The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T Inc Com 00206R102 1,869 65,572 SH   SOLE 0 62,661 0 2,911
AT&T Inc Com 00206R102 1,219 42,762 SH   OTR 0 37,099 400 5,263
Abbott Labs Com 002824100 6,732 61,859 SH   SOLE 0 61,259 0 600
Abbott Labs Com 002824100 2,328 21,392 SH   OTR 0 19,551 621 1,220
Abbvie Inc Com 00287Y109 2,424 27,671 SH   SOLE 0 27,371 0 300
Abbvie Inc Com 00287Y109 1,581 18,047 SH   OTR 0 14,552 295 3,200
Aberdeen Asia-Pac Income Fd Com 003009107 100 25,000 SH   SOLE 0 25,000 0 0
Activision Blizzard, Inc Com 00507V109 767 9,473 SH   SOLE 0 9,473 0 0
Activision Blizzard, Inc Com 00507V109 514 6,350 SH   OTR 0 6,350 0 0
Air Products & Chemicals Inc Com 009158106 1,815 6,092 SH   SOLE 0 6,092 0 0
Air Products & Chemicals Inc Com 009158106 573 1,925 SH   OTR 0 1,925 0 0
Alphabet Inc Cl C Com 02079K107 3,449 2,347 SH   SOLE 0 2,257 0 90
Alphabet Inc Cl C Com 02079K107 3,202 2,179 SH   OTR 0 2,049 0 130
Alphabet Inc Cl A Com 02079K305 2,757 1,881 SH   SOLE 0 1,861 0 20
Alphabet Inc Cl A Com 02079K305 717 489 SH   OTR 0 374 0 115
Altria Group Inc Com 02209S103 505 13,063 SH   SOLE 0 12,288 0 775
Altria Group Inc Com 02209S103 1,327 34,342 SH   OTR 0 33,642 0 700
Amazon.Com Inc Com 023135106 2,003 636 SH   SOLE 0 636 0 0
Amazon.Com Inc Com 023135106 967 307 SH   OTR 0 247 0 60
American Express CO Com 025816109 514 5,127 SH   SOLE 0 5,127 0 0
American Express CO Com 025816109 295 2,946 SH   OTR 0 1,260 0 1,686
American Tower Corp REIT Com 03027X100 133 550 SH   SOLE 0 550 0 0
American Tower Corp REIT Com 03027X100 173 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,536 10,605 SH   SOLE 0 10,605 0 0
American Water Works CO Inc Com 030420103 1,109 7,655 SH   OTR 0 6,125 100 1,430
Amgen Inc Com 031162100 669 2,631 SH   SOLE 0 2,631 0 0
Amgen Inc Com 031162100 422 1,660 SH   OTR 0 1,660 0 0
Apache Corp Com 037411105 94 9,942 SH   SOLE 0 9,942 0 0
Apache Corp Com 037411105 25 2,685 SH   OTR 0 2,585 100 0
Apple Inc Com 037833100 19,941 172,186 SH   SOLE 0 157,983 360 13,843
Apple Inc Com 037833100 10,379 89,617 SH   OTR 0 76,617 2,900 10,100
Arrow Finl Corp Com 042744102 233 9,276 SH   SOLE 0 1,563 0 7,713
Arrow Finl Corp Com 042744102 93 3,688 SH   OTR 0 3,688 0 0
Autoliv Inc Com 052800109 713 9,780 SH   SOLE 0 8,736 0 1,044
Autoliv Inc Com 052800109 898 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 3,255 23,334 SH   SOLE 0 23,054 0 280
Automatic Data Processing Inc Com 053015103 922 6,608 SH   OTR 0 5,988 140 480
Bank of America Corp Com 060505104 580 24,063 SH   SOLE 0 23,415 0 648
Bank of America Corp Com 060505104 242 10,025 SH   OTR 0 10,025 0 0
Bank of New York Mellon Corp Com 064058100 371 10,813 SH   SOLE 0 10,813 0 0
Bank of New York Mellon Corp Com 064058100 29 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 627 7,797 SH   SOLE 0 7,797 0 0
Baxter Intl Inc Com 071813109 286 3,555 SH   OTR 0 1,995 100 1,460
Becton Dickinson Com 075887109 315 1,353 SH   SOLE 0 1,353 0 0
Becton Dickinson Com 075887109 246 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,269 10,654 SH   SOLE 0 10,424 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,903 8,938 SH   OTR 0 8,918 20 0
Best Buy Company Inc Com 086516101 498 4,473 SH   SOLE 0 4,473 0 0
Best Buy Company Inc Com 086516101 44 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 159 3,074 SH   SOLE 0 2,874 0 200
BHP Group Ltd Spons ADR Com 088606108 81 1,575 SH   OTR 0 1,525 0 50
Blackrock Inc Cl A Com 09247X101 33 59 SH   SOLE 0 59 0 0
Blackrock Inc Cl A Com 09247X101 271 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 943 5,707 SH   SOLE 0 5,472 0 235
Boeing CO Com 097023105 1,346 8,143 SH   OTR 0 7,993 150 0
Bristol Myers Squibb CO Com 110122108 4,555 75,552 SH   SOLE 0 72,707 725 2,120
Bristol Myers Squibb CO Com 110122108 2,330 38,654 SH   OTR 0 32,565 250 5,839
Csx Corp Com 126408103 235 3,031 SH   SOLE 0 3,031 0 0
Csx Corp Com 126408103 168 2,160 SH   OTR 0 2,160 0 0
CVS Health Corp Com 126650100 2,079 35,601 SH   SOLE 0 34,781 0 820
CVS Health Corp Com 126650100 1,112 19,041 SH   OTR 0 15,526 340 3,175
Carrier Global Corporation Com 14448C104 923 30,238 SH   SOLE 0 29,268 100 870
Carrier Global Corporation Com 14448C104 773 25,299 SH   OTR 0 21,458 1,186 2,655
Caterpillar Inc Com 149123101 1,979 13,267 SH   SOLE 0 12,379 0 888
Caterpillar Inc Com 149123101 1,531 10,265 SH   OTR 0 9,920 45 300
Chevron Corporation Com 166764100 3,263 45,317 SH   SOLE 0 43,177 375 1,765
Chevron Corporation Com 166764100 2,348 32,607 SH   OTR 0 30,879 385 1,343
Cisco Systems Inc Com 17275R102 2,688 68,251 SH   SOLE 0 64,358 0 3,893
Cisco Systems Inc Com 17275R102 1,970 50,006 SH   OTR 0 48,806 595 605
Citigroup Inc Com 172967424 527 12,214 SH   SOLE 0 12,214 0 0
Citigroup Inc Com 172967424 299 6,945 SH   OTR 0 6,045 150 750
Clorox Company Com 189054109 1,161 5,526 SH   SOLE 0 5,526 0 0
Clorox Company Com 189054109 633 3,010 SH   OTR 0 2,525 0 485
Coca Cola CO Com 191216100 2,961 59,968 SH   SOLE 0 53,734 960 5,274
Coca Cola CO Com 191216100 1,119 22,665 SH   OTR 0 17,400 150 5,115
Colgate Palmolive CO Com 194162103 1,191 15,434 SH   SOLE 0 13,304 430 1,700
Colgate Palmolive CO Com 194162103 633 8,210 SH   OTR 0 4,510 0 3,700
ComCast Corp-Cl A Com 20030N101 1,061 22,927 SH   SOLE 0 20,653 0 2,274
ComCast Corp-Cl A Com 20030N101 484 10,469 SH   OTR 0 8,246 650 1,573
Community Bank System Inc Com 203607106 269 4,935 SH   SOLE 0 4,733 0 202
Community Bank System Inc Com 203607106 71 1,300 SH   OTR 0 300 1,000 0
Conocophillips Com 20825C104 293 8,925 SH   SOLE 0 8,825 100 0
Conocophillips Com 20825C104 71 2,177 SH   OTR 0 1,927 100 150
Corning Inc Com 219350105 554 17,101 SH   SOLE 0 17,101 0 0
Corning Inc Com 219350105 387 11,950 SH   OTR 0 9,200 900 1,850
Corteva Inc Com Com 22052L104 97 3,351 SH   SOLE 0 3,260 0 91
Corteva Inc Com Com 22052L104 243 8,447 SH   OTR 0 7,937 0 510
Costco Wholesale Corp Com 22160K105 611 1,722 SH   SOLE 0 1,722 0 0
Costco Wholesale Corp Com 22160K105 415 1,169 SH   OTR 0 529 0 640
DTE Energy Co Com 233331107 409 3,554 SH   SOLE 0 3,554 0 0
Danaher Corp Com 235851102 4,643 21,564 SH   SOLE 0 19,334 0 2,230
Danaher Corp Com 235851102 2,617 12,153 SH   OTR 0 10,503 140 1,510
Deere & CO Com 244199105 1,898 8,563 SH   SOLE 0 8,373 25 165
Deere & CO Com 244199105 2,577 11,627 SH   OTR 0 11,557 70 0
Digital Realty Trust Inc REIT Com 253868103 140 951 SH   SOLE 0 951 0 0
Digital Realty Trust Inc REIT Com 253868103 176 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 4,434 35,731 SH   SOLE 0 34,548 0 1,183
Disney Walt CO New Com 254687106 2,769 22,315 SH   OTR 0 20,850 570 895
Dominion Resources Inc Com 25746U109 1,337 16,943 SH   SOLE 0 16,633 0 310
Dominion Resources Inc Com 25746U109 783 9,915 SH   OTR 0 7,395 80 2,440
Dow Inc Com Com 260557103 621 13,190 SH   SOLE 0 13,099 0 91
Dow Inc Com Com 260557103 651 13,843 SH   OTR 0 12,587 16 1,240
Duke Energy Corp Com 26441C204 427 4,821 SH   SOLE 0 4,521 300 0
Duke Energy Corp Com 26441C204 165 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 795 14,326 SH   SOLE 0 14,235 0 91
Dupont De Nemours Inc Com 26614N102 823 14,830 SH   OTR 0 13,687 16 1,127
Ecolab Inc Com 278865100 1,480 7,407 SH   SOLE 0 7,407 0 0
Ecolab Inc Com 278865100 578 2,890 SH   OTR 0 2,250 40 600
Emerson Elec CO Com 291011104 781 11,915 SH   SOLE 0 11,915 0 0
Emerson Elec CO Com 291011104 377 5,756 SH   OTR 0 5,656 100 0
Enterprise Prods Partners LP Com 293792107 59 3,750 SH   SOLE 0 3,750 0 0
Enterprise Prods Partners LP Com 293792107 101 6,400 SH   OTR 0 3,400 0 3,000
Exelon Corp Com 30161N101 177 4,943 SH   SOLE 0 4,943 0 0
Exelon Corp Com 30161N101 174 4,865 SH   OTR 0 4,515 0 350
Exxonmobil Corp Com 30231G102 3,354 97,687 SH   SOLE 0 93,631 820 3,236
Exxonmobil Corp Com 30231G102 2,563 74,655 SH   OTR 0 70,855 635 3,165
Facebook Inc-A Com 30303M102 1,316 5,024 SH   SOLE 0 5,024 0 0
Facebook Inc-A Com 30303M102 1,170 4,469 SH   OTR 0 4,469 0 0
Fedex Corporation Com 31428X106 208 826 SH   SOLE 0 826 0 0
Fedex Corporation Com 31428X106 25 100 SH   OTR 0 100 0 0
Fiserv Inc Com 337738108 489 4,747 SH   SOLE 0 4,747 0 0
Fiserv Inc Com 337738108 90 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 28,007 1,008,915 SH   SOLE 0 1,003,179 0 5,736
FlexShares Mstar Glbl Upstrm N Com 33939L407 2,554 91,999 SH   OTR 0 85,272 340 6,387
FlexShares Global Quality Real Com 33939L787 472 8,990 SH   SOLE 0 8,990 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 3,876 77,747 SH   SOLE 0 77,747 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 256 5,130 SH   OTR 0 4,600 0 530
FlexShares International Quali Com 33939L837 537 25,975 SH   SOLE 0 25,975 0 0
FlexShares International Quali Com 33939L837 67 3,240 SH   OTR 0 3,240 0 0
Ford Motor CO Del Com 345370860 84 12,629 SH   SOLE 0 11,629 0 1,000
Ford Motor CO Del Com 345370860 3 400 SH   OTR 0 400 0 0
Fortive Corp Com 34959J108 414 5,428 SH   SOLE 0 4,618 0 810
Fortive Corp Com 34959J108 170 2,229 SH   OTR 0 1,385 50 794
General Dynamics Corp Com 369550108 753 5,443 SH   SOLE 0 5,293 0 150
General Dynamics Corp Com 369550108 129 935 SH   OTR 0 835 0 100
General Electric Corp Com 369604103 236 37,804 SH   SOLE 0 34,971 0 2,833
General Electric Corp Com 369604103 155 24,895 SH   OTR 0 23,870 0 1,025
General Mls Inc Com 370334104 735 11,913 SH   SOLE 0 11,415 0 498
General Mls Inc Com 370334104 509 8,255 SH   OTR 0 6,460 100 1,695
Gilead Sciences Inc Com 375558103 295 4,661 SH   SOLE 0 4,661 0 0
Gilead Sciences Inc Com 375558103 258 4,080 SH   OTR 0 1,580 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 280 7,426 SH   SOLE 0 7,201 0 225
Glaxo Smithkline Spons ADR Com 37733W105 190 5,037 SH   OTR 0 4,032 255 750
Goldman Sachs Group Inc Com 38141G104 812 4,038 SH   SOLE 0 4,018 20 0
Goldman Sachs Group Inc Com 38141G104 763 3,795 SH   OTR 0 3,795 0 0
Grainger W W Inc Com 384802104 1,213 3,400 SH   SOLE 0 3,400 0 0
Grainger W W Inc Com 384802104 799 2,240 SH   OTR 0 1,270 100 870
Home Depot Inc Com 437076102 934 3,364 SH   SOLE 0 3,364 0 0
Home Depot Inc Com 437076102 1,797 6,470 SH   OTR 0 5,070 150 1,250
Honeywell International Inc Com 438516106 2,994 18,187 SH   SOLE 0 17,272 0 915
Honeywell International Inc Com 438516106 1,317 8,001 SH   OTR 0 5,210 300 2,491
Illinois Tool Wks Inc Com 452308109 346 1,790 SH   SOLE 0 1,790 0 0
Illinois Tool Wks Inc Com 452308109 87 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 5,810 112,215 SH   SOLE 0 109,515 1,200 1,500
Intel Corp Com 458140100 2,245 43,354 SH   OTR 0 40,254 1,250 1,850
Intercontinental Exchange Inc Com 45866F104 691 6,905 SH   SOLE 0 6,905 0 0
Intercontinental Exchange Inc Com 45866F104 122 1,215 SH   OTR 0 1,015 0 200
Intl. Business Machines Corp Com 459200101 2,370 19,482 SH   SOLE 0 17,594 435 1,453
Intl. Business Machines Corp Com 459200101 1,490 12,246 SH   OTR 0 10,663 0 1,583
Invesco Tr II Senior Loan ETF Com 46138G508 95 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 171 7,875 SH   OTR 0 7,875 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 354 2,801 SH   SOLE 0 2,801 0 0
Ishares Core Total U.S. Aggreg Com 464287226 229 1,941 SH   SOLE 0 1,941 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,589 81,405 SH   SOLE 0 80,579 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 832 18,879 SH   OTR 0 17,899 255 725
Ishares Msci Eafe ETF Com 464287465 3,139 49,319 SH   SOLE 0 49,319 0 0
Ishares Msci Eafe ETF Com 464287465 867 13,629 SH   OTR 0 13,069 235 325
Ishares Russell Mid Cap ETF Com 464287499 239 4,165 SH   SOLE 0 4,165 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,427 7,700 SH   SOLE 0 7,700 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 364 1,966 SH   OTR 0 1,766 0 200
Ishares Nasdaq Biotech ETF Com 464287556 3,067 22,653 SH   SOLE 0 22,065 96 492
Ishares Nasdaq Biotech ETF Com 464287556 2,012 14,862 SH   OTR 0 12,632 615 1,615
Ishares S&P Midcap 400/Grwth E Com 464287606 213 890 SH   SOLE 0 890 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 130 545 SH   OTR 0 545 0 0
Ishares Russell 1000 Growth ET Com 464287614 246 1,132 SH   SOLE 0 1,132 0 0
Ishares Russell 2000 ETF Com 464287655 4,434 29,603 SH   SOLE 0 28,351 0 1,252
Ishares Russell 2000 ETF Com 464287655 481 3,208 SH   OTR 0 3,043 130 35
Ishares DJ US Telcom Sector ET Com 464287713 640 23,522 SH   SOLE 0 23,522 0 0
Ishares DJ US Telcom Sector ET Com 464287713 534 19,640 SH   OTR 0 19,440 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 304 4,329 SH   SOLE 0 4,329 0 0
Ishares Core S&P Small-Cap ETF Com 464287804 9 135 SH   OTR 0 135 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 3,344 56,695 SH   SOLE 0 56,685 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 404 6,845 SH   OTR 0 6,845 0 0
Ishares New York Muni Bond ETF Com 464288323 899 15,642 SH   SOLE 0 15,642 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,253 14,940 SH   SOLE 0 14,940 0 0
Ishares IBoxx High Yield Corpo Com 464288513 4 50 SH   OTR 0 50 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 246 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,046 56,139 SH   SOLE 0 56,139 0 0
Ishares S&P Pref Stk ETF Com 464288687 515 14,128 SH   OTR 0 10,148 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 17,703 196,964 SH   SOLE 0 194,871 0 2,093
Ishares MSCI EAFE Growth ETF Com 464288885 1,156 12,857 SH   OTR 0 12,857 0 0
IShares Russell Top 200 Growth Com 464289438 254 2,090 SH   SOLE 0 2,090 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 251 4,332 SH   SOLE 0 4,332 0 0
iShares Core High Dividend ETF Com 46429B663 262 3,261 SH   SOLE 0 3,261 0 0
Ishares Core Msci Eafe ETF Com 46432F842 7,346 121,858 SH   SOLE 0 121,803 0 55
Ishares Core Msci Eafe ETF Com 46432F842 596 9,895 SH   OTR 0 9,895 0 0
Ishares Core Emerging Markets Com 46434G103 3,279 62,093 SH   SOLE 0 62,093 0 0
Ishares Core Emerging Markets Com 46434G103 733 13,885 SH   OTR 0 11,860 0 2,025
JP Morgan Chase & CO Com 46625H100 7,302 75,846 SH   SOLE 0 74,294 112 1,440
JP Morgan Chase & CO Com 46625H100 4,731 49,140 SH   OTR 0 41,940 640 6,560
JPMorgan Ultra-Short Income ET Com 46641Q837 127 2,500 SH   SOLE 0 2,500 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 254 5,000 SH   OTR 0 0 0 5,000
Jacobs Engineering Group Inc Com 469814107 83 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 276 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 9,596 64,455 SH   SOLE 0 58,655 150 5,650
Johnson & Johnson Com 478160104 4,493 30,176 SH   OTR 0 26,201 310 3,665
Keycorp Com 493267108 136 11,388 SH   SOLE 0 11,388 0 0
Keycorp Com 493267108 99 8,300 SH   OTR 0 8,300 0 0
Kimberly Clark Corp Com 494368103 580 3,928 SH   SOLE 0 3,928 0 0
Kimberly Clark Corp Com 494368103 137 925 SH   OTR 0 925 0 0
Kraft Heinz CO Com 500754106 68 2,269 SH   SOLE 0 2,269 0 0
Kraft Heinz CO Com 500754106 212 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 669 4,517 SH   SOLE 0 3,989 0 528
Lilly Eli & CO Com 532457108 927 6,260 SH   OTR 0 5,235 0 1,025
Lockheed Martin Corp Com 539830109 2,864 7,472 SH   SOLE 0 6,957 0 515
Lockheed Martin Corp Com 539830109 802 2,093 SH   OTR 0 2,093 0 0
Lowes Cos Inc Com 548661107 8,083 48,733 SH   SOLE 0 48,203 25 505
Lowes Cos Inc Com 548661107 4,311 25,992 SH   OTR 0 24,662 330 1,000
MFS Inter Income Tr Sh Ben Int Com 55273C107 63 17,000 SH   SOLE 0 17,000 0 0
Mastercard Inc Cl A Com 57636Q104 222 655 SH   SOLE 0 655 0 0
Mastercard Inc Cl A Com 57636Q104 188 555 SH   OTR 0 555 0 0
McDonalds Corp Com 580135101 7,085 32,281 SH   SOLE 0 32,051 75 155
McDonalds Corp Com 580135101 4,099 18,676 SH   OTR 0 17,761 240 675
Merck & CO Inc Com 58933Y105 3,464 41,758 SH   SOLE 0 40,283 675 800
Merck & CO Inc Com 58933Y105 1,813 21,862 SH   OTR 0 20,897 140 825
Metlife Inc Com 59156R108 286 7,686 SH   SOLE 0 7,686 0 0
Metlife Inc Com 59156R108 61 1,637 SH   OTR 0 1,226 111 300
Microsoft Corp Com 594918104 16,327 77,628 SH   SOLE 0 74,325 215 3,088
Microsoft Corp Com 594918104 8,434 40,098 SH   OTR 0 37,142 690 2,266
Microchip Technology Inc Com 595017104 1,856 18,060 SH   SOLE 0 18,060 0 0
Microchip Technology Inc Com 595017104 569 5,533 SH   OTR 0 4,608 150 775
Mondelez International Inc Com 609207105 513 8,927 SH   SOLE 0 8,513 0 414
Mondelez International Inc Com 609207105 1,024 17,817 SH   OTR 0 17,817 0 0
NBT Bancorp Inc Com 628778102 9,624 358,837 SH   SOLE 0 259,550 0 99,287
NBT Bancorp Inc Com 628778102 566 21,114 SH   OTR 0 17,848 0 3,266
Netflix Inc Com 64110L106 376 752 SH   SOLE 0 752 0 0
Nextera Energy Inc Com 65339F101 2,210 7,963 SH   SOLE 0 7,513 0 450
Nextera Energy Inc Com 65339F101 1,993 7,182 SH   OTR 0 4,352 30 2,800
Nike Inc-Class B Com 654106103 2,688 21,410 SH   SOLE 0 21,410 0 0
Nike Inc-Class B Com 654106103 885 7,050 SH   OTR 0 7,050 0 0
Norfolk Southern Corp Com 655844108 1,024 4,784 SH   SOLE 0 4,784 0 0
Norfolk Southern Corp Com 655844108 1,557 7,275 SH   OTR 0 4,780 70 2,425
Novartis Ag Spons ADR Com 66987V109 1,266 14,556 SH   SOLE 0 14,406 0 150
Novartis Ag Spons ADR Com 66987V109 844 9,702 SH   OTR 0 9,552 150 0
Nucor Corp Com 670346105 441 9,827 SH   SOLE 0 9,827 0 0
Nucor Corp Com 670346105 273 6,075 SH   OTR 0 4,625 0 1,450
Nvidia Corp Com 67066G104 387 715 SH   SOLE 0 715 0 0
Nvidia Corp Com 67066G104 222 410 SH   OTR 0 410 0 0
O'Reilly Automotive Inc Com 67103H107 277 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 2,471 41,384 SH   SOLE 0 39,884 0 1,500
Oracle Corporation Com 68389X105 657 11,010 SH   OTR 0 8,510 0 2,500
Otis Worldwide Corp Com 68902V107 941 15,075 SH   SOLE 0 14,590 50 435
Otis Worldwide Corp Com 68902V107 731 11,719 SH   OTR 0 10,599 593 527
Paypal Holdings Inc Com 70450Y103 277 1,407 SH   SOLE 0 1,407 0 0
Paypal Holdings Inc Com 70450Y103 638 3,240 SH   OTR 0 990 0 2,250
Pepsico Inc Com 713448108 6,563 47,353 SH   SOLE 0 46,680 100 573
Pepsico Inc Com 713448108 2,898 20,908 SH   OTR 0 19,753 345 810
Pfizer Inc Com 717081103 4,002 109,049 SH   SOLE 0 104,528 0 4,521
Pfizer Inc Com 717081103 2,341 63,796 SH   OTR 0 58,922 1,410 3,464
Philip Morris International Com 718172109 725 9,673 SH   SOLE 0 8,998 0 675
Philip Morris International Com 718172109 2,070 27,602 SH   OTR 0 27,602 0 0
T Rowe Price Group Inc Com 74144T108 3,366 26,254 SH   SOLE 0 26,204 50 0
T Rowe Price Group Inc Com 74144T108 1,953 15,228 SH   OTR 0 14,633 295 300
Procter & Gamble CO Com 742718109 10,953 78,802 SH   SOLE 0 73,829 450 4,523
Procter & Gamble CO Com 742718109 5,171 37,203 SH   OTR 0 32,413 380 4,410
Prudential Finl Inc Com 744320102 837 13,175 SH   SOLE 0 13,125 50 0
Prudential Finl Inc Com 744320102 756 11,902 SH   OTR 0 11,552 150 200
Public Service Enterprise Grou Com 744573106 141 2,572 SH   SOLE 0 2,572 0 0
Public Service Enterprise Grou Com 744573106 140 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,063 26,024 SH   SOLE 0 25,599 0 425
Qualcomm Inc Com 747525103 1,672 14,204 SH   OTR 0 13,479 225 500
Quanta Services Incorporated Com 74762E102 357 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 2,234 38,830 SH   SOLE 0 37,860 100 870
Raytheon Technologies Corp Com 75513E101 1,657 28,796 SH   OTR 0 24,555 1,186 3,055
Rockwell Automation Inc Com 773903109 669 3,030 SH   SOLE 0 3,030 0 0
Rockwell Automation Inc Com 773903109 55 250 SH   OTR 0 250 0 0
S&P Global Inc Com 78409V104 613 1,700 SH   OTR 0 0 0 1,700
SPDR S&P 500 ETF Trust Com 78462F103 4,067 12,143 SH   SOLE 0 11,774 0 369
SPDR S&P 500 ETF Trust Com 78462F103 615 1,835 SH   OTR 0 1,475 160 200
SPDR Gold Trust Com 78463V107 295 1,663 SH   SOLE 0 1,663 0 0
SPDR Gold Trust Com 78463V107 9 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 234 6,394 SH   SOLE 0 6,394 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,819 130,514 SH   SOLE 0 130,514 0 0
SPDR Portfolio Developed Wld e Com 78463X889 885 30,255 SH   OTR 0 30,255 0 0
SPDR Preferred Stock ETF Com 78464A292 274 6,310 SH   SOLE 0 6,310 0 0
SPDR Portfolio Intermediate Te Com 78464A375 729 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,237 34,668 SH   SOLE 0 34,168 0 500
SPDR S&P Regional Banking ETF Com 78464A698 740 20,750 SH   OTR 0 20,550 100 100
SPDR S&P Dividend ETF Com 78464A763 8,620 93,289 SH   SOLE 0 93,289 0 0
SPDR S&P Dividend ETF Com 78464A763 725 7,850 SH   OTR 0 7,450 0 400
SPDR Dow Jones Industrial Aver Com 78467X109 1,062 3,827 SH   SOLE 0 3,827 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 222 800 SH   OTR 0 700 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,086 17,963 SH   SOLE 0 17,077 0 886
Midcap SPDR Trust Series 1 Com 78467Y107 774 2,283 SH   OTR 0 2,171 60 52
Salesforce.Com Com 79466L302 1,837 7,311 SH   SOLE 0 7,291 20 0
Salesforce.Com Com 79466L302 1,071 4,260 SH   OTR 0 4,260 0 0
Schlumberger Ltd Com 806857108 455 29,265 SH   SOLE 0 28,550 0 715
Schlumberger Ltd Com 806857108 253 16,279 SH   OTR 0 16,119 160 0
Charles Schwab Corp Com 808513105 81 2,222 SH   SOLE 0 2,222 0 0
Charles Schwab Corp Com 808513105 130 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 1,243 18,190 SH   SOLE 0 18,190 0 0
Schwab US Small Cap ETF Com 808524607 67 975 SH   OTR 0 975 0 0
Schwab US Dividend Equity ETF Com 808524797 5,663 102,404 SH   SOLE 0 100,485 0 1,919
Schwab US Dividend Equity ETF Com 808524797 924 16,715 SH   OTR 0 16,715 0 0
Schwab International Equity ET Com 808524805 355 11,305 SH   SOLE 0 11,305 0 0
Schwab International Equity ET Com 808524805 338 10,774 SH   OTR 0 10,774 0 0
Schwab US Aggregate Bd ETF Com 808524839 354 6,313 SH   SOLE 0 6,313 0 0
Schwab US Aggregate Bd ETF Com 808524839 983 17,535 SH   OTR 0 17,270 0 265
Materials Select SPDR Fund Com 81369Y100 1,277 20,072 SH   SOLE 0 18,074 0 1,998
Materials Select SPDR Fund Com 81369Y100 574 9,021 SH   OTR 0 8,201 375 445
Health Care Select Sector SPDR Com 81369Y209 981 9,301 SH   SOLE 0 9,301 0 0
Health Care Select Sector SPDR Com 81369Y209 52 491 SH   OTR 0 491 0 0
Consumer Staples Select Sector Com 81369Y308 565 8,816 SH   SOLE 0 8,256 0 560
Consumer Staples Select Sector Com 81369Y308 81 1,267 SH   OTR 0 987 100 180
Consumer Discretionary Selt Com 81369Y407 1,584 10,779 SH   SOLE 0 8,949 0 1,830
Consumer Discretionary Selt Com 81369Y407 176 1,195 SH   OTR 0 770 300 125
Energy Select Sector SPDR Com 81369Y506 324 10,804 SH   SOLE 0 10,229 0 575
Energy Select Sector SPDR Com 81369Y506 33 1,103 SH   OTR 0 883 80 140
Financial Select Sector SPDR Com 81369Y605 820 34,068 SH   SOLE 0 31,379 0 2,689
Financial Select Sector SPDR Com 81369Y605 21 860 SH   OTR 0 660 200 0
Industrial Select Sector SPDR Com 81369Y704 968 12,572 SH   SOLE 0 12,572 0 0
Industrial Select Sector SPDR Com 81369Y704 107 1,390 SH   OTR 0 1,300 0 90
Technology Select Sect SPDR Com 81369Y803 2,491 21,344 SH   SOLE 0 21,083 162 99
Technology Select Sect SPDR Com 81369Y803 314 2,687 SH   OTR 0 2,537 150 0
Real Estate Select Sect SPDR Com 81369Y860 828 23,470 SH   SOLE 0 21,352 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,237 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 1,558 26,243 SH   SOLE 0 24,600 0 1,643
Utilities Select Sector SPDR Com 81369Y886 861 14,493 SH   OTR 0 13,516 475 502
Skyworks Solutions Inc Com 83088M102 262 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,011 18,645 SH   SOLE 0 18,645 0 0
Southern Company Com 842587107 652 12,024 SH   OTR 0 11,899 0 125
Starbucks Corp Com 855244109 125 1,451 SH   SOLE 0 1,451 0 0
Starbucks Corp Com 855244109 426 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 173 2,920 SH   SOLE 0 2,920 0 0
State Street Corp Com 857477103 34 575 SH   OTR 0 575 0 0
Stericycle Inc Com 858912108 202 3,205 SH   SOLE 0 3,205 0 0
Stericycle Inc Com 858912108 112 1,775 SH   OTR 0 925 0 850
Stryker Corporation Com 863667101 224 1,076 SH   SOLE 0 1,076 0 0
Sysco Corp Com 871829107 394 6,330 SH   SOLE 0 6,330 0 0
Sysco Corp Com 871829107 425 6,824 SH   OTR 0 6,399 0 425
TJX Cos Inc Com 872540109 2,019 36,279 SH   SOLE 0 34,679 300 1,300
TJX Cos Inc Com 872540109 2,025 36,395 SH   OTR 0 31,851 340 4,204
Target Corp Com 87612E106 3,355 21,311 SH   SOLE 0 21,036 0 275
Target Corp Com 87612E106 2,171 13,792 SH   OTR 0 10,952 175 2,665
Texas Instruments Inc Com 882508104 645 4,517 SH   SOLE 0 4,517 0 0
Texas Instruments Inc Com 882508104 42 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 574 1,300 SH   OTR 0 0 0 1,300
3m CO Com 88579Y101 1,669 10,421 SH   SOLE 0 9,461 340 620
3m CO Com 88579Y101 210 1,310 SH   OTR 0 1,275 35 0
Tompkins Financial Corporation Com 890110109 216 3,795 SH   SOLE 0 3,700 0 95
Tompkins Financial Corporation Com 890110109 34 600 SH   OTR 0 600 0 0
US Bancorp New Com 902973304 696 19,405 SH   SOLE 0 19,405 0 0
US Bancorp New Com 902973304 300 8,365 SH   OTR 0 5,179 470 2,716
Union Pac Corp Com 907818108 3,949 20,059 SH   SOLE 0 19,101 0 958
Union Pac Corp Com 907818108 3,448 17,515 SH   OTR 0 15,658 0 1,857
United Parcel Service Cl B Com 911312106 665 3,992 SH   SOLE 0 3,992 0 0
United Parcel Service Cl B Com 911312106 327 1,964 SH   OTR 0 1,964 0 0
Unitedhealth Group Inc Com 91324P102 2,696 8,646 SH   SOLE 0 8,446 0 200
Unitedhealth Group Inc Com 91324P102 1,605 5,149 SH   OTR 0 4,124 130 895
Univest Corp of Pennsylvania Com 915271100 170 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 831 12,317 SH   SOLE 0 11,517 50 750
Vaneck Vectors Agribusiness ET Com 92189F700 761 11,273 SH   OTR 0 11,048 125 100
Vanguard Intermediate-Term Bon Com 921937819 374 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 35 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 470 5,326 SH   SOLE 0 5,326 0 0
Vanguard FTSE Developed Market Com 921943858 112 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 145 3,555 SH   OTR 0 3,555 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,327 30,686 SH   SOLE 0 30,686 0 0
Vanguard Ftse Emerging Markets Com 922042858 428 9,908 SH   OTR 0 9,408 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,356 14,156 SH   SOLE 0 14,156 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,377 14,375 SH   OTR 0 14,375 0 0
Vanguard S&P 500 ETF Com 922908363 11,701 38,035 SH   SOLE 0 37,848 0 187
Vanguard Mid-Cap Value Index F Com 922908512 232 2,284 SH   SOLE 0 2,284 0 0
Vanguard Real Estate ETF Com 922908553 918 11,625 SH   SOLE 0 11,625 0 0
Vanguard Real Estate ETF Com 922908553 448 5,679 SH   OTR 0 5,340 239 100
Veoneer Incorporated Com Com 92336X109 157 10,712 SH   SOLE 0 9,521 0 1,191
Veoneer Incorporated Com Com 92336X109 182 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,859 64,866 SH   SOLE 0 60,601 860 3,405
Verizon Communications Com 92343V104 2,417 40,633 SH   OTR 0 35,207 225 5,201
Visa Inc Cl A Com 92826C839 1,502 7,511 SH   SOLE 0 7,511 0 0
Visa Inc Cl A Com 92826C839 1,302 6,510 SH   OTR 0 5,310 100 1,100
Wal Mart Inc Com 931142103 2,068 14,782 SH   SOLE 0 14,382 0 400
Wal Mart Inc Com 931142103 1,580 11,294 SH   OTR 0 9,878 350 1,066
Walgreens Boots Alliance Inc Com 931427108 194 5,394 SH   SOLE 0 5,394 0 0
Walgreens Boots Alliance Inc Com 931427108 48 1,345 SH   OTR 0 745 0 600
Waste Management Inc Com 94106L109 178 1,575 SH   SOLE 0 1,575 0 0
Waste Management Inc Com 94106L109 161 1,425 SH   OTR 0 1,200 0 225
Wells Fargo & CO Com 949746101 891 37,898 SH   SOLE 0 37,498 0 400
Wells Fargo & CO Com 949746101 422 17,963 SH   OTR 0 14,908 755 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 1,473 50,920 SH   SOLE 0 50,142 0 778
WisdomTree MidCap Dividend ETF Com 97717W505 226 7,808 SH   OTR 0 4,798 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 531 25,188 SH   SOLE 0 25,055 0 133
WisdomTree SmallCap Dividend E Com 97717W604 48 2,277 SH   OTR 0 2,277 0 0
Xcel Energy Inc Com 98389B100 213 3,084 SH   SOLE 0 0 0 3,084
Xcel Energy Inc Com 98389B100 173 2,500 SH   OTR 0 0 0 2,500
Xylem Inc Com 98419M100 320 3,809 SH   SOLE 0 3,809 0 0
Xylem Inc Com 98419M100 172 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 371 4,064 SH   SOLE 0 4,064 0 0
Yum! Brands Inc Com 988498101 74 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 442 3,250 SH   SOLE 0 2,920 60 270
Zimmer Biomet Holdings Inc Com 98956P102 303 2,222 SH   OTR 0 2,142 0 80
Deutsche Bank Ag Com D18190898 84 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 59 263 SH   SOLE 0 263 0 0
Accenture PLC Cl A Com G1151C101 294 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 435 4,261 SH   SOLE 0 4,261 0 0
Eaton Corp PLC Com G29183103 578 5,664 SH   OTR 0 4,589 0 1,075
Linde PLC Com G5494J103 1,548 6,499 SH   SOLE 0 6,499 0 0
Linde PLC Com G5494J103 875 3,674 SH   OTR 0 2,549 0 1,125
Medtronic PLC Com G5960L103 992 9,549 SH   SOLE 0 9,549 0 0
Medtronic PLC Com G5960L103 874 8,412 SH   OTR 0 8,341 71 0