Filed by  TrustCo  Bank  Corp NY  Pursuant  to Rule 425
                    under the  Securities  Act of 1933 and deemed filed pursuant
                    to Rule 14d-2 of the Securities Exchange Act of 1934 Subject
                    Companie:   Cohoes   Bancorp,   Inc.(Commission   File   No.
                    000-25027)







August 8, 2000


                      COMPARE THE OFFERS FOR COHOES BANCORP

     TrustCo's offer $127 MILLION            Hudson's offer $89 MILLION

               WHO REALLY BENEFITS FROM THE COHOES/HUDSON MERGER?

     o   The CEO of Cohoes receives restricted stock.  Estimated value $853,000.

     o   The CEO of Hudson River is entitled to $3,000,000 if not elected co-CEO
         or CEO of the new company beginning three years
         after the merger.

     o   Directors who are not elected to the new board may receive up to
         $189,000 each over the next six years.

     o   Directors of Cohoes receive restricted stock.  Estimated value $107,000
         per director.

         IT'S NOT TOO LATE.  Even if you have voted for the acquisition of
     Cohoes by Hudson River you can change your vote.  Please sign the enclosed
     Proxy card, vote AGAINST the merger, and return it in the enclosed envelope
     today.

            REMEMBER - ITS YOUR BANK, YOUR MONEY, AND YOUR DECISION.






TrustCo  Bank Corp NY intends to file Tender  Offer  Statements  with the United
States Securities and Exchange  Commission  because its offers to acquire Cohoes
Bancorp,  Inc.  and Hudson  River  Bancorp,  Inc.  have been  rejected.  We urge
investors to carefully  read these  documents at the time they are filed because
they will contain  important  information  regarding the proposed  acquisitions.
These  documents will be available for free to any investor at the United States
Securities and Exchange  Commission's  web site  (www.sec.gov).  Shareholders of
TrustCo,  Cohoes and Hudson River may obtain a free copy of these documents upon
written  request to  TrustCo  Bank Corp NY, 320 State  Street,  Schenectady,  NY
12305, Attention: Secretary.

The above  estimates  were  based on a closing  price for HRBT of  $11.875 as of
6/30/00.  The above  information  was  extracted  from Form  S-4/A  Registration
Statement  Hudson River Bancorp,  Inc.  filed 6/30/00,  and TrustCo Bank Corp NY
Definitive Proxy filed 7/31/00.