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) April 28, 2003


                             TOMPKINS TRUSTCO, INC.
                             ----------------------

             (Exact name of registrant as specified in its charter)


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


The Commons, PO Box 460, Ithaca, NY                              14851
-----------------------------------                              -----
(Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code: (607) 273-3210
                                                    --------------


                                 Not Applicable
                                 --------------
          (Former name or former address, if changed since last report)




Item 7.  Financial Statements and Exhibits.

         (a)   Not applicable.

         (b)   Not applicable.

         (c)   Exhibits

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

                 99.1        Press Release of Tompkins Trustco, Inc. dated
                             April 23, 2003.

Item 9.  Regulation FD Disclosure.

         The information contained in this Item 9 of the Current Report on Form
8-K of Tompkins Trustco, Inc. (the "Company") is being furnished pursuant to
"Item 12- Results of Operations and Financial Condition" of Form 8-K in
accordance with SEC Release Nos. 33-8216 and 34-47583.

         On April 23, 2003, the Company issued a press release announcing its
earnings for the calendar quarter ended March 31, 2003. 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.


                                    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:  April 28, 2003                  By: /s/ JAMES J. BYRNES
                                           -------------------------------------
                                           James J. Byrnes
                                           Chairman and
                                           Chief Executive Officer


                                       2


                                INDEX TO EXHIBITS

EXHIBIT
NUMBER         EXHIBIT DESCRIPTION                                         PAGE
-------        -------------------                                         ----

 99.1          Press Release of Tompkins Trustco, Inc. dated
               April 23, 2003.


                                       3