Document:

EXHIBIT 4.2(A)

                                      E-3

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                      CORRECTED ARTICLE 3.02 OF THE BY-LAWS

         3.02  The number of directors shall be at least three (3) and not
more than seven (7) provided that the number may be increased or decreased from
time to time by an amendment to these Bylaws, but no decrease shall have the
effect of shortening the term of any incumbent director. At each annual election
the shareholders shall elect directors to hold office until the next succeeding
annual meeting.

                                       E-4Exhibit 10(a)

                               AMENDMENT NO. 6 TO
   EMPLOYMENT AGREEMENT BETWEEN TRUSTCO BANK, NATIONAL ASSOCIATION AND TRUSTCO
                      BANK CORP NY AND ROBERT A. McCORMICK

      WHEREAS, TrustCo Bank Corp NY, a New York corporation (hereinafter
referred to as "TrustCo"), and Trustco Bank, National Association, a national
bank duly organized and existing under the laws of the United States
(hereinafter referred to as the "Corporation") entered into an Employment
Agreement (hereinafter referred to as the "Agreement") with Robert A. McCormick
(hereinafter referred to as the "Executive"); and WHEREAS, TrustCo, the
Corporation and the Executive desire to amend the Agreement, effective as of May
15, 2001, to (i) address the payment of Termination Benefits, as defined in the
Agreement, in the event that Section 162(m) limits the deductibility of the
payment of such Termination Benefits by TrustCo and/or the Corporation and (ii)
eliminate elections with respect to the form of payment of Termination Benefits;

      NOW, THEREFORE, the Agreement is hereby amended, effective as of May 15,
2001, so that it will read as follows:

                                       I.

      Paragraph (b) of Section 8 of the Agreement is hereby deleted in its
entirety and the following is substituted in lieu thereof:

      "(b) The Companies shall pay to the Executive within ten (10) days of his
Termination an additional lump sum amount equal to three (3) times the Annual
Compensation then in effect pursuant to paragraph 4 above; provided, however,
that if the payment of the Termination Benefits, together with the Executive's
other compensation for the calendar year (as defined in Section 162(m) of the
Internal Revenue Code) is expected to exceed the limitation on deductible
compensation set forth in Section 162(m), the payment of Termination Benefits
will automatically be deferred under the Trustco Bank Executive Officer
Incentive Plan and will not become payable until (i) the earliest calendar year
in which the payment of such deferred amount (and interest thereon), together
with the Executive's other compensation for the calendar year (as defined in
Section 162(m) is not expected to exceed the Section 162(m) limitation, or (ii)
the Section 162(m) limitation is no longer applicable to compensation paid to
the Executive, and"

      IN WITNESS WHEREOF, TrustCo, the Corporation and the Executive have caused
this Amendment No. 6 to be executed by its duly authorized officer this 15th day
of May 2001.

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                                        TRUSTCO BANK CORP NY

ATTEST:
                                        By: /s/ Henry C. Collins
                                            _______________________________
                                                Henry C. Collins, Secretary

                                        TRUSTCO BANK, NATIONAL ASSOCIATION

/s/ William M. McCartan
_________________________________________
William M. McCartan,  Assistant Secretary

                                        By:/s/ Henry C Collins
                                           ___________________
                                             Henry C. Collins

                                        EXECUTIVE

                                        /s/ Robert.A. Mccormick
                                            _______________________
                                            Robert A. McCormick

                                       27Exhibit 10(b)

                                 AMENDMENT NO. 2
                                       TO
                              SECOND RESTATEMENT OF
                    TRUSTCO BANK SUPPLEMENTAL RETIREMENT PLAN

      WHEREAS, Trustco Bank, National Association, a national bank duly
organized and existing under the laws of the United States (hereinafter referred
to as the "Corporation") maintains the Trustco Bank Supplemental Retirement Plan
(hereinafter referred to as the "Plan"); and WHEREAS, the Corporation desires to
amend said Plan effective as of January 1, 2002, unless otherwise indicated;

     NOW, THEREFORE,  the Corporation does hereby amend the Plan effective
as of
January 1, 2002, unless otherwise indicated, so that it will read as
follows:

                                       I.

      The following new Section 3.7 is hereby added after Section 3.6 of the
Plan:

      "SECTION 3.7. Limitation on Supplemental Account Balance. (a)
Not-withstanding the above, the Supplemental Account Balance on any Valuation
Date on or after December 31, 2001 shall not exceed seven million dollars (not
including the interest credits provided in Section 3.7(b)), less the Actuarial
Equivalent of the amount of any previous distribution under Section 4.3 or 4.4.

      (b) After the Monthly Allocation Date on which the Supplemental Account
Balance is limited as provided in Section 3.7(a), it shall be increased as of
each subsequent Valuation Date by an amount equal to interest on the
Supplemental Account Balance as of the preceding Valuation Date (adjusted for
any distributions made to the Participant in accordance with Section 4.4 since
the immediately preceding Valuation Date) at the interest rate on 30-year
Treasury securities as specified by the Commissioner of the Internal Revenue
Service for the month of November of the calendar year immediately preceding the
calendar year of the determination (or such other interest rate as may be then
applied for purposes of determining the amount of a lump sum distribution, as
specified in Section 1.3C of the Retirement Plan), prorated for periods of less
than one year."

                                       28
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                                       II.

      Throughout the Plan, the following parenthetical phrase is added after the
phrase "the interest rate on 30-year Treasury securities as specified by the
Commissioner of the Internal Revenue Service for the month of November of the
calendar year preceding the calendar year of the determination:"

      "(or such other interest rate as may be then applied for purposes of
      determining the amount of a lump sum distribution, as specified in Section
      1.3C of the Retirement Plan)"

      IN WITNESS WHEREOF, the Corporation has caused this Amendment No. 2 to be
executed by its duly authorized officer this 15th day of May, 2001.

 ATTEST:
                                        TRUSTCO BANK, NATIONAL ASSOCIATION

/s/ William M. McCartan                 By:/s/ Henry C. Collins
________________________                   _____________________________________
Willaim M. McCartan,                       Henry C. Collins,
Assistant Secretary                        Secretary

                                       29Exhibit 10(c)
                                 AMENDMENT NO. 3
                                       TO
                                 RESTATEMENT OF
                  TRUSTCO BANK EXECUTIVE OFFICER INCENTIVE PLAN

      WHEREAS, Trustco Bank, National Association (hereinafter referred to as
(the "Corporation") maintains the Trustco Bank Executive Officer Incentive Plan
(hereinafter referred to as the "Plan"); and

      WHEREAS, the Corporation desires to amend said Plan effective as of May
15, 2001;

      NOW, THEREFORE, the Corporation does hereby amend the Plan effective as of
May 15, 2001, so that it will read as follows:

                                       I.

      Section 3.4 of the Plan is hereby deleted in its entirety and the
following is substituted lieu thereof:

      "Section 3.4 Incentive Awards that were automatically deferred under the
      Plan prior to January 1, 2002, pursuant to Section 3.4 of the Plan as then
      in effect, will be accounted for through a separate subaccount of the
      Participant's Deferred Compensation Account and will be credited with
      interest as provided in Section 4.3 of the Plan. Amounts in such
      subaccount will become payable in the earliest calendar year in which (i)
      the payment of such deferred amount (and interest thereon), together with
      other compensation to be paid to the Participant and reportable on the
      Participant's Form W-2, is not expected to exceed the Section 162(m)
      limitation, or (ii) the Section 162(m) limitation is no longer applicable
      to compensation paid to the Participant. Deferred Incentive Awards, and
      earnings thereon, which become payable under this Section 3.4 will be paid
      in the order such Incentive Awards were deferred."

                                       II.

      The title of ARTICLE IV of the Plan is hereby deleted and the following is
substituted in lieu thereof:

                                   "ARTICLE IV
             DEFERRAL OF INCENTIVE AWARDS AND TERMINATION BENEFITS"

                                      III.

      The following new Section 4.5 is hereby added after Section 4.4 of the
Plan:

      "Section 4.5 Payment of termination benefits, as defined under a
      Participant's employment agreement, will automatically be deferred to the
      extent that such payment, together with a Participant's other compensation
      for the calendar year, as defined in Section 162(m) of the Code, is
      expected to exceed the Code Section 162(m) limitation on deductible
      compensation paid to the Participant.

                                       30
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      The date of the initial deferral will be the date the termination benefits
would have been paid to the Participant, but for the provisions of this Section
4.5. Such deferred amount will be credited to a separate subaccount of the
Participant's Deferred Compensation Account and will be credited with interest
as provided in Section 4.3 of the Plan. Any amount deferred pursuant to this
Section 4.5 will become payable in the earliest calendar year in which (i) the
payment of such deferred amount (and interest thereon), together with the
Participant's other compensation for the calendar year as defined in Code
Section 162(m), does not exceed the Code Section 162(m) limitation, or (ii) the
Section 162(m) limitation is no longer applicable to compensation paid to the
Participant."

      IN WITNESS WHEREOF, the Corporation has caused this Amendment No. 3 to be
executed by its duly authorized officer this 15th day of May, 2001.

ATTEST:
TRUSTCO BANK, NATIONAL ASSOCIATION

/s/ William M. McCartan                          By: /s/ Henry C. Collins
________________________________________            ___________________________
William M. McCartan, Assistant Secretary            Henry C. Collins, Secretary

                                       31

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