN CORP             COM                  539830109 38      1900     SH        SOLE               1900    0       0
LOCKHEED MARTIN CORP             COM                  539830109 2       100      SH        DEFINED            0       0       100
LOWES COS INC                    COM                  548661107 233     4000     SH        DEFINED            4000    0       0
LSI LOGIC CORP                   COM                  502161102 3       50       SH        SOLE               50      0       0
LUBRIZOL CORP                    COM                  549271104 5       200      SH        DEFINED            200     0       0
LUBYS INC                        COM                  549282101 1       173      SH        DEFINED            173     0       0
LUCENT TECHNOLOGIES INC          COM                  549463107 4684    76471    SH        SOLE               72831   948     2692
LUCENT TECHNOLOGIES INC          COM                  549463107 2883    47074    SH        DEFINED            36214   3274    7586
MACROCHEM CORP DEL               COM                  555903103 7       1000     SH        DEFINED            0       1000    0
MAF BANCORP INC                  COM                  55261R108 0       23       SH        SOLE               23      0       0
MARITRANS INC                    COM                  570363101 12      2000     SH        DEFINED            0       0       2000
MASCO CORP                       COM                  574599106 36      1800     SH        SOLE               1800    0       0
MAY DEPT STORES CO               COM                  577778103 121     4262     SH        SOLE               4262    0       0
MBIA INC                         COM                  55262C100 130     2500     SH        DEFINED            2500    0       0
MCDONALDS CORP                   COM                  580135101 548     14670    SH        SOLE               14620   0       50
MCDONALDS CORP                   COM                  580135101 490     13120    SH        DEFINED            10800   120     2200
MCGRAW HILL COS INC              COM                  580645109 63      1400     SH        SOLE               1400    0       0
MCI WORLDCOM INC                 COM                  55268B107 269     5936     SH        SOLE               5736    200     0
MCI WORLDCOM INC                 COM                  55268B106 210     4647     SH        DEFINED            3637    950     60
MCLAREN AUTO GROUP INC           COM                  581759107 66      26500    SH        DEFINED            0       0       26500
MCN ENERGY GROUP INC             COM                  55267J100 3       144      SH        DEFINED            144     0       0
MEDIAONE GROUP INC               COM                  58440J104 263     3254     SH        SOLE               2704    200     350
MEDIAONE GROUP INC               COM                  58440J104 261     3231     SH        DEFINED            1643    500     1088
MEDTRONIC INC                    COM                  585055106 1115    21700    SH        SOLE               21400   300     0
MEDTRONIC INC                    COM                  585055106 27      540      SH        DEFINED            0       540     0
MELLON FINL CORP                 COM                  58551A108 5       200      SH        SOLE               200     0       0
MERCK & CO INC                   COM                  589331107 3150    50716    SH        SOLE               48416   700     1600
MERCK & CO INC                   COM                  589331107 3411    54915    SH        DEFINED            37355   9860    7700
MERRILL LYNCH & CO INC           COM                  590188108 1276    12160    SH        SOLE               12160   0       0
MERRILL LYNCH & CO INC           COM                  590188108 611     5820     SH        DEFINED            5720    100     0
MGI PHARMA INC                   COM                  552880106 4       100      SH        DEFINED            100     0       0
MGI PPTYS INC                    COM                  552885105 0       26       SH        SOLE               26      0       0
MICROCIDE PHARMACEUTICALS        COM                  595018102 1       100      SH        DEFINED            0       0       100
MICROSOFT CORP                   COM                  594918104 3101    29195    SH        SOLE               28365   150     680
MICROSOFT CORP                   COM                  594918104 5022    47270    SH        DEFINED            38640   620     8010
MILLS CORP                       COM                  601148109 11      617      SH        DEFINED            617     0       0
MINNESOTA MNG & MFG CO           COM                  604059105 917     10360    SH        SOLE               9160    200     1000
MINNESOTA MNG & MFG CO           COM                  604059105 817     9232     SH        DEFINED            6532    700     2000
MONSANTO CO                      COM                  611662107 1099    21340    SH        SOLE               20250   0       1090
MONSANTO CO                      COM                  611662107 643     12490    SH        DEFINED            11075   400     1015
MONY GROUP INC                   COM                  615337102 14      461      SH        SOLE               461     0       0
MORGAN J P & CO INC              COM                  616880100 1573    10991    SH        SOLE               10991   0       0
MORGAN J P & CO INC              COM                  616880100 1139    8650     SH        DEFINED            8250    200     200
MORGAN STANLEY DEAN WITTER       COM NEW              617446448 752     10600    SH        SOLE               10600   0       0
MORGAN STANLEY DEAN WITTER       COM NEW              617446448 33      400      SH        DEFINED            400     0       0
MORRISON KNUDSON WARRANTS        EXPIRE 03-11-03      61844A117 0       7        SH        DEFINED            7       0       0
MOTOROLA INC                     COM                  620076109 1557    10667    SH        SOLE               9067    200     1400
MOTOROLA INC                     COM                  620076109 1689    11569    SH        DEFINED            5119    950     5500
MYERS INDS INC                   COM                  628464109 70      5906     SH        SOLE               5906    0       0
MYERS INDS INC                   COM                  628464109 12      1005     SH        DEFINED            1005    0       0
NABISCO GROUP HLDG CORP          COM                  62952P102 8       740      SH        SOLE               740     0       0
NABISCO GROUP HLDG CORP          COM                  62952P102 20      1709     SH        DEFINED            137     0       1572
NATIONAL CITY CORP               COM                  635405103 14      720      SH        DEFINED            720     0       0
NATIONAL FUEL GAS CO N J         COM                  636180101 19      440      SH        SOLE               440     0       0
NATIONAL HEALTH INVS INC         COM                  63633D104 10      900      SH        DEFINED            900     0       0
NBT BANCORP INC                  COM                  628778102 16526   1139759  SH        SOLE               1056497 4361    78901
NBT BANCORP INC                  COM                  628778102 5221    360117   SH        DEFINED            160717  53862   145538
NCR CORP NEW                     COM                  62886E108 29      730      SH        SOLE               684     0       46
NCR CORP NEW                     COM                  62886E108 6       168      SH        DEFINED            60      0       108
NEIMAN MARCUS GROUP INC          CL A                 640204202 18      650      SH        SOLE               650     0       0
NETIQ CORP                       COM                  64115P102 13      200      SH        SOLE               0       0       200
NETWORKS ASSOCS INC              COM                  640938106 4       150      SH        SOLE               150     0       0
NEW CENTURY ENERGIES INC         COM                  64352U103 53      1765     SH        SOLE               1765    0       0
NEW CENTURY ENERGIES INC         COM                  64352U103 36      1200     SH        DEFINED            1000    0       200
NEW PLAN EXCEL RLTY TR INC       COM                  648053106 1       100      SH        DEFINED            100     0       0
NEWPORT NEWS SHIPBUILDING IN     COM                  652228107 1       50       SH        SOLE               50      0       0
NICOR INC                        COM                  654086107 16      505      SH        SOLE               505     0       0
NICOR INC                        COM                  654086107 11      350      SH        DEFINED            0       350     0
NIKE INC                         CL B                 654106103 0       23       SH        SOLE               23      0       0
NOKIA CORP                       SPONSORED ADR        654902204 355     1600     SH        DEFINED            0       1600    0
NORFOLK SOUTHERN CORP            COM                  655844108 31      2220     SH        SOLE               2220    0       0
NORTHN STS PWR CO MINN           COM                  665772109 270     13600    SH        SOLE               13600   0       0
NORTHN STS PWR CO MINN           COM                  665772109 51      2604     SH        DEFINED            1892    0       712
NOVELL INC                       COM                  670006105 5       200      SH        DEFINED            200     0       0
NOVO-NORDISK A S                 ADR                  670100205 48      700      SH        DEFINED            700     0       0
NSTAR                            COM                  67019E107 9       221      SH        SOLE               221     0       0
NSTAR                            COM                  67019E107 1       42       SH        DEFINED            42      0       0
NUVEEN INSURED PREMIUM INC       MUNI FD 2            6706D8104 7       665      SH        SOLE               665     0       0
NUVEEN NY INVESTMENT             QUALITY MUNI FUND    67062X101 14      1100     SH        SOLE               1100    0       0
NUVEEN NY INVESTMENT             QUALITY MUNI FUND    67062X101 1       110                DEFINED            110     0       0
NUVEEN NY PERF PLUS MUNI         FD INC               67062R104 17      1300     SH        SOLE               1300    0       0
OGE ENERGY CORP                  COM                  670837103 3       200      SH        SOLE               200     0       0
OGE ENERGY CORP                  COM                  670837103 7       400      SH        DEFINED            400     0       0
ONEIDA LTD                       COM                  682505102 5       282      SH        SOLE               282     0       0
OPEN JT STK CO-VIMPEL COMM       SPONSORED ADR        68370R109 12      300      SH        DEFINED            0       300     0
ORACLE CORP                      COM                  68389X105 2528    32400    SH        SOLE               32400   0       0
ORACLE CORP                      COM                  68389X105 537     6887     SH        DEFINED            5847    950     90
PACTIV CORP                      COM                  695257105 1       150      SH        SOLE               150     0       0
PAC-WEST TELECOM INC             COM                  69371Y101 3       100      SH        DEFINED            0       100     0
PARAMETRIC TECHNOLOGY CORP       COM                  699173100 25      1200     SH        DEFINED            0       1200    0
PARK PL ENTMT CORP               COM                  700690100 3       325      SH        SOLE               325     0       0
PARKER HANNIFIN CORP             COM                  701094104 46      1135     SH        SOLE               1135    0       0
PAYLESS SHOESOURCE INC           COM                  704379106 4       80       SH        SOLE               80      0       0
PECO ENERGY CO                   COM                  693304107 151     4100     SH        SOLE               4100    0       0
PECO ENERGY CO                   COM                  693304107 7       200      SH        DEFINED            0       200     0
PENNEY J C INC                   COM                  708160106 78      5300     SH        SOLE               4900    200     200
PENNEY J C INC                   COM                  708160106 197     13275    SH        DEFINED            12500   0       775
PENTON MEDIA INC                 COM                  709668107 36      1405     SH        SOLE               1405    0       0
PEPSICO INC                      COM                  713448108 958     27486    SH        SOLE               26886   0       600
PEPSICO INC                      COM                  713448108 549     15763    SH        DEFINED            7997    2900    4866
PER SE TECHNOLOGIES INC          COM NEW              713569309 0       47       SH        DEFINED            47      0       0
PFIZER INC                       COM                  717081103 860     23541    SH        SOLE               23541   0       0
PFIZER INC                       COM                  717081103 1328    36350    SH        DEFINED            34450   1200    700
PG&E CORP                        COM                  69331C108 102     4896     SH        SOLE               4896    0       0
PG&E CORP                        COM                  69331C108 4       200      SH        DEFINED            200     0       0
PHARMACIA & UPJOHN INC           COM                  716941109 77      1305     SH        DEFINED            0       0       1305
PHILIP MORRIS COS INC            COM                  718154107 923     43745    SH        SOLE               42845   0       900
PHILIP MORRIS COS INC            COM                  718154107 1849    87569    SH        DEFINED            67796   7273    12500
PHILLIPS PETE CO                 COM                  718507106 23      500      SH        SOLE               500     0       0
PITNEY BOWES INC                 COM                  724479100 35      800      SH        SOLE               800     0       0
PITNEY BOWES INC                 COM                  724479100 268     6000     SH        DEFINED            6000    0       0
PNC FINL SVCS GROUP INC          COM                  693475105 115     2560     SH        SOLE               2560    0       0
PORTUGAL TELECOM S A             SPONSORED ADR        737273102 31      2500     SH        DEFINED            0       2500    0
PPG INDS INC                     COM                  693506107 52      1000     SH        DEFINED            1000    0       0
PPL CORP                         COM                  69351T106 12      615      SH        SOLE               615     0       0
PPL CORP                         COM                  69351T106 20      1000     SH        DEFINED            1000    0       0
PRAXAIR INC                      COM                  74005P104 12      300      SH        DEFINED            300     0       0
PREMIER NATL BANCORP INC         COM                  74053F107 56      3750     SH        SOLE               3750    0       0
PREMIER NATL BANCORP INC         COM                  74053F107 10      726      SH        DEFINED            726     0       0
PRISON RLTY TR                   COM                  74264N105 0       196      SH        DEFINED            196     0       0
PROCTER & GAMBLE CO              COM                  742718109 2773    49089    SH        SOLE               45634   550     2905
PROCTER & GAMBLE CO              COM                  742718109 2381    42152    SH        DEFINED            36046   1850    4256
PUBLIC SVC ENTERPRISE GROUP      COM                  744573106 569     19223    SH        SOLE               19223   0       0
PUBLIC SVC ENTERPRISE GROUP      COM                  744573106 189     6406     SH        DEFINED            4467    939     1000
PUGET SOUND ENERGY INC           COM                  745332106 1       66       SH        DEFINED            66      0       0
QLT PHOTOTHERAPEUTICS INC        COM                  746927102 11      200      SH        DEFINED            200     0       0
QUAKER OATS CO                   COM                  747402105 103     1700     SH        SOLE               1700    0       0
QUAKER OATS CO                   COM                  747402105 96      1600     SH        DEFINED            1400    0       200
QUALCOMM INC                     COM                  747525103 7       50       SH        DEFINED            0       0       50
QUEST DIAGNOSTICS INC            COM                  74834L100 0       25       SH        SOLE               25      0       0
QUEST DIAGNOSTICS INC            COM                  74834L100 1       38       SH        DEFINED            38      0       0
QUINTILES TRANSNATL CORP         COM                  748767100 0       11       SH        SOLE               11      0       0
QWEST COMMUNICATIONS INTL        COM                  749121109 9       200      SH        DEFINED            200     0       0
R G S ENERGY GROUP INC           COM                  74956K104 74      3500     SH        DEFINED            3500    0       0
RANK GROUP PLC                   SPONSORED ADR        753037100 0       5        SH        DEFINED            0       0       5
RAYTHEON CO                      CL A                 755111309 0       12       SH        SOLE               12      0       0
RAYTHEON CO                      CL B                 755111408 132     7466     SH        SOLE               7466    0       0
RAYTHEON CO                      CL A                 755111309 6       359      SH        DEFINED            135     12      212
RELIANT ENERGY INC               COM                  75952J108 13      586      SH        SOLE               586     0       0
RELIANT ENERGY INC               COM                  75952J108 49      2120     SH        DEFINED            0       2000    120
REYNOLDS R J TOB HLDGS INC       COM                  76182K105 2       163      SH        SOLE               163     0       0
REYNOLDS R J TOB HLDGS INC       COM                  76182K105 9       568      SH        DEFINED            44      0       524
ROCKWELL INTL CORP NEW           COM                  773903109 20      480      SH        DEFINED            480     0       0
ROHM & HAAS CO                   COM                  775371107 79      1772     SH        SOLE               1758    0       14
ROHM & HAAS CO                   COM                  775371107 263     5897     SH        DEFINED            2397    3500    0
ROYAL BK SCOTLAND GROUP PLC      SPON ADR F           780097804 21      1000     SH        SOLE               1000    0       0
ROYAL BK SCOTLAND GROUP PLC      SP ADR I PRF I       780097861 102     4600     SH        SOLE               4600    0       0
ROYAL BK SCOTLAND GROUP PLC      SPON ADR SER H       780097879 40      2000     SH        SOLE               2000    0       0
ROYAL DUTCH PETE CO              NY REG GLD1.25       780257804 520     9000     SH        DEFINED            5800    0       3200
SAFEGUARD SCIENTIFICS INC        COM                  786449108 248     3600     SH        SOLE               3600    0       0
SAFEGUARD SCIENTIFICS INC        COM                  786449108 279     4050     SH        DEFINED            900     3000    150
SALOMON BROS 2008 WORLDWIDE      DOLLAR GOVT TERM TR  79548R103 0       100      SH        DEFINED            100     0       0
SARA LEE CORP                    COM                  803111103 381     21200    SH        SOLE               20000   0       1200
SARA LEE CORP                    COM                  803111103 604     33600    SH        DEFINED            27600   1800    4200
SBC COMMUNICATIONS INC           COM                  78387G103 1692    40187    SH        SOLE               37394   0       2793
SBC COMMUNICATIONS INC           COM                  78387G103 1082    25702    SH        DEFINED            18284   2338    5080
SCANA CORP NEW                   COM                  80589M102 78      3178     SH        SOLE               3178    0       0
SCHERING PLOUGH CORP             COM                  806605101 658     17734    SH        SOLE               17634   0       100
SCHERING PLOUGH CORP             COM                  806605101 185     5000     SH        DEFINED            5000    0       0
SCHLUMBERGER LTD                 COM                  806857109 1189    15550    SH        SOLE               15550   0       0
SCHLUMBERGER LTD                 COM                  806857108 294     3850     SH        DEFINED            1650    0       2200
SCHWAB CHARLES CORP NEW          COM                  808513105 2       50       SH        DEFINED            0       0       50
SCIENTIFIC ATLANTA INC           COM                  808655104 50      800      SH        SOLE               800     0       0
SCOTTISH PWR PLC                 SPON ADR FINAL       81013T705 33      1054     SH        SOLE               1054    0       0
SCOTTISH PWR PLC                 SPON ADR FINAL       81013T705 13      422      SH        DEFINED            422     0       0
SEARS ROEBUCK & CO               COM                  812387108 15      500      SH        SOLE               500     0       0
SEMPRA ENERGY                    COM                  816851109 33      2000     SH        SOLE               2000    0       0
SEMPRA ENERGY                    COM                  816851109 5       300      SH        DEFINED            300     0       0
SEPRACOR INC                     COM                  817315104 145     2000     SH        DEFINED            2000    0       0
SHERWIN WILLIAMS CO              COM                  824348106 3       136      SH        DEFINED            136     0       0
SIERRA PAC RES NEW               COM                  826428104 9       794      SH        SOLE               794     0       0
SIGCORP INC                      COM                  826912107 10      399      SH        DEFINED            399     0       0
SMITH INTL INC                   COM                  832110100 19      250      SH        SOLE               250     0       0
SMITHKLINE BEECHAM PLC           ADR REP ORD          832378301 6       100      SH        SOLE               100     0       0
SMITHKLINE BEECHAM PLC           ADR REP ORD          832378301 181     2742     SH        DEFINED            0       300     2442
SOLECTRON CORP                   COM                  834182107 320     8000     SH        DEFINED            8000    0       0
SOLUTIA INC                      COM                  834376105 16      1260     SH        SOLE               1000    0       260
SOLUTIA INC                      COM                  834376105 12      925      SH        DEFINED            825     100     0
SOUTHERN CO                      COM                  842587107 28      1296     SH        SOLE               1296    0       0
SPRINT CORP                      COM FON GROUP        852061100 246     3900     SH        SOLE               3900    0       0
SPRINT CORP                      PCS COM SER 1        852061506 68      1050     SH        SOLE               1050    0       0
SPRINT CORP                      COM FON GROUP        852061100 306     4840     SH        DEFINED            3820    620     400
SPRINT CORP                      PCS COM SER 1        852061506 158     2420     SH        DEFINED            1910    310     200
SPX CORP                         COM                  784635104 31      278      SH        SOLE               278     0       0
ST JUDE MED INC                  COM                  790849103 2       98       SH        SOLE               98      0       0
STAPLES INC                      COM                  855030102 127     6350     SH        DEFINED            6350    0       0
STONE & WEBSTER INC              COM                  861572105 2       200      SH        DEFINED            0       200     0
SUMMIT TECHNOLOGY INC            COM                  86627E101 9       1000     SH        SOLE               1000    0       0
SUN MICROSYSTEMS INC             COM                  866810104 2       30       SH        DEFINED            30      0       0
SUNBEAM CORP                     COM                  867071102 5       1200     SH        SOLE               1200    0       0
SUNGARD DATA SYS INC             COM                  867363103 38      1025     SH        SOLE               1025    0       0
SYMANTEC CORP                    COM                  871503108 21      288      SH        SOLE               288     0       0
SYSCO CORP                       COM                  871829107 3       100      SH        SOLE               100     0       0
TARGET CORP                      COM                  87612E106 1936    25900    SH        SOLE               25700   200     0
TARGET CORP                      COM                  87612E106 171     2300     SH        DEFINED            1350    850     100
TECO ENERGY INC                  COM                  872375100 32      1696     SH        SOLE               1696    0       0
TECO ENERGY INC                  COM                  872375100 9       500      SH        DEFINED            500     0       0
TELE CELULAR SUL PART S A        SPON ADR PFD         879238103 7       150      SH        DEFINED            0       150     0
TELE CENTRO OESTE CELULAR        SPON ADR PFD         87923P105 5       500      SH        DEFINED            0       500     0
TELE CENTRO SUL PART S A         SPON ADR PFD         879239101 24      300      SH        DEFINED            0       300     0
TELE DANMARK A/S                 SPON ADR CL B        879242105 23      500      SH        DEFINED            0       500     0
TELE NORDESTE CELULAR PART       SPON ADR PFD         87924W109 5       75       SH        DEFINED            0       75      0
TELE NORTE CELULAR PART S A      SPON ADR PFD         87924Y105 1       30       SH        DEFINED            0       30      0
TELE NORTE LESTE PART S A        SPON ADR PFD         879246106 39      1500     SH        DEFINED            0       1500    0
TELE SUDESTE CELULAR PART S      SPON ADR PFD         879252104 14      300      SH        DEFINED            0       300     0
TELECOMUNICACOES DE SAO PAUL     SPON ADR PFD         87929A102 44      1500     SH        DEFINED            0       1500    0
TELEDYNE TECHNOLOGIES INC        COM                  879360105 0       1        SH        DEFINED            1       0       0
TELEFONICA DEL PERU S A          SPON ADR CL B        879384105 13      800      SH        DEFINED            0       800     0
TELEFONICA S A                   SPONSORED ADR        879382208 335     4510     SH        DEFINED            0       4510    0
TELEFONOS DE MEXICO S A          SPON ADR ORD L       879403780 59      900      SH        DEFINED            400     500     0
TELEMIG CELULAR PART S A         SPON ADR PFD         87944E105 6       75       SH        DEFINED            0       75      0
TELEPHONE & DATA SYS INC         COM                  879433100 61      550      SH        SOLE               0       550     0
TELEPHONE & DATA SYS INC         COM                  879433100 233     2100     SH        DEFINED            1100    0       1000
TELESP CELULAR PART S A          SPON ADR PFD         87952L108 34      600      SH        DEFINED            0       600     0
TELESTE CELULAR PART S A         SPON ADR PFD         87943B102 1       30       SH        DEFINED            0       30      0
TEMPLE INLAND INC                COM                  879868107 53      1080     SH        SOLE               1080    0       0
TEMPLETON DRAGON FD INC          COM                  88018T101 10      1229     SH        DEFINED            1229    0       0
TEMPLETON EMERGING MKTS FD       COM                  880191101 9       865      SH        DEFINED            865     0       0
TENNECO AUTOMOTIVE INC           COM                  880349105 0       30       SH        SOLE               30      0       0
TEXACO INC                       COM                  881694103 1569    29206    SH        SOLE               28806   400     0
TEXACO INC                       COM                  881694103 585     10900    SH        DEFINED            7000    1900    2000
TEXAS INSTRS INC                 COM                  882508104 424     2650     SH        SOLE               2650    0       0
TEXAS INSTRS INC                 COM                  882508104 87      545      SH        DEFINED            545     0       0
TEXAS UTILS CO                   COM                  882848104 2       100      SH        SOLE               100     0       0
TEXAS UTILS CO                   COM                  882848104 17      600      SH        DEFINED            300     0       300
TEXTRON INC                      COM                  883203101 12      200      SH        DEFINED            0       200     0
TIME WARNER INC                  COM                  887315109 926     9268     SH        SOLE               9268    0       0
TIME WARNER INC                  COM                  887315109 40      400      SH        DEFINED            400     0       0
TJX COS INC NEW                  COM                  872540109 246     11100    SH        SOLE               11100   0       0
TJX COS INC NEW                  COM                  872540109 4       200      SH        DEFINED            200     0       0
TRANSCANADA PIPELINES LTD        COM                  893526103 0       31       SH        DEFINED            31      0       0
TRANSOCEAN SEDCO FOREX INC       ORD                  G90078109 18      357      SH        SOLE               357     0       0
TRANSOCEAN SEDCO FOREX INC       ORD                  G90078109 124     2433     SH        DEFINED            2009    0       424
TRICON GLOBAL RESTAURANTS        COM                  895953107 152     4907     SH        SOLE               4907    0       0
TRICON GLOBAL RESTAURANTS        COM                  895953107 41      1327     SH        DEFINED            590     370     367
TRUSTCO BK CORP N Y              COM                  898349105 9       800      SH        DEFINED            800     0       0
TRW INC                          COM                  872649108 23      400      SH        DEFINED            400     0       0
TUBOS DE ACERO DE MEXICO S A     ADR NEW              898592506 16      1000     SH        DEFINED            0       1000    0
TYCO INTL LTD NEW                COM                  902124106 256     5109     SH        SOLE               4717    0       392
TYCO INTL LTD NEW                COM                  902124106 799     15952    SH        DEFINED            14792   1160    0
U S INTERACTIVE INC              COM                  90334M109 1       50       SH        DEFINED            0       50      0
U S WEST INC NEW                 COM                  91273H101 1240    17088    SH        SOLE               16524   205     359
U S WEST INC NEW                 COM                  91273H101 620     8538     SH        DEFINED            5939    672     1927
UNILEVER N V                     N Y SHS NEW          904784709 17      357      SH        DEFINED            0       357     0
UNILEVER PLC ADR NEW             COM                  904767704 78      3000     SH        SOLE               3000    0       0
UNION CARBIDE CORP               COM                  905581104 8       150      SH        SOLE               150     0       0
UNION CARBIDE CORP               COM                  905581104 46      796      SH        DEFINED            796     0       0
UNION PAC CORP                   COM                  907818108 94      2424     SH        SOLE               2174    0       250
UNION PAC CORP                   COM                  907818108 161     4132     SH        DEFINED            3700    0       432
UNION PAC RES GROUP INC          COM                  907834105 18      1296     SH        SOLE               1212    0       84
UNION PAC RES GROUP INC          COM                  907834105 45      3158     SH        DEFINED            2793    0       365
UNISYS CORP                      COM                  909214108 2       100      SH        DEFINED            100     0       0
UNITED PARCEL SERVICE INC        CL B                 911312106 6       100      SH        DEFINED            100     0       0
UNITED TECHNOLOGIES CORP         COM                  913017109 857     13582    SH        SOLE               13582   0       0
UNITED TECHNOLOGIES CORP         COM                  913017109 202     3200     SH        DEFINED            3200    0       0
UNITED WTR RES INC               COM                  913190104 52      1500     SH        DEFINED            1500    0       0
UNITRIN INC                      COM                  913275103 6       172      SH        SOLE               172     0       0
UNITRIN INC                      COM                  913275103 0       10       SH        DEFINED            10      0       0
UNOCAL CORP                      COM                  915289102 1       46       SH        DEFINED            46      0       0
UST INC                          COM                  902911106 12      800      SH        DEFINED            300     0       500
VALSPAR CORP                     COM                  920355104 7       200      SH        DEFINED            200     0       0
VODAFONE AIRTOUCH PLC            SPONSORED ADR        92857T107 292     5270     SH        SOLE               4020    0       1250
VODAFONE AIRTOUCH PLC            SPONSORED ADR        92857T107 143     2585     SH        DEFINED            640     475     1470
WACKENHUT CORP                   COM SER A            929794105 18      1300     SH        DEFINED            0       1300    0
WAL MART STORES INC              COM                  931142103 746     13206    SH        SOLE               10706   0       2500
WAL MART STORES INC              COM                  931142103 883     15645    SH        DEFINED            9725    120     5800
WALGREEN CO                      COM                  931422109 5       200      SH        SOLE               200     0       0
WALGREEN CO                      COM                  931422109 56      2200     SH        DEFINED            2200    0       0
WARNER LAMBERT CO                COM                  934488107 1716    17570    SH        SOLE               17570   0       0
WARNER LAMBERT CO                COM                  934488107 656     6725     SH        DEFINED            5832    893     0
WASHINGTON GAS LT CO             COM                  938837101 32      1200     SH        SOLE               1200    0       0
WASHINGTON GAS LT CO             COM                  938837101 18      675      SH        DEFINED            675     0       0
WASTE MGMT INC DEL               COM                  94106L109 3       290      SH        SOLE               290     0       0
WASTE MGMT INC DEL               COM                  94106L109 0       72       SH        DEFINED            72      0       0
WELLS FARGO & CO NEW             COM                  949746101 63      1550     SH        SOLE               1550    0       0
WELLS FARGO & CO NEW             COM                  949746101 8       200      SH        DEFINED            0       200     0
WESTERN RES INC                  COM                  959425109 6       400      SH        DEFINED            400     0       0
WEYERHAEUSER CO                  COM                  962166104 6       112      SH        SOLE               112     0       0
WINN DIXIE STORES INC            COM                  974280109 14      760      SH        DEFINED            760     0       0
WISCONSIN ENERGY CORP            COM                  976657106 5       300      SH        DEFINED            300     0       0
WPS RESOURCES CORP               COM                  92931B106 21      812      SH        SOLE               812     0       0
WRIGLEY WM JR CO                 COM                  982526105 107     1400     SH        DEFINED            0       0       1400
XEROX CORP                       COM                  984121103 242     9344     SH        SOLE               9344    0       0
XEROX CORP                       COM                  984121103 93      3600     SH        DEFINED            2400    0       1200
XL CAP LTD                       CL A                 G98255105 8       156      SH        SOLE               156     0       0
X-RITE INC                       COM                  983857103 16      1600     SH        SOLE               0       0       1600
ZEBRA TECHNOLOGIES CORP          CL A                 989207105 100     2000     SH        DEFINED            2000    0       0
</TABLE>


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