Exhibit 99.1


                            CERTIFICATION PURSUANT TO
                 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the filing of the Annual Report on Form 10-K for the fiscal
year ended December 31, 2002 (the "Report") by Tompkins Trustco, Inc. (the
"Company"), the undersigned, as the Chief Executive Officer of the Company,
hereby certifies pursuant to 18 U.S.C. ss.1350, as adopted pursuant to ss.906 of
the Sarbanes-Oxley Act of 2002, that, to my knowledge:

The Report fully complies with the requirements of Section 13(a) or Section
15(d) of the Securities Exchange Act of 1934; and

The information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company.

March 28, 2003

                                       /s/ JAMES J. BYRNES
                                       -------------------------
                                       James J. Byrnes
                                       Chairman of the Board and
                                       Chief Executive Officer


A signed original of this written statement required by Section 906 of the
Sarbanes-Oxley Act of 2002 has been provided to Tompkins Trustco, Inc. and will
be retained by Tompkins Trustco, Inc. and furnished to the Securities and
Exchange Commission or its staff upon request.