UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                  SCHEDULE 13G

    Information to be included in statements filed pursuant to Rules 13d-1(b)
         and (c) and amendments thereto filed pursuant to Rule 13d-2(b)
                               (Amendment No. 4)*


                             TOMPKINS TRUSTCO, INC.
               --------------------------------------------------
                                (Name of Issuer)


                                  Common Stock
               --------------------------------------------------
                         (Title of Class of Securities)


                                   890110 10 9
                                 --------------
                                 (CUSIP Number)



         *        The remainder of this cover page shall be filled out for a
         reporting person's initial filing on this form with respect to the
         subject class of securities, and for any subsequent amendment
         containing information which would alter disclosures provided in a
         prior cover page.

         The information required on the remainder of this cover page shall not
         be deemed to be "filed" for the purpose of Section 18 of the Securities
         Exchange Act of 1934 or otherwise subject to the liabilities of that
         Section of the Act but shall be subject to all other provisions of the
         Act (however, see the Notes).


-----------------------------------           ----------------------------------
CUSIP No.                              13G                     Page 2 of 5 Pages
890110 10 9
-----------------------------------           ----------------------------------


--------------------------------------------------------------------------------
1.       NAME OF REPORTING PERSON
         I.R.S IDENTIFICATION NO. OF ABOVE PERSON (ENTITIES ONLY)

         Tompkins Trustco, Inc.
         Employee Stock Ownership Plan        EIN: 16-1601020
--------------------------------------------------------------------------------
2.       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*

         (a) [ ]           (b) [ ]
--------------------------------------------------------------------------------
3.       SEC USE ONLY

--------------------------------------------------------------------------------
4.       CITIZENSHIP OR PLACE OF ORGANIZATION

         United States
--------------------------------------------------------------------------------
                                    5.       SOLE VOTING POWER
           NUMBER OF                         454,861
            SHARES                  --------------------------------------------
         BENEFICIALLY               6.       SHARED VOTING POWER
         OWNED BY EACH                       0
           REPORTING                --------------------------------------------
            PERSON                  7.       SOLE DISPOSITIVE POWER
             WITH                            454,861
                                    --------------------------------------------
                                    8.       SHARED DISPOSITIVE POWER
                                             0
--------------------------------------------------------------------------------
9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

         454,861
--------------------------------------------------------------------------------
10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9)                   [ ]
         EXCLUDES CERTAIN SHARES*

--------------------------------------------------------------------------------
11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

         5.58%
--------------------------------------------------------------------------------
12.      TYPE OF REPORTING PERSON*

         EP
--------------------------------------------------------------------------------


         * SEE INSTRUCTIONS


                                                               Page 3 of 5 Pages


Item 1(a).   Name of Issuer:
             --------------

                  Tompkins Trustco, Inc.

Item 1(b).   Address of Issuer's Principal Executive Offices:
             -----------------------------------------------

                  The Commons, P.O. Box 460
                  Ithaca, NY 14851

Item 2(a).   Name of Person Filing:
             ---------------------

                  Tompkins Trustco, Inc.
                  Employee Stock Ownership Plan

Item 2(b).   Address of Principal Business Office, or, if None, Residence:
             ------------------------------------------------------------

                  Tompkins Trustco, Inc.
                  P.O. Box 460
                  Ithaca, NY 14851

Item 2(c).   Citizenship:
             -----------

                  United States

Item 2(d).   Title of Class of Securities:
             ----------------------------

                  Common Stock, par value $.10 par value

Item 2(e).   CUSIP Number:
             ------------

                  890110 10 9

Item 3.      If this statement is filed pursuant to Rules 13d-1(b) or 13d-2(b),
             ------------------------------------------------------------------
             check whether the person filing is a:
             ------------------------------------

                  [X]      Employee Benefit Plan, Pension Fund, which is subject
                  to the provisions of the Employee Retirement Income Security
                  Act of 1974 or Endowment Fund; See 13d-1(b)(1)(ii)(F).

Item 4(a).   Amount Beneficially Owned:
             -------------------------

                  454,861


                                                               Page 4 of 5 Pages


Item 4(b).   Percent of Class:
             ----------------

                  5.58%

Item 4(c).   Number of shares as to which such person has:
             --------------------------------------------

                  (i)      Sole power to vote or to direct the vote:
                           ----------------------------------------

                           454,861

                  (ii)     Shared power to vote or to direct the vote:
                           ------------------------------------------

                           0

                  (iii)    Sole power to dispose or to direct the disposition
                           --------------------------------------------------
                           of:
                           --

                           454,861

                  (iv)     Shared power to dispose or to direct the disposition
                           ----------------------------------------------------
                           of:
                           --

                           0

Item 5.      Ownership of Five Percent of Less of a Class:
             --------------------------------------------

                  Not applicable.

Item 6.      Ownership of More than Five Percent on Behalf of Another Person:
             ---------------------------------------------------------------

                  Not applicable.

Item 7.      Identification and Classification of the Subsidiary Which Acquired
             ------------------------------------------------------------------
             the Security Being Reported on by the Parent Holding Company:
             ------------------------------------------------------------

                  Not applicable.

Item 8.      Identification and Classification of Members of the Group:
             ---------------------------------------------------------

                  Not applicable.

Item 9.      Notice of Dissolution of Group:
             ------------------------------

                  Not applicable.




                                                               Page 5 of 5 Pages


Item 10.     Certification:
             -------------

                  By signing below I certify that, to the best of my knowledge
                  and belief, the securities referred to above were acquired in
                  the ordinary course of business and were not acquired to the
                  purpose of and do not have the effect of changing or
                  influencing the control of the issuer of such securities and
                  were not acquired in connection with or as a participant in
                  any transaction having such purpose or effect.





                                    SIGNATURE

         After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.




2/17/04
-------
Date




/s/ JAMES J. BYRNES
-------------------
Signature




James J. Byrnes / Chairman of the Board
Tompkins Trust Company, Trustee
-------------------------------
Name/Title