Exhibit 23











                          Independent Auditors' Consent


The Board of Directors
Tompkins Trustco, Inc.:


We consent to the incorporation by reference in the Registration Statement Nos.
333-00146, 333-60871, 333-60873, 333-75822 and 333-108002 on Form S-8 and
333-86864, 333-120686, and 333-40534 on Form S-3D of Tompkins Trustco, Inc. of
our reports dated March 11, 2005, with respect to the consolidated statements of
condition of Tompkins Trustco, Inc. as of December 31, 2004 and 2003, and the
related consolidated statements of income, changes in shareholders' equity, and
cash flows for each of the years in the three year period ended December 31,
2004, management's assessment of the effectiveness of internal control over
financial reporting as of December 31, 2004, and the effectiveness of internal
control over financial reporting as of December 31, 2004, which reports appear
in the December 31, 2004 annual report on Form 10-K of Tompkins Trustco, Inc.


                                  /s/ KPMG LLP

March 15, 2005

Syracuse, New York