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)         May 31, 2007
                                                   -----------------------------


                         Tompkins Financial Corporation
                          (fka Tompkins Trustco, Inc.)
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               (Exact Name of Registrant as specified in 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))



                        Section 7 - Regulation FD


Item 7.01   Regulation FD Disclosure

         On May 31, 2007, as part of Tompkins Financial Corporation's previously
announced 2006 stock repurchase program, the Company entered into a Rule 10b5-1
trading plan. The 10b5-1 trading plan provides for the repurchase of up to
100,000 shares of Tompkins common stock between the dates of June 4, 2007 and
July 31, 2008, subject to conditions specified in the plan. Shares of Tompkins
common stock repurchased under the 10b5-1 trading plan will be disclosed in the
Company's quarterly reports on Form 10-Q and Annual Report on Form 10-K.






                                   SIGNATURES

         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 FINANCIAL CORPORATION


Date:  June 4, 2007                    By: /s/ STEPHEN S. ROMAINE
                                           -------------------------------------
                                           Stephen S. Romaine
                                           President and CEO