- Annual Statement of Changes in Beneficial Ownership (5)

FORM 5 [ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). [ ] Form 3 Holdings Reported [ ] Form 4 Transactions Reported	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES	OMB APPROVAL OMB Number: 3235-0362 Expires: February 28, 2011 Estimated average burden hours per response... 1.0
	Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940

1. Name and Address of Reporting Person * HARTZ GREGORY J	2. Issuer Name and Ticker or Trading Symbol TOMPKINS FINANCIAL CORP [TMP]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director                      _____ 10% Owner __ X __ Officer (give title below)      _____ Other (specify below) EVP, Pres.&CEO Tompkins Trust
(Last)          (First)          (Middle) TOMPKINS FINANCIAL CORPORATION,  P.O. BOX 460	3. Statement for Issuer's Fiscal Year Ended (MM/DD/YYYY) 12/31/2009
(Street) ITHACA, NY 14851 (City)        (State)        (Zip)	4. If Amendment, Date Original Filed (MM/DD/YYYY)	6. Individual or Joint/Group Filing (Check Applicable Line) _ X _ Form Filed by One Reporting Person ___ Form Filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security (Instr. 3)	2. Trans. Date	2A. Deemed Execution Date, if any	3. Trans. Code (Instr. 8)	4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
				Amount	(A) or (D)	Price
Common Stock	12/31/2009		L	1	A	(1)	28	I	By Son
Common Stock - 401k/esop	12/31/2009		L	201	A	(2)	2045	D
Common Stock - Ira							731	D
Common Stock Drip							3	I	By Daughter
Common Stock Drip							3	I	By Daughter 2

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Trans. Date	3A. Deemed Execution Date, if any	4. Trans. Code (Instr. 8)	5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (MM/DD/YYYY)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year (Instr. 4)	10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
					(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Incentive Stock Option (Right to Buy)	$39.25						(3)	9/16/2013	Common Stock	1815		1815	D
Incentive Stock Option (Right to Buy)	$39.34						(3)	5/3/2014	Common Stock	2723		2723	D
Incentive Stock Option (Right to Buy)	$42.39						(4)	1/23/2016	Common Stock	5500		5500	D
Incentive Stock Option (Right to Buy)	$43.51						(4)	1/18/2017	Common Stock	7500		7500	D
Incentive Stock Option (Right to Buy)	$41.00						(4)	11/29/2017	Common Stock	1954		1954	D
Non-qualified Stock Option (Right to Buy)	$41.00						(4)	11/29/2017	Common Stock	8046		8046	D
Stock Appreciation Rights (SAR)	$45.88						(5)	9/17/2019	Common Stock	10000		10000	D

Explanation of Responses:
( 1)	Shares acquired through reinvestment of quarterly cash dividends.
( 2)	Shares acquired through payroll deferral and reinvestment of quarterly cash dividends.
( 3)	The stock option becomes exercisable in four annual installments commencing two years after the date of grant.
( 4)	The stock option becomes exercisable in six annual installments commencing two years after the date of grant.
( 5)	Stock Appreciation Rights (SARs) were granted pursuant to the Tompkins Financial Corporation 2009 Equity Plan. They become exercisable in six annual installments commencing two years after the grant date, and when exercised, SARs will be settled in Common Stock of the Company.

Reporting Owners
Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
HARTZ GREGORY J TOMPKINS FINANCIAL CORPORATION P.O. BOX 460 ITHACA, NY 14851			EVP, Pres.&CEO Tompkins Trust

Signatures
/s/ Gregory J. Hartz		2/9/2010
** Signature of Reporting Person		Date

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
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