TRUSTCO BANK (Form Type: 13F-HR, Filing Date: 03/03/2005)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 12/31/2004 Check here if Amendment [ ]Amendment Number: This Amendment [ ]is a restatement Institutional Investment Manager Filing this Report: Name: TRUSTCO BANK Address: 3 SARNOWSKI DRIVE GLENVILLE, NY 12302 13F File Number: 28-10307 The institutional investment Manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: RICHARD PROVOST Title: TRUST OFFICER Phone: 518-381-1233 Signature, Place, and Date of Signing: TRUSTCO BANK GLENVILLE, NY 03/03/2005 Report Type (Check only one) [X]13F HOLDINGS REPORT [ ]13F COMBINATION REPORT I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT 0 1934. 1

<TABLE> <CAPTION> FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL <S> <C> <C> <C> <C> <C> <C> ABBOTT LABORATORIES COMMON STOCK 002824100 3091 66252 SH DEFINED 20 63652 400 2200 ABBOTT LABORATORRIE COMMON STOCK 002824100 412 8826 SH DEF/OTH 20 5226 2600 1000 AIR PRODUCTS COMMON STOCK 009158106 1144 19728 SH DEFINED 20 19728 ALCOA INC COMMON STOCK 013817101 2778 88400 SH DEFINED 20 87800 200 400 ALCOA INC COMMON STOCK 013817101 101 3200 SH DEF/OTH 20 2200 1000 ALLSTATE CORP COMMON STOCK 020002101 711 13750 SH DEFINED 20 13750 ALLSTATE CORP COMMON STOCK 020002101 73 1408 SH DEF/OTH 20 570 738 100 ALTRIA GROUP INC COMMON STOCK 02209S103 53 870 SH DEFINED 20 870 ALTRIA GROUP INC COMMON STOCK 02209S103 373 6100 SH DEF/OTH 20 6100 AMERICAN EXPRESS COMMON STOCK 025816109 2880 51095 SH DEFINED 20 49395 200 1500 AMERICAN EXPRESS COMMON STOCK 025816109 248 4400 SH DEF/OTH 20 3000 1200 200 AMERICAN INTERNAT COMMON STOCK 026874107 803 12232 SH DEFINED 20 12132 100 AMERICAN INTERNAT COMMON STOCK 026874107 26 400 SH DEF/OTH 20 300 100 AMGEN INC COMMON STOCK 031162100 1203 18750 SH DEFINED 20 18450 200 100 AMGEN INC COMMON STOCK 031162100 173 2700 SH DEF/OTH 20 1800 500 400 ANHEUSER BUSCH COMMON STOCK 035229103 1059 20880 SH DEFINED 20 20880 ANHEUSER BUSCH COMMON STOCK 035229103 167 3300 SH DEF/OTH 20 100 3200 APPLIED MATERIAL COMMON STOCK 038222105 448 26200 SH DEFINED 20 23000 3200 APPLIED MATERIAL COMMON STOCK 038222105 68 4000 SH DEF/OTH 20 4000 ARGONAUT GROUP COMMON STOCK 040157109 1136 53747 SH DEFINED 20 53747 AVON PRODUCTS INC COMMON STOCK 054303102 313 8100 SH DEFINED 20 8100 BP PLC FOREIGN STOCK 055622104 3261 55846 SH DEFINED 20 55746 100 BP PLC FOREIGN STOCK 055622104 772 13218 SH DEF/OTH 20 9514 3604 100 BAKER HUGHES INC COMMON STOCK 057224107 279 6550 SH DEFINED 20 6550 BAKER HUGHES INC COMMON STOCK 057224107 17 400 SH DEF/OTH 20 100 300 BANK AMERICA CORP COMMON STOCK 060505104 996 21192 SH DEFINED 20 21192 BANK AMERICA CORP COMMON STOCK 060505104 167 3554 SH DEF/OTH 20 1000 2554 BANK OF NEW YORK COMMON STOCK 064057102 929 27800 SH DEFINED 20 27800 BELLSOUTH CORP COMMON STOCK 079860102 1275 45886 SH DEFINED 20 45686 200 BELLSOUTH CORP COMMON STOCK 079860102 326 11722 SH DEF/OTH 20 6868 3132 1722 BRISTOL-MYERS COMMON STOCK 110122108 1023 39931 SH DEFINED 20 34631 4800 500 BRISTOL-MYERS COMMON STOCK 110122108 428 16700 SH DEF/OTH 20 6200 10200 300 CHEVRONTEXACO COMMON STOCK 166764100 2705 51518 SH DEFINED 20 47918 1200 2400 CHEVRONTEXACO COMMON STOCK 166764100 133 2540 SH DEF/OTH 20 400 1340 800 CISCO SYSTEMS INC COMMON STOCK 17275R102 3028 156735 SH DEFINED 20 155535 600 600 CISCO SYSTEMS INC COMMON STOCK 17275R102 325 16800 SH DEF/OTH 20 15300 1000 500 CITIGROUP INC COMMON STOCK 172967101 3211 66641 SH DEFINED 20 66441 200 CITIGROUP INC COMMON STOCK 172967101 265 5500 SH DEF/OTH 20 3100 1700 700 COCA COLA CO COMMON STOCK 191216100 3922 94199 SH DEFINED 20 94099 100 COCA COLA CO COMMON STOCK 191216100 750 18000 SH DEF/OTH 20 13400 4600 COLGATE PALMOLIVE COMMON STOCK 194162103 2531 49476 SH DEFINED 20 48976 500 COLGATE PALMOLIVE COMMON STOCK 194162103 179 3500 SH DEF/OTH 20 3300 200 CURTISS WRIGHT COMMON STOCK 231561408 1810 32176 SH DEFINED 20 32176 DELL INC COMMON STOCK 24702R101 2010 47700 SH DEFINED 20 47700 DELL INC COMMON STOCK 24702R101 114 2700 SH DEF/OTH 20 2000 200 500 DISNEY WALT CO COMMON STOCK 254687106 2125 76433 SH DEFINED 20 70833 3200 2400 DISNEY WALT CO COMMON STOCK 254687106 289 10400 SH DEF/OTH 20 7300 3000 100 DOW CHEMICAL CO COMMON STOCK 260543103 626 12650 SH DEFINED 20 12650 DOW CHEMICAL CO COMMON STOCK 260543103 120 2425 SH DEF/OTH 20 1925 500 DU PONT E I DE COMMON STOCK 263534109 1934 39436 SH DEFINED 20 35450 1886 2100 DU PONT E I DE COMMON STOCK 263534109 216 4410 SH DEF/OTH 20 1560 2450 400 ECOLAB INC COMMON STOCK 278865100 516 14700 SH DEFINED 20 13700 1000 ECOLAB INC COMMON STOCK 278865100 14 400 SH DEF/OTH 20 400 EMERSON ELECTRIC COMMON STOCK 291011104 428 6100 SH DEFINED 20 6100 EMERSON ELECTRIC COMMON STOCK 291011104 196 2800 SH DEF/OTH 20 400 2400 EQUITABLE RESOURCES COMMON STOCK 294549100 307 5060 SH DEFINED 20 5060 EXCELSIOR TAX MUTUAL 300861408 198 22374 SH DEFINED 20 22374 EXELON CORP COMMON STOCK 30161N101 238 5400 SH DEFINED 20 5400 EXELON CORP COMMON STOCK 30161N101 18 400 SH DEF/OTH 20 400 EXXON MOBIL CORP COMMON STOCK 30231G102 11012 214817 SH DEFINED 20 195681 14272 4864 EXXON MOBIL CORP COMMON STOCK 30231G102 1744 34028 SH DEF/OTH 20 14376 15496 4156 FPL GROUP INC COMMON STOCK 302571104 494 6609 SH DEFINED 20 6609 FEDERAL NATIONAL COMMON STOCK 313586109 2863 40200 SH DEFINED 20 40200 FEDERAL NATIONAL COMMON STOCK 313586109 142 2000 SH DEF/OTH 20 1700 300 FIDELITY MUTUAL 315902205 714 58885 SH DEFINED 20 58885 FIFTH THIRD BANK COMMON STOCK 316773100 1221 25810 SH DEFINED 20 25410 200 200 FIFTH THIRD BANK COMMON STOCK 316773100 118 2500 SH DEF/OTH 20 900 500 1100 FIRST DATA CORP COMMON STOCK 319963104 1553 36500 SH DEFINED 20 35300 200 1000 FIRST DATA CORP COMMON STOCK 319963104 162 3800 SH DEF/OTH 20 3000 500 300 FRANKLIN N Y TAX MUTUAL 354130106 45 3782 SH DEFINED 20 3782 FRANKLYN N Y TAX MUTUAL 354130106 146 12191 SH DEF/OTH 20 12191 GENERAL ELECTRIC COMMON STOCK 369604103 37457 1026220 SH DEFINED 20 978671 35189 12360 GENERAL ELECTRIC COMMON STOCK 369604103 12829 351478 SH DEF/OTH 20 225577 54251 71650 GENERAL MILLS INC COMMON STOCK 370334104 453 9120 SH DEFINED 20 9120 GENERAL MILLS INC COMMON STOCK 370334104 179 3600 SH DEF/OTH 20 3600 GILLETTE CO COMMON STOCK 375766102 716 15980 SH DEFINED 20 15580 400 GILLETTE CO COMMON STOCK 375766102 134 3000 SH DEF/OTH 20 2000 800 200 GLAXOSMITHKLINE FOREIGN STOCK 37733W105 161 3400 SH DEFINED 20 3400 GLAXOSMITHKLINE FOREIGN STOCK 37733W105 162 3427 SH DEF/OTH 20 2627 800 HEWLETT PACKARD CO COMMON STOCK 428236103 267 12747 SH DEFINED 20 12747 HEWLETT PACKARD CO COMMON STOCK 428236103 55 2600 SH DEF/OTH 20 2600 HOME DEPOT INC COMMON STOCK 437076102 1279 29925 SH DEFINED 20 28525 100 1300 HOME DEPOT INC COMMON STOCK 437076102 50 1175 SH DEF/OTH 20 475 600 100 INTEL CORP COMMON STOCK 458140100 5349 228708 SH DEFINED 20 224308 200 4200 INTEL CORP COMMON STOCK 458140100 465 19868 SH DEF/OTH 20 14750 2200 2918 INTERN. BUSINESS COMMON STOCK 459200101 5446 55247 SH DEFINED 20 54047 1200 INTERN. BUSINESS COMMON STOCK 459200101 362 3675 SH DEF/OTH 20 175 3500 JPMORGAN CHASE & CO COMMON STOCK 46625H100 1466 37592 SH DEFINED 20 37064 264 264 JPMORGAN CHASE & CO COMMON STOCK 46625H100 282 7232 SH DEF/OTH 20 4266 2966 JACOBS ENGINEERING COMMON STOCK 469814107 301 6300 SH DEFINED 20 6200 100 JACOBS ENGINEERING COMMON STOCK 469814107 10 200 SH DEF/OTH 20 200 JENSEN PORTFOLIO MUTUAL FUND STOCK 476313101 1510 62017 SH DEFINED 20 61183 834 JENSEN PORTFOLIO MUTUAL FUND STOCK 476313101 38 1577 SH DEF/OTH 20 227 1350 JOHNSON & JOHNSON COMMON STOCK 478160104 7530 118740 SH DEFINED 20 118140 400 200 JOHNSON & JOHNSON COMMON STOCK 478160104 877 13825 SH DEF/OTH 20 9475 3100 1250 JOHNSON CONTROLS COMMON STOCK 478366107 952 15000 SH DEFINED 20 15000 JOHNSON CONTROLS COMMON STOCK 478366107 70 1100 SH DEF/OTH 20 200 800 100 KEYCORP COMMON STOCK 493267108 2247 66274 SH DEFINED 20 66274 KIMBERLY CLARK CORP COMMON STOCK 494368103 237 3600 SH DEFINED 20 3600 KIMBERLY CLARK CORP COMMON STOCK 494368103 7 100 SH DEF/OTH 20 100 LINCOLN NATIONAL COMMON STOCK 534187109 283 6064 SH DEFINED 20 6064 LINCOLN NATIONAL COMMON STOCK 534187109 145 3100 SH DEF/OTH 20 3100 LOWES COS COMMON STOCK 548661107 1077 18700 SH DEFINED 20 18700 LOWES COS COMMON STOCK 548661107 160 2775 SH DEF/OTH 20 2375 200 200 MASCO CORP COMMON STOCK 574599106 405 11100 SH DEFINED 20 11100 MASCO CORP COMMON STOCK 574599106 62 1700 SH DEF/OTH 20 200 1300 200 MCDONALDS CORP COMMON STOCK 580135101 253 7899 SH DEFINED 20 7899 MCDONALDS CORP COMMON STOCK 580135101 96 3000 SH DEF/OTH 20 3000 MCGRAW HILL COS COMMON STOCK 580645109 2710 29600 SH DEFINED 20 29500 100 MCGRAW HILL COS COMMON STOCK 580645109 128 1400 SH DEF/OTH 20 1000 200 200 MEDTRONIC INC COMMON STOCK 585055106 4377 88126 SH DEFINED 20 83626 700 3800 MEDTRONIC INC COMMON STOCK 585055106 253 5100 SH DEF/OTH 20 4500 300 300 MERCK & CO INC COMMON STOCK 589331107 296 9200 SH DEFINED 20 9200 MERCK & CO INC COMMON STOCK 589331107 96 3000 SH DEF/OTH 20 3000 MICROSOFT CORP COMMON STOCK 594918104 7221 270264 SH DEFINED 20 257364 800 12100 MICROSOFT CORP COMMON STOCK 594918104 657 24600 SH DEF/OTH 20 21100 2600 900 MOTOROLA INC COMMON STOCK 620076109 637 37050 SH DEFINED 20 36450 600 MOTOROLA INC COMMON STOCK 620076109 115 6700 SH DEF/OTH 20 6300 400 N B T BANCORP INC COMMON STOCK 628778102 715 27808 SH DEFINED 20 672 27136 NASDAQ 100 TRUST MUTUAL FUND STOCK 631100104 1098 27500 SH DEF/OTH 20 22000 5500 NOKIA CORP FOREIGN STOCK 654902204 528 33665 SH DEFINED 20 33665 ORACLE CORP COMMON STOCK 68389X105 233 16950 SH DEFINED 20 16850 100 PEPSICO INC COMMON STOCK 713448108 5176 99150 SH DEFINED 20 96400 1250 1500 PEPSICO INC COMMON STOCK 713448108 371 7100 SH DEF/OTH 20 2500 4400 200 PFIZER INC COMMON STOCK 717081103 3519 130851 SH DEFINED 20 126971 1780 2100 PFIZER INC COMMON STOCK 717081103 305 11326 SH DEF/OTH 20 2566 7260 1500 PROCTER & GAMBLE COMMON STOCK 742718109 6884 124974 SH DEFINED 20 120974 400 3600 PROCTER & GAMBLE COMMON STOCK 742718109 993 18028 SH DEF/OTH 20 7500 9328 1200 PUTNAM NY TAX EXEMT MUTUAL FUNDS BOND 74683Q309 22 2465 SH DEFINED 20 2465 PUTNAM NY TAX EXEMT MUTUAL FUNDS BOND 74683Q309 123 13907 SH DEF/OTH 20 13907 ROCHESTER FUND MUNI MUTUAL FUNDS BOND 771362100 226 12699 SH DEFINED 20 12699 TOCHESTER FUND MUNI MUTUAL FUNDS BOND 771362100 100 5610 SH DEF/OTH 20 5610 ROYAL DUTCH PETROL. FOREIGN STOCK 780257804 1498 26100 SH DEFINED 20 25900 200 ROYAL DUTCH PETROL. FOREIGN STOCK 780257804 172 3000 SH DEF/OTH 20 2100 500 400 SBC COMMUNICATIONS COMMON STOCK 78387G103 869 33703 SH DEFINED 20 33703 SBC COMMUNICATIONS COMMON STOCK 78387G103 202 7854 SH DEF/OTH 20 3860 2464 1530 SARA LEE CORP COMMON STOCK 803111103 594 24600 SH DEFINED 20 22200 400 2000 SARA LEE CORP COMMON STOCK 803111103 19 800 SH DEF/OTH 20 400 400 SCHERING PLOUGH COMMON STOCK 806605101 349 16700 SH DEFINED 20 16700 SCHERING PLOUGH COMMON STOCK 806605101 90 4300 SH DEF/OTH 20 4300 SCHLUMBERGER LTD COMMON STOCK 806857108 530 7917 SH DEFINED 20 7717 200 SCHLUMBERGER LTD COMMON STOCK 806857108 208 3100 SH DEF/OTH 20 3100 SOUTHERN CO COMMON STOCK 842587107 2932 87458 SH DEFINED 20 87258 200 SOUTHERN CO COMMON STOCK 842587107 194 5800 SH DEF/OTH 20 2000 3000 800 STATE STREET CORP COMMON STOCK 857477103 241 4900 SH DEFINED 20 4900 STATE STREET CORP COMMON STOCK 857477103 10 200 SH DEF/OTH 20 200 TARGET CORP COMMON STOCK 87612E106 2025 39000 SH DEFINED 20 38200 100 700 TARGET CORP COMMON STOCK 87612E106 145 2800 SH DEF/OTH 20 2200 500 100 TEXAS INSTUMENTS COMMON STOCK 882508104 501 20350 SH DEFINED 20 20350 TEXAS INSTRUMENTS COMMON STOCK 882508104 7 300 SH DEF/OTH 20 300 3M CO COMMON STOCK 88579Y101 3094 37700 SH DEFINED 20 37700 3M CO COMMON STOCK 88579Y101 774 9430 SH DEF/OTH 20 2600 6650 180 TRUSTCO BANK CORP COMMON STOCK 898349105 30746 2229573 SH DEFINED 20 988029 5597 1235947 TRUSTCO BANK CORP COMMON STOCK 898349105 9144 663094 SH DEF/OTH 20 593321 29809 39964 UNITED PARCEL SERV COMMON STOCK 911312106 1070 12525 SH DEFINED 20 12525 UNITED PARCEL SERV COMMON STOCK 911312106 4 50 SH DEF/OTH 20 50 UNITED TECHNOLOGIES COMMON STOCK 913017109 4928 47685 SH DEFINED 20 44685 200 2800 UNITED TECHNOLOGIES COMMON STOCK 913017109 372 3600 SH DEF/OTH 20 2700 600 300 UNITRIN INC COMMON STOCK 913275103 10252 225568 SH DEFINED 20 225568 VANGUARD CA TAX MUTUAL FUNDS BOND 922021308 139 12381 SH DEFINED 20 12381 VANGUARD NY TAX MUTUAL FUNDS BOND 92204H103 176 15285 SH DEFINED 20 15285 VANGUARD NY TAX MUTUAL FUNDS BOND 92204H301 561 48682 SH DEFINED 20 48682 VANGUARD NY TAX MUTUAL FUNDS BOND 92204H301 14 1249 SH DEF/OTH 20 1249 VERIZON COMMON STOCK 92343V104 2399 59214 SH DEFINED 20 58914 100 200 VERIZON COMMON STOCK 92343V104 415 10253 SH DEF/OTH 20 5068 3400 1785 WAL-MART STORES COMMON STOCK 931142103 3060 57925 SH DEFINED 20 56925 1000 WAL-MART STORES COMMON STOCK 931142103 211 4000 SH DEF/OTH 20 3600 200 200 WASHINGTON MUTUAL COMMON STOCK 939322103 590 13950 SH DEFINED 20 13950 WASHINGTON MUTUAL COMMON STOCK 939322103 63 1500 SH DEF/OTH 20 200 1000 300 WELLS FARGO & CO COMMON STOCK 949746101 2705 43525 SH DEFINED 20 43125 400 WELLS FARGO & CO COMMON STOCK 949746101 382 6150 SH DEF/OTH 20 3200 1650 1300 WYETH COMMON STOCK 983024100 446 10466 SH DEFINED 20 10466 WYETH COMMON STOCK 983024100 131 3065 SH DEF/OTH 20 1665 1400 </TABLE> 3

FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 1 Form 13F Information Table Entry Total: 173 Form 13F Information Table Value Total: $ 277,572 List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment Managers with respect to which this report is filed, other than the Manager filing this report. No. 13F File Number Name 20 28-10271 UP INVESTMENT ADVISORS INC 2