<GUARDIAN TRUSTCO INC> 4TH QTR NET Shr 15 cts vs nine cts Net 528,000 vs 374,000 Revs not given Year Shr 1.25 dlrs vs 42 cts Net 2,853,000 vs 1,579,000 Revs 55.3 mln vs 46.8 mln Note: shr after preferred dividends