UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 03/31/2006
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 Provost
Title: Trust Officer
Phone: (518) 381-3699
Signature, Place, and Date of Signing:
04/06/2006
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 733 27107 SH DEFINED 27084
23
00206R102 329 12181 SH DEF/OTH 8106
4075
ABBOTT COMMON STOCK 002824100 2107 49602 SH DEFINED 46902
500
2200
LABORATORIES
002824100 392 9226 SH DEF/OTH 5426
2800
1000
AIR PRODUCTS & COMMON STOCK 009158106 890 13240 SH DEFINED 13240
CHEMICALS INC
ALCOA INC COMMON STOCK 013817101 711 23250 SH DEFINED 22950
200
100
013817101 58 1900 SH DEF/OTH 1600
300
ALLSTATE CORP COMMON STOCK 020002101 1065 20442 SH DEFINED 20442
020002101 79 1508 SH DEF/OTH 570
838
100
ALTRIA GROUP INC COMMON STOCK 02209S103 62 870 SH DEFINED 870
02209S103 3082 43500 SH DEF/OTH 38000
5500
AMERICAN EXPRESS COMMON STOCK 025816109 1580 30065 SH DEFINED 28365
200
1500
CO
025816109 580 11034 SH DEF/OTH 9734
1300
COLUMN TOTALS 11668
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 813 11175 SH DEFINED 10975
100
100
031162100 196 2700 SH DEF/OTH 1800
600
300
ANHEUSER BUSCH COMMON STOCK 035229103 675 15771 SH DEFINED 15771
COS INC
035229103 137 3200 SH DEF/OTH 200
3000
APPLIED COMMON STOCK 038222105 383 21900 SH DEFINED 18700
3200
MATERIALS INC
038222105 70 4000 SH DEF/OTH 4000
ARGONAUT GROUP COMMON STOCK 040157109 1911 53747 SH DEFINED 53747
INC
AUTOMATIC DATA COMMON STOCK 053015103 666 14575 SH DEFINED 13075
1500
PROCESSING INC
053015103 55 1200 SH DEF/OTH 400
700
100
BP PLC FOREIGN STOCK 055622104 2993 43412 SH DEFINED 40312
3100
055622104 843 12233 SH DEF/OTH 8429
3704
100
BAKER HUGHES INC COMMON STOCK 057224107 277 4050 SH DEFINED 4050
057224107 27 400 SH DEF/OTH 100
300
COLUMN TOTALS 9046
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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 1796 39441 SH DEFINED 39141
300
CORP
060505104 1085 23829 SH DEF/OTH 19575
3654
600
BANK OF NEW YORK COMMON STOCK 064057102 699 19400 SH DEFINED 19400
INC
BELLSOUTH CORP COMMON STOCK 079860102 1108 31966 SH DEFINED 31966
079860102 424 12225 SH DEF/OTH 7880
3945
400
BRISTOL-MYERS COMMON STOCK 110122108 609 24765 SH DEFINED 19465
4800
500
SQUIBB CO
110122108 374 15200 SH DEF/OTH 5200
10000
CHEVRON CORP NEW COMMON STOCK 166764100 2439 42079 SH DEFINED 38379
1300
2400
166764100 785 13547 SH DEF/OTH 11060
1687
800
CISCO SYSTEMS INC COMMON STOCK 17275R102 2036 93935 SH DEFINED 92735
600
600
17275R102 269 12400 SH DEF/OTH 10700
1200
500
COLUMN TOTALS 11624
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 3020 63941 SH DEFINED 63641
300
172967101 326 6900 SH DEF/OTH 3700
2600
600
COCA COLA CO COMMON STOCK 191216100 3361 80267 SH DEFINED 80167
100
191216100 561 13400 SH DEF/OTH 9200
4200
COLGATE COMMON STOCK 194162103 1951 34161 SH DEFINED 33561
600
PALMOLIVE CO
194162103 240 4200 SH DEF/OTH 300
3400
500
CURTISS WRIGHT COMMON STOCK 231561101 2130 32176 SH DEFINED 32176
CORP
DELL INC COMMON STOCK 24702R101 500 16800 SH DEFINED 16700
100
24702R101 98 3300 SH DEF/OTH 2400
600
300
DISNEY WALT CO COMMON STOCK 254687106 1776 63683 SH DEFINED 57983
3300
2400
254687106 296 10600 SH DEF/OTH 7500
3000
100
DOMINION COMMON STOCK 25746U109 37 543 SH DEFINED 543
RESOURCES INC VA
NEW
COLUMN TOTALS 14296
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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
25746U109 222 3209 SH DEF/OTH 3088
121
DOW CHEMICAL CO COMMON STOCK 260543103 339 8350 SH DEFINED 8250
100
260543103 127 3125 SH DEF/OTH 2025
1100
DU PONT E I DE COMMON STOCK 263534109 1002 23736 SH DEFINED 20150
1686
1900
NEMOURS & CO
263534109 182 4310 SH DEF/OTH 1560
2450
300
ECOLAB INC COMMON STOCK 278865100 340 8900 SH DEFINED 7900
1000
278865100 15 400 SH DEF/OTH 400
EMERSON ELECTRIC COMMON STOCK 291011104 385 4600 SH DEFINED 4500
100
CO
291011104 268 3200 SH DEF/OTH 500
2700
EXCELSIOR TAX MUTUAL 300861408 166 19443 SH DEFINED 19443
EXEMPT FUNDS INC FUNDS/MUNI
BONDS
EXELON CORP COMMON STOCK 30161N101 574 10850 SH DEFINED 10850
30161N101 116 2190 SH DEF/OTH 1690
500
EXXON MOBIL CORP COMMON STOCK 30231G102 10514 172752 SH DEFINED 152340
16248
4164
COLUMN TOTALS 14250
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 2370 38937 SH DEF/OTH 20456
14925
3556
FPL GROUP INC COMMON STOCK 302571104 515 12818 SH DEFINED 12818
FIFTH THIRD COMMON STOCK 316773100 153 3887 SH DEFINED 3887
BANCORP
316773100 47 1200 SH DEF/OTH 400
800
FORTUNE BRANDS COMMON STOCK 349631101 766 9500 SH DEFINED 9300
200
INC
349631101 250 3100 SH DEF/OTH 2500
500
100
FRANKLIN N Y TAX MUTUAL 354130106 45 3782 SH DEFINED 3782
FREE INCOME FUNDS/MUNI
BONDS
354130106 143 12191 SH DEF/OTH 12191
GENERAL ELECTRIC COMMON STOCK 369604103 30769 884668 SH DEFINED 835019
38989
10660
CO
369604103 10657 306410 SH DEF/OTH 223397
69013
14000
GENERAL MILLS INC COMMON STOCK 370334104 472 9320 SH DEFINED 9320
370334104 198 3900 SH DEF/OTH 3700
200
GLAXOSMITHKLINE FOREIGN STOCK 37733W105 361 6900 SH DEFINED 6800
100
COLUMN TOTALS 46746
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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
PLC
37733W105 205 3927 SH DEF/OTH 2827
1100
HEWLETT PACKARD COMMON STOCK 428236103 419 12747 SH DEFINED 12747
CO
428236103 86 2600 SH DEF/OTH 2600
HOME DEPOT INC COMMON STOCK 437076102 1240 29312 SH DEFINED 27612
400
1300
437076102 71 1675 SH DEF/OTH 675
600
400
INTEL CORP COMMON STOCK 458140100 2920 150062 SH DEFINED 147262
200
2600
458140100 347 17850 SH DEF/OTH 14850
2500
500
INTERNATIONAL COMMON STOCK 459200101 3353 40652 SH DEFINED 39652
1000
BUSINESS MACHINES
459200101 297 3600 SH DEF/OTH 100
3500
JPMORGAN CHASE & COMMON STOCK 46625H100 1661 39893 SH DEFINED 39265
364
264
CO
46625H100 559 13436 SH DEF/OTH 9670
3766
JOHNSON & JOHNSON COMMON STOCK 478160104 6060 102325 SH DEFINED 99125
3200
COLUMN TOTALS 17218
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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
478160104 647 10925 SH DEF/OTH 6475
3200
1250
JOHNSON CONTROLS COMMON STOCK 478366107 463 6100 SH DEFINED 6100
INC
478366107 103 1350 SH DEF/OTH 300
1000
50
KEYCORP COMMON STOCK 493267108 2457 66774 SH DEFINED 66774
KIMBERLY CLARK COMMON STOCK 494368103 220 3800 SH DEFINED 3800
CORP
494368103 6 100 SH DEF/OTH 100
LILLY ELI & CO COMMON STOCK 532457108 680 12300 SH DEFINED 12100
200
532457108 39 700 SH DEF/OTH 400
300
LINCOLN NATIONAL COMMON STOCK 534187109 331 6064 SH DEFINED 6064
CORP IN
534187109 169 3100 SH DEF/OTH 3100
LOWES COS INC COMMON STOCK 548661107 693 10750 SH DEFINED 10750
548661107 211 3275 SH DEF/OTH 2375
700
200
MASCO CORP COMMON STOCK 574599106 413 12700 SH DEFINED 12600
100
574599106 84 2600 SH DEF/OTH 1500
900
200
COLUMN TOTALS 6516
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
MCGRAW HILL COS COMMON STOCK 580645109 611 10600 SH DEFINED 10600
INC
580645109 173 3000 SH DEF/OTH 2000
600
400
MEDTRONIC INC COMMON STOCK 585055106 2978 58676 SH DEFINED 54176
700
3800
585055106 254 5000 SH DEF/OTH 4400
300
300
MICROSOFT CORP COMMON STOCK 594918104 5421 199224 SH DEFINED 187724
900
10600
594918104 735 27000 SH DEF/OTH 23100
3000
900
MOTOROLA INC COMMON STOCK 620076109 481 20995 SH DEFINED 20195
200
600
620076109 158 6900 SH DEF/OTH 6300
600
NBT BANCORP INC COMMON STOCK 628778102 636 27358 SH DEFINED 672
26686
NASDAQ 100 TRUST MUTUAL 631100104 1153 27500 SH DEF/OTH 22000
5500
FUND/STOCK
PEPSICO INC COMMON STOCK 713448108 4245 73450 SH DEFINED 71100
1250
1100
COLUMN TOTALS 16845
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
713448108 410 7100 SH DEF/OTH 2300
4500
300
PFIZER INC COMMON STOCK 717081103 637 25558 SH DEFINED 22658
800
2100
717081103 280 11226 SH DEF/OTH 4466
6760
PROCTER & GAMBLE COMMON STOCK 742718109 5795 100563 SH DEFINED 96473
890
3200
CO
742718109 1225 21253 SH DEF/OTH 9650
10308
1295
ROCHESTER FUND MUTUAL 771362100 230 12559 SH DEFINED 12559
MUNICIPALS INC FUNDS/MUNI
BONDS
771362100 156 8490 SH DEF/OTH 5610
2880
SARA LEE CORP COMMON STOCK 803111103 227 12700 SH DEFINED 10700
2000
803111103 29 1600 SH DEF/OTH 1200
400
SCHERING PLOUGH COMMON STOCK 806605101 342 18000 SH DEFINED 13700
4300
CORP
SCHLUMBERGER LTD COMMON STOCK 806857108 657 5190 SH DEFINED 4990
200
806857108 392 3100 SH DEF/OTH 3100
COLUMN TOTALS 10380
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
SOUTHERN CO COMMON STOCK 842587107 2558 78058 SH DEFINED 77758
300
842587107 220 6700 SH DEF/OTH 2600
3300
800
TARGET CORP COMMON STOCK 87612E106 1292 24850 SH DEFINED 23950
200
700
87612E106 187 3600 SH DEF/OTH 2400
1100
100
TEXAS COMMON STOCK 882508104 398 12250 SH DEFINED 12250
INSTRUMENTS INC
882508104 10 300 SH DEF/OTH 300
3M CO COMMON STOCK 88579Y101 1529 20200 SH DEFINED 20200
88579Y101 714 9430 SH DEF/OTH 2600
6650
180
TRUSTCO BANK COMMON STOCK 898349105 12827 1053995 SH DEFINED 735168
147200
171627
CORP NY
898349105 8369 687653 SH DEF/OTH 616049
37304
34300
UNITED PARCEL COMMON STOCK 911312106 550 6925 SH DEFINED 6925
SERVICE
911312106 91 1150 SH DEF/OTH 1000
100
50
COLUMN TOTALS 28745
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
UNITED COMMON STOCK 913017109 3517 60670 SH DEFINED 55470
400
4800
TECHNOLOGIES CORP
913017109 429 7400 SH DEF/OTH 5400
1400
600
UNITRIN INC COMMON STOCK 913275103 10491 225568 SH DEFINED 225568
VANGUARD MUTUAL 922021308 185 16939 SH DEFINED 16939
CALIFORNIA TAX FUNDS/MUNI
FREE BONDS
VANGUARD NEW MUTUAL 92204H103 170 15285 SH DEFINED 15285
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
VANGUARD NEW MUTUAL 92204H301 1812 162527 SH DEFINED 162527
YORK TAX FREE FUNDS/MUNI
FUNDS BONDS
92204H301 343 30786 SH DEF/OTH 29449
1337
VERIZON COMMON STOCK 92343V104 1280 37584 SH DEFINED 37184
200
200
COMMUNICATIONS
INC
92343V104 426 12504 SH DEF/OTH 6730
5574
200
WAL-MART STORES COMMON STOCK 931142103 1669 35325 SH DEFINED 34325
1000
INC
931142103 189 4000 SH DEF/OTH 3600
200
200
COLUMN TOTALS 20511
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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
WASHINGTON COMMON STOCK 939322103 486 11400 SH DEFINED 11400
MUTUAL INC
939322103 72 1700 SH DEF/OTH 400
1200
100
WELLS FARGO & CO COMMON STOCK 949746101 1825 28575 SH DEFINED 28175
400
NEW
949746101 361 5650 SH DEF/OTH 3400
1750
500
WYETH COMMON STOCK 983024100 556 11466 SH DEFINED 11466
983024100 149 3065 SH DEF/OTH 1665
1400
COLUMN TOTALS 3449
AGGREGATE TOTAL 211294
Page 13
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 153
Form 13F Information Table Value Total: $ 211,294
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