UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/2005
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 Provost
Title: Trust Officer
Phone: 518-377-3311
Signature, Place, and Date of Signing:
01/06/2006
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 667 27231 SH DEFINED 27208
23
00206R102 200 8184 SH DEF/OTH 4109
4075
ABBOTT COMMON STOCK 002824100 2005 50852 SH DEFINED 48152
500
2200
LABORATORIES
002824100 356 9026 SH DEF/OTH 5226
2800
1000
AIR PRODUCTS & COMMON STOCK 009158106 1014 17128 SH DEFINED 17128
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 859 29050 SH DEFINED 28750
200
100
013817101 71 2400 SH DEF/OTH 1700
700
ALLSTATE CORP COMMON STOCK 020002101 1100 20350 SH DEFINED 20350
020002101 82 1508 SH DEF/OTH 570
838
100
ALTRIA GROUP INC COMMON STOCK 02209S103 65 870 SH DEFINED 870
02209S103 3250 43500 SH DEF/OTH 38000
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1563 30365 SH DEFINED 28665
200
1500
CO
025816109 221 4300 SH DEF/OTH 3000
1300
COLUMN TOTALS 11453
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
AMERIPRISE COMMON STOCK 03076C106 246 5993 SH DEFINED 5653
40
300
FINANCIAL INC
03076C106 35 860 SH DEF/OTH 600
260
AMGEN INC COMMON STOCK 031162100 889 11275 SH DEFINED 10975
200
100
031162100 213 2700 SH DEF/OTH 1800
600
300
ANHEUSER BUSCH COMMON STOCK 035229103 682 15871 SH DEFINED 15871
COS INC
035229103 137 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 386 21500 SH DEFINED 18300
3200
MATERIALS INC
038222105 72 4000 SH DEF/OTH 4000
ARGONAUT GROUP COMMON STOCK 040157109 1761 53747 SH DEFINED 53747
INC
BP PLC FOREIGN STOCK 055622104 3009 46862 SH DEFINED 43762
3100
055622104 843 13133 SH DEF/OTH 9329
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 246 4050 SH DEFINED 4050
057224107 24 400 SH DEF/OTH 100
300
COLUMN TOTALS 8543
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FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
BANK OF AMERICA COMMON STOCK 060505104 1989 43109 SH DEFINED 43009
100
CORP
060505104 326 7054 SH DEF/OTH 2800
3654
600
BANK OF NEW YORK COMMON STOCK 064057102 618 19400 SH DEFINED 19400
INC
BELLSOUTH CORP COMMON STOCK 079860102 991 36552 SH DEFINED 36552
079860102 295 10885 SH DEF/OTH 6000
3945
940
BRISTOL-MYERS COMMON STOCK 110122108 693 30165 SH DEFINED 24865
4800
500
SQUIBB CO
110122108 356 15500 SH DEF/OTH 5200
10000
300
CHEVRON CORP NEW COMMON STOCK 166764100 2389 42079 SH DEFINED 38379
1300
2400
166764100 164 2887 SH DEF/OTH 400
1687
800
CISCO SYSTEMS INC COMMON STOCK 17275R102 1712 99985 SH DEFINED 98785
600
600
17275R102 205 12000 SH DEF/OTH 10300
1200
500
COLUMN TOTALS 9738
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 3482 71741 SH DEFINED 71441
300
172967101 325 6700 SH DEF/OTH 3500
2600
600
COCA COLA CO COMMON STOCK 191216100 3281 81402 SH DEFINED 81302
100
191216100 540 13400 SH DEF/OTH 9200
4200
COLGATE COMMON STOCK 194162103 1874 34161 SH DEFINED 33561
600
PALMOLIVE CO
194162103 225 4100 SH DEF/OTH 200
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 1757 32176 SH DEFINED 32176
CORP
DELL INC COMMON STOCK 24702R101 515 17200 SH DEFINED 17100
100
24702R101 90 3000 SH DEF/OTH 2200
500
300
DISNEY WALT CO COMMON STOCK 254687106 1536 64083 SH DEFINED 58383
3300
2400
254687106 254 10600 SH DEF/OTH 7500
3000
100
DOW CHEMICAL CO COMMON STOCK 260543103 462 10550 SH DEFINED 10450
100
COLUMN TOTALS 14341
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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
260543103 128 2925 SH DEF/OTH 1825
1100
DU PONT E I DE COMMON STOCK 263534109 1085 25536 SH DEFINED 21750
1886
1900
NEMOURS & CO
263534109 183 4310 SH DEF/OTH 1560
2450
300
ECOLAB INC COMMON STOCK 278865100 323 8900 SH DEFINED 7900
1000
278865100 15 400 SH DEF/OTH 400
EMERSON ELECTRIC COMMON STOCK 291011104 351 4700 SH DEFINED 4600
100
CO
291011104 232 3100 SH DEF/OTH 500
2600
EXCELSIOR TAX MUTUAL 300861408 180 20898 SH DEFINED 20898
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 571 10750 SH DEFINED 10750
30161N101 53 1000 SH DEF/OTH 500
500
EXXON MOBIL CORP COMMON STOCK 30231G102 9886 175997 SH DEFINED 152641
19192
4164
30231G102 2232 39737 SH DEF/OTH 21256
14925
3556
COLUMN TOTALS 15239
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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
FPL GROUP INC COMMON STOCK 302571104 541 13018 SH DEFINED 13018
FEDERAL NATIONAL COMMON STOCK 313586109 234 4800 SH DEFINED 4800
MORTGAGE ASSN
FIDELITY MUTUAL 315902205 696 58547 SH DEFINED 58547
MASSACHUSETTS FUNDS/MUNI
MUNICIPAL BONDS
FIFTH THIRD COMMON STOCK 316773100 271 7187 SH DEFINED 7187
BANCORP
316773100 72 1900 SH DEF/OTH 600
500
800
FORTUNE BRANDS COMMON STOCK 349631101 218 2800 SH DEFINED 2800
INC
349631101 39 500 SH DEF/OTH 400
100
FRANKLIN N Y TAX MUTUAL 354130106 45 3782 SH DEFINED 3782
FREE INCOME FUNDS/MUNI
BONDS
354130106 145 12191 SH DEF/OTH 12191
GENERAL ELECTRIC COMMON STOCK 369604103 31658 903210 SH DEFINED 853161
39389
10660
CO
369604103 10852 309610 SH DEF/OTH 226597
69013
14000
GENERAL MILLS INC COMMON STOCK 370334104 465 9420 SH DEFINED 9420
370334104 187 3800 SH DEF/OTH 3700
100
COLUMN TOTALS 45423
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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
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 338 6700 SH DEFINED 6600
100
PLC
37733W105 183 3627 SH DEF/OTH 2627
1000
HEWLETT PACKARD COMMON STOCK 428236103 365 12747 SH DEFINED 12747
CO
428236103 74 2600 SH DEF/OTH 2600
HOME DEPOT INC COMMON STOCK 437076102 1122 27725 SH DEFINED 26225
200
1300
437076102 60 1475 SH DEF/OTH 475
600
400
INTEL CORP COMMON STOCK 458140100 3970 159062 SH DEFINED 156262
200
2600
458140100 438 17550 SH DEF/OTH 14550
2500
500
INTERNATIONAL COMMON STOCK 459200101 3395 41302 SH DEFINED 40102
1200
BUSINESS MACHINES
459200101 302 3675 SH DEF/OTH 175
3500
JPMORGAN CHASE & COMMON STOCK 46625H100 1679 42296 SH DEFINED 41668
364
264
CO
46625H100 358 9032 SH DEF/OTH 5366
3666
COLUMN TOTALS 12284
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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
JACOBS COMMON STOCK 469814107 360 5300 SH DEFINED 5200
100
ENGINEERING
GROUP INC
469814107 14 200 SH DEF/OTH 200
JOHNSON & JOHNSON COMMON STOCK 478160104 6206 103255 SH DEFINED 100055
3200
478160104 657 10925 SH DEF/OTH 6475
3200
1250
JOHNSON CONTROLS COMMON STOCK 478366107 1307 17925 SH DEFINED 17925
INC
478366107 102 1400 SH DEF/OTH 300
1000
100
KEYCORP COMMON STOCK 493267108 2199 66774 SH DEFINED 66774
KIMBERLY CLARK COMMON STOCK 494368103 227 3800 SH DEFINED 3800
CORP
494368103 6 100 SH DEF/OTH 100
LINCOLN NATIONAL COMMON STOCK 534187109 322 6064 SH DEFINED 6064
CORP IN
534187109 164 3100 SH DEF/OTH 3100
LOWES COS INC COMMON STOCK 548661107 730 10950 SH DEFINED 10950
548661107 218 3275 SH DEF/OTH 2375
700
200
MASCO CORP COMMON STOCK 574599106 395 13100 SH DEFINED 13000
100
COLUMN TOTALS 12907
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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
574599106 94 3100 SH DEF/OTH 1300
1600
200
MCDONALDS CORP COMMON STOCK 580135101 250 7400 SH DEFINED 7400
580135101 101 3000 SH DEF/OTH 3000
MCGRAW HILL COS COMMON STOCK 580645109 1379 26700 SH DEFINED 26700
INC
580645109 155 3000 SH DEF/OTH 2000
600
400
MEDTRONIC INC COMMON STOCK 585055106 3545 61576 SH DEFINED 57076
700
3800
585055106 288 5000 SH DEF/OTH 4400
300
300
MICROSOFT CORP COMMON STOCK 594918104 5269 201504 SH DEFINED 190004
900
10600
594918104 646 24700 SH DEF/OTH 20900
2900
900
MOTOROLA INC COMMON STOCK 620076109 485 21450 SH DEFINED 20650
200
600
620076109 156 6900 SH DEF/OTH 6300
600
NBT BANCORP INC COMMON STOCK 628778102 591 27358 SH DEFINED 672
26686
COLUMN TOTALS 12959
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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
NASDAQ 100 TRUST MUTUAL 631100104 3 80 SH DEFINED 80
FUND/STOCK
631100104 1111 27500 SH DEF/OTH 22000
5500
PEPSICO INC COMMON STOCK 713448108 4416 74750 SH DEFINED 72400
1250
1100
713448108 419 7100 SH DEF/OTH 2300
4500
300
PFIZER INC COMMON STOCK 717081103 686 29438 SH DEFINED 26338
1000
2100
717081103 262 11226 SH DEF/OTH 4466
6760
PROCTER & GAMBLE COMMON STOCK 742718109 5883 101643 SH DEFINED 97553
890
3200
CO
742718109 1219 21053 SH DEF/OTH 9450
10308
1295
PUTNAM NEW YORK MUTUAL 74683Q309 21 2465 SH DEFINED 2465
TAX EXEMPT FUNDS/MUNI
BONDS
74683Q309 120 13907 SH DEF/OTH 13907
ROCHESTER FUND MUTUAL 771362100 232 12715 SH DEFINED 12715
MUNICIPALS INC FUNDS/MUNI
BONDS
771362100 155 8490 SH DEF/OTH 5610
2880
COLUMN TOTALS 14527
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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
SARA LEE CORP COMMON STOCK 803111103 251 13300 SH DEFINED 10900
400
2000
803111103 30 1600 SH DEF/OTH 1200
400
SCHERING PLOUGH COMMON STOCK 806605101 375 18000 SH DEFINED 13700
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 606 6242 SH DEFINED 6042
200
806857108 301 3100 SH DEF/OTH 3100
SOUTHERN CO COMMON STOCK 842587107 2704 78308 SH DEFINED 78008
300
842587107 221 6400 SH DEF/OTH 2400
3200
800
STATE STREET CORP COMMON STOCK 857477103 200 3600 SH DEFINED 3600
857477103 17 300 SH DEF/OTH 100
200
TARGET CORP COMMON STOCK 87612E106 1377 25050 SH DEFINED 24150
200
700
87612E106 192 3500 SH DEF/OTH 2300
1100
100
TEXAS COMMON STOCK 882508104 393 12250 SH DEFINED 12250
INSTRUMENTS INC
882508104 10 300 SH DEF/OTH 300
COLUMN TOTALS 6677
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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
3M CO COMMON STOCK 88579Y101 2348 30300 SH DEFINED 30300
88579Y101 731 9430 SH DEF/OTH 2600
6650
180
TRUSTCO BANK COMMON STOCK 898349105 26916 2167187 SH DEFINED 885917
5597
1275673
CORP NY
898349105 8381 674815 SH DEF/OTH 605178
35337
34300
UNITED PARCEL COMMON STOCK 911312106 535 7125 SH DEFINED 7125
SERVICE
911312106 86 1150 SH DEF/OTH 1000
100
50
UNITED COMMON STOCK 913017109 3789 67770 SH DEFINED 62570
400
4800
TECHNOLOGIES CORP
913017109 403 7200 SH DEF/OTH 5200
1400
600
UNITRIN INC COMMON STOCK 913275103 10162 225568 SH DEFINED 225568
VANGUARD MUTUAL 922021308 186 16939 SH DEFINED 16939
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 172 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
VANGUARD NEW MUTUAL 92204H301 1420 125910 SH DEFINED 125910
COLUMN TOTALS 55129
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
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 227 20138 SH DEF/OTH 18801
1337
VERIZON COMMON STOCK 92343V104 1246 41378 SH DEFINED 40978
200
200
COMMUNICATIONS
INC
92343V104 339 11242 SH DEF/OTH 5468
5574
200
WAL-MART STORES COMMON STOCK 931142103 1794 38325 SH DEFINED 37325
1000
INC
931142103 187 4000 SH DEF/OTH 3600
200
200
WASHINGTON COMMON STOCK 939322103 631 14500 SH DEFINED 14500
MUTUAL INC
939322103 74 1700 SH DEF/OTH 400
1200
100
WELLS FARGO & CO COMMON STOCK 949746101 1871 29775 SH DEFINED 29375
400
NEW
949746101 342 5450 SH DEF/OTH 3200
1750
500
WYETH COMMON STOCK 983024100 528 11466 SH DEFINED 11466
983024100 141 3065 SH DEF/OTH 1665
1400
COLUMN TOTALS 7380
Page 13
FORM 13F INFORMATION TABLE
VALUE SHS INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE
SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL
AGGREGATE TOTAL 226600
Page 14
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 160
Form 13F Information Table Value Total: $ 226,600
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment Managers with respect to which this report is filed,
other than the Manager filing this report.
NONE
Page 15