SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 24, 2005 (March 24, 2005) TrustCo Bank Corp NY (Exact name of registrant as specified in its charter) New York (State or other jurisdiction of incorporation) 0-10592 14-1630287 - ----------------------------- ---------------------------------- (Commission File Number) (IRS Employer Identification No.) 5 Sarnowski Drive, Glenville, New York 12302 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (518) 377-3311 -------------- 1 TrustCo Bank Corp NY Item 8.01 Other Events A press release was issued on March 24, 2005 announcing new residential mortgage products now being offered at Trustco Bank branch locations. Attached is the press release labeled as exhibit 99(a). Item 9.01 Financial Statements and Exhibits (c) Exhibits Reg S-K Exhibit No. Description 99(a) One page press release dated March 24, 2005 announcing new residential mortgage products now being offered at Trustco Bank branch locations. 2 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: March 24, 2005 TrustCo Bank Corp NY (Registrant) By:/s/ Robert T. Cushing ---------------------------- Robert T. Cushing Executive Vice President and Chief Financial Officer 3 Exhibits Index The following exhibits are filed herewith: Reg S-K Exhibit No. Description Page - ------------------ ---------------------------- ---------- 99(a) One page press release dated March 5 24, 2005, announcing new residential mortgage products now being offered at Trustco Bank branch locations. 4 Exhibit 99(a) TRUSTCO Bank Corp NY News Release - ----------------------------------------------------------------- 5 Sarnowski Drive, Glenville, New York, 12302 (518) 377-3311 Fax: (518) 381-3668 Subsidiary: Trustco Bank NASDAQ - TRST Contact: Robert M. Leonard Administrative Vice President 518-381-3693 FOR IMMEDIATE RELEASE: TRUSTCO ANNOUNCES NEW RESIDENTIAL MORTGAGE PRODUCTS Glenville, New York - March 24, 2005. Trustco Bank, known as a leader in mortgage lending, has announced the following new residential mortgage products: o 40-Year Mortgage Loans. o Three-Year Adjustable Rate Mortgage Loans with a three-year interest only option. Robert J. McCormick, President and Chief Executive Officer commented that, "Trustco has been concerned about the affordability of homes. Our new products will help turn the dream of owning a home into a reality for many of our customers". TrustCo is a $2.9 billion bank holding company and through its subsidiary, Trustco Bank, operates 75 offices in New York, Vermont, and Florida. In addition, the Bank operates a full service Trust Department. The common shares of TrustCo are traded on the Nasdaq National Market tier of the Nasdaq Stock Market under the symbol TRST. 5