<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
SEPTEMBER 30, 2000 FORM 10-Q  AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS
</LEGEND>
<CIK>                                       0001005817
<NAME>                          Tompkins Trustco, Inc.
<MULTIPLIER>                                     1,000
<CURRENCY>                                         USD

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          41,024
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    302,581
<INVESTMENTS-CARRYING>                          26,995
<INVESTMENTS-MARKET>                            28,838
<LOANS>                                        822,617
<ALLOWANCE>                                      9,581
<TOTAL-ASSETS>                               1,276,848
<DEPOSITS>                                   1,006,428
<SHORT-TERM>                                    76,275
<LIABILITIES-OTHER>                             14,570
<LONG-TERM>                                     67,434
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           739
<OTHER-SE>                                     109,874
<TOTAL-LIABILITIES-AND-EQUITY>               1,276,848
<INTEREST-LOAN>                                 51,850
<INTEREST-INVEST>                               15,587
<INTEREST-OTHER>                                   552
<INTEREST-TOTAL>                                67,989
<INTEREST-DEPOSIT>                              23,669
<INTEREST-EXPENSE>                              29,221
<INTEREST-INCOME-NET>                           38,768
<LOAN-LOSSES>                                      815
<SECURITIES-GAINS>                                 415
<EXPENSE-OTHER>                                 28,778
<INCOME-PRETAX>                                 19,390
<INCOME-PRE-EXTRAORDINARY>                      19,390
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,086
<EPS-BASIC>                                       1.86
<EPS-DILUTED>                                     1.85
<YIELD-ACTUAL>                                     3.7
<LOANS-NON>                                      4,197
<LOANS-PAST>                                     1,344
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,228
<CHARGE-OFFS>                                      777
<RECOVERIES>                                       315
<ALLOWANCE-CLOSE>                                9,581
<ALLOWANCE-DOMESTIC>                             9,581
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,213