FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
DAIMLERCHRYSLER AG          ORD ADR             D1668R123        2       41 SH       SOLE                       41        0        0
DAIMLERCHRYSLER AG          ORD ADR             D1668R123        0       15 SH       DEFINED                    15        0        0
ACE LTD                                         G0070K103       30      600 SH       SOLE                      600        0        0
ASPEN INSURANCE HOLDING USD                     G05384105        6      300 SH       SOLE                      300        0        0
ACCENTURE LTD CL A                              G1150G111        4      155 SH       SOLE                      155        0        0
COOPER INDUSTRIES LTD       CLASS A             G24182100        1       15 SH       DEFINED                    15        0        0
FOSTER WHEELER LTD                              G36535139       54     1256 SH       SOLE                     1256        0        0
GLOBALSANTAFE CORPORATION                       G3930E101        2       35 SH       DEFINED                    35        0        0
INGERSOLL-RAND CO           COM                 G4776G101      171     4010 SH       SOLE                     4010        0        0
MARVELL TECHNOLOGY GROUP    LTD                 G5876H105        1       25 SH       DEFINED                    25        0        0
NABORS INDUSTRIES LTD                           G6359F103        1       30 SH       DEFINED                    30        0        0
NOBLE CORP                  COM                 G65422100        0       11 SH       DEFINED                    11        0        0
SEAGATE TECHNOLOGY                              G7945J104       58     2600 SH       DEFINED                     0        0     2600
TRANSOCEAN INC              ORD                 G90078109        6       77 SH       SOLE                       77        0        0
WEATHERFORD INTL LTD                            G95089101      172     3487 SH       SOLE                     3487        0        0
XL CAP LTD                  CL A                G98255105       27      444 SH       SOLE                      444        0        0
XL CAP LTD                  CL A                G98255105        1       25 SH       DEFINED                    25        0        0
ALCON INC.                                      H01301102        1       20 SH       DEFINED                    20        0        0
UBS AG ADR                                      H8920M855        0        5 SH       DEFINED                     5        0        0
CNH GLOBAL NV                                   N20935206        0       40 SH       SOLE                       40        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102        1      125 SH       DEFINED                   125        0        0
ACCO BRANDS CORP                                00081T108       32     1481 SH       SOLE                     1481        0        0
AFLAC INC                   COM                 001055102      495    10690 SH       SOLE                     8490        0     2200
AFLAC INC                   COM                 001055102        0       10 SH       DEFINED                    10        0        0
AES CORP                    COM                 00130H105      197    10700 SH       DEFINED                     0        0    10700
AT&T INC                    COM                 00206R102     5626   201830 SH       SOLE                   186926        0    14904
AT&T INC                    COM                 00206R102      410    14715 SH       DEFINED                 14715        0        0
ABBOTT LABS                 COM                 002824100     4058    93057 SH       SOLE                    87142        0     5915
ABBOTT LABS                 COM                 002824100      115     2650 SH       DEFINED                  1650        0     1000






                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
ADOBE SYS INC               COM                 00724F101       72     2400 SH       SOLE                     2400        0        0
ADVANCED MICRO DEVICES INC  COM                 007903107        1       60 SH       DEFINED                    60        0        0
AETNA INC NEW               COM                 00817Y108      114     2875 SH       DEFINED                     0        0     2875
AGERE SYS INC COM                               00845V308        1       70 SH       SOLE                       70        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101      140     4440 SH       SOLE                     4440        0        0
AIR PRODS & CHEMS INC       COM                 009158106      125     1966 SH       SOLE                     1911        0       55
ALCOA INC                   COM                 013817101     1784    55136 SH       SOLE                    50986        0     4150
ALCOA INC                   COM                 013817101       72     2240 SH       DEFINED                  2240        0        0
ALLEGHENY TECHNOLOGIES INC  COM                 01741R102       46      665 SH       SOLE                      665        0        0
ALLIANCE NY MUNI FUND                           018714105        6      500          SOLE                      500        0        0
ALLIANT ENERGY                                  018802108        6      200 SH       SOLE                      200        0        0
ALLIANCE FINL CORP                              019205103     2002    64941 SH       SOLE                    64941        0        0
ALLIANCE FINL CORP                              019205103      123     4000 SH       DEFINED                  4000        0        0
ALLSTATE CORP               COM                 020002101      118     2157 SH       SOLE                     2157        0        0
ALLSTATE CORP               COM                 020002101       10      200 SH       DEFINED                   200        0        0
ALLTEL CORP                 COM                 020039103      246     3865 SH       SOLE                     3865        0        0
ALLTEL CORP                 COM                 020039103       89     1400 SH       DEFINED                     0        0     1400
ALTRIA GROUP INC            COM                 02209S103      844    11499 SH       SOLE                    10799        0      700
ALTRIA GROUP INC            COM                 02209S103      110     1500 SH       DEFINED                  1500        0        0
AMAZON COM INC              COM                 023135106      193     5000 SH       DEFINED                     0        0     5000
AMBAC FINL GROUP INC        COM                 023139108      164     2030 SH       SOLE                     2030        0        0
AMEREN CORP                 COM                 023608102       49      978 SH       SOLE                      978        0        0
AMERICA MOVIL S A DE C V    SPON ADR L SHS      02364W105        0       15 SH       DEFINED                    15        0        0
AMERICAN ELEC PWR INC       COM                 025537101       30      900 SH       SOLE                      900        0        0
AMERICAN EXPRESS CO         COM                 025816109     1965    36935 SH       SOLE                    33835        0     3100
AMERICAN EXPRESS CO         COM                 025816109       26      500 SH       DEFINED                   500        0        0
AMERICAN INTL GROUP INC     COM                 026874107     3875    65650 SH       SOLE                    61640        0     4010
AMERICAN INTL GROUP INC     COM                 026874107      584     9903 SH       DEFINED                  8436        0     1467
AMERISOURCEBERGEN CORP                          03073E105       87     2090 SH       SOLE                     2090        0        0
AMERIPRISE FINL INC COM                         03076C106        1       30 SH       DEFINED                    30        0        0
AMGEN INC                   COM                 031162100     2054    31507 SH       SOLE                    28627        0     2880
AMGEN INC                   COM                 031162100       16      255 SH       DEFINED                   255        0        0
AMSOUTH BANCORPORATION      COM                 032165102       29     1127 SH       SOLE                     1127        0        0


                                       2




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
AMYLIN PHARMACEUTICALS INC                      032346108       12      250 SH       SOLE                      250        0        0
ANADARKO PETE CORP          COM                 032511107      354     7435 SH       SOLE                     7435        0        0
ANADARKO PETE CORP          COM                 032511107       76     1600 SH       DEFINED                     0        0     1600
ANALOG DEVICES INC          COM                 032654105        9      303 SH       SOLE                      303        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      249     5480 SH       SOLE                     4680        0      800
ANHEUSER BUSCH COS INC      COM                 035229103       91     2000 SH       DEFINED                  2000        0        0
AON CORP                    COM                 037389103       41     1200 SH       DEFINED                     0        0     1200
APACHE CORP                                     037411105     1841    26978 SH       SOLE                    24898        0     2080
APACHE CORP                                     037411105       29      428 SH       DEFINED                   428        0        0
APPLE COMPUTER INC          COM                 037833100      160     2800 SH       SOLE                     2800        0        0
APPLE COMPUTER INC          COM                 037833100        2       45 SH       DEFINED                    45        0        0
APPLERA CORP                COM AP BIO GRP      038020103       78     2435 SH       SOLE                     2435        0        0
APPLIED MATLS INC           COM                 038222105       55     3432 SH       SOLE                     3432        0        0
AQUA AMER INC                                   03836W103       11      500 SH       SOLE                      500        0        0
ARCHER DANIELS MIDLAND CO   COM                 039483102      401     9740 SH       SOLE                     9740        0        0
ARCHSTONE SMITH TR          COM                 039583109       43      850 SH       SOLE                      850        0        0
AUTOMATIC DATA PROCESSING                       053015103      325     7184 SH       SOLE                     7184        0        0
AUTOMATIC DATA PROCESSING                       053015103       90     2000 SH       DEFINED                  2000        0        0
AVAYA INC                   COM                 053499109        4      371 SH       SOLE                      371        0        0
AVERY DENNISON CORP         COM                 053611109       18      325 SH       SOLE                      325        0        0
AVERY DENNISON CORP         COM                 053611109       17      300 SH       DEFINED                   300        0        0
AXCELIS TECHNOLOGIES INC    COM                 054540109        2      471 SH       SOLE                      471        0        0
BCE INC                     COM ADR             05534B109       26     1129 SH       SOLE                     1129        0        0
BISYS GROUP INC             COM                 055472104       13     1000 SH       SOLE                     1000        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      770    11062 SH       SOLE                    11062        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      203     2925 SH       DEFINED                  1613        0     1312
BAKER HUGHES INC            COM                 057224107       57      705 SH       DEFINED                     5        0      700
BALL CORP                   COM                 058498106       29      785 SH       SOLE                      785        0        0
BANK OF AMERICA CORPORATION COM                 060505104     5965   124055 SH       SOLE                   117697        0     6358
BANK OF AMERICA CORPORATION COM                 060505104      290     6051 SH       DEFINED                  3741        0     2310
BANK NEW YORK INC           COM                 064057102      104     3250 SH       SOLE                     2250        0     1000
BANK NEW YORK INC           COM                 064057102        3      100 SH       DEFINED                   100        0        0
BARRICK GOLD CORP           COM ADR             067901108       31     1050 SH       SOLE                     1050        0        0
 

                                       3




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
BARR LABS INC               COM                 068306109      106     2240 SH       SOLE                     2240        0        0
BAXTER INTL INC             COM                 071813109       26      719 SH       SOLE                      719        0        0
BAXTER INTL INC             COM                 071813109        3      100 SH       DEFINED                   100        0        0
BEAZER HOMES USA INC        COM                 07556Q105       18      400 SH       DEFINED                     0        0      400
BECTON DICKINSON & CO       COM                 075887109       82     1350 SH       SOLE                     1350        0        0
BELLSOUTH CORP              COM                 079860102     2474    68343 SH       SOLE                    60378        0     7965
BELLSOUTH CORP              COM                 079860102      162     4500 SH       DEFINED                  2700        0     1800
BERKSHIRE HATHAWAY INC DEL  CL A                084670108       91        1 SH       SOLE                        0        0        1
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       48       16 SH       SOLE                       16        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207        9        3 SH       DEFINED                     3        0        0
BEST BUY INC                COM                 086516101      120     2193 SH       SOLE                     2193        0        0
BEST BUY INC                COM                 086516101       15      288 SH       DEFINED                   288        0        0
BIOMET INC                  COM                 090613100        3      100 SH       SOLE                      100        0        0
BIOGEN IDEC INC                                 09062X103       55     1200 SH       SOLE                      500        0      700
BLACK & DECKER CORP         COM                 091797100      108     1290 SH       SOLE                     1290        0        0
BLACK & DECKER CORP         COM                 091797100       59      700 SH       DEFINED                     0        0      700
BLACKROCK INSD MUN 2008 TERM                    09247K109       19     1275          SOLE                     1275        0        0
BLACKROCK MUN TARGET TERM TR INC                09247M105       41     4144          SOLE                     4144        0        0
BLACKROCK INSD MUN INC TR                       092479104       16     1178 SH       SOLE                     1178        0        0
BLAIR CORP                                      092828102       10      363 SH       SOLE                      363        0        0
BOEING CO                   COM                 097023105     1190    14535 SH       SOLE                    14535        0        0
BOEING CO                   COM                 097023105        4       55 SH       DEFINED                    55        0        0
BORG WARNER INC                                 099724106        1       25 SH       DEFINED                    25        0        0
BOSTON SCIENTIFIC CORP      COM                 101137107        5      347 SH       SOLE                      347        0        0
BRANDYWINE RLTY TR          SH BEN INT NEW      105368203       11      350 SH       SOLE                      350        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      238     9229 SH       SOLE                     8129        0     1100
BRISTOL MYERS SQUIBB CO     COM                 110122108       93     3600 SH       DEFINED                  1600        0     2000
BROADCOM CORP               CL A                111320107        2       70 SH       DEFINED                    70        0        0
BROWN FORMAN CORP           CL B                115637209       12      180 SH       SOLE                      180        0        0
BROWN FORMAN CORP           CL B                115637209      142     2000 SH       DEFINED                     0        0     2000
BURLINGTON NORTHN SANTA FE CCOM                 12189T104      263     3325 SH       SOLE                     3325        0        0
CBS CORP NEW CL B                               124857202     1796    66445 SH       SOLE                    61623        0     4822
CBS CORP NEW CL B                               124857202       40     1507 SH       DEFINED                   757        0      750


                                       4




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
CH ENERGY GROUP INC                             12541M102       28      600 SH       SOLE                      600        0        0
CIGNA CORP                  COM                 125509109        3       33 SH       SOLE                       33        0        0
CSX CORP                    COM                 126408103      536     7620 SH       SOLE                     7620        0        0
CSX CORP                    COM                 126408103        1       22 SH       DEFINED                    22        0        0
CVS CORP                    COM                 126650100      490    15975 SH       SOLE                    15975        0        0
CA INC COM                                      12673P105       26     1300 SH       DEFINED                     0        0     1300
CABLEVISION NY GROUP CL A                       12686C109        2      130 SH       SOLE                      130        0        0
CAMPBELL SOUP CO            COM                 134429109       42     1156 SH       SOLE                     1156        0        0
CAMPBELL SOUP CO            COM                 134429109       48     1300 SH       DEFINED                     0        0     1300
CANADIAN NATL RY CO         COM                 136375102        8      200 SH       SOLE                      200        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105      326     3820 SH       SOLE                     3820        0        0
CAPITAL ONE FINANCIAL CORP                      14040H105       81      950 SH       DEFINED                     0        0      950
CAPSTON TURBINE CORP                            14067D102        1      500 SH       SOLE                      500        0        0
CARDINAL HEALTH INC         COM                 14149Y108      151     2356 SH       SOLE                     2356        0        0
CARDINAL HEALTH INC         COM                 14149Y108       96     1500 SH       DEFINED                  1500        0        0
CAREMARK RX INC                                 141705103        2       60 SH       SOLE                       60        0        0
CAREMARK RX INC                                 141705103        0       20 SH       DEFINED                    20        0        0
CARNIVAL CORP                                   143658300      164     3940 SH       SOLE                     3940        0        0
CATERPILLAR INC DEL         COM                 149123101      756    10162 SH       SOLE                    10052        0      110
CELGENE CORP                                    151020104       21      450 SH       SOLE                      450        0        0
CENTEX CORP                 COM                 152312104       57     1150 SH       DEFINED                     0        0     1150
CENTRAL SECS CORP           COM                 155123102       20      790 SH       DEFINED                     0        0      790
CHARMING SHOPPES INC                            161133103        3      290 SH       SOLE                      290        0        0
CHEMED CORP INC                                 16359R103        9      170 SH       SOLE                      170        0        0
CHEVRON CORPORATION NEW                         166764100     4012    64652 SH       SOLE                    61362        0     3290
CHEVRON CORPORATION NEW                         166764100      218     3516 SH       DEFINED                  1250        0     2266
CHOICEPOINT INC             COM                 170388102       40      960 SH       SOLE                      960        0        0
CHUBB CORP                  COM                 171232101      370     7420 SH       SOLE                     7420        0        0
CHUBB CORP                  COM                 171232101       31      635 SH       DEFINED                    35        0      600
CINCINNATI FINL CORP        COM                 172062101       71     1525 SH       SOLE                     1525        0        0
CISCO SYS INC               COM                 17275R102     3661   187556 SH       SOLE                   176101        0    11455
CISCO SYS INC               COM                 17275R102      175     8980 SH       DEFINED                  5480        0     3500
CITIGROUP INC                                   172967101     6388   132413 SH       SOLE                   126509        0     5904
CITIGROUP INC                                   172967101      257     5329 SH       DEFINED                  3079        0     2250
 

                                       5




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
CLOROX CO DEL               COM                 189054109      294     4838 SH       SOLE                     4738        0      100
CLOROX CO DEL               COM                 189054109       74     1220 SH       DEFINED                    20        0     1200
COCA COLA CO                COM                 191216100     1879    43681 SH       SOLE                    40526        0     3155
COCA COLA CO                COM                 191216100      117     2740 SH       DEFINED                  1240        0     1500
COHEN & STEERS REIT & PFD                       19247X100       13      500 SH       SOLE                      500        0        0
COLGATE PALMOLIVE CO        COM                 194162103     1095    18295 SH       SOLE                    18295        0        0
COLGATE PALMOLIVE CO        COM                 194162103      119     2000 SH       DEFINED                     0        0     2000
COLLEGIATE PACIFIC INC      COM NEW             194589206        0       20 SH       SOLE                       20        0        0
COLONIAL PPTYS TR           COM SH BEN INT      195872106        9      191 SH       SOLE                      191        0        0
COMCAST CORP NEW CL A                           20030N101      591    18059 SH       SOLE                    18059        0        0
COMCAST CORP NEW CL A                           20030N101       29      904 SH       DEFINED                     0        0      904
COMCAST CORP NEW                                20030N200       36     1100 SH       DEFINED                   100        0     1000
COMERICA INC                COM                 200340107       11      215 SH       SOLE                      215        0        0
COMMERCIAL METALS CO        COM                 201723103      150     5840 SH       SOLE                     5840        0        0
COMPUTER SCIENCES CORP      COM                 205363104       97     2010 SH       SOLE                     2010        0        0
CONAGRA FOODS INC           COM                 205887102       67     3062 SH       SOLE                     3062        0        0
CONAGRA FOODS INC           COM                 205887102       33     1500 SH       DEFINED                     0        0     1500
CONEXANT SYSTEMS INC        COM                 207142100        1      600 SH       SOLE                      600        0        0
CONOCOPHILLIPS                                  20825C104      795    12148 SH       SOLE                    11464        0      684
CONSOLIDATED EDISON INC                         209115104       73     1658 SH       SOLE                     1658        0        0
CONSTELLATION ENERGY CORP   COM                 210371100       64     1175 SH       DEFINED                    25        0     1150
CONVERGYS CORP              COM                 212485106       17      890 SH       SOLE                      890        0        0
CORN PRODS INTL INC         COM                 219023108        4      150 SH       SOLE                      150        0        0
CORNING INC                 COM                 219350105      319    13205 SH       SOLE                    13205        0        0
CORNING INC                 COM                 219350105       11      479 SH       DEFINED                   479        0        0
COSTCO WHSL CORP NEW        COM                 22160K105     1964    34388 SH       SOLE                    31858        0     2530
COSTCO WHSL CORP NEW        COM                 22160K105      162     2850 SH       DEFINED                  2850        0        0
COUNTRYWIDE FINANCIAL CORP                      222372104      119     3150 SH       DEFINED                     0        0     3150
CROWN CASTLE INTL CORP      COM                 228227104        0       25 SH       DEFINED                    25        0        0
CUMMINS INC                 COM                 231021106      165     1355 SH       SOLE                     1355        0        0
DNP SELECT INC FD INC COM                       23325P104       20     2000 SH       SOLE                     2000        0        0
DANAHER CORP DEL            COM                 235851102      118     1840 SH       SOLE                     1840        0        0
DARDEN RESTAURANTS INC      COM                 237194105       44     1135 SH       SOLE                     1135        0        0


                                       6




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
DEERE & CO                  COM                 244199105       58      700 SH       SOLE                      700        0        0
DEL MONTE FOODS                                 24522P103        0       89 SH       SOLE                       89        0        0
DELL INC                                        24702R101      370    15160 SH       SOLE                    14760        0      400
DELL INC                                        24702R101      102     4200 SH       DEFINED                  1500        0     2700
DENTSPLY INTL INC NEW       COM                 249030107       27      460 SH       SOLE                      460        0        0
DIAGEO PLC SPN ADR NEW                          25243Q205       55      818 SH       SOLE                      818        0        0
THE DIRECTV GROUP INC.                          25459L106        5      306 SH       SOLE                      306        0        0
THE DIRECTV GROUP INC.                          25459L106      100     6100 SH       DEFINED                     0        0     6100
DISNEY WALT CO              COM DISNEY          254687106       68     2285 SH       SOLE                     2285        0        0
DISNEY WALT CO              COM DISNEY          254687106       60     2000 SH       DEFINED                     0        0     2000
DOMINION RES INC VA NEW     COM                 25746U109      475     6352 SH       SOLE                     6352        0        0
DOVER CORP                  COM                 260003108      193     3905 SH       SOLE                     3905        0        0
DOW JONES & CO INC          COM                 260561105       45     1300 SH       DEFINED                     0        0     1300
DU PONT E I DE NEMOURS & CO COM                 263534109      748    17990 SH       SOLE                    17890        0      100
DU PONT E I DE NEMOURS & CO COM                 263534109       77     1875 SH       DEFINED                   475        0     1400
DUKE ENERGY HOLDING CORP COM                    26441C105      192     6552 SH       SOLE                     6352        0      200
DUKE ENERGY HOLDING CORP COM                    26441C105       73     2500 SH       DEFINED                     0        0     2500
DUKE REALTY CORP                                264411505       17      511 SH       SOLE                      511        0        0
E M C CORP MASS             COM                 268648102       16     1488 SH       SOLE                     1488        0        0
E M C CORP MASS             COM                 268648102        2      200 SH       DEFINED                   200        0        0
EOG RES INC                 COM                 26875P101       36      525 SH       SOLE                      525        0        0
EASTMAN CHEM CO             COM                 277432100       25      478 SH       SOLE                      478        0        0
EASTMAN KODAK CO            COM                 277461109       55     2324 SH       SOLE                     2324        0        0
EASTMAN KODAK CO            COM                 277461109      144     6100 SH       DEFINED                     0        0     6100
EATON VANCE CORP COM                            278058102       60      800 SH       SOLE                      800        0        0
EATON VANCE CORP COM                            278058102       98     1300 SH       DEFINED                     0        0     1300
EBAY INC                    COM                 278642103       98     3370 SH       DEFINED                    45        0     3325
ECOLAB INC                  COM                 278865100       56     1400 SH       SOLE                     1400        0        0
ECOLAB INC                  COM                 278865100       24      600 SH       DEFINED                   600        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        1       40 SH       SOLE                       40        0        0
EDWARDS AG INC              COM                 281760108      176     3200 SH       SOLE                     3200        0        0
EL PASO ENERGY CORP DEL     COM                 28336L109        9      644 SH       SOLE                      644        0        0
ELECTRONIC ARTS INC         COM                 285512109       59     1375 SH       DEFINED                     0        0     1375


                                       7




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
ELECTRONIC DATA SYS NEW     COM                 285661104       15      646 SH       SOLE                      646        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104        1       50 SH       DEFINED                    50        0        0
EMBARQ CORP SER 1                               29078E105        3       87 SH       SOLE                       87        0        0
EMBARQ CORP SER 1                               29078E105       26      635 SH       DEFINED                     5        0      630
EMERSON ELEC CO             COM                 291011104     2097    25025 SH       SOLE                    23145        0     1880
EMERSON ELEC CO             COM                 291011104      130     1553 SH       DEFINED                  1553        0        0
EMPIRE DIST ELEC CO         COM                 291641108        2      100 SH       SOLE                        0        0      100
ENBRIDGE ENERGY PART LP COM                     29250R106        6      150 SH       SOLE                      150        0        0
ENCANA CORP                                     292505104       11      225 SH       SOLE                      225        0        0
ENERGY CONVERSION DEV INC                       292659109        3      100 SH       SOLE                      100        0        0
ENERGY EAST CORP            COM                 29266M109      118     4959 SH       SOLE                     4859        0      100
ENERGIZER HLDGS INC         COM                 29266R108        8      140 SH       DEFINED                     0        0      140
EQUIFAX INC                 COM                 294429105       72     2100 SH       SOLE                     2100        0        0
EQUITABLE RES INC           COM                 294549100       50     1514 SH       SOLE                     1514        0        0
EQUITY FUND                                     294700703       53      600 SH       SOLE                      600        0        0
EQUITY OFFICE PROPERTIES    TRUST               294741103       64     1760 SH       SOLE                     1760        0        0
ERICSSON TELEPHONE CO ADR                       294821608       10      320 SH       DEFINED                   320        0        0
EXELON CORP                 COM                 30161N101     4731    83261 SH       SOLE                    77676        0     5585
EXELON CORP                 COM                 30161N101       71     1250 SH       DEFINED                  1250        0        0
EXPEDIA INC DEL                                 30212P105       61     4100 SH       DEFINED                     0        0     4100
EXPEDITORS INTL WASH INC    COM                 302130109       22      400 SH       SOLE                      400        0        0
EXPRESS SCRIPTS INC         COM                 302182100      138     1935 SH       SOLE                     1935        0        0
EXXON MOBIL CORP            COM                 30231G102    11411   186015 SH       SOLE                   172993        0    13022
EXXON MOBIL CORP            COM                 30231G102     1753    28587 SH       DEFINED                 25491        0     3096
FPL GROUP INC               COM                 302571104       16      400 SH       SOLE                        0        0      400
FPL GROUP INC               COM                 302571104       21      524 SH       DEFINED                   324        0      200
FEDERAL HOME LN MTGE COMPANY                    313400301        3       53 SH       DEFINED                    53        0        0
FEDERAL NATL MTG ASSN       COM                 313586109       76     1600 SH       SOLE                     1600        0        0
FEDERAL NATL MTG ASSN       COM                 313586109        1       35 SH       DEFINED                    35        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101       27      740 SH       SOLE                      740        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101       29      808 SH       DEFINED                     0        0      808
FEDEX CORP                                      31428X106      131     1129 SH       SOLE                     1129        0        0
FIDELITY NATL INFORMATION   SVCS INC COM        31620M106       42     1200 SH       SOLE                     1200        0        0


                                       8




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
FIFTH THIRD BANCORP         COM                 316773100      133     3612 SH       SOLE                     3612        0        0
FIRST DATA CORP             COM                 319963104      115     2575 SH       SOLE                     2575        0        0
FIRST DATA CORP             COM                 319963104        9      200 SH       DEFINED                   200        0        0
FIRST HORIZON NATL CORP                         320517105       27      686 SH       SOLE                      686        0        0
FIRST INDUSTRIAL REALTY TRUSCOM                 32054K103       14      376 SH       SOLE                      376        0        0
FIRST NIAGARA FINL INC                          33582V108       14     1011 SH       SOLE                     1011        0        0
FIRST NIAGARA FINL INC                          33582V108        9      655 SH       DEFINED                   655        0        0
FIRSTENERGY CORP            COM                 337932107      149     2756 SH       SOLE                     2676        0       80
FISHER SCIENTIFIC INTL INC  COM NEW             338032204       32      445 SH       SOLE                      445        0        0
FLUOR CORP NEW              COM                 343412102       36      395 SH       SOLE                      395        0        0
FORD MOTOR CO                                   345370860        0      100 SH       SOLE                        0        0      100
FOREST LABS INC             COM                 345838106        1       50 SH       SOLE                       50        0        0
FORTUNE BRANDS INC          COM                 349631101      447     6304 SH       SOLE                     6304        0        0
FRANKLIN RESOURCES INC.                         354613101      101     1165 SH       SOLE                     1165        0        0
FRANKLIN RESOURCES INC.                         354613101        1       15 SH       DEFINED                    15        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109      394     6304 SH       SOLE                     6304        0        0
GANNETT INC                 COM                 364730101      228     4093 SH       SOLE                     4093        0        0
GANNETT INC                 COM                 364730101       78     1400 SH       DEFINED                     0        0     1400
GENENTECH INC               COM NEW             368710406       43      535 SH       SOLE                      535        0        0
GENENTECH INC               COM NEW             368710406        2       35 SH       DEFINED                    35        0        0
GENERAL ELECTRIC CO         COM                 369604103     8969   272223 SH       SOLE                   251078        0    21145
GENERAL ELECTRIC CO         COM                 369604103      599    18194 SH       DEFINED                 16294        0     1900
GENERAL MLS INC             COM                 370334104       77     1500 SH       DEFINED                     0        0     1500
GENERAL MTRS CORP           COM                 370442105       14      488 SH       SOLE                      388        0      100
GENUINE PARTS CO            COM                 372460105       41     1000 SH       SOLE                     1000        0        0
GENUINE PARTS CO            COM                 372460105       62     1500 SH       DEFINED                     0        0     1500
GENWORTH FINANCIAL INC                          37247D106        0       20 SH       DEFINED                    20        0        0
GENZYME CORP COM                                372917104       13      215 SH       SOLE                      215        0        0
GILEAD SCIENCES INC         COM                 375558103      172     2920 SH       SOLE                     2920        0        0
GILEAD SCIENCES INC         COM                 375558103        1       28 SH       DEFINED                    28        0        0
GLAXO HOLDINGS PLC SPONSORED ADR                37733W105      125     2250 SH       SOLE                     2250        0        0
GOLDEN WEST FINL CORP DEL   COM                 381317106       35      485 SH       SOLE                      485        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104     3030    20148 SH       SOLE                    19083        0     1065
GOLDMAN SACHS GROUP INC     COM                 38141G104       16      113 SH       DEFINED                   113        0        0


                                       9




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
GOODRICH CORP                                   382388106        1       25 SH       DEFINED                    25        0        0
GOODYEAR TIRE & RUBR CO     COM                 382550101        0       60 SH       SOLE                       60        0        0
GOOGLE INC                                      38259P508       37       90 SH       SOLE                       90        0        0
GOOGLE INC                                      38259P508      192      458 SH       DEFINED                     8        0      450
GRAINGER W W INC            COM                 384802104      165     2200 SH       SOLE                     2200        0        0
GREAT PLAINS ENERGY INC     COM                 391164100       64     2300 SH       SOLE                     2100        0      200
HRPT PPTYS TR               COM SH BEN INT      40426W101       21     1859 SH       SOLE                     1859        0        0
HSBC HLDGS PLC              SPON ADR NEW        404280406       44      500 SH       SOLE                      500        0        0
HALLIBURTON CO              COM                 406216101       33      455 SH       SOLE                      455        0        0
HALLIBURTON CO              COM                 406216101        3       48 SH       DEFINED                    48        0        0
JOHN HANCOCK PFD INC FD II                      41013X106       22     1000 SH       SOLE                        0        0     1000
HARDINGE INC                COM                 412324303       13      900 SH       SOLE                      900        0        0
HARLEY DAVIDSON INC         COM                 412822108     1706    31090 SH       SOLE                    28600        0     2490
HARLEY DAVIDSON INC         COM                 412822108       85     1550 SH       DEFINED                  1550        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104       71      845 SH       SOLE                      845        0        0
HASBRO INC                  COM                 418056107       45     2500 SH       DEFINED                     0        0     2500
HAWAIIAN ELEC INDUSTRIES    COM                 419870100       11      400 SH       SOLE                      400        0        0
HEALTH CARE PPTY INVS                           421915109       30     1134 SH       SOLE                     1134        0        0
HEALTHCARE RLTY TR          COM                 421946104       11      375 SH       SOLE                      375        0        0
HEALTH CARE REIT INC        COM                 42217K106       16      471 SH       SOLE                      471        0        0
HEALTH NET INC              A                   42222G108       92     2050 SH       DEFINED                     0        0     2050
HEINZ H J CO                COM                 423074103       87     2122 SH       SOLE                      572        0     1550
HERCULES INC                COM                 427056106        7      500 SH       DEFINED                     0        0      500
THE HERSHEY CO COM                              427866108      209     3800 SH       SOLE                     3800        0        0
HESS CORP COM                                   42809H107       50      965 SH       SOLE                      965        0        0
HESS CORP COM                                   42809H107      190     3600 SH       DEFINED                     0        0     3600
HEWLETT PACKARD CO          COM                 428236103     2630    83041 SH       SOLE                    78656        0     4385
HEWLETT PACKARD CO          COM                 428236103      151     4779 SH       DEFINED                  1025        0     3754
HILTON HOTELS CORP          COM                 432848109        0       15 SH       DEFINED                    15        0        0
HOME DEPOT INC              COM                 437076102     4374   122229 SH       SOLE                   115899        0     6330
HOME DEPOT INC              COM                 437076102      276     7725 SH       DEFINED                  5575        0     2150
HONEYWELL INTL INC          COM                 438516106      116     2880 SH       SOLE                     2750        0      130
HOSPITALITY PROPERTIES      TRUST               44106M102       20      478 SH       SOLE                      478        0        0


                                       10




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
HUMANA INC                  COM                 444859102      158     2955 SH       SOLE                     2955        0        0
IAC/INTERACTIVE CORP                            44919P300      100     3800 SH       DEFINED                     0        0     3800
ING CLARION GL REAL ESTATE                      44982G104       12      700 SH       SOLE                      700        0        0
ITT INDS INC IND            COM                 450911102       72     1474 SH       SOLE                     1474        0        0
ILLINOIS TOOL WKS INC       COM                 452308109     1784    37576 SH       SOLE                    34866        0     2710
ILLINOIS TOOL WKS INC       COM                 452308109      116     2450 SH       DEFINED                  2450        0        0
INTEL CORP                  COM                 458140100     4858   255729 SH       SOLE                   240754        0    14975
INTEL CORP                  COM                 458140100      441    23240 SH       DEFINED                 22640        0      600
INTERNATIONAL BUSINESS MACHS COM                459200101     4176    54382 SH       SOLE                    51520        0     2862
INTERNATIONAL BUSINESS MACHS COM                459200101      208     2714 SH       DEFINED                  2064        0      650
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       10      300 SH       SOLE                      300        0        0
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       35     1000 SH       DEFINED                     0        0     1000
INTERNATIONAL GAME TECHNOLOGCOM                 459902102      113     2995 SH       SOLE                     2995        0        0
INTL PAPER CO               COM                 460146103        1       52 SH       SOLE                       52        0        0
INTL PAPER CO               COM                 460146103       68     2110 SH       DEFINED                     0        0     2110
INTERPUBLIC GROUP COS INC   COM                 460690100        0       60 SH       DEFINED                    60        0        0
ISHARES TR MSCI EAFE INDX FDADR                 464287465     3323    50840 SH       SOLE                    50690        0      150
ISHS TR S & P MIDCAP 400 IND                    464287507     5785    75731 SH       SOLE                    75431        0      300
ISHS TR S & P MIDCAP 400 IND                    464287507       26      350 SH       DEFINED                   350        0        0
ISHARES RUSSELL 2000        GROWTH INDEX FD     464287648     3100    42174 SH       SOLE                    41974        0      200
ISHARES TR SMALLCAP FD                          464287804       62     1005 SH       SOLE                     1005        0        0
JDS UNIPHASE CORP           COM                 46612J101        0      100 SH       SOLE                      100        0        0
JPMORGAN CHASE & CO         COM                 46625H100     2197    52322 SH       SOLE                    48732        0     3590
JPMORGAN CHASE & CO         COM                 46625H100      337     8030 SH       DEFINED                   835        0     7195
JACUZZI BRANDS INC.                             469865109        5      640 SH       SOLE                      640        0        0
JOHNSON & JOHNSON           COM                 478160104     5555    92708 SH       SOLE                    86288        0     6420
JOHNSON & JOHNSON           COM                 478160104      635    10610 SH       DEFINED                  8360        0     2250
JOHNSON CTLS INC            COM                 478366107      152     1850 SH       SOLE                     1850        0        0
JONES APPAREL GROUP INC     COM                 480074103       14      465 SH       SOLE                      465        0        0
JONES APPAREL GROUP INC     COM                 480074103        0       25 SH       DEFINED                    25        0        0
JUNIPER NETWORKS INC        COM                 48203R104        1       65 SH       DEFINED                    65        0        0
KELLOGG CO                  COM                 487836108      289     5978 SH       SOLE                     5978        0        0
KERR MCGEE CORP             COM                 492386107       67      976 SH       SOLE                      976        0        0


                                       11




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
KEYCORP NEW                 COM                 493267108      130     3665 SH       SOLE                     3665        0        0
KEYSPAN CORP                COM                 49337W100        4      100 SH       SOLE                      100        0        0
KIMBERLY CLARK CORP         COM                 494368103      440     7139 SH       SOLE                     7139        0        0
KIMBERLY CLARK CORP         COM                 494368103       61     1000 SH       DEFINED                     0        0     1000
KINDER MORGAN INC KANS      COM                 49455P101        4       45 SH       SOLE                       45        0        0
KINDER MORGAN ENERGY PARTNER LTD PARTNER        494550106       83     1826 SH       SOLE                     1826        0        0
KING PHARMACEUTICALS INC                        495582108       87     5160 SH       SOLE                     5160        0        0
KONINKLIJKE PHILIPS ELECTRS NV SP ADR           500472303       34     1101 SH       SOLE                     1101        0        0
KROGER CO                   COM                 501044101        1       50 SH       DEFINED                    50        0        0
LSI LOGIC CORP                                  502161102       96    10815 SH       SOLE                    10815        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104      440     5838 SH       SOLE                     5838        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409      588     9460 SH       SOLE                     9460        0        0
LANCASTER COLONY CORP       COM                 513847103       41     1050 SH       SOLE                     1050        0        0
LAS VEGAS SANDS CORP        COM                 517834107        0       10 SH       DEFINED                    10        0        0
LEAR CORP                   COM                 521865105        0       25 SH       DEFINED                    25        0        0
LEGGETT & PLATT INC         COM                 524660107       39     1600 SH       SOLE                     1600        0        0
LEGG MASON INC              COM                 524901105        7       75 SH       SOLE                       75        0        0
LEGG MASON INC              COM                 524901105        1       20 SH       DEFINED                    20        0        0
LEHMAN BROTHERS HOLDING INC                     524908100      357     5492 SH       SOLE                     5492        0        0
LENNAR CORP                 COM                 526057104        4      100 SH       SOLE                      100        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       16      378 SH       SOLE                      378        0        0
LILLY ELI & CO              COM                 532457108      204     3696 SH       SOLE                     3696        0        0
LILLY ELI & CO              COM                 532457108        1       25 SH       DEFINED                    25        0        0
LIMITED BRANDS INC          COM                 532716107       38     1490 SH       SOLE                     1490        0        0
LINCOLN NATL CORP IND       COM                 534187109      353     6272 SH       SOLE                     6272        0        0
LLOYDS TSB GROUP PLC        SPONSORED ADR       539439109        4      125 SH       SOLE                      125        0        0
LOCKHEED MARTIN CORP        COM                 539830109      238     3322 SH       SOLE                     3322        0        0
LOEWS CORP                  CAROLNA GP STK      540424207       35      694 SH       SOLE                      694        0        0
LOWES COS INC               COM                 548661107      185     3050 SH       SOLE                     2950        0      100
LOWES COS INC               COM                 548661107       13      230 SH       DEFINED                   230        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       22     9460 SH       SOLE                     9460        0        0
MGIC INVT CORP WIS          COM                 552848103        2       40 SH       SOLE                       40        0        0
MGIC INVT CORP WIS          COM                 552848103       39      600 SH       DEFINED                     0        0      600


                                       12




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
MACK CALI RLTY CORP         COM                 554489104       21      462 SH       SOLE                      462        0        0
MANOR CARE INC                                  564055101      109     2340 SH       SOLE                     2340        0        0
MANULIFE FINL CORP COM                          56501R106       56     1774 SH       SOLE                     1774        0        0
MANULIFE FINL CORP COM                          56501R106      112     3554 SH       DEFINED                     0        0     3554
MARATHON OIL CORP                               565849106       72      870 SH       SOLE                      870        0        0
MARATHON OIL CORP                               565849106      141     1700 SH       DEFINED                     0        0     1700
MARSH & MCLENNAN COS INC    COM                 571748102       40     1500 SH       DEFINED                     0        0     1500
MARSHALL & ILSLEY CORP      COM                 571834100      164     3600 SH       SOLE                     3600        0        0
MARRIOTT INTL INC NEW  CLA                      571903202       30      800 SH       SOLE                      800        0        0
MARRIOTT INTL INC NEW  CLA                      571903202       45     1200 SH       DEFINED                     0        0     1200
MASCO CORPORATION                               574599106       23      800 SH       DEFINED                     0        0      800
MCCORMICK & CO INC          COM NON VTG         579780206       13      400 SH       SOLE                      400        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      100     3000 SH       DEFINED                     0        0     3000
MCDONALDS CORP              COM                 580135101     4326   128821 SH       SOLE                   120985        0     7836
MCDONALDS CORP              COM                 580135101       96     2865 SH       DEFINED                  1765        0     1100
MCGRAW HILL COS INC         COM                 580645109       80     1600 SH       SOLE                     1600        0        0
MCKESSON CORPORATION        COM                 58155Q103      156     3305 SH       SOLE                     3305        0        0
MCKESSON CORPORATION        COM                 58155Q103       44      950 SH       DEFINED                     0        0      950
MEADWESTVACO CORP                               583334107       30     1109 SH       SOLE                     1109        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102       86     1519 SH       SOLE                     1519        0        0
MEDCO HEALTH SOLUTIONS      INC                 58405U102        0        5 SH       DEFINED                     5        0        0
MEDIS TECHNOLOGIES                              58500P107        2      100 SH       SOLE                      100        0        0
MEDTRONIC INC               COM                 585055106     3412    72757 SH       SOLE                    68267        0     4490
MEDTRONIC INC               COM                 585055106       89     1900 SH       DEFINED                  1900        0        0
MELLON FINL CORP            COM                 58551A108       68     2000 SH       DEFINED                     0        0     2000
MERCK & CO INC              COM                 589331107      793    21795 SH       SOLE                    18095        0     3700
MERCK & CO INC              COM                 589331107       55     1525 SH       DEFINED                    25        0     1500
MERRILL LYNCH & CO INC      COM                 590188108      191     2760 SH       SOLE                     2760        0        0
MERRILL LYNCH & CO INC      COM                 590188108        3       52 SH       DEFINED                    52        0        0
METLIFE INC                 COM                 59156R108     3193    62380 SH       SOLE                    59245        0     3135
METLIFE INC                 COM                 59156R108       22      445 SH       DEFINED                   445        0        0
MICROSOFT CORP              COM                 594918104     4887   209839 SH       SOLE                   199634        0    10205
MICROSOFT CORP              COM                 594918104      226     9725 SH       DEFINED                  8525        0     1200


                                       13




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
MILLIPORE CORP                                  601073109       12      200 SH       SOLE                      200        0        0
MINDSPEED TECHNOLOGIES INC                      602682106        0      200 SH       SOLE                      200        0        0
MONSANTO CO (NEW)                               61166W101        2       25 SH       SOLE                       25        0        0
MONSANTO CO (NEW)                               61166W101        0        5 SH       DEFINED                     5        0        0
MORGAN STANLEY ASIA PACIFIC FUND INC            61744U106       78     5000 SH       SOLE                     5000        0        0
MORGAN STANLEY              DISCOVER & CO       617446448     3998    63266 SH       SOLE                    59446        0     3820
MORGAN STANLEY              DISCOVER & CO       617446448      139     2206 SH       DEFINED                  1006        0     1200
MOTOROLA INC                COM                 620076109      211    10490 SH       SOLE                    10490        0        0
MOTOROLA INC                COM                 620076109       40     2000 SH       DEFINED                     0        0     2000
MUNIHOLDINGS NEW YORK       INSURED FUND INC    625931100       31     2300          SOLE                     2300        0        0
MURPHY OIL CORP             COM                 626717102        2       40 SH       SOLE                       40        0        0
MYLAN LABS INC              COM                 628530107        9      450 SH       SOLE                      450        0        0
NBT BANCORP INC             COM                 628778102      378    16309 SH       SOLE                    16309        0        0
NCR CORP NEW                COM                 62886E108       10      300 SH       SOLE                      300        0        0
NYSE GROUP INC              COM                 62949W103        0        6 SH       DEFINED                     6        0        0
NASDAQ STOCK MARKET INC     COM                 631103108        0       10 SH       DEFINED                    10        0        0
NATIONAL CITY CORP          COM                 635405103       33      919 SH       SOLE                      919        0        0
NATIONAL CITY CORP          COM                 635405103      102     2835 SH       DEFINED                    35        0     2800
NATIONWIDE HEALTH PPTYS INC COM                 638620104       12      555 SH       SOLE                      555        0        0
NATURAL RESOURCE PARTNERS LP                    63900P103       32      600 SH       SOLE                      600        0        0
NEENAH PAPER INC                                640079109        0       30 SH       DEFINED                     0        0       30
NEWORK APPLIANCE INC.                           64120L104       48     1375 SH       SOLE                     1375        0        0
NEWORK APPLIANCE INC.                           64120L104        1       30 SH       DEFINED                    30        0        0
NEW YORK TIMES CO           CL A                650111107     1499    61100 SH       SOLE                    61100        0        0
NEW YORK TIMES CO           CL A                650111107       39     1600 SH       DEFINED                     0        0     1600
NEWELL RUBBERMAID INC COM                       651229106        4      155 SH       SOLE                      155        0        0
NEWELL RUBBERMAID INC COM                       651229106       98     3800 SH       DEFINED                     0        0     3800
NEWMONT MIN CO (HOLD CO)    COM                 651639106        0        8 SH       SOLE                        8        0        0
NEWPARK RESOURCES INC                           651718504        1      200 SH       SOLE                      200        0        0
NEWS CORP CL A                                  65248E104        1       68 SH       SOLE                       68        0        0
NICOR INC                                       654086107       18      453 SH       SOLE                      453        0        0
NIKE INC                    CL B                654106103       51      633 SH       SOLE                      633        0        0
NISOURCE INC                COM                 65473P105       50     2322 SH       SOLE                     2322        0        0


                                       14




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
NOKIA CORP PFD SPONS ADR                        654902204       11      570 SH       SOLE                      420        0      150
NOKIA CORP PFD SPONS ADR                        654902204       51     2545 SH       DEFINED                    45        0     2500
NORDSTROM INC               COM                 655664100      109     3000 SH       SOLE                     3000        0        0
NORFOLK SOUTHERN CORP       COM                 655844108      266     5005 SH       SOLE                     5005        0        0
NORTHERN TR CORP            COM                 665859104        0       10 SH       DEFINED                    10        0        0
NORTHROP GRUMMAN CORP COM                       666807102      122     1912 SH       SOLE                     1912        0        0
NORTHROP GRUMMAN CORP COM                       666807102        1       20 SH       DEFINED                    20        0        0
NUCOR CORP                  COM                 670346105      295     5450 SH       SOLE                     5450        0        0
CEF NUVEEN EQUITY PREM      OPPORTUNITY FUND    6706EM102       12      700 SH       SOLE                      700        0        0
NUVEEN EQUITY PREM ADV FD   COM                 6706ET107       12      700 SH       SOLE                      700        0        0
NVIDIA CORP                                     67066G104      108     5100 SH       SOLE                     5100        0        0
OGE ENERGY CORP             COM                 670837103       60     1723 SH       SOLE                     1723        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105      204     1990 SH       SOLE                     1990        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105        0        6 SH       DEFINED                     6        0        0
OFFICE DEPOT INC            COM                 676220106      162     4280 SH       SOLE                     4280        0        0
OFFICE DEPOT INC            COM                 676220106        1       35 SH       DEFINED                    35        0        0
ORACLE CORP                 COM                 68389X105      183    12692 SH       SOLE                    12692        0        0
ORACLE CORP                 COM                 68389X105       13      900 SH       DEFINED                   900        0        0
OWENS ILL INC               COM NEW             690768403        0       30 SH       DEFINED                    30        0        0
PG&E CORP                   COM                 69331C108       25      655 SH       SOLE                      655        0        0
PNC FINL SVCS GROUP INC     COM                 693475105     1624    23151 SH       SOLE                    21311        0     1840
PNC FINL SVCS GROUP INC     COM                 693475105      112     1600 SH       DEFINED                   150        0     1450
PPG INDS INC                COM                 693506107       75     1140 SH       SOLE                     1140        0        0
PPL CORP                                        69351T106       64     2000 SH       SOLE                     2000        0        0
PACCAR INC                  COM                 693718108      393     4774 SH       SOLE                     4774        0        0
PACKAGING CORP AMER         COM                 695156109       21      995 SH       SOLE                      995        0        0
PACTIV CORP                 COM                 695257105       78     3159 SH       SOLE                     3159        0        0
PALL CORP                   COM                 696429307       28     1000 SH       DEFINED                     0        0     1000
PANACOS PHARMACEUTICALS INC                     69811Q106        0       20 SH       SOLE                        0        0       20
PAYCHEX INC                 COM                 704326107        4      122 SH       SOLE                      122        0        0
PENGROWTH ENERGY TRUST                          706902301       12      500 SH       DEFINED                   500        0        0
PENNEY J C INC              COM                 708160106      129     1920 SH       SOLE                     1920        0        0
PEOPLES ENERGY CORP         COM                 711030106       18      515 SH       SOLE                      415        0      100


                                       15




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
PEPCO HOLDINGS INC                              713291102       22      952 SH       SOLE                      952        0        0
PEPSICO INC                 COM                 713448108     4971    82806 SH       SOLE                    78896        0     3910
PEPSICO INC                 COM                 713448108      283     4720 SH       DEFINED                  4720        0        0
PERFORMANCE TECHNOLOGIES INCCOM                 71376K102        0       50 SH       SOLE                       50        0        0
PFIZER INC                  COM                 717081103     3216   137114 SH       SOLE                   115484        0    21630
PFIZER INC                  COM                 717081103      365    15565 SH       DEFINED                 12965        0     2600
PHELPS DODGE CORP           COM                 717265102       62      765 SH       SOLE                      765        0        0
PHOENIX COS INC NEW         COM                 71902E109       14     1006 SH       SOLE                     1006        0        0
PIMCO MUNI INC FUND III                         72201E105        7      500          SOLE                      500        0        0
PINNACLE WEST CAP CORP      COM                 723484101       59     1486 SH       SOLE                     1486        0        0
PITNEY BOWES INC            COM                 724479100      310     7520 SH       SOLE                     7520        0        0
PLAINS ALL AMERICAN         PIPELINE LP         726503105        4      100 SH       SOLE                        0        0      100
PLUM CREEK TIMBER CO INC    COM                 729251108        9      274 SH       SOLE                      274        0        0
PRAXAIR INC                 COM                 74005P104       31      588 SH       SOLE                      238        0      350
PROCTER & GAMBLE CO         COM                 742718109     5483    98638 SH       SOLE                    92504        0     6134
PROCTER & GAMBLE CO         COM                 742718109      257     4638 SH       DEFINED                  3373        0     1265
PROGRESS ENERGY INC         COM                 743263105       19      447 SH       SOLE                      447        0        0
PROGRESSIVE CORP                                743315103      422    16445 SH       SOLE                    16445        0        0
PRUDENTIAL FINL INC         COM                 744320102      126     1629 SH       SOLE                     1629        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       33      500 SH       SOLE                      500        0        0
PUGET SOUND ENERGY INC      COM                 745310102       71     3311 SH       SOLE                     3311        0        0
PULTE CORP                  COM                 745867101       60     2100 SH       DEFINED                     0        0     2100
PUTNAM HIGH YIELD MUN TR    C/C                 746781103       13     2022          SOLE                     2022        0        0
QUALCOMM INC                COM                 747525103     1789    44670 SH       SOLE                    41290        0     3380
QUALCOMM INC                COM                 747525103       30      755 SH       DEFINED                   755        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100       62     1038 SH       SOLE                     1038        0        0
QUESTAR CORP                COM                 748356102      128     1600 SH       SOLE                     1600        0        0
QWEST COMM INTL INC                             749121109       21     2622 SH       SOLE                     2622        0        0
QWEST COMM INTL INC                             749121109      265    32850 SH       DEFINED                     0        0    32850
RAYTHEON CO CLASS B         COM                 755111507      103     2312 SH       SOLE                     2312        0        0
RELIANT ENERGY INC                              75952B105        3      279 SH       DEFINED                   279        0        0
REYNOLDS AMERN INC                              761713106       65      565 SH       SOLE                      365        0      200
RITE AID CORP               COM                 767754104       21     5000 SH       SOLE                     5000        0        0


                                       16




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
ROBERT HALF INTL INC        COM                 770323103       48     1150 SH       SOLE                     1150        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       43      600 SH       SOLE                      600        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       36      500 SH       DEFINED                     0        0      500
ROCKWELL COLLINS INC        COM                 774341101       33      600 SH       SOLE                      600        0        0
ROCKWELL COLLINS INC        COM                 774341101        0        7 SH       DEFINED                     7        0        0
ROHM & HAAS CO              COM                 775371107       63     1273 SH       SOLE                     1273        0        0
ROYAL DUTCH PETE CO                             780259206      353     5278 SH       SOLE                     5278        0        0
RYLAND GROUP INC.                               783764103       17      400 SH       DEFINED                     0        0      400
SLM CORPORATION SECURITIES  COM                 78442P106       12      227 SH       SOLE                      227        0        0
SAFEWAY INC (FORMERLY       SAFEWAY STORES INC) 786514208        1       50 SH       DEFINED                    50        0        0
THE ST PAULS TRAVELERS      COMPANIES INC-COM   792860108        6      136 SH       SOLE                      136        0        0
THE ST PAULS TRAVELERS      COMPANIES INC-COM   792860108      139     3123 SH       DEFINED                    25        0     3098
SARA LEE CORP               COM                 803111103       12      800 SH       SOLE                      800        0        0
SARA LEE CORP               COM                 803111103        1      100 SH       DEFINED                   100        0        0
SCHEIN HENRY INC.                               806407102       28      620 SH       SOLE                      620        0        0
SCHERING PLOUGH CORP        COM                 806605101      238    12550 SH       SOLE                    11750        0      800
SCHLUMBERGER LTD            COM                 806857108     4630    71112 SH       SOLE                    66902        0     4210
SCHLUMBERGER LTD            COM                 806857108      478     7352 SH       DEFINED                  7352        0        0
SCOTTISH PWR PLC NEW                            81013T804      117     2716 SH       SOLE                     2716        0        0
SEARS HLDGS CORP COM                            812350106      157     1015 SH       DEFINED                     0        0     1015
SELECTIVE INS GRP INC       C/C                 816300107       40      719 SH       SOLE                      719        0        0
SEMPRA ENERGY               COM                 816851109       56     1250 SH       SOLE                     1250        0        0
SENECA FOODS CORP NEW       CL B                817070105       32     1400 SH       SOLE                     1400        0        0
SENECA FOODS CORP NEW       CL A                817070501       32     1400 SH       SOLE                     1400        0        0
SENIOR HSG PPTYS TR         SH BEN INT          81721M109       11      621 SH       SOLE                      621        0        0
SIGMA ALDRICH CORP          COM                 826552101     4191    57715 SH       SOLE                    54425        0     3290
SIGMA ALDRICH CORP          COM                 826552101       47      650 SH       DEFINED                   650        0        0
SIMON PPTY GROUP INC NEW                        828806109       45      545 SH       SOLE                      545        0        0
SIMON PPTY GROUP INC NEW                        828806109       93     1122 SH       DEFINED                     0        0     1122
SIRIUS SATELLITE RADIO INC                      82966U103       14     3151 SH       SOLE                     3151        0        0
SKY FINL GROUP INC          COM                 83080P103      123     5237 SH       SOLE                     5237        0        0
SKYWORKS SOLUTIONS INC                          83088M102        1      210 SH       SOLE                      210        0        0
SMURFIT-STONE CONTAINER CORPCOM                 832727101        1      100 SH       SOLE                      100        0        0


                                       17




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
SNAP-ON INC (FORMERLY       SNAP-ON TOOLS CORP) 833034101        4      110 SH       SOLE                      110        0        0
SOLECTRON CORP              COM                 834182107        0      200 SH       DEFINED                   200        0        0
SOUTHERN CO                 COM                 842587107       64     2024 SH       SOLE                     1934        0       90
SOUTHWEST AIRLS CO          COM                 844741108        3      200 SH       DEFINED                   200        0        0
SPRINT NEXTEL CORP                              852061100      129     6480 SH       SOLE                     6480        0        0
SPRINT NEXTEL CORP                              852061100      253    12700 SH       DEFINED                   100        0    12600
STAPLES INC                 COM                 855030102     1760    72326 SH       SOLE                    66789        0     5537
STAPLES INC                 COM                 855030102       69     2835 SH       DEFINED                  2835        0        0
STARBUCKS CORP              COM                 855244109       87     2330 SH       SOLE                     2330        0        0
STARBUCKS CORP              COM                 855244109       30      810 SH       DEFINED                   810        0        0
STARWOOD HOTELS & RESORTS   WORLDWIDE INC COM   85590A401        4       80 SH       SOLE                       80        0        0
STARWOOD HOTELS & RESORTS   WORLDWIDE INC COM   85590A401        0        6 SH       DEFINED                     6        0        0
STATE STR CORP              COM                 857477103        2       40 SH       SOLE                       40        0        0
STATE STR CORP              COM                 857477103        5      100 SH       DEFINED                   100        0        0
STORA ENSO OYJ                                  86210M106        4      357 SH       DEFINED                   357        0        0
STRYKER CORP                                    863667101       42     1000 SH       DEFINED                  1000        0        0
SUFFOLK BANCORP             COM                 864739107      106     3244 SH       SOLE                     3244        0        0
SUN MICROSYSTEMS INC        COM                 866810104       20     4850 SH       SOLE                     3400        0     1450
SUN MICROSYSTEMS INC        COM                 866810104        1      250 SH       DEFINED                     0        0      250
SUNCOR ENERGY INC                               867229106        8      100 SH       SOLE                      100        0        0
SUNTRUST BKS INC            COM                 867914103      240     3160 SH       SOLE                     3160        0        0
SUNTRUST BKS INC            COM                 867914103       83     1100 SH       DEFINED                     0        0     1100
SUPERVALU INC               COM                 868536103        6      205 SH       SOLE                      205        0        0
SYMANTEC CORP               COM                 871503108        5      368 SH       SOLE                      368        0        0
SYMANTEC CORP               COM                 871503108        6      400 SH       DEFINED                     0        0      400
SYNOVUS FINL CORP           COM                 87161C105       18      675 SH       SOLE                        0        0      675
SYSCO CORP                  COM                 871829107       15      503 SH       SOLE                      503        0        0
TD BANKNORTH INC COM                            87235A101        4      147 SH       SOLE                      147        0        0
TECO ENERGY INC                                 872375100       22     1524 SH       SOLE                      824        0      700
TEPPCO PARTNERS LP                              872384102       17      500 SH       SOLE                      500        0        0
TARGET CORP                 COM                 87612E106     3788    77533 SH       SOLE                    72788        0     4745
TARGET CORP                 COM                 87612E106       76     1565 SH       DEFINED                  1565        0        0
TELECOM CORP NEW ZEALAND LTDSPONSORED ADR       879278208       15      791 SH       SOLE                      791        0        0


                                       18




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
TELLABS INC                 COM                 879664100       31     2380 SH       SOLE                     2380        0        0
TELLABS INC                 COM                 879664100        0       55 SH       DEFINED                    55        0        0
TEMPLETON GLOBAL INC FD                         880198106        7      900 SH       SOLE                      900        0        0
TENNECO INC COM                                 880349105        9      352 SH       SOLE                      352        0        0
TEVA PHARMA INDS ADR                            881624209        2       65 SH       DEFINED                    65        0        0
TEXAS INSTRS INC            COM                 882508104     1895    62576 SH       SOLE                    58391        0     4185
TEXAS INSTRS INC            COM                 882508104       60     2000 SH       DEFINED                   800        0     1200
TEXTRON INC                 COM                 883203101        0        4 SH       DEFINED                     4        0        0
THERMO ELECTRON CORP        COM                 883556102       36     1020 SH       SOLE                     1020        0        0
THORNBURG MORTGAGE INC                          885218107        2      100 SH       DEFINED                   100        0        0
3COM CORP                   COM                 885535104        4      800 SH       SOLE                      800        0        0
3M COMPANY COM                                  88579Y101     3975    49216 SH       SOLE                    45876        0     3340
3M COMPANY COM                                  88579Y101      534     6619 SH       DEFINED                  5619        0     1000
TIME WARNER INC             COM                 887317105      273    15805 SH       SOLE                    15475        0      330
TIME WARNER INC             COM                 887317105      142     8225 SH       DEFINED                   125        0     8100
TOMPKINS TRUSTCO INC                            890110109    41616   967831 SH       SOLE                   949795        0    18036
TOMPKINS TRUSTCO INC                            890110109     2539    59051 SH       DEFINED                 59051        0        0
TORCHMARK CORP              COM                 891027104       86     1420 SH       SOLE                     1420        0        0
TORONTO DOMINION BK ONT     COM NEW ADR         891160509        3       70 SH       SOLE                       70        0        0
TOYOTA MOTOR CORP ADR 2 COM                     892331307        1       10 SH       DEFINED                    10        0        0
TRONOX INC COMMON STOCK     CL B                897051207        0       47 SH       SOLE                       47        0        0
TYCO INTL LTD NEW COM                           902124106      140     5100 SH       SOLE                     5100        0        0
TYCO INTL LTD NEW COM                           902124106      214     7800 SH       DEFINED                     0        0     7800
U S B HLDG INC              COM                 902910108        6      292 SH       SOLE                      292        0        0
UST INC COM                                     902911106       23      511 SH       SOLE                      411        0      100
US BANCORP DEL              COM NEW             902973304       52     1700 SH       SOLE                     1700        0        0
UNILEVER PLC AMER SHS ADR                       904767704       24     1074 SH       SOLE                     1074        0        0
UNILEVER N V                N Y SHS NEW         904784709       24     1071 SH       SOLE                     1071        0        0
UNION PAC CORP              COM                 907818108      734     7900 SH       SOLE                     7900        0        0
UNION PAC CORP              COM                 907818108       92     1000 SH       DEFINED                     0        0     1000
UNITED PARCEL SERVICE INC   CL B                911312106     3746    45511 SH       SOLE                    43061        0     2450
UNITED PARCEL SERVICE INC   CL B                911312106       65      800 SH       DEFINED                   800        0        0
USX-U S STL                 COM                 912909108       12      174 SH       SOLE                      174        0        0


                                       19




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
UNITED TECHNOLOGIES CORP    COM                 913017109     3549    55976 SH       SOLE                    53301        0     2675
UNITED TECHNOLOGIES CORP    COM                 913017109       44      706 SH       DEFINED                   706        0        0
UNITED UTILS PLC            SPONSORED ADR       91311Q105       18      794 SH       SOLE                      794        0        0
UNITEDHEALTH GROUP INC                          91324P102     4080    91153 SH       SOLE                    86626        0     4527
UNITEDHEALTH GROUP INC                          91324P102      221     4950 SH       DEFINED                  1150        0     3800
UPM KYMMENE CORP            SPONSORED ADR       915436109       17      806 SH       SOLE                      806        0        0
V F CORP                    COM                 918204108       54      800 SH       SOLE                      800        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      132     1985 SH       SOLE                     1985        0        0
VAN KAMPEN AMERICAN CAPITAL MUNICIPAL TRUST     920919107       19     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE MUNCOM                 920929106       19     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE N JCOM                 920933108       37     2400          SOLE                     2400        0        0
VAN KAMPEN MUNICIPAL        OPPORTUNITY TR      920935103       19     1393          SOLE                     1393        0        0
VECTREN CORP COM                                92240G101       31     1170 SH       SOLE                     1170        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      749    22382 SH       SOLE                    20382        0     2000
VERIZON COMMUNICATIONS      COM                 92343V104        5      150 SH       DEFINED                   150        0        0
VIACOM INC NEW CL B                             92553P201       36     1028 SH       SOLE                     1028        0        0
VIACOM INC NEW CL B                             92553P201       36     1012 SH       DEFINED                   262        0      750
VISTEON CORP                COM                 92839U107        0       28 SH       SOLE                       28        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       46     2180 SH       SOLE                     2180        0        0
VOLTERRA SEMICONDUCTER CORP                     928708106       15     1000 SH       SOLE                     1000        0        0
WPP GROUP PLC SPONSORED     ADR NEW 9/05        929309409       72     1200 SH       DEFINED                     0        0     1200
WPS RESOURCES CORP          COM                 92931B106       14      300 SH       SOLE                      300        0        0
WACHOVIA CORP 2ND NEW COM                       929903102       85     1578 SH       SOLE                     1578        0        0
WACHOVIA CORP 2ND NEW COM                       929903102       60     1125 SH       DEFINED                    25        0     1100
WAL MART STORES INC         COM                 931142103     1879    39026 SH       SOLE                    35961        0     3065
WAL MART STORES INC         COM                 931142103      450     9350 SH       DEFINED                  9350        0        0
WALGREEN CO                 COM                 931422109      199     4459 SH       SOLE                     4459        0        0
WALGREEN CO                 COM                 931422109        0       20 SH       DEFINED                    20        0        0
WASTE MGMT INC DEL          COM                 94106L109      231     6456 SH       SOLE                     6456        0        0
WASTE MGMT INC DEL          COM                 94106L109      119     3325 SH       DEFINED                     0        0     3325
WELLPOINT INC COM                               94973V107      354     4875 SH       SOLE                     4875        0        0
WELLPOINT INC COM                               94973V107        3       47 SH       DEFINED                    47        0        0
WELLS FARGO & CO NEW        COM                 949746101     2613    38967 SH       SOLE                    36827        0     2140
WELLS FARGO & CO NEW        COM                 949746101       55      825 SH       DEFINED                   825        0        0


                                       20




                                                 FORM 13F INFORMATION TABLE

                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
    NAME OF ISSUER         TITLE OF CLASS         CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
-------------------------- --------------       --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                                 
WESTAR ENERGY INC           COM                 95709T100       23     1100 SH       SOLE                     1100        0        0
WEYERHAEUSER CO                                 962166104        5       85 SH       SOLE                       85        0        0
WHIRLPOOL CORP              COM                 963320106       90     1095 SH       SOLE                     1095        0        0
WHOLE FOODS MARKET INC                          966837106        0       10 SH       DEFINED                    10        0        0
WISCONSIN ENERGY CORP       COM                 976657106       13      325 SH       SOLE                      325        0        0
WORLD WRESTLING ENT INC                         98156Q108        0       50 SH       SOLE                       50        0        0
WRIGLEY WM JR CO            COM                 982526105        0       10 SH       SOLE                       10        0        0
WRIGLEY WM JR CO            COM                 982526105       35      787 SH       DEFINED                   787        0        0
WYETH                       COM                 983024100      468    10542 SH       SOLE                    10542        0        0
WYETH                       COM                 983024100      155     3500 SH       DEFINED                  1500        0     2000
XM SATELLITE RADIO HLDGS INCCL A                983759101        2      200 SH       SOLE                      200        0        0
XCEL ENERGY INC                                 98389B100       30     1611 SH       SOLE                     1011        0      600
XEROX CORP                  COM                 984121103       21     1556 SH       SOLE                     1556        0        0
YAHOO INC                   COM                 984332106      117     3565 SH       DEFINED                    65        0     3500

 GRAND TOTALS                                               298102  6893494                                6303046        0   590448



                                       21