UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 06/30/2006
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:
07/18/2006
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F COMBINATION REPORT
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 727 26077 SH DEFINED 26054
23
00206R102 337 12073 SH DEF/OTH 7998
4075
ABBOTT COMMON STOCK 002824100 2015 46202 SH DEFINED 43502
500
2200
LABORATORIES
002824100 420 9626 SH DEF/OTH 5826
2800
1000
AIR PRODUCTS & COMMON STOCK 009158106 795 12440 SH DEFINED 12440
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 743 22950 SH DEFINED 22650
200
100
013817101 61 1900 SH DEF/OTH 1600
300
ALLSTATE CORP COMMON STOCK 020002101 1250 22842 SH DEFINED 22842
020002101 104 1908 SH DEF/OTH 970
838
100
ALTRIA GROUP INC COMMON STOCK 02209S103 64 870 SH DEFINED 870
02209S103 3194 43500 SH DEF/OTH 38000
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1603 30115 SH DEFINED 28415
200
1500
CO
025816109 587 11034 SH DEF/OTH 9734
1300
COLUMN TOTALS 11900
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
AMGEN INC COMMON STOCK 031162100 752 11532 SH DEFINED 11282
150
100
031162100 176 2700 SH DEF/OTH 1800
600
300
ANHEUSER BUSCH COMMON STOCK 035229103 692 15171 SH DEFINED 15171
COS INC
035229103 146 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 357 21900 SH DEFINED 18700
3200
MATERIALS INC
038222105 68 4200 SH DEF/OTH 4000
200
ARGONAUT GROUP COMMON STOCK 040157109 1615 53747 SH DEFINED 53747
INC
AUTOMATIC DATA COMMON STOCK 053015103 697 15375 SH DEFINED 13875
1500
PROCESSING INC
053015103 54 1200 SH DEF/OTH 400
700
100
BP PLC FOREIGN STOCK 055622104 2976 42748 SH DEFINED 39648
3100
055622104 879 12633 SH DEF/OTH 8829
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 229 2800 SH DEFINED 2800
COLUMN TOTALS 8641
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
057224107 33 400 SH DEF/OTH 100
300
BANK OF AMERICA COMMON STOCK 060505104 1938 40299 SH DEFINED 39999
300
CORP
060505104 1165 24229 SH DEF/OTH 19975
3654
600
BANK OF NEW YORK COMMON STOCK 064057102 625 19400 SH DEFINED 19400
INC
BELLSOUTH CORP COMMON STOCK 079860102 980 27066 SH DEFINED 27066
079860102 435 12025 SH DEF/OTH 7880
3945
200
BRISTOL-MYERS COMMON STOCK 110122108 635 24565 SH DEFINED 19265
4800
500
SQUIBB CO
110122108 393 15200 SH DEF/OTH 5200
10000
CHEVRON CORP NEW COMMON STOCK 166764100 2626 42319 SH DEFINED 38619
1300
2400
166764100 866 13947 SH DEF/OTH 11460
1687
800
CISCO SYSTEMS INC COMMON STOCK 17275R102 1835 93935 SH DEFINED 92735
600
600
17275R102 234 12000 SH DEF/OTH 10300
1200
500
COLUMN TOTALS 11765
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
CITIGROUP INC COMMON STOCK 172967101 3081 63855 SH DEFINED 63555
300
172967101 357 7400 SH DEF/OTH 4100
2700
600
COCA COLA CO COMMON STOCK 191216100 2907 67567 SH DEFINED 67467
100
191216100 576 13400 SH DEF/OTH 9200
4200
COLGATE COMMON STOCK 194162103 2022 33761 SH DEFINED 33161
600
PALMOLIVE CO
194162103 252 4200 SH DEF/OTH 300
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 1987 64352 SH DEFINED 64352
CORP
DELL INC COMMON STOCK 24702R101 396 16200 SH DEFINED 16100
100
24702R101 91 3700 SH DEF/OTH 2800
600
300
DISNEY WALT CO COMMON STOCK 254687106 1874 62483 SH DEFINED 56783
3300
2400
254687106 318 10600 SH DEF/OTH 7500
3000
100
DOMINION COMMON STOCK 25746U109 41 543 SH DEFINED 543
RESOURCES INC VA
NEW
COLUMN TOTALS 13902
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
25746U109 240 3209 SH DEF/OTH 3088
121
DOW CHEMICAL CO COMMON STOCK 260543103 338 8650 SH DEFINED 8550
100
260543103 138 3525 SH DEF/OTH 2425
1100
DU PONT E I DE COMMON STOCK 263534109 923 22176 SH DEFINED 18590
1686
1900
NEMOURS & CO
263534109 179 4310 SH DEF/OTH 1560
2450
300
ECOLAB INC COMMON STOCK 278865100 361 8900 SH DEFINED 7900
1000
278865100 16 400 SH DEF/OTH 400
EMERSON ELECTRIC COMMON STOCK 291011104 318 3800 SH DEFINED 3700
100
CO
291011104 268 3200 SH DEF/OTH 500
2700
EXCELSIOR TAX MUTUAL 300861408 164 19443 SH DEFINED 19443
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 600 10550 SH DEFINED 10550
30161N101 124 2190 SH DEF/OTH 1690
500
EXXON MOBIL CORP COMMON STOCK 30231G102 10338 168502 SH DEFINED 148590
15748
4164
COLUMN TOTALS 14007
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
30231G102 2364 38537 SH DEF/OTH 20256
14925
3356
FPL GROUP INC COMMON STOCK 302571104 526 12718 SH DEFINED 12718
FORTUNE BRANDS COMMON STOCK 349631101 675 9500 SH DEFINED 9300
200
INC
349631101 249 3500 SH DEF/OTH 2900
500
100
FRANKLIN N Y TAX MUTUAL 354130106 44 3782 SH DEFINED 3782
FREE INCOME FUNDS/MUNI
BONDS
354130106 142 12191 SH DEF/OTH 12191
GENERAL ELECTRIC COMMON STOCK 369604103 28012 849882 SH DEFINED 801133
38089
10660
CO
369604103 10093 306210 SH DEF/OTH 223797
68413
14000
GENERAL MILLS INC COMMON STOCK 370334104 337 6533 SH DEFINED 6533
370334104 222 4300 SH DEF/OTH 4100
200
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 385 6900 SH DEFINED 6800
100
PLC
37733W105 241 4327 SH DEF/OTH 3227
1100
COLUMN TOTALS 43290
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
HEWLETT PACKARD COMMON STOCK 428236103 404 12747 SH DEFINED 12747
CO
428236103 82 2600 SH DEF/OTH 2600
HOME DEPOT INC COMMON STOCK 437076102 1038 29012 SH DEFINED 27312
400
1300
437076102 60 1675 SH DEF/OTH 675
600
400
INTEL CORP COMMON STOCK 458140100 2530 133162 SH DEFINED 130362
200
2600
458140100 354 18650 SH DEF/OTH 15650
2500
500
INTERNATIONAL COMMON STOCK 459200101 3081 40102 SH DEFINED 39102
1000
BUSINESS MACHINES
459200101 277 3600 SH DEF/OTH 100
3500
JPMORGAN CHASE & COMMON STOCK 46625H100 1489 35443 SH DEFINED 34815
364
264
CO
46625H100 581 13836 SH DEF/OTH 10070
3766
JOHNSON & JOHNSON COMMON STOCK 478160104 6093 101687 SH DEFINED 98487
3200
478160104 655 10925 SH DEF/OTH 6475
3200
1250
COLUMN TOTALS 16644
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
JOHNSON CONTROLS COMMON STOCK 478366107 469 5700 SH DEFINED 5700
INC
478366107 111 1350 SH DEF/OTH 300
1000
50
KEYCORP COMMON STOCK 493267108 2414 67661 SH DEFINED 67661
LILLY ELI & CO COMMON STOCK 532457108 702 12700 SH DEFINED 12500
200
532457108 39 700 SH DEF/OTH 400
300
LINCOLN NATIONAL COMMON STOCK 534187109 345 6114 SH DEFINED 6114
CORP IN
534187109 175 3100 SH DEF/OTH 3100
LOWES COS INC COMMON STOCK 548661107 652 10750 SH DEFINED 10750
548661107 199 3275 SH DEF/OTH 2375
700
200
MASCO CORP COMMON STOCK 574599106 371 12500 SH DEFINED 12400
100
574599106 89 3000 SH DEF/OTH 1900
900
200
MCGRAW HILL COS COMMON STOCK 580645109 522 10400 SH DEFINED 10400
INC
580645109 151 3000 SH DEF/OTH 2000
600
400
MEDTRONIC INC COMMON STOCK 585055106 2748 58576 SH DEFINED 54076
700
3800
COLUMN TOTALS 8987
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
585055106 235 5000 SH DEF/OTH 4400
300
300
MICROSOFT CORP COMMON STOCK 594918104 4630 198724 SH DEFINED 187224
900
10600
594918104 638 27400 SH DEF/OTH 23500
3000
900
MOTOROLA INC COMMON STOCK 620076109 423 20995 SH DEFINED 20195
200
600
620076109 139 6900 SH DEF/OTH 6300
600
NBT BANCORP INC COMMON STOCK 628778102 561 24158 SH DEFINED 672
23486
NASDAQ 100 TRUST MUTUAL 631100104 1066 27500 SH DEF/OTH 22000
5500
FUND/STOCK
PEPSICO INC COMMON STOCK 713448108 4320 71960 SH DEFINED 69610
1250
1100
713448108 426 7100 SH DEF/OTH 2300
4500
300
PFIZER INC COMMON STOCK 717081103 583 24850 SH DEFINED 21950
800
2100
717081103 263 11226 SH DEF/OTH 4466
6760
COLUMN TOTALS 13284
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
PROCTER & GAMBLE COMMON STOCK 742718109 5550 99813 SH DEFINED 95723
890
3200
CO
742718109 1209 21753 SH DEF/OTH 10050
10308
1395
ROCHESTER FUND MUTUAL 771362100 228 12559 SH DEFINED 12559
MUNICIPALS INC FUNDS/MUNI
BONDS
771362100 154 8490 SH DEF/OTH 5610
2880
SCHERING PLOUGH COMMON STOCK 806605101 343 18000 SH DEFINED 13700
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 420 6450 SH DEFINED 6050
400
806857108 404 6200 SH DEF/OTH 6200
SOUTHERN CO COMMON STOCK 842587107 2511 78358 SH DEFINED 78058
300
842587107 228 7100 SH DEF/OTH 3000
3300
800
TARGET CORP COMMON STOCK 87612E106 1214 24850 SH DEFINED 23950
200
700
87612E106 186 3800 SH DEF/OTH 2600
1100
100
TEXAS COMMON STOCK 882508104 374 12350 SH DEFINED 12350
INSTRUMENTS INC
COLUMN TOTALS 12821
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
882508104 9 300 SH DEF/OTH 300
3M CO COMMON STOCK 88579Y101 1555 19250 SH DEFINED 19250
88579Y101 762 9430 SH DEF/OTH 2600
6650
180
TRUSTCO BANK COMMON STOCK 898349105 10962 994741 SH DEFINED 731595
91519
171627
CORP NY
898349105 7600 689653 SH DEF/OTH 618049
37304
34300
UNITED PARCEL COMMON STOCK 911312106 595 7225 SH DEFINED 7225
SERVICE
911312106 95 1150 SH DEF/OTH 1000
100
50
UNITED COMMON STOCK 913017109 3591 56620 SH DEFINED 51420
400
4800
TECHNOLOGIES CORP
913017109 495 7800 SH DEF/OTH 5800
1400
600
UNITRIN INC COMMON STOCK 913275103 9833 225568 SH DEFINED 225568
VANGUARD MUTUAL 922021308 183 16939 SH DEFINED 16939
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 168 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
COLUMN TOTALS 35848
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
VANGUARD NEW MUTUAL 92204H301 2036 185451 SH DEFINED 185451
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 338 30786 SH DEF/OTH 29449
1337
VERIZON COMMON STOCK 92343V104 1249 37286 SH DEFINED 36886
200
200
COMMUNICATIONS
INC
92343V104 432 12904 SH DEF/OTH 7130
5574
200
WAL-MART STORES COMMON STOCK 931142103 1687 35025 SH DEFINED 34025
1000
INC
931142103 193 4000 SH DEF/OTH 3600
200
200
WASHINGTON COMMON STOCK 939322103 497 10900 SH DEFINED 10900
MUTUAL INC
939322103 73 1600 SH DEF/OTH 400
1200
WELLS FARGO & CO COMMON STOCK 949746101 1867 27825 SH DEFINED 27425
400
NEW
949746101 379 5650 SH DEF/OTH 3400
1750
500
WYETH COMMON STOCK 983024100 435 9800 SH DEFINED 9800
983024100 136 3065 SH DEF/OTH 1665
1400
COLUMN TOTALS 9322
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
AGGREGATE TOTAL 200411
Page 13
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 147
Form 13F Information Table Value Total: $ 200,411
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 14