<ARTICLE>                       9
<CIK>                           0001005817
<NAME>                          Tompkins Trustco, Inc.
<MULTIPLIER>                    1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          52,056
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,775
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    298,449
<INVESTMENTS-CARRYING>                          29,442
<INVESTMENTS-MARKET>                            29,887
<LOANS>                                        771,808
<ALLOWANCE>                                      9,391
<TOTAL-ASSETS>                               1,214,649
<DEPOSITS>                                     991,289
<SHORT-TERM>                                    63,907
<LIABILITIES-OTHER>                             12,715
<LONG-TERM>                                     42,836
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           707
<OTHER-SE>                                      96,826
<TOTAL-LIABILITIES-AND-EQUITY>               1,214,649
<INTEREST-LOAN>                                 16,400
<INTEREST-INVEST>                                5,145
<INTEREST-OTHER>                                   254
<INTEREST-TOTAL>                                21,799
<INTEREST-DEPOSIT>                               7,446
<INTEREST-EXPENSE>                               8,971
<INTEREST-INCOME-NET>                           12,828
<LOAN-LOSSES>                                      240
<SECURITIES-GAINS>                                 106
<EXPENSE-OTHER>                                  9,522
<INCOME-PRETAX>                                  6,464
<INCOME-PRE-EXTRAORDINARY>                       6,464
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,326
<EPS-BASIC>                                       0.62
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                       5
<LOANS-NON>                                      3,426
<LOANS-PAST>                                       234
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,228
<CHARGE-OFFS>                                      209
<RECOVERIES>                                       133
<ALLOWANCE-CLOSE>                                9,391
<ALLOWANCE-DOMESTIC>                             9,391
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            750