<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
1999 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> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> JUN-30-1999
<EXCHANGE-RATE> 1
<CASH> 22,723
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 182,112
<INVESTMENTS-CARRYING> 31,084
<INVESTMENTS-MARKET> 31,598
<LOANS> 422,376
<ALLOWANCE> 5,079
<TOTAL-ASSETS> 686,863
<DEPOSITS> 487,749
<SHORT-TERM> 80,781
<LIABILITIES-OTHER> 10,895
<LONG-TERM> 45,005
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 484
<OTHER-SE> 61,949
<TOTAL-LIABILITIES-AND-EQUITY> 686,863
<INTEREST-LOAN> 17,174
<INTEREST-INVEST> 6,875
<INTEREST-OTHER> 70
<INTEREST-TOTAL> 24,119
<INTEREST-DEPOSIT> 7,435
<INTEREST-EXPENSE> 9,970
<INTEREST-INCOME-NET> 14,149
<LOAN-LOSSES> 224
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,747
<INCOME-PRETAX> 8,961
<INCOME-PRE-EXTRAORDINARY> 8,961
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,973
<EPS-BASIC> 1.23
<EPS-DILUTED> 1.21
<YIELD-ACTUAL> 3
<LOANS-NON> 815
<LOANS-PAST> 67
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,028
<CHARGE-OFFS> 224
<RECOVERIES> 395
<ALLOWANCE-CLOSE> 5,079
<ALLOWANCE-DOMESTIC> 5,079
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,082