Registration No. 333-

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

                      ----------------------------------

                                   FORM S-3

                         REGISTRATION STATEMENT UNDER
                          THE SECURITIES ACT OF 1933

                      ----------------------------------

                             TRUSTCO BANK CORP NY
            (Exact Name of Registrant as Specified in Its Charter)

             NEW YORK                                  14-1630287
      (State of Incorporation)                      (I.R.S. Employer
                                                 Identification Number)

         5 SARNOWSKI DRIVE, GLENVILLE, NEW YORK 12302 (518) 377-3311
        (Address, Including ZIP Code, and Telephone Number, Including
           Area Code, of Registrant's Principal Executive Offices)

                      ----------------------------------

          Thomas M. Poitras                          with copies to:
              Secretary                          Leonard J. Essig, Esq.
        TrustCo Bank Corp NY                  Lewis, Rice & Fingersh, L.C.
         5 Sarnowski Drive                     500 N. Broadway, Suite 2000
      Glenville, New York 12302                 St. Louis, Missouri 63102
           (518) 381-3680                            (314) 444-7600

          (Name, Address, Including Zip Code, and Telephone Number,
                 Including Area Code, of Agent For Service)

                      ----------------------------------

     Approximate date of commencement of proposed sale to the public: From
time to time after the effective date of this Registration Statement.

     If the only securities being registered on this form are being offered
pursuant to dividend or interest reinvestment plans, please check the
following box. [X]

     If any of the securities being registered on this form are to be offered
on a delayed or continuous basis pursuant to Rule 415 under the Securities
Act of 1933, other than securities offered only in connection with dividend
or interest reinvestment plans, check the following box. [ ]

     If this form is filed to register additional securities for an offering
pursuant to Rule 462(b) under the Securities Act, check the following box and
list the Securities Act registration statement number of earlier effective
registration statement for the same offering. [ ]

     If this form is a post-effective amendment filed pursuant to Rule 462(c)
under the Securities Act, check the following box and list the Securities Act
registration statement number of the earlier effective registration statement
for the same offering. [ ] Reg. No. ________________

     If delivery of the prospectus is expected to be made pursuant to Rule
434, please check the following box. [ ]



                       CALCULATION OF REGISTRATION FEE



 Title Of Each                               Proposed           Proposed
    Class Of              Amount              Maximum            Maximum          Amount Of
   Securities              To Be          Offering Price        Aggregate        Registration
To Be Registered     Registered(1)(2)       Per Unit(3)      Offering Price           Fee
----------------     ----------------     --------------     --------------      ------------
                                                                         
  Common Stock           2,000,000            $10.18          $20,360,000            $625
Par Value $1.00



     (1) The securities registered hereunder include securities issued
pursuant to the terms of the TrustCo Bank Corp NY Dividend Reinvestment Plan
that provide for adjustments in the amount of securities being issued to
prevent dilution resulting from stock splits, stock dividends or similar
transactions.

     (2) Does not include shares of common stock previously registered on
Registration Statement No. 333-123988 on Form S-3, as amended. Pursuant to
Rule 429 under the Securities Act of 1933, the prospectus that forms a part
of this registration statement shall also relate to 2,000,000 shares of
common stock previously registered for issuance and sale pursuant to
Registration Statement No. 333-123988. Registration fees in the amount of
$2,660.02 were previously paid to the Commission in connection with these
previously registered shares.

     (3) Pursuant to Rule 457(c), represents the average of the high and low
reported prices for the Registrant's common stock as quoted on the Nasdaq
Global Select Market on October 18, 2007, such date being a date within five
business days prior to the date of filing of this Registration Statement.





                                  PROSPECTUS

                             TRUSTCO BANK CORP NY

                                 COMMON STOCK

                              ($1.00 Par Value)

                          Dividend Reinvestment Plan

                      ----------------------------------

     This Prospectus describes the Dividend Reinvestment Plan of TrustCo Bank
Corp NY, which provides holders of record of TrustCo common stock with a
convenient and simple method of investing cash dividends and optional cash
payments. Any holder of record is eligible to participate in the Plan.
TrustCo common stock is listed on the Nasdaq Global Select Market under the
symbol "TRST."

     If you are or become a participant in the Plan, you may automatically
reinvest, into additional shares of common stock, cash dividends on your
existing shares of TrustCo common stock. You may also make cash payments for
the purchase of additional shares of TrustCo common stock.

     This Prospectus relates to 4,000,000 shares of TrustCo common stock
registered for sale under the Plan. If there is any change in TrustCo's
shares by reason of stock dividends, stock splits or consolidation of shares,
recapitalizations, mergers, consolidations, reorganizations, combinations or
exchange of shares, the number and class of shares available for purchase
pursuant to the Plan will be appropriately adjusted. No adjustment will be
made, however, if TrustCo issues additional capital stock of any class for
consideration.

     You should retain this Prospectus for future reference.

Neither the Securities and Exchange Commission nor any state securities
commission has approved or disapproved of these securities or passed upon the
accuracy or adequacy of this prospectus. Any representation to the contrary
is a criminal offense.

                      ----------------------------------


               The date of this Prospectus is October 22, 2007.





                              Table of Contents

                                                                          Page

THE PLAN.....................................................................1
    1. What Is a Dividend Reinvestment Plan?.................................1
    2. Who is eligible to participate?.......................................1
    3. May I participate in the Plan if my shares are registered
       in "street" name?.....................................................1
    4. How do I participate in the Plan?.....................................2
    5. Who administers the Plan?.............................................3
    6. What does it cost to participate?.....................................3
    7. What is the price of shares purchased from TrustCo?...................4
    8. What is the price of shares purchased on the open market?.............4
    9. When are purchases made?..............................................4
   10. How many shares of common stock are purchased for me?.................5
   11. May I add cash to purchase additional shares?.........................5
   12. When may I make optional cash payments?...............................5
   13. How much can I invest through optional cash payments?.................5
   14. How may I make optional cash payments?................................5
   15. Will stock certificates be issued for shares held under the Plan?.....5
   16. What kind of reports will I receive?..................................6
   17. What are the federal income tax consequences of participation
       in the Plan?..........................................................6
   18. How do I withdraw from the Plan?......................................7
   19. When may I withdraw from the Plan?....................................8
   20. What happens when I sell all of the shares registered in my name?.....8
   21. If I acquire additional shares, will cash dividends
       automatically be reinvested?..........................................8
   22. How will my shares of common stock be voted at
       shareholder meetings?.................................................8
   23. What are the responsibilities of the Plan's administrators
       and agents?...........................................................9
   24. What happens if TrustCo declares a stock dividend or a stock split?...9
   25. May the Plan be changed or discontinued?..............................9
   26. Where should correspondence regarding the Plan be directed?..........10

USE OF PROCEEDS.............................................................10

AVAILABLE INFORMATION.......................................................10

FACTORS THAT MAY AFFECT FUTURE RESULTS......................................11

COMMISSION POSITION ON INDEMNIFICATION......................................12

LEGAL MATTERS...............................................................12

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM...............................13





                             TRUSTCO BANK CORP NY

     TrustCo Bank Corp NY is the issuer of the common stock described in this
Prospectus. Our principal executive office is located at 5 Sarnowski Drive,
Glenville, New York 12302, and our telephone number is (518) 377-3311.



THE PLAN

     The following questions and answers constitute our Dividend Reinvestment
Plan.


1. What Is a Dividend Reinvestment Plan?

     A Dividend Reinvestment Plan is a method of investment in the securities
of a company that uses the cash dividends paid to you by the company to
invest in more shares of that company. Since dividend reinvestment plans also
allow for holding fractional shares (less than one share), all or part of
your dividend payment can be put to use efficiently and economically. Another
advantage of TrustCo's dividend reinvestment plan are the options to make
cash payments into your Plan account to purchase additional shares and to
make your first purchase of TrustCo shares through the Plan. If you
participate in a dividend reinvestment plan, you, as a shareholder, have all
the same rights as you would have if you held the shares in a brokerage
account or in certificate form in your home or safe deposit box. You will be
paid all stock dividends or splits and receive proxies and annual tax
information. Using a dividend reinvestment plan also means you do not have to
worry about losing certificates and the expense of replacing them if they
become lost.


2. Who is eligible to participate?

     Each person who is a record owner of shares of common stock is eligible
to participate in the Plan. Also, if you do not own any shares of our common
stock, you may enroll by making an initial purchase of TrustCo shares
directly through the Plan. To receive a Authorization Form to enroll in the
Plan or to receive additional copies of this prospectus, simply contact
American Stock Transfer & Trust Company ("American Stock Transfer"), the
Plan's Administrator. Information on how to contact American Stock Transfer
is set forth in the response to Question 5 below.


3. May I participate in the Plan if my shares are registered
   in "street" name?

     If your shares of common stock are registered in the name of a broker or
nominee ("street name"), you must either have those shares of common stock
transferred to your own name in order to participate in the Plan or you may
follow the procedures described below for making your initial purchases of
TrustCo stock through the Plan.


                                      1





4. How do I participate in the Plan?

     You may join the Plan at any time.

     If you already are a shareholder of record, you may join the Plan by:

     o    Logging on to www.amstock.com. Click "Invest Online," then select
          "All Plans" from the toolbar on the left side of internet page.
          Select TRUSTCO BANK CORP NY, then log in to your account using your
          American Stock Transfer ten-digit account number and your taxpayer
          identification number (e.g., your social security number). Your
          American Stock Transfer account number is contained in each piece
          of correspondence you receive from American Stock Transfer.

     o    Completing and signing an Authorization Form, which can be obtained
          by calling American Stock Transfer at 866-659-2647 (toll free) and
          also is available online at www.amstock.com. The form must then be
          mailed to AST at the address provided below (see question 5).

     If you are not an existing shareholder of record, you may join the Plan
by:

     o    Logging on to www.amstock.com, clicking "Invest Online" and then
          selecting "All Plans" from the toolbar on the left side of internet
          page. Select TRUSTCO BANK CORP NY, then select "Invest Now" and
          follow the enrollment wizard, which will guide you through the
          simple six-step investment process. You will be prompted to provide
          your banking account number and ABA routing number to allow for the
          direct debit of funds from your savings or checking account. You
          will receive an e-mail confirming receipt of your transaction as
          soon as you complete the investment process, as well as a
          subsequent e-mail confirming the number of shares purchased and
          their price (generally within two business days).

     o    Completing and signing an Authorization Form, which can be obtained
          by calling the American Stock Transfer 866-659-2647 (toll free) and
          also is available online at www.amstock.com. The form must then be
          mailed to AST at the address provided below (see question 5);
          enclose a check or money order made payable to American Stock
          Transfer & Trust Company for the value of your investment.

     The minimum initial investment is $50.00. Once you are a shareholder,
the minimum purchase amount is $25.00.

     If your completed Authorization Form (with, if you are making your
initial purchase, a check or money in the amount of your purchase) is
received by American Stock Transfer by the next record date for the payment
of dividends, then the dividends payable on your shares of common stock, and
any cash payments submitted by you with your Authorization Form, will be used
to purchase shares of common stock.

     If the completed Authorization Form is not received by American Stock
Transfer by the next record date for the payment of dividends, the automatic
reinvestment of your dividends and investment of any cash payments submitted
by you will not start until the next purchase is made, as determined by
American Stock Transfer (see Question 9). The record dates for payment of
dividends on the shares of common stock are usually early in December, March,
June and September and the corresponding dividends are paid early in January,
April, July and October.


                                      2





5. Who administers the Plan?

     The Plan is administered by American Stock Transfer, which performs many
of the ministerial tasks required in connection with the Plan, such as (i)
holding shares of common stock for the Plan in its name or the name of its
nominee; (ii) corresponding with Plan participants; (iii) distributing the
Plan prospectus, Authorization Forms, and other documents; (iv) maintaining
accounts for participants; (v) providing statements of account to
participants on a regular basis; (vi) effecting stock and cash withdrawals by
participants and terminations by participants; (vii) processing proxy
materials for shares of common stock held under the Plan; (viii) collecting
and holding voluntary cash payments by participants; and (ix) if purchases
are to be made on the open market, funding such trades to the broker who will
effect the purchases.

     All transaction requests should be sent to:

     American Stock Transfer and Trust Company
     P.O. Box 922
     Wall Street Station
     New York, NY 10269-0560

     or

     via internet at www.amstock.com

     or

     telephonically at 1-866-659-2647

     All inquiries regarding your account can be sent to:

     American Stock Transfer and Trust Company
     Operations Center
     6201 15th Avenue
     Brooklyn, NY 11219


6. What does it cost to participate?

     Your costs for participating in the Plan are as follows:

     o    If shares of our common stock are purchased directly from us, you
          will not be charged any brokerage commissions, service charges, or
          other fees.

     o    If shares of our common stock are purchased on behalf of the Plan
          in open-market transactions, you will be charged any brokerage
          commissions (currently $0.06 per share), service charges, or other
          fees paid by the Plan's administrator or agent with respect to the
          purchases. The decision regarding whether shares of our stock will
          be purchased directly from us or on the open market will be made by
          us and will generally depend on whether shares are available.


                                      3





     o    If you sell through the Plan your shares of common stock, you will
          be charged any brokerage commissions (currently $0.06 per share),
          service charges, or other fees paid by the Plan's administrator or
          agent with respect to the sale, plus a $15.00 fee.

     o    Inquiries by you or on your behalf that require Trustco Bank
          personnel to research non-current records (such as requests for
          prior year account statements) will be subject to a research charge
          at a rate of $25.00 per hour. Research time will be recorded in
          fifteen minute increments.

     The fee structure is subject to change. If there are changes in the fee
structure, TrustCo will notify participants in advance of the effective date
of the changes.


7. What is the price of shares purchased from TrustCo?

     The Plan's purchase of shares of common stock from us, whether out of
treasury shares or authorized but unissued shares, will be at a price equal
to the average of the high and low prices for shares of common stock on the
applicable purchase date (see Question 9), as reported on the Nasdaq Global
Select Market or such other system as may supersede it. If the applicable
purchase date is not a trading day for Nasdaq market makers, the prices on
the next preceding trading day will be used to determine the purchase price.


8. What is the price of shares purchased on the open market?

     The price per share for all shares purchased in the open market to
satisfy any Plan requirements will be the weighted average of all shares
purchased for the Plan on the applicable purchase date. The purchase price
shown on participant account statements will include, as noted in Question 6,
any brokerage commission, service charges, or other fees paid by the Plan's
administrator or agent with respect to the purchase.

     With respect to shares purchased on the open market, the plan
administrator may select one or more agents to assist it in purchasing our
shares on the open market, including a brokerage firm that may have other
business relationships with TrustCo. These agents will receive brokerage
commissions on such purchases.


9. When are purchases made?

     Purchases with the proceeds of cash contributions will be made daily as
discussed below. Purchases with reinvested dividends will be made on, or as
soon as possible after, each dividend payment date, which have typically been
in early January, April, July, and October. All purchases on the open market
will be made as soon as possible after dividends and/or cash payments have
been forwarded to the agent. We will have no control over the times or prices
at which agents for the purchase of our shares under the plan may acquire
shares on the open market. Therefore, you will not be able to precisely time
your purchases through the Plan, and you will bear the market risk associated
with fluctuations in the price of our common stock. More specifically, if you
send in an initial or optional investment, it is possible that the price of
our common stock could go up or down before purchases are made for your
account, and you will bear the market risk for such fluctuations. In
addition, you will not earn interest on initial or optional investments
before the shares are purchased.


                                      4





10. How many shares of common stock are purchased for me?

     The number of shares of common stock purchased for you will depend on
the amount of your cash dividend on your previously-owned shares of common
stock in those months in which a dividend has been declared, the amount of
your initial or optional cash payments, if any, and the purchase price of the
shares of common stock. Your account will be credited with that number of
shares of common stock, including fractions computed to three decimal places,
equal to the total amount invested by you plus the amount of dividends paid
on shares of common stock allocated to your Plan account minus the amount of
any applicable expenses, divided by the applicable purchase price per share
of common stock.


11. May I add cash to purchase additional shares?

     Yes. If you elect to reinvest dividends in the Plan, you may also elect
to make optional cash payments to purchase additional shares of common stock.
You may not, however, make your initial purchase of TrustCo shares or elect
to make optional cash payments unless you also elect to reinvest cash
dividends.


12. When may I make optional cash payments?

     Optional cash payments may be made at any time and will be held by the
administrator until the next purchase is made. No interest will be paid on
any cash payments. Any cash payments received by the administrator will not
be returned.


13. How much can I invest through optional cash payments?

     Optional cash payments must be no less than $25.00. There is no maximum
investment amount.


14. How may I make optional cash payments?

     Each optional cash payment must be in the form of a check or money order
payable in U.S. funds to American Stock Transfer and Trust Company and be
accompanied by an Authorization Form or the cash payment form attached to any
periodic account statement. Do not send currency or coin. You may also make
optional cash payments online at www.amstock.com. You need to know your
American Stock Transfer ten-digit account number and your social security
number.


15. Will stock certificates be issued for shares held under the Plan?

     Normally, certificates for shares of common stock purchased under the
Plan will not be issued in your name but will be registered in the name of
American Stock Transfer and Trust Company, as the Plan administrator, or its
nominee and held for your benefit and credited to your Plan account. Upon
your request to the administrator, however, certificates for any number of
whole shares of common stock credited to your Plan account will be registered
in your name ("participant name registration") and a certificate for such
shares of common stock will be issued to you. A participant name registration
will not be permitted for fractional shares of common stock held in your
account. Any such fractional share, as well as any whole shares of common
stock as to which a participant name registration is not requested, will
continue to be credited to your Plan account and all dividends on the
fractional and whole shares of common stock will continue to be reinvested in
the Plan. Dividends on all shares of common stock as to which participant
name registration is requested will continue to be reinvested in the Plan
unless you request to withdraw from participation in the Plan (see Question
18). You may also process your request for issuance online at
www.amstock.com.


                                      5





     You may not pledge or assign shares of common stock credited to your
account under the Plan and registered in the name of the administrator or its
nominee. If you wish to pledge or assign such shares of common stock, you
must request participant name registration for the shares.


16. What kind of reports will I receive?

     As soon as practicable after the completion of each calendar quarter,
the Plan administrator will mail to you a statement indicating the amount
invested and the price per share of common stock, the number of shares of
common stock purchased, and the total number of shares of common stock held
in your account.


17. What are the federal income tax consequences of participation in the Plan?

     If shares of common stock have been purchased on your behalf with
reinvested dividends, you will realize a taxable dividend in an amount equal
to the fair market value of the shares of common stock credited to your
account on the date the cash dividend is paid. You will also be treated as
having received a taxable dividend equal to your share of the brokerage
commissions, service charges, and other fees, if any, paid by TrustCo in
connection with the purchases of such shares of common stock.

     The tax basis of shares of common stock purchased with reinvested
dividends will be the amount of such dividend. The tax basis of shares of
common stock purchased with optional cash payments will be the cost
(including any fees, commissions, or other expenses) paid by you for such
shares. The tax basis of shares of common stock also will include your share
of any brokerage commissions, service charges, or fees payable by TrustCo with
respect to such purchases. The administrator will inform you of the amount of
such commissions, service charges or other fees, if any, allocable to
purchases for your account.

     The holding period for shares of common stock credited to your account
under either the dividend reinvestment aspect of the Plan or the cash payment
aspect of the Plan will begin on the day following the date the shares of
common stock are purchased.

     You will not recognize any taxable income if certificates are issued to
you for shares of common stock credited to your account, regardless of
whether the certificates are issued upon your request or upon your withdrawal
from or termination of the Plan.


                                      6





     You will recognize gain or loss when whole shares of common stock or
fractional shares of common stock held in your account are sold or exchanged
by the agent on your behalf or when you sell your shares of common stock
after withdrawal from or termination of the Plan (see Question 18). The
character of such gain or loss will depend on your personal circumstances.
The amount of such gain or loss will be the difference between the amount
that you receive or that you are deemed to receive for the shares of common
stock and your tax basis in such shares of common stock.

     The income tax consequences for participants who do not reside in
the United States will vary from jurisdiction to jurisdiction. In the case of
a foreign stockholder whose dividends are subject to United States income tax
withholding, the amount of the tax required to be withheld will be deducted
from the amount of dividends to determine the amount of dividends to
reinvest.

     You should consult your own tax advisor to determine the particular
tax consequences that may result from your participation in the Plan and the
subsequent disposal by you of shares of common stock purchased pursuant to
the Plan.


18. How do I withdraw from the Plan?

     You may discontinue your participation in the Plan by sending a notice
of withdrawal to the Plan's administrator. The notice of withdrawal must be
signed by you exactly as your name appears on the most recent statement of
account. TrustCo reserves the right to discontinue, in its sole discretion,
your participation in the Plan by sending written notice to that effect to
you. Upon your withdrawal or, discontinuance of your participation by the
administrator, or upon termination of the Plan by us, certificates for whole
shares of common stock credited to you under the Plan will be issued to you;
a cash payment also will be sent to you for any remaining fractional share.
The cash payment for fractional shares will be based on a price equal to the
actual sale price for shares sold.

     Upon your withdrawal from the Plan, you may, if you desire, request in
the written notice of withdrawal referred to above that all or part of the
whole shares of common stock credited to your account under the Plan be sold.
Such sale will be made by the agent on the open market generally daily, but
at least weekly after the Plan's administrator's receipt of the request. You
will receive the proceeds less a $15.00 fee, brokerage fees, commissions, and
transfer taxes, if any.


                                      7





19. When may I withdraw from the Plan?

     You may withdraw from the Plan at any time.

     If your written notice of withdrawal is received by the Plan's
administrator more than three days prior to the payable date for the next
dividend, the amount of the cash dividend payments received or otherwise have
been invested on that dividend payment date will be paid in cash. All
subsequent cash dividends will also be paid directly to you unless you
re-enroll in the Plan.

     If your notice of withdrawal is received by the Plan's administrator
less than three days prior to the date for the next dividend, the cash
dividend paid on such dividend payment date and/or any optional cash payment
received will be used to purchase shares of common stock under the Plan. All
subsequent cash dividends will be paid directly to you unless you re-enroll
in the Plan on all balances.

     Upon your death, participation in the Plan will continue until the
administrator has received written notice of your death and the required
notice of withdrawal from an authorized legal representative.


20. What happens when I sell all of the shares registered in my name?

     If you sell or transfer all shares of TrustCo common stock registered in
your name three or more days prior to the date the next dividend is to be
paid, the dividend will be paid to you and will not be used to purchase
shares of common stock. If you sell or transfer all shares registered in your
name less than three days prior to the date for the next dividend, the cash
dividend paid on such dividend payment date and/or optional cash payments
received will be used to purchase shares of Common Stock under the Plan. All
subsequent cash dividends will be paid directly to you unless you re-enroll
in the Plan.

     Further, if sales or transfers of shares of common stock result in less
than one full share of common stock credited to the participant's account, in
lieu of attempting to contact the participant, the administrator will
automatically close such account and pay to the participant, at the latest
known address, a cash settlement (determined as described above in Question
18) in lieu of the fractional share of common stock.


21. If I acquire additional shares, will cash dividends automatically be
    reinvested?

     Yes, if the certificates for such shares are issued in the same name as
the name on your Plan account.


22. How will my shares of common stock be voted at shareholder meetings?

     For each meeting of shareholders, you will receive a proxy that enables
you to vote the shares of common stock registered in your name and in the
name of the Plan administrator or its nominee and credited to your account
under the Plan. As in the case of shareholders generally, if a proxy card is
returned properly signed and marked for voting, the shares of common stock
covered will be voted as marked. If a proxy card is returned properly signed,
but without indicating instructions as to the manner in which shares of
common stock are to be voted with respect to any item thereon, the shares of
common stock covered will be voted as stated on the proxy card. If the proxy
card is not returned, or if it is returned unsigned or improperly signed, the
shares of common stock covered will not be voted unless you vote in person at
the meeting.


                                      8





23. What are the responsibilities of the Plan's administrators and agents?

     Neither Plan administrator nor any agents under the Plan have
responsibility with respect to the preparation and content of this
Prospectus. Neither the Company, TrustCo, nor American Stock Transfer, in
administering the Plan, will be liable for any act done in good faith or for
any good faith omission to act, including, without limitation, (i) for any
claim resulting from the failure to terminate your Plan participation upon
your death prior to receipt of legally sufficient instruction with respect
thereto; (ii) for the price or prices at which shares of common stock are
purchased or sold for your account pursuant to the provisions of the Plan;
and (iii) for the time or times at which such purchases of shares of common
stock are made.

     PLEASE RECOGNIZE THAT TRUSTCO AND THE PLAN'S ADMINISTRATOR CANNOT ASSURE
     PARTICIPANTS OF PROFITS, OR PROTECT PARTICIPANTS AGAINST LOSSES, ON
     SHARES OF COMMON STOCK PURCHASED AND/OR HELD UNDER THE PLAN.


24. What happens if TrustCo declares a stock dividend or a stock split?

     If there are any changes in TrustCo's shares by reason of stock
dividends, stock splits, or consolidation of shares, recapitalizations,
mergers, consolidations, reorganizations, combinations, or exchange of
shares, any shares of common stock issued by TrustCo on shares of common
stock credited to your Plan account and registered in the name of the Plan's
administrator or its nominee will be added to your account. Any shares of
common stock issued by TrustCo on shares of common stock registered in your
name will be mailed directly to you in the same manner as to shareholders who
are not participating in the Plan. Transaction processing may either be
curtailed or suspended until the completion of any stock dividend, stock
split, or corporate action.


25. May the Plan be changed or discontinued?

     We reserve the right to suspend, modify, or terminate the Plan at any
time and to interpret and regulate the Plan as we deem necessary or desirable
in connection with the operation of the Plan. The Plan's administrator
reserves the right to resign at any time upon reasonable written notice to
us, and we may relieve the administrator of its duties at any time upon like
notice.

     You will receive notice of any suspension, modification, or termination
of the Plan. Termination of the Plan will have the same effect and will be
accomplished as to you and each other participant as if you and such other
participant had completely withdrawn from participation in the Plan (see
Question 18).


                                      9





26. Where should correspondence regarding the Plan be directed?

     All correspondence concerning the Plan should be addressed to:

                  American Stock Transfer and Trust Company
                              Operations Center
                               6201 15th Avenue
                           Brooklyn, New York 11219

     All transactions should be addressed to:

                  American Stock Transfer and Trust Company
                                 P.O. Box 922
                             Wall Street Station
                        New York, New York 10269-0560

                                      or

                               www.amstock.com

                                      or

                                1-866-659-2647



USE OF PROCEEDS

     No determination has been made as to the specific uses by us of any
proceeds resulting from our sale of shares of common stock directly to the
Plan, in part because we have no precise method for estimating the number of
shares that will be purchased under the Plan, the number of such shares which
will be purchased from us (as opposed to on the open market), the timing, or
prices of such purchases. We currently intend to add any such proceeds to our
general funds to be used for our general corporate purposes.



AVAILABLE INFORMATION

     We are subject to the informational requirements of the Securities
Exchange Act of 1934, as amended, and accordingly file annual, quarterly, and
special reports, proxy statements and other information with the Securities
and Exchange Commission. You may inspect and copy these filings at the SEC's
Public Reference Room at Room 1024, 450 Fifth Street, N.W., Washington, D.C.
20549. Please call the SEC at 1-800-SEC-0330 for further information on the
public reference room. TrustCo's SEC filings are also available to the public
on the Internet at the website maintained by the SEC at http://www.sec.gov.
This Prospectus does not contain all the information set forth in the
Registration Statement relating to the shares to be sold under the Plan and
exhibits thereto which we have filed with the SEC under the Securities Act of
1933, as amended (the "Securities Act"), and to which reference is hereby
made.


                                      10





     The SEC allows us to "incorporate by reference" the information we file
with the SEC, which means that we can disclose important information to you
by referring you to those documents. The information incorporated by
reference is considered to be part of this Prospectus, and later information
filed with the SEC will update and supersede this information. We incorporate
by reference the documents listed below and any future filings made with the
SEC under Section 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act
of 1934 until the Plan is terminated:

     1.   TrustCo's Annual Report on Form 10-K for the fiscal year ended
          December 31, 2006.

     2.   TrustCo's Quarterly Reports on Form 10-Q for the periods ended
          March 31, 2007 and June 30, 2007.

     3.   TrustCo's current reports on Form 8-K filed October 16, 2007,
          August 21, 2007, May 15, 2007, May 14, 2007, April 17, 2007 (Form
          8-K with accession number 357301-07-000007), April 12, 2007, April
          11, 2007, and February 20, 2007.

     4.   All other reports filed by TrustCo pursuant to Sections 13(a) or
          15(d) of the Exchange Act since December 31, 2006.

     5.   The description of TrustCo's common stock which is contained in
          TrustCo's Registration Statement on Form S-4 under the Securities
          Act, Registration No. 33-40379, effective date May 8, 1991, and an
          update of that description contained in TrustCo Bank Corp NY's
          Current Report on Form 8-K filed on July 9, 1991; and including any
          amendment or report filed for purposes of updating such
          description.

     We will provide copies of all documents incorporated by reference, other
than exhibits to such documents, without charge to each person who receives a
copy of this Prospectus upon written or oral request to TrustCo Bank Corp NY,
5 Sarnowski Drive, Glenville, New York 12302, Attention: Corporate Secretary,
Telephone Number (518) 377-3311.

     No person has been authorized to give any information or to make any
representation not contained in this Prospectus, and, if given or made, you
should not rely upon such information or representation upon as having been
authorized by TrustCo Bank Corp NY. This Prospectus does not constitute an
offer to sell or a solicitation of an offer to buy any securities other than
the securities offered hereby; nor does it constitute an offer to sell or
solicitation of an offer to buy any securities in any jurisdiction to any
person to whom it is unlawful to make such offer or solicitation in such
jurisdiction. The delivery of this Prospectus at any time does not imply that
information herein is correct as of any time subsequent to its date.



FACTORS THAT MAY AFFECT FUTURE RESULTS

     Except for the historical information contained herein, the matters
discussed in this Prospectus, as well as the Annual, Quarterly, and Special
Reports, and other information filed by us with the Securities and Exchange
Commission, may express "forward looking statements." Those "forward looking
statements" may involve risk and uncertainties, including statements
concerning future events or performance and assumptions and other statements
of historical facts.


                                      11





     We wish to caution readers not to place undue reliance on any
forward-looking statements, which speak only as of the date made. Readers are
advised that various risk factors, including, but not limited to: (1) credit
risk, (2) interest rate risk, (3) competition, (4) changes in the regulatory
environment, and (5) change in general business and economic trends, could
cause the actual results or circumstances for future periods to differ
materially from those anticipated or projected in the forward looking
statements.



COMMISSION POSITION ON INDEMNIFICATION

     Sections 721-725 of the New York Business Corporation Law authorize the
indemnification of our directors and officers under certain circumstances.
Generally, a corporation may indemnify a director or officer of the
corporation against any judgments, fines, amounts paid in settlement, and
reasonable expenses, if such director or officer acted in good faith and for
a purpose which he or she reasonably believed to be in the best interests of
the corporation and, in criminal actions, had no reasonable cause to believe
that his or her conduct was unlawful.

     Article XI of our Amended and Restated Certificate of Incorporation
provides that our directors shall not be liable to TrustCo, or its
shareholders, for any breach of duty in such capacity to the fullest extent
elimination or limitation of director liability is permitted by the New York
Business Corporation Law.

     TrustCo's bylaws contain detailed procedures to address the
circumstances under which an officer or director of TrustCo may seek
indemnification and under which the board or other persons, including
TrustCo's shareholders, may authorize indemnification payments. A copy of
TrustCo's bylaws was included as an exhibit to the Report on Form 8-K filed
by TrustCo with the Securities and Exchange Commission on February 20, 2007.
Pursuant to Employment Agreements between us and certain of our executive
officers, we have agreed to indemnify such executives for acts or decisions
made by them in good faith while performing services for us, and we shall use
our best efforts to obtain insurance coverage relating thereto. Finally,
under a policy of directors' and officers' insurance with total annual limits
of $30,000,000, our directors and officers are insured, subject to the
limits, exceptions, and other terms and conditions of such policy, against
liability for claims made against them for any actual or alleged error or
misstatement or misleading statement or act or omission or neglect or breach
of duty while acting in their individual or collective capacities as
directors or officers.

     Insofar as indemnification for liabilities arising under the Securities
Act may be permitted to directors, officers, or persons controlling TrustCo
pursuant to the foregoing provisions, we have been informed that, in the
opinion of the SEC, such indemnification is against public policy as
expressed in the Act and is therefore unenforceable.



LEGAL MATTERS

     The legality of the issue of the shares of common stock offered
hereunder has been passed upon for TrustCo by Lewis, Rice & Fingersh, L.C.,
St. Louis, Missouri.


                                      12





INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

     The consolidated financial statements of TrustCo Bank Corp NY as of
December 31, 2006 and 2005, and for each of the years in the three-year
period ended December 31, 2006, and management's assessment of the
effectiveness of internal control over financial reporting as of December 31,
2006, have been incorporated by reference herein and in the Registration
Statement in reliance upon the reports of KPMG LLP, independent registered
public accounting firm, incorporated by reference herein, and upon the
authority of said firm as experts in accounting and auditing.

     The audit report covering the December 31, 2006 consolidated financial
statements refers to the adoption of Statement of Financial Accounting
Standards No. 158 "Employers' Accounting for Defined Benefit Pension and
Other Postretirement Plans, an amendment of FASB Statements No. 87, 88, 106
and 132(R)" and Staff Accounting Bulletin No. 108 "Considering the Effects of
Prior Year Misstatements when Quantifying Misstatements in Current Year
Financial Statements."

     With respect to the unaudited interim financial information for the
periods ended March 31, 2007, and 2006, and June 30, 2007 and 2006,
incorporated by reference herein, the independent registered public
accounting firm has reported that they applied limited procedures in
accordance with professional standards for a review of such information.
However, their separate reports included in the Company's quarterly reports
on Form 10-Q for the quarters ended March 31, 2007, and June 30, 2007, and
incorporated by reference herein, state that they did not audit and they do
not express an opinion on that interim financial information. Accordingly,
the degree of reliance on their reports on such information should be
restricted in light of the limited nature of the review procedures applied.
The accountants are not subject to the liability provisions of Section 11 of
the Securities Act for their reports on the unaudited interim financial
information because those reports are not "reports" or a "part" of the
registration statement prepared or certified by the accountants within the
meaning of Sections 7 and 11 of the Securities Act.


                                      13





                                   PART II

                    INFORMATION NOT REQUIRED IN PROSPECTUS


Item 14. Other Expenses of Issuance and Distribution

         Registration:                                      $   625
         Accountants' Fees*:                                $15,000
         Printing and Engraving*:                           $ 8,500
         Legal Fees*:                                       $15,000
         Miscellaneous Expenses*:                           $   500
                                                            -------
         Total                                              $39,625
                                                            =======

*Indicates estimated fees or expenses.


Item 15. Indemnification of Directors and Officers

     Sections 721-725 of the New York Business Corporation Law provide for or
permit the indemnification of directors and officers of the Registrant, a New
York corporation, under certain circumstances. Generally, a corporation may
indemnify a director or officer of the corporation against any judgments,
fines, amounts paid in settlement and reasonable expenses, if such director
or officer acted, in good faith, for a purpose which he or she reasonably
believed to be in the best interests of the corporation and, in criminal
actions, had no reasonable cause to believe that his or her conduct was
unlawful.

     Article XI of the Registrant's Amended and Restated Certificate of
Incorporation provides that to the fullest extent elimination or limitation
of director liability is permitted by the New York Business Corporation Law,
no directors of the corporation shall be liable to the corporation, or its
shareholders for any breach of duty in such capacity.

     TrustCo's bylaws contain detailed and comprehensive procedures to
address the circumstances under which an officer or director of TrustCo may
seek indemnification and under which the board or other persons, including
TrustCo's shareholders, may authorize indemnification payments. A copy of
TrustCo's bylaws was included as an exhibit to the Report on Form 8-K filed
by TrustCo with the Securities and Exchange Commission on February 20, 2007.
Pursuant to Employment Agreements between the Registrant and certain of its
executive officers, the Registrant provides that it shall indemnify such
executives for acts or decisions made by such executives in good faith while
performing services for the Registrant, and the Registrant shall use its best
efforts to obtain insurance coverage relating thereto. Finally, under a
policy of directors' and officers' insurance with total annual limits of
$30,000,000, the directors and officers of the Registrant are insured,
subject to the limits, exceptions and other terms and conditions of such
policy, against liability for claims made against them for any actual or
alleged error or misstatement or misleading statement or act or omission or
neglect or breach of duty while acting in their individual or collective
capacities as directors or officers.


                                     II-1





     Insofar as indemnification for liabilities arising under the Securities
Act of 1933 may be permitted to directors, officers, or persons controlling
TrustCo pursuant to the foregoing provisions, TrustCo has been informed that
in the opinion of the Securities and Exchange Commission such indemnification
is against public policy as expressed in the Act and therefore is
unenforceable.


Item 16. Exhibits

     The following exhibits are submitted herewith:

     5       Legal Opinion of Lewis, Rice & Fingersh, L.C.

     15      KPMG LLP letter regarding Unaudited Interim Financial Information

     23.1    Consent of Lewis, Rice & Fingersh, L.C. (included in Exhibit 5.1)

     23.2    Consent of KPMG LLP

     24      Powers of Attorney


Item 17. Undertakings

     (a)  The undersigned registrant hereby undertakes:

          (1)  To file, during any period in which offers or sales are being
               made, a post-effective amendment to this registration
               statement:

                 (i) to include any prospectus required by section 10(a)(3)
                     of the Securities Act of 1933;

                (ii) to reflect in the prospectus any facts or events arising
                     after the effective date of the registration statement
                     (or the most recent post-effective amendment thereof)
                     which, individually or in the aggregate, represent a
                     fundamental change in the information set forth in the
                     registration statement;

               (iii) to include any material information with respect to the
                     plan of distribution not previously disclosed in the
                     registration statement or any material change to such
                     information in the registration statement.

          (2)  That, for the purpose of determining any liability under the
               Securities Act of 1933, each such post-effective amendment
               shall be deemed to be a new registration statement relating to
               the securities offered therein, and the offering of such
               securities at that time shall be deemed to be the initial bona
               fide offering thereof.


                                     II-2





          (3)  To remove from registration by means of a post-effective
               amendment any of the securities being registered which remain
               unsold at the termination of the offering.

     (b)  The undersigned registrant hereby undertakes that, for purposes of
          determining any liability under the Securities Act of 1933, each
          filing of the registrant's annual report pursuant to section 13(a)
          or section 15(d) of the Securities Exchange Act of 1934 (and, where
          applicable, each filing of an employee benefit plan's annual report
          pursuant to section 15(d) of the Securities Exchange Act of 1934)
          that is incorporated by reference in the registration statement
          shall be deemed to be a new registration statement relating to the
          securities offered therein, and the offering of such securities at
          that time shall be deemed to be the initial bona fide offering
          thereof.


                                     II-3





                                 SIGNATURES

     Pursuant to the requirements of the Securities Act of 1933, the
registrant certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on Form S-3 and has duly caused this
Registration Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Glenville, State of New York, on
October 22, 2007.

                                    TrustCo Bank Corp NY

                                    By   /s/ Robert J. McCormick
                                         -------------------------------------
                                         Robert J. McCormick
                                         President and Chief Executive Officer

     Pursuant to the requirements of the Securities Act of 1933, this
Registration Statement has been signed by the following persons in the
capacities shown and on October 22, 2007.

            Name                                     Title/Position
-------------------------------          -------------------------------------

/s/ Robert J. McCormick                  President and Chief Executive Officer
-------------------------------              (Principal Executive Officer)
Robert J. McCormick

/s/ Robert T. Cushing                        Executive Vice President and
-------------------------------           Chief Financial Officer (Principal
Robert T. Cushing                          Financial and Accounting Officer)

*                                                      Director
-------------------------------
Joseph A. Lucarelli

*                                                      Director
-------------------------------
Anthony J. Marinello, M.D., PhD

*                                                      Director
-------------------------------
Robert A. McCormick

*                                                      Director
-------------------------------
William D. Powers

*                                                      Director
-------------------------------
William J. Purdy

*                                                      Director
-------------------------------
Thomas O. Maggs


* By: /s/ Robert T. Cushing
      -------------------------
      Attorney-in-Fact


                                     II-4





                                EXHIBIT INDEX

 Reg. S-K
 Item 601
Exhibit No.  Exhibit
----------   -----------------------------------------------------------------

    5        Legal Opinion of Lewis, Rice & Fingersh, L.C.

    15       KPMG LLP letter regarding Unaudited Interim Financial Information

   23.1      Consent of Lewis, Rice & Fingersh, L.C. (included in Exhibit 5.1)

   23.2      Consent of KPMG LLP

    24       Powers of Attorney


                                     II-5