UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2003
Check here if Amendment [X]; Amendment Number: 1
-------
This Amendment (Check only one.): [X] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: NBT Bank, N.A.
Address: 52 South Broad Street
Norwich, New York 13815
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Form 13F File Number: 28-03594
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The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: /s/ David J. Hildebrandt
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Title: Vice President and Trust Officer
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Phone: (607) 337-6497
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Signature, Place, and Date of Signing:
/s/ David J. Hildebrandt Norwich, New York May 20, 2003
------------------------ ----------------- ------------
[Signature] [City, State] [Date]
Report Type (Check only one):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager: N/A
I am signing this report as required by the Securities Exchange Commission Act
of 1934.
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
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Form 13F Information Table Entry Total: 754
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Form 13F Information Table Value Total: $ 206,875
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(thousands)
AMENDMENT NO. 1 TO FORM 13F
This 13-F report is an amendment to restate the shares shown with a voting
authority of "none" on the 13F for NBT Bank, N.A. for the quarter ending March
31, 2003 as originally filed on May 12, 2003. When the report was filed, the
share voting authority of none was incorrectly presented.
All other amounts shown in the 13F report as originally filed for NBT Bank, N.A.
as of March 31, 2003 were correct and remain unchanged on this restated 13F
report.
List of Other Included Managers:
NONE
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
------------------------------ ---------------- --------- -------- ------- --- ---- ------- -------- ------ ------ ------
3COM CORP COM 885535104 2 500 SH SOLE 500 0 0
3M COMPANY COM 88579Y101 1910 14689 SH SOLE 13589 400 700
3M COMPANY COM 88579Y101 1333 10262 SH DEFINED 8162 300 1800
A C MOORE ARTS & CRAFTS INC COM 00086T103 13 1000 SH DEFINED 1000 0 0
A D C TELECOMMUNICATIONS COM 886101 0 325 SH SOLE 325 0 0
AAR CORP COM 361105 0 64 SH DEFINED 64 0 0
ABBOTT LABS COM 2824100 2347 62442 SH SOLE 60112 0 2330
ABBOTT LABS COM 2824100 595 15825 SH DEFINED 9500 3050 3275
ABERDEEN ASIA PACIFIC INCOM COM 3009107 5 1200 SH DEFINED 1200 0 0
ACM INCOME FUND COM 912105 15 1800 SH SOLE 1800 0 0
ADVANCED MICRO DEVICES INC COM 7903107 0 100 SH SOLE 100 0 0
AEGON N V ORD AMER REG 7924103 6 801 SH SOLE 801 0 0
AFFILIATED COMPUTER SVCS CL A 8190100 221 5000 SH DEFINED 5000 0 0
AFLAC INC COM 1055102 3 100 SH SOLE 0 0 100
AGERE SYSTEMS INC CL B 00845V209 7 4760 SH SOLE 4590 170 0
AGERE SYSTEMS INC CL B 00845V209 4 2767 SH DEFINED 2013 317 437
AGERE SYSTEMS INC CL A 00845V100 0 219 SH SOLE 209 6 4
AGERE SYSTEMS INC CL A 00845V100 0 99 SH DEFINED 74 12 13
AGILENT TECHNOLOGIES INC COM 00846U101 22 1738 SH SOLE 1548 0 190
AGILENT TECHNOLOGIES INC COM 00846U101 5 456 SH DEFINED 304 0 152
AGL RES INC COM 1204106 2 100 SH SOLE 100 0 0
AIR PRODS & CHEMS INC COM 9158106 16 400 SH SOLE 400 0 0
AIR PRODS & CHEMS INC COM 9158106 53 1300 SH DEFINED 1300 0 0
ALCATEL SPONSORED ADR 13904305 0 100 SH DEFINED 0 0 100
ALCOA INC COM 13817101 65 3379 SH SOLE 3379 0 0
ALCOA INC COM 13817101 3 190 SH DEFINED 190 0 0
ALLEGHENY ENERGY INC COM 17361106 5 950 SH SOLE 950 0 0
ALLEGHENY ENERGY INC COM 17361106 3 500 SH DEFINED 100 0 400
ALLEGHENY TECHNOLOGIES INC COM 01741R102 0 96 SH SOLE 96 0 0
ALLEGHENY TECHNOLOGIES INC COM 01741R102 0 4 SH DEFINED 4 0 0
ALLIANCE FINANCIAL CORP NY COM 19205103 84 2473 SH SOLE 2473 0 0
ALLIANCE FINANCIAL CORP NY COM 19205103 130 3834 SH DEFINED 2992 0 842
ALLIANCE PHARMACEUTICAL CORP COM NEW 18773309 0 400 SH SOLE 400 0 0
ALLIED CAP CORP NEW COM 01903Q108 19 969 SH SOLE 864 0 105
ALLIED CAP CORP NEW COM 01903Q108 20 1050 SH DEFINED 1050 0 0
ALLSTATE CORP COM 20002101 73 2214 SH SOLE 2214 0 0
ALLSTATE CORP COM 20002101 84 2546 SH DEFINED 1946 0 600
ALLTEL CORP COM 20039103 121 2705 SH SOLE 2605 0 100
ALLTEL CORP COM 20039103 37 827 SH DEFINED 227 600 0
AMER BIO MEDICA CORP COM 24600108 7 7000 SH SOLE 0 0 7000
AMERADA HESS CORP COM 23551104 7 168 SH DEFINED 0 0 168
AMEREN CORP COM 23608102 13 337 SH SOLE 337 0 0
AMERIANA BANCORP COM 23613102 18 1500 SH SOLE 1500 0 0
AMERICA MOVIL S A DE C V SPON ADR L SHS 02364W105 12 900 SH DEFINED 900 0 0
AMERICAN ECOLOGY CORP COM NEW 25533407 0 40 SH SOLE 40 0 0
AMERICAN ELEC PWR INC COM 25537101 10 453 SH SOLE 453 0 0
AMERICAN ELEC PWR INC COM 25537101 35 1551 SH DEFINED 1551 0 0
AMERICAN EXPRESS CO COM 25816109 223 6708 SH SOLE 6708 0 0
AMERICAN EXPRESS CO COM 25816109 105 3185 SH DEFINED 1260 150 1775
AMERICAN INTL GROUP INC COM 26874107 1769 35809 SH SOLE 35104 412 293
AMERICAN INTL GROUP INC COM 26874107 750 15187 SH DEFINED 12447 1084 1656
AMERICAN POWER CONV CORP COM 29066107 6 450 SH SOLE 450 0 0
AMERICAN POWER CONV CORP COM 29066107 7 510 SH DEFINED 400 0 110
AMERICREDIT CORP COM 03060R101 6 2000 SH SOLE 2000 0 0
AMGEN INC COM 31162100 646 11251 SH SOLE 11075 0 176
AMGEN INC COM 31162100 1600 27818 SH DEFINED 1600 0 26218
ANADARKO PETE CORP COM 32511107 59 1300 SH DEFINED 1173 0 127
ANDRX CORP COM 34553107 5 500 SH DEFINED 500 0 0
ANHEUSER BUSCH COS COM 35229103 346 7450 SH SOLE 7050 0 400
ANHEUSER BUSCH COS INC COM 35229103 196 4216 SH DEFINED 3912 100 204
ANNALY MTG MGMT INC COM 35710409 17 1000 SH DEFINED 1000 0 0
ANWORTH MORTGAGE ASSET CP COM 37347101 13 1000 SH DEFINED 1000 0 0
AOL TIME WARNER INC COM 00184A105 311 28714 SH SOLE 27654 360 700
AOL TIME WARNER INC COM 00184A105 70 6525 SH DEFINED 4650 1025 850
APPLE COMPUTER INC COM 37833100 9 700 SH SOLE 400 0 300
APPLE COMPUTER INC COM 37833100 2 200 SH DEFINED 200 0 0
APPLIED DIGITAL SOLUTIONS COM 38188108 2 5000 SH DEFINED 5000 0 0
APPLIED MATLS INC COM 38222105 0 54 SH SOLE 54 0 0
APPLIED MICRO CIRCUITS CORP COM 03822W109 2 700 SH SOLE 700 0 0
ARCH COAL INC COM 39380100 1 98 SH SOLE 98 0 0
ARCHER DANIELS MIDLAND CO COM 39483102 7 659 SH SOLE 659 0 0
ARCHER DANIELS MIDLAND CO COM 39483102 3 279 SH DEFINED 0 0 279
ARGONAUT GROUP INC COM 40157109 0 50 SH SOLE 50 0 0
ASTORIA FINL CORP COM 46265104 43 1860 SH DEFINED 1460 0 400
AT&T CORP COM 1957505 130 8052 SH SOLE 7240 215 597
AT&T CORP COM 1957505 57 3557 SH DEFINED 1843 677 1037
AT&T WIRELESS SVCS INC COM 00209A106 36 5550 SH SOLE 5053 0 497
AT&T WIRELESS SVCS INC COM 00209A106 24 3718 SH DEFINED 2510 462 746
AUTOLIV INC COM 52800109 704 35305 SH SOLE 32053 0 3252
AUTOLIV INC COM 52800109 390 19577 SH DEFINED 18140 1437 0
AUTOMATIC DATA PROCESSING COM 53015103 841 27315 SH SOLE 26615 400 300
AUTOMATIC DATA PROCESSING COM 53015103 492 16000 SH DEFINED 14400 1600 0
AVAYA INC COM 53499109 1 912 SH SOLE 859 0 53
AVAYA INC COM 53499109 1 953 SH DEFINED 651 158 144
AVENTIS SPONSORED ADR 53561106 22 500 SH DEFINED 500 0 0
AVNET INC COM 53807103 0 52 SH DEFINED 52 0 0
AXA SPONSORED ADR 54536107 1 122 SH SOLE 122 0 0
AXCELIS TECHNOLOGIES INC COM 54540109 2 589 SH DEFINED 589 0 0
BANCO SNTNDR CENT HISPANO ADR 05964H105 38 6120 SH DEFINED 6120 0 0
BANK NEW YORK INC COM 64057102 282 13830 SH SOLE 13830 0 0
BANK NEW YORK INC COM 64057102 248 12099 SH DEFINED 12099 0 0
BANK OF AMERICA CORPORATION COM 60505104 1692 25320 SH SOLE 25040 0 280
BANK OF AMERICA CORPORATION COM 60505104 211 3163 SH DEFINED 2694 150 319
BANK ONE CORP COM 06423A103 57 1662 SH SOLE 1662 0 0
BANKNORTH GROUP INC NEW COM 06646R107 17 803 SH DEFINED 803 0 0
BARRICK GOLD CORP COM 67901108 26 1684 SH SOLE 1684 0 0
BAXTER INTL INC COM 71813109 17 954 SH SOLE 954 0 0
BAXTER INTL INC COM 71813109 25 1382 SH DEFINED 1022 0 360
BEACON POWER CORP COM 73677106 0 302 SH SOLE 0 0 302
BECTON DICKINSON & CO COM 75887109 6 200 SH SOLE 200 0 0
BECTON DICKINSON & CO COM 75887109 51 1500 SH DEFINED 1500 0 0
BED BATH & BEYOND INC COM 75896100 61 1775 SH DEFINED 500 0 1275
BELLSOUTH CORP COM 79860102 1108 51183 SH SOLE 48783 0 2400
BELLSOUTH CORP COM 79860102 310 14322 SH DEFINED 12022 1200 1100
BERKSHIRE HATHAWAY INC DEL CL B 84670207 134 63 SH SOLE 63 0 0
BERKSHIRE HATHAWAY INC DEL CL B 84670207 134 63 SH DEFINED 63 0 0
BERKSHIRE HATHAWAY INC DEL CL A 84670108 127 2 SH DEFINED 2 0 0
BEST BUY INC COM 86516101 15 570 SH SOLE 570 0 0
BIOGEN INC COM 90597105 11 400 SH SOLE 100 0 300
BLACK & DECKER CORP COM 91797100 10 300 SH SOLE 300 0 0
BLACKROCK CORE BD TR SHS BEN INT 9249E101 48 3333 SH SOLE 3333 0 0
BLACKROCK NY INSD MUNI 2008 TERM TRUST 09247L107 16 1000 SOLE 1000 0 0
BLOCK H & R INC COM 93671105 12 300 SH SOLE 300 0 0
BOB EVANS FARMS COM 96761101 25 1064 SH DEFINED 0 0 1064
BOEING CO COM 97023105 440 17620 SH SOLE 16920 0 700
BOEING CO COM 97023105 251 10026 SH DEFINED 9126 900 0
BOWATER INC COM 102183100 1 40 SH DEFINED 0 0 40
BOWNE & CO INC COM 103043105 10 1027 SH SOLE 1027 0 0
BOWNE & CO INC COM 103043105 6 600 SH DEFINED 600 0 0
BP PLC SPONSORED ADR 55622104 2709 70223 SH SOLE 69959 264 0
BP PLC SPONSORED ADR 55622104 1020 26456 SH DEFINED 19919 1148 5389
BRISTOL MYERS SQUIBB CO COM 110122108 2442 115681 SH SOLE 111351 1350 2980
BRISTOL MYERS SQUIBB CO COM 110122108 1421 67303 SH DEFINED 50049 7054 10200
BROADWING INC COM 111620100 36 9031 SH SOLE 9031 0 0
BROADWING INC COM 111620100 21 5357 SH DEFINED 5357 0 0
BSB BANCORP COM 55652101 37 1721 SH SOLE 1721 0 0
BSB BANCORP COM 55652101 131 6124 SH DEFINED 987 4800 337
BURLINGTON NORTHN SANTA FE COM 12189T104 14 585 SH SOLE 585 0 0
BURLINGTON NORTHN SANTA FE COM 12189T104 7 300 SH DEFINED 300 0 0
BURLINGTON RES INC COM 122014103 9 205 SH DEFINED 125 0 80
CAMDEN PPTY TR SH BEN INT 133131102 18 558 SH DEFINED 558 0 0
CAMPBELL SOUP CO COM 134429109 90 4300 SH SOLE 3800 0 500
CANADIAN NAT RES LTD COM 136385101 1 44 SH SOLE 44 0 0
CARDINAL HEALTH INC COM 14149Y108 51 902 SH SOLE 902 0 0
CARDINAL HEALTH INC COM 14149Y108 35 616 SH DEFINED 341 0 275
CAREMARK RX INC COM 141705103 7 400 SH DEFINED 400 0 0
CARMAX INC COM 143130102 14 1000 SH SOLE 1000 0 0
CARNIVAL CORP COM 143658102 5 246 SH DEFINED 0 246 0
CATERPILLAR INC DEL COM 149123101 1071 21780 SH SOLE 21280 400 100
CATERPILLAR INC DEL COM 149123101 378 7688 SH DEFINED 7338 200 150
CELLTECH GROUP PLC SPONSORED ADR 151158102 1 201 SH SOLE 201 0 0
CENDANT CORP COM 151313103 12 1000 SH DEFINED 1000 0 0
CENTERPOINT ENERGY INC COM 15189T107 4 706 SH SOLE 706 0 0
CENTERPOINT ENERGY INC COM 15189T107 14 2000 SH DEFINED 0 2000 0
CENTRAL VT PUB SVC CORP COM 155771108 19 1106 SH SOLE 1106 0 0
CH ENERGY GROUP INC COM 12541M102 53 1283 SH SOLE 1133 0 150
CH ENERGY GROUP INC COM 12541M102 12 311 SH DEFINED 311 0 0
CHARTER ONE FINL INC COM 160903100 6 231 SH SOLE 0 0 231
CHARTER ONE FINL INC COM 160903100 33 1206 SH DEFINED 216 0 990
CHESAPEAKE ENERGY CORP COM 165167107 39 5000 SH DEFINED 5000 0 0
CHEVRONTEXACO CORP COM 166764100 2816 43566 SH SOLE 42608 508 450
CHEVRONTEXACO CORP COM 166764100 956 14790 SH DEFINED 9628 1573 3589
CHIRON CORP COM 170040109 24 648 SH DEFINED 648 0 0
CHITTENDEN CORP COM 170228100 7 300 SH SOLE 300 0 0
CHUBB CORP COM 171232101 1 45 SH SOLE 45 0 0
CIBER INC COM 17163B102 19 4000 SH DEFINED 4000 0 0
CIENA CORP COM 171779101 3 900 SH DEFINED 0 900 0
CIGNA CORP COM 125509109 285 6250 SH SOLE 6250 0 0
CIGNA CORP COM 125509109 41 900 SH DEFINED 900 0 0
CINERGY CORP COM 172474108 10 315 SH SOLE 315 0 0
CISCO SYS INC COM 17275R102 948 73126 SH SOLE 71171 755 1200
CISCO SYS INC COM 17275R102 386 29790 SH DEFINED 19630 1000 9160
CITIGROUP INC COM 172967101 1804 52373 SH SOLE 51021 400 952
CITIGROUP INC COM 172967101 1130 32824 SH DEFINED 25843 2412 4569
CITIZENS COMMUNICATIONS CO COM 17453B101 11 1111 SH DEFINED 1111 0 0
CMS ENERGY CORP COM 125896100 2 606 SH DEFINED 606 0 0
COCA COLA CO COM 191216100 2819 69679 SH SOLE 66949 550 2180
COCA COLA CO COM 191216100 1016 25129 SH DEFINED 18354 1800 4975
COEUR D'ALENE MINES CORP COM 192108108 0 24 SH DEFINED 0 0 24
COLGATE PALMOLIVE CO COM 194162103 1548 28455 SH SOLE 26855 600 1000
COLGATE PALMOLIVE CO COM 194162103 563 10348 SH DEFINED 7648 0 2700
COLONIAL PPTYS TR COM SH BEN INT 195872106 28 850 SH DEFINED 850 0 0
COMCAST CORP CL A SPL 20030N200 27 986 SH SOLE 836 0 150
COMCAST CORP CL A 20030N101 476 16686 SH SOLE 15375 348 963
COMCAST CORP CL A 20030N101 171 5995 SH DEFINED 3282 1093 1620
COMMERCIAL NET LEASE RLTY COM 202218103 84 5600 SH SOLE 5600 0 0
COMMERCIAL NET LEASE RLTY COM 202218103 10 700 SH DEFINED 0 0 700
COMPUTER SCIENCES CORP COM 205363104 2 65 SH SOLE 65 0 0
CONAGRA FOODS INC COM 205887102 116 5800 SH SOLE 5800 0 0
CONCORD EFS INC COM 206197105 0 14 SH SOLE 14 0 0
CONCORD EFS INC COM 206197105 37 4000 SH DEFINED 4000 0 0
CONOCOPHILLIPS COM 20825C104 26 501 SH SOLE 501 0 0
CONSOLIDATED EDISON INC COM 209115104 228 5952 SH SOLE 5952 0 0
CONSOLIDATED EDISON INC COM 209115104 42 1103 SH DEFINED 800 0 303
CONSTELLATION ENERGY GROUP I COM 210371100 16 600 SH SOLE 600 0 0
CONVERGYS CORP COM 212485106 80 6081 SH SOLE 6081 0 0
COOPER INDS LTD CL A COM G24182100 17 500 SH DEFINED 0 0 500
CORN PRODS INTL INC COM 219023108 12 425 SH DEFINED 225 50 150
CORNING INC COM 219350105 55 9727 SH SOLE 9727 0 0
CORNING INC COM 219350105 20 3539 SH DEFINED 2339 0 1200
CORPORATE OFFICE PPTYS TR SH BEN INT 22002T108 96 6500 SH DEFINED 0 0 6500
CORRECTIONS CORP AMER NEW COM NEW 22025Y407 0 26 SH DEFINED 26 0 0
CORRECTIONS CORP AMER NEW PFD CV B 12% 22025Y308 0 13 SH DEFINED 13 0 0
CORUS GROUP PLC SPONSORED ADR 22087M101 0 400 SH DEFINED 400 0 0
COSTCO WHSL CORP NEW COM 22160K105 4 150 SH DEFINED 0 0 150
COTT CORP QUE COM 22163N106 5 300 SH SOLE 300 0 0
COVANCE INC COM 222816100 1 75 SH DEFINED 75 0 0
CREDIT STORE INC COM (CHPTR 07) 22539C107 21 21065 SH SOLE 21065 0 0
CSX CORP COM 126408103 136 4800 SH SOLE 4800 0 0
CURTISS WRIGHT CORP CL B 231561408 0 6 SH SOLE 6 0 0
CVS CORP COM 126650100 11 500 SH DEFINED 500 0 0
CYTEC INDS INC COM 232820100 1 45 SH DEFINED 45 0 0
DAIMLERCHRYSLER AG ORD D1668R123 14 490 SH SOLE 490 0 0
DAIMLERCHRYSLER AG ORD D1668R123 15 525 SH DEFINED 525 0 0
DANA CORP COM 235811106 6 932 SH SOLE 932 0 0
DARDEN RESTAURANTS INC COM 237194105 8 492 SH SOLE 492 0 0
DEERE & CO COM 244199105 187 4800 SH SOLE 4800 0 0
DEERE & CO COM 244199105 98 2500 SH DEFINED 2500 0 0
DEL MONTE FOODS CO COM 24522P103 164 22101 SH SOLE 21700 0 401
DEL MONTE FOODS CO COM 24522P103 50 6810 SH DEFINED 3324 1080 2406
DELAWARE GROUP DIVIDEND COM 245915103 5 500 SH SOLE 500 0 0
DELL COMPUTER CORP COM 247025109 987 36172 SH SOLE 35672 200 300
DELL COMPUTER CORP COM 247025109 492 18050 SH DEFINED 11600 200 6250
DELPHI CORP COM 247126105 28 4103 SH SOLE 3967 0 136
DELPHI CORP COM 247126105 21 3160 SH DEFINED 1534 69 1557
DELUXE CORP COM 248019101 60 1500 SH DEFINED 1000 0 500
DILLARDS INC CL A 254067101 2 200 SH SOLE 200 0 0
DISNEY WALT CO COM 254687106 607 35710 SH SOLE 35710 0 0
DISNEY WALT CO COM 254687106 275 16212 SH DEFINED 6500 0 9712
DNP SELECT INCOME FUND INC COM 23325P104 5 600 SH SOLE 600 0 0
DNP SELECT INCOME FUND INC COM 23325P104 19 2000 SH DEFINED 2000 0 0
DOMINION RES INC VA NEW COM 25746U109 964 17424 SH SOLE 17424 0 0
DOMINION RES INC VA NEW COM 25746U109 474 8564 SH DEFINED 5154 2760 650
DONNELLEY R R & SONS CO COM 257867101 1 100 SH DEFINED 0 0 100
DOVER CORP COM 260003108 663 27400 SH SOLE 27000 0 400
DOVER CORP COM 260003108 159 6600 SH DEFINED 3600 400 2600
DOW CHEM CO COM 260543103 818 29642 SH SOLE 28742 300 600
DOW CHEM CO COM 260543103 467 16936 SH DEFINED 12036 300 4600
DPL INC COM 233293109 3 300 SH SOLE 300 0 0
DPL INC COM 233293109 11 930 SH DEFINED 930 0 0
DQE INC COM 23329J104 3 300 SH SOLE 300 0 0
DTE ENERGY CO COM 233331107 2 70 SH DEFINED 70 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1644 42314 SH SOLE 42114 100 100
DU PONT E I DE NEMOURS & CO COM 263534109 1219 31391 SH DEFINED 24205 1974 5212
DUKE ENERGY CORP COM 264399106 209 14400 SH SOLE 13100 1000 300
DUKE ENERGY CORP COM 264399106 122 8431 SH DEFINED 5631 2000 800
DUN & BRADSTREET CORP NEW COM 26483E100 76 2000 SH SOLE 2000 0 0
DUN & BRADSTREET CORP NEW COM 26483E100 7 200 SH DEFINED 0 0 200
DYNEGY INC NEW CL A 26816Q101 1 500 SH DEFINED 500 0 0
E M C CORP MASS COM 268648102 85 11889 SH SOLE 11889 0 0
E M C CORP MASS COM 268648102 30 4275 SH DEFINED 3375 900 0
EASTMAN CHEM CO COM 277432100 28 968 SH SOLE 968 0 0
EASTMAN CHEM CO COM 277432100 9 335 SH DEFINED 233 0 102
EASTMAN KODAK CO COM 277461109 236 7995 SH SOLE 7995 0 0
EASTMAN KODAK CO COM 277461109 81 2763 SH DEFINED 2197 0 566
EATON CORP COM 278058102 34 500 SH DEFINED 500 0 0
EATON VANCE NY MUNICIPAL INCOME TRUST 27826W104 93 6400 SOLE 0 0 6400
ECHOSTAR COMMUNICATIONS NEW CL A 278762109 89 3110 SH DEFINED 3000 0 110
EDISON INTL COM 281020107 33 2482 SH SOLE 2482 0 0
EDISON INTL COM 281020107 15 1100 SH DEFINED 600 0 500
EDWARDS LIFESCIENCES CORP COM 28176E108 12 439 SH DEFINED 433 0 6
EFUNDS CORP COM 28224R101 5 827 SH DEFINED 551 0 276
EL PASO CORP DEL COM 28336L109 3 600 SH DEFINED 600 0 0
ELAN PLC ADR 284131208 2 1000 SH DEFINED 1000 0 0
ELECTRONIC DATA SYS NEW COM 285661104 89 5086 SH SOLE 4786 0 300
ELECTRONIC DATA SYS NEW COM 285661104 18 1044 SH DEFINED 408 0 636
EMERSON ELEC CO COM 291011104 268 5932 SH SOLE 5932 0 0
EMERSON ELEC CO COM 291011104 401 8852 SH DEFINED 7852 1000 0
ENCANA CORP COM 292505104 129 4000 SH DEFINED 4000 0 0
ENERGY EAST CORP COM 29266M109 480 27005 SH SOLE 25005 0 2000
ENERGY EAST CORP COM 29266M109 364 20485 SH DEFINED 13901 2710 3874
ENERPLUS RES FD UNIT TR G NEW 29274D604 19 1000 SH DEFINED 1000 0 0
ENTERGY CORP NEW COM 29364G103 257 5350 SH SOLE 5200 0 150
ENTERGY CORP NEW COM 29364G103 144 3000 SH DEFINED 2000 1000 0
EQUITY RESIDENTIAL (REIT) SH BEN INT 29476L107 4 200 SH SOLE 200 0 0
ERICSSON LM TEL SPON ADR 294821608 8 1408 SH SOLE 1408 0 0
ERICSSON LM TEL SPON ADR 294821608 30 4736 SH DEFINED 4736 0 0
EXELON CORP COM 30161N101 45 900 SH SOLE 900 0 0
EXELON CORP COM 30161N101 10 200 SH DEFINED 0 200 0
EXXON MOBIL CORP COM 30231G102 7370 210881 SH SOLE 202897 1000 6984
EXXON MOBIL CORP COM 30231G102 4533 129735 SH DEFINED 91566 14173 23996
FEDERAL NATL MTG ASSN COM 313586109 2726 41725 SH SOLE 39795 1050 880
FEDERAL NATL MTG ASSN COM 313586109 1431 21911 SH DEFINED 17436 400 4075
FEDERATED DEPT STORES INC COM 31410H101 1 70 SH DEFINED 0 0 70
FEDEX CORP COM 31428X106 75 1375 SH SOLE 1225 0 150
FEDEX CORP COM 31428X106 165 3000 SH DEFINED 3000 0 0
FIFTH THIRD BANCORP COM 316773100 2 53 SH SOLE 53 0 0
FIRST ALBANY COS INC COM 318465101 125 16227 SH DEFINED 11142 5085 0
FIRST DATA CORP COM 319963104 455 12310 SH SOLE 12010 0 300
FIRST DATA CORP COM 319963104 234 6340 SH DEFINED 6200 0 140
FIRSTENERGY CORP COM 337932107 28 904 SH SOLE 904 0 0
FISERV INC COM 337738108 37 1200 SH SOLE 1200 0 0
FLEETBOSTON FINL CORP COM 339030108 299 12528 SH SOLE 12128 0 400
FLEETBOSTON FINL CORP COM 339030108 102 4282 SH DEFINED 3936 346 0
FLUOR CORP NEW COM 343412102 20 600 SH DEFINED 0 0 600
FORD MTR CO DEL COM PAR $0.01 345370860 388 51671 SH SOLE 50871 200 600
FORD MTR CO DEL COM PAR $0.01 345370860 185 24708 SH DEFINED 18289 1200 5219
FOREST LABS INC COM 345838106 507 9400 SH SOLE 9400 0 0
FOREST LABS INC COM 345838106 64 1200 SH DEFINED 1200 0 0
FORTUNE BRANDS INC COM 349631101 162 3800 SH SOLE 3800 0 0
FORTUNE BRANDS INC COM 349631101 21 500 SH DEFINED 500 0 0
FPL GROUP INC COM 302571104 1057 17940 SH SOLE 17540 0 400
FPL GROUP INC COM 302571104 429 7289 SH DEFINED 6239 0 1050
FRANKLIN RES INC COM 354613101 9 300 SH DEFINED 300 0 0
FREEPORT-MCMORAN CPR & GLD CL B 35671D857 3 200 SH SOLE 200 0 0
GABELLI EQUITY TRUST FUND COM 362397101 10 1511 SH SOLE 1511 0 0
GABELLI UTILITY TRUST FUND COM 36240A101 1 142 SH SOLE 142 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 107 2801 SH SOLE 2801 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 11 300 SH DEFINED 300 0 0
GANNETT INC COM 364730101 14 200 SH SOLE 200 0 0
GANNETT INC COM 364730101 16 230 SH DEFINED 0 0 230
GAP INC DEL COM 364760108 1 75 SH SOLE 75 0 0
GAP INC DEL COM 364760108 1 120 SH DEFINED 0 0 120
GENENTECH INC COM NEW 368710406 14 400 SH SOLE 100 0 300
GENERAL DYNAMICS CORP COM 369550108 2 45 SH SOLE 45 0 0
GENERAL DYNAMICS CORP COM 369550108 126 2300 SH DEFINED 2300 0 0
GENERAL ELEC CO COM 369604103 8306 325733 SH SOLE 317383 2200 6150
GENERAL ELEC CO COM 369604103 5103 200134 SH DEFINED 144714 12900 42520
GENERAL MILLS INC COM 370334104 297 6536 SH SOLE 6536 0 0
GENERAL MILLS INC COM 370334104 91 2000 SH DEFINED 2000 0 0
GENERAL MTRS CORP CL H NEW 370442832 3 306 SH DEFINED 306 0 0
GENERAL MTRS CORP COM 370442105 459 13673 SH SOLE 13223 0 450
GENERAL MTRS CORP COM 370442105 267 7970 SH DEFINED 4262 100 3608
GENUINE PARTS CO COM 372460105 73 2395 SH SOLE 2395 0 0
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