UNITED STATES
                           SECURITIES AND EXCHANGE COMMISSION
                                 Washington, D.C. 20549

                                        FORM 8-K

                                     CURRENT REPORT
         Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)  January 23, 2007
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                                 Tompkins Trustco, Inc.
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                 (Exact name of registrant as specified in its charter)


          New York                      1-12709                16-1482357
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(State or other jurisdiction          (Commission            (IRS Employer
      of incorporation)               File Number)         Identification No.)


The Commons, PO Box 460, Ithaca, New York                         14851
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(Address of Principal executive offices)                        (Zip Code)


Registrant's telephone number, including area code    (607) 273-3210
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         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17CFR 240.13e-4(c))


Item 2.02    Results of Operations and Financial Condition

     On January 24, 2007, the Company issued a press release announcing its
earnings for the calendar quarter ended December 31, 2006. A copy of the press
release is attached to this Report on Form 8-K as Exhibit 99.1 and is
incorporated herein by reference.


Item 8.01    Other Events

     On January 24, 2007, the Company issued a press announcing that on January
23, 2007, its Board of Directors approved payment of a regular quarterly cash
dividend of $0.30 per share, payable on February 15, 2007, to common
shareholders of record on February 2, 2007. A copy of the press release is
attached to this Report on Form 8-K as Exhibit 99.2 and is incorporated herein
by reference.

Item 9.01    Financial Statements and Exhibits

(a)  Not applicable.

(b)  Not applicable.

(c)  Not applicable.

(d)  Exhibits.

     Exhibit
       No.       Description
     -------     -----------

      99.1       Press Release of Tompkins Trustco, Inc. dated January 24, 2007
      99.2       Press Release of Tompkins Trustco, Inc. dated January 24, 2007





                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                       TOMPKINS TRUSTCO, INC.


Date:  January 24, 2007                By: /s/ STEPHEN S. ROMAINE
                                           -------------------------------------
                                           Stephen S. Romaine
                                           President and CEO


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                                INDEX TO EXHIBITS

EXHIBIT
NUMBER     EXHIBIT DESCRIPTION                                              PAGE
--------   -------------------                                              ----
 99.1      Press Release of Tompkins Trustco, Inc. dated January 24, 2007     4
 99.2      Press Release of Tompkins Trustco, Inc. dated January 24, 2007    12






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