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 2,732 69,907 SH   SOLE 0 68,507 0 1,400
AT&T Inc Com 00206R102 1,711 43,791 SH   OTR 0 38,128 400 5,263
Abbott Labs Com 002824100 5,676 65,342 SH   SOLE 0 64,842 0 500
Abbott Labs Com 002824100 2,009 23,125 SH   OTR 0 21,115 621 1,389
Abbvie Inc Com 00287Y109 2,478 27,982 SH   SOLE 0 27,782 0 200
Abbvie Inc Com 00287Y109 1,834 20,717 SH   OTR 0 17,152 295 3,270
Activision Blizzard, Inc Com 00507V109 584 9,834 SH   SOLE 0 9,834 0 0
Activision Blizzard, Inc Com 00507V109 385 6,475 SH   OTR 0 6,475 0 0
Air Products & Chemicals Inc Com 009158106 1,547 6,585 SH   SOLE 0 6,585 0 0
Air Products & Chemicals Inc Com 009158106 576 2,450 SH   OTR 0 2,450 0 0
Alphabet Inc Cl C Com 02079K107 3,273 2,448 SH   SOLE 0 2,393 0 55
Alphabet Inc Cl C Com 02079K107 2,995 2,240 SH   OTR 0 2,110 0 130
Alphabet Inc Cl A Com 02079K305 2,774 2,071 SH   SOLE 0 2,051 0 20
Alphabet Inc Cl A Com 02079K305 812 606 SH   OTR 0 491 0 115
Altria Group Inc Com 02209S103 620 12,423 SH   SOLE 0 11,648 0 775
Altria Group Inc Com 02209S103 1,850 37,057 SH   OTR 0 36,157 200 700
Amazon.Com Inc Com 023135106 1,160 628 SH   SOLE 0 628 0 0
Amazon.Com Inc Com 023135106 442 239 SH   OTR 0 239 0 0
American Express CO Com 025816109 730 5,862 SH   SOLE 0 5,862 0 0
American Express CO Com 025816109 417 3,351 SH   OTR 0 1,365 0 1,986
American Tower Corp REIT Com 03027X100 123 534 SH   SOLE 0 534 0 0
American Tower Corp REIT Com 03027X100 147 640 SH   OTR 0 640 0 0
American Water Works CO Inc Com 030420103 1,435 11,684 SH   SOLE 0 11,684 0 0
American Water Works CO Inc Com 030420103 1,058 8,615 SH   OTR 0 6,505 100 2,010
Amgen Inc Com 031162100 637 2,642 SH   SOLE 0 2,642 0 0
Amgen Inc Com 031162100 424 1,760 SH   OTR 0 1,760 0 0
Apache Corp Com 037411105 342 13,378 SH   SOLE 0 13,378 0 0
Apache Corp Com 037411105 277 10,830 SH   OTR 0 10,130 100 600
Apple Inc Com 037833100 14,558 49,577 SH   SOLE 0 46,332 105 3,140
Apple Inc Com 037833100 8,070 27,480 SH   OTR 0 23,495 790 3,195
Arrow Finl Corp Com 042744102 635 16,786 SH   SOLE 0 9,298 0 7,488
Arrow Finl Corp Com 042744102 135 3,581 SH   OTR 0 3,581 0 0
Autoliv Inc Com 052800109 898 10,642 SH   SOLE 0 9,892 0 750
Autoliv Inc Com 052800109 1,040 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 4,323 25,353 SH   SOLE 0 25,073 0 280
Automatic Data Processing Inc Com 053015103 1,342 7,871 SH   OTR 0 7,251 140 480
BP PLC Spons ADR Com 055622104 129 3,414 SH   SOLE 0 3,414 0 0
BP PLC Spons ADR Com 055622104 282 7,480 SH   OTR 0 7,280 0 200
Bank of America Corp Com 060505104 810 23,008 SH   SOLE 0 23,008 0 0
Bank of America Corp Com 060505104 422 11,975 SH   OTR 0 11,975 0 0
Bank of New York Mellon Corp Com 064058100 547 10,859 SH   SOLE 0 10,859 0 0
Bank of New York Mellon Corp Com 064058100 42 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 668 7,992 SH   SOLE 0 7,992 0 0
Baxter Intl Inc Com 071813109 350 4,185 SH   OTR 0 2,625 100 1,460
Becton Dickinson Com 075887109 459 1,686 SH   SOLE 0 1,686 0 0
Becton Dickinson Com 075887109 287 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,603 11,493 SH   SOLE 0 11,263 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,099 9,268 SH   OTR 0 9,248 20 0
Best Buy Company Inc Com 086516101 408 4,643 SH   SOLE 0 4,643 0 0
Best Buy Company Inc Com 086516101 35 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 175 3,204 SH   SOLE 0 3,004 0 200
BHP Group Ltd Spons ADR Com 088606108 97 1,775 SH   OTR 0 1,725 0 50
Biogen Inc Com 09062X103 86 289 SH   SOLE 0 289 0 0
Biogen Inc Com 09062X103 119 400 SH   OTR 0 400 0 0
Blackrock Inc Cl A Com 09247X101 30 59 SH   SOLE 0 59 0 0
Blackrock Inc Cl A Com 09247X101 297 590 SH   OTR 0 190 0 400
Boeing CO Com 097023105 1,591 4,885 SH   SOLE 0 4,650 0 235
Boeing CO Com 097023105 2,813 8,636 SH   OTR 0 7,986 100 550
Booking Hldgs Inc Com 09857L108 64 31 SH   SOLE 0 31 0 0
Booking Hldgs Inc Com 09857L108 146 71 SH   OTR 0 71 0 0
Bristol Myers Squibb CO Com 110122108 4,418 68,824 SH   SOLE 0 65,979 725 2,120
Bristol Myers Squibb CO Com 110122108 2,682 41,775 SH   OTR 0 34,995 480 6,300
Cigna Corp Com 125523100 212 1,038 SH   SOLE 0 1,001 0 37
Cigna Corp Com 125523100 63 306 SH   OTR 0 306 0 0
Csx Corp Com 126408103 227 3,137 SH   SOLE 0 3,137 0 0
Csx Corp Com 126408103 217 3,000 SH   OTR 0 3,000 0 0
CVS Health Corp Com 126650100 2,553 34,364 SH   SOLE 0 33,724 0 640
CVS Health Corp Com 126650100 1,142 15,368 SH   OTR 0 13,453 340 1,575
Capital One Financial Corp Com 14040H105 257 2,498 SH   SOLE 0 2,498 0 0
Caterpillar Inc Com 149123101 1,942 13,150 SH   SOLE 0 13,150 0 0
Caterpillar Inc Com 149123101 1,343 9,095 SH   OTR 0 8,750 45 300
Chevron Corporation Com 166764100 5,762 47,817 SH   SOLE 0 46,427 375 1,015
Chevron Corporation Com 166764100 4,138 34,338 SH   OTR 0 32,485 485 1,368
Cisco Systems Inc Com 17275R102 3,409 71,070 SH   SOLE 0 68,315 0 2,755
Cisco Systems Inc Com 17275R102 2,297 47,901 SH   OTR 0 46,701 595 605
Citigroup Inc Com 172967424 927 11,604 SH   SOLE 0 11,604 0 0
Citigroup Inc Com 172967424 555 6,945 SH   OTR 0 6,045 150 750
Clorox Company Com 189054109 868 5,652 SH   SOLE 0 5,652 0 0
Clorox Company Com 189054109 485 3,160 SH   OTR 0 2,675 0 485
Coca Cola CO Com 191216100 2,679 48,397 SH   SOLE 0 42,637 960 4,800
Coca Cola CO Com 191216100 1,628 29,405 SH   OTR 0 24,140 150 5,115
Cognizant Technology Solutions Com 192446102 230 3,706 SH   SOLE 0 3,706 0 0
Cognizant Technology Solutions Com 192446102 15 234 SH   OTR 0 234 0 0
Colgate Palmolive CO Com 194162103 1,122 16,295 SH   SOLE 0 14,465 430 1,400
Colgate Palmolive CO Com 194162103 947 13,760 SH   OTR 0 10,060 0 3,700
ComCast Corp-Cl A Com 20030N101 1,125 25,009 SH   SOLE 0 23,227 0 1,782
ComCast Corp-Cl A Com 20030N101 341 7,584 SH   OTR 0 5,461 650 1,473
Conocophillips Com 20825C104 636 9,774 SH   SOLE 0 9,674 100 0
Conocophillips Com 20825C104 315 4,837 SH   OTR 0 2,587 100 2,150
Corning Inc Com 219350105 403 13,851 SH   SOLE 0 13,851 0 0
Corning Inc Com 219350105 440 15,100 SH   OTR 0 12,350 900 1,850
Corteva Inc Com Com 22052L104 107 3,636 SH   SOLE 0 3,545 0 91
Corteva Inc Com Com 22052L104 299 10,121 SH   OTR 0 9,611 0 510
Costco Wholesale Corp Com 22160K105 553 1,882 SH   SOLE 0 1,882 0 0
Costco Wholesale Corp Com 22160K105 358 1,219 SH   OTR 0 579 0 640
Danaher Corp Com 235851102 3,697 24,091 SH   SOLE 0 22,261 0 1,830
Danaher Corp Com 235851102 2,262 14,738 SH   OTR 0 12,808 140 1,790
Deere & CO Com 244199105 1,681 9,705 SH   SOLE 0 9,515 25 165
Deere & CO Com 244199105 2,110 12,179 SH   OTR 0 12,109 70 0
Digital Realty Trust Inc REIT Com 253868103 110 917 SH   SOLE 0 917 0 0
Digital Realty Trust Inc REIT Com 253868103 143 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 5,366 37,102 SH   SOLE 0 36,317 0 785
Disney Walt CO New Com 254687106 3,245 22,439 SH   OTR 0 21,074 570 795
Dominion Resources Inc Com 25746U109 1,311 15,830 SH   SOLE 0 15,520 0 310
Dominion Resources Inc Com 25746U109 858 10,355 SH   OTR 0 7,825 80 2,450
Dow Inc Com Com 260557103 735 13,422 SH   SOLE 0 13,331 0 91
Dow Inc Com Com 260557103 862 15,759 SH   OTR 0 13,758 16 1,985
Duke Energy Corp Com 26441C204 273 2,995 SH   SOLE 0 2,695 300 0
Duke Energy Corp Com 26441C204 170 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 879 13,685 SH   SOLE 0 13,594 0 91
Dupont De Nemours Inc Com 26614N102 1,014 15,802 SH   OTR 0 13,914 16 1,872
Ecolab Inc Com 278865100 1,641 8,502 SH   SOLE 0 8,502 0 0
Ecolab Inc Com 278865100 585 3,030 SH   OTR 0 2,390 40 600
Emerson Elec CO Com 291011104 979 12,835 SH   SOLE 0 12,835 0 0
Emerson Elec CO Com 291011104 471 6,181 SH   OTR 0 6,081 100 0
Enterprise Prods Partners LP Com 293792107 7 250 SH   SOLE 0 250 0 0
Enterprise Prods Partners LP Com 293792107 250 8,880 SH   OTR 0 3,880 0 5,000
Exelon Corp Com 30161N101 194 4,248 SH   SOLE 0 4,248 0 0
Exelon Corp Com 30161N101 166 3,631 SH   OTR 0 3,281 0 350
Exxonmobil Corp Com 30231G102 6,680 95,726 SH   SOLE 0 91,486 820 3,420
Exxonmobil Corp Com 30231G102 5,158 73,917 SH   OTR 0 70,572 635 2,710
Facebook Inc-A Com 30303M102 1,117 5,441 SH   SOLE 0 5,441 0 0
Facebook Inc-A Com 30303M102 858 4,179 SH   OTR 0 4,179 0 0
Fiserv Inc Com 337738108 825 7,132 SH   SOLE 0 7,132 0 0
Fiserv Inc Com 337738108 147 1,274 SH   OTR 0 1,274 0 0
FlexShares Emerging Mkts Facto Com 33939L308 950 17,875 SH   SOLE 0 17,875 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 39,521 1,178,668 SH   SOLE 0 1,169,983 0 8,685
FlexShares Mstar Glbl Upstrm N Com 33939L407 4,532 135,156 SH   OTR 0 127,104 340 7,712
FlexShares Real Assets Allocat Com 33939L738 948 31,050 SH   SOLE 0 31,050 0 0
FlexShares Global Quality Real Com 33939L787 1,188 18,345 SH   SOLE 0 18,345 0 0
FlexShares Global Quality Real Com 33939L787 2 30 SH   OTR 0 30 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 4,319 80,167 SH   SOLE 0 80,167 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 278 5,165 SH   OTR 0 4,460 0 705
FlexShares Intl Quality Divide Com 33939L811 2,157 94,455 SH   SOLE 0 94,455 0 0
FlexShares International Quali Com 33939L837 670 27,595 SH   SOLE 0 27,595 0 0
FlexShares International Quali Com 33939L837 89 3,655 SH   OTR 0 3,655 0 0
FlexShares Quality Dividend De Com 33939L845 3,465 72,480 SH   SOLE 0 72,480 0 0
Fortive Corp Com 34959J108 448 5,861 SH   SOLE 0 5,251 0 610
Fortive Corp Com 34959J108 191 2,499 SH   OTR 0 1,655 50 794
General Dynamics Corp Com 369550108 960 5,441 SH   SOLE 0 5,291 0 150
General Dynamics Corp Com 369550108 208 1,180 SH   OTR 0 1,080 0 100
General Electric Corp Com 369604103 441 39,475 SH   SOLE 0 39,475 0 0
General Electric Corp Com 369604103 325 29,091 SH   OTR 0 28,066 0 1,025
General Mls Inc Com 370334104 592 11,055 SH   SOLE 0 11,055 0 0
General Mls Inc Com 370334104 456 8,520 SH   OTR 0 6,675 100 1,745
Genuine Parts CO Com 372460105 206 1,935 SH   SOLE 0 1,935 0 0
Gilead Sciences Inc Com 375558103 315 4,851 SH   SOLE 0 4,851 0 0
Gilead Sciences Inc Com 375558103 206 3,165 SH   OTR 0 665 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 349 7,426 SH   SOLE 0 7,426 0 0
Glaxo Smithkline Spons ADR Com 37733W105 292 6,212 SH   OTR 0 5,207 255 750
Goldman Sachs Group Inc Com 38141G104 917 3,988 SH   SOLE 0 3,968 20 0
Goldman Sachs Group Inc Com 38141G104 876 3,810 SH   OTR 0 3,810 0 0
Grainger W W Inc Com 384802104 1,312 3,875 SH   SOLE 0 3,875 0 0
Grainger W W Inc Com 384802104 851 2,515 SH   OTR 0 1,545 100 870
Home Depot Inc Com 437076102 746 3,418 SH   SOLE 0 3,418 0 0
Home Depot Inc Com 437076102 1,386 6,345 SH   OTR 0 4,995 100 1,250
Honeywell International Inc Com 438516106 3,238 18,296 SH   SOLE 0 17,431 0 865
Honeywell International Inc Com 438516106 1,465 8,279 SH   OTR 0 5,705 300 2,274
Illinois Tool Wks Inc Com 452308109 358 1,991 SH   SOLE 0 1,991 0 0
Illinois Tool Wks Inc Com 452308109 81 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 6,872 114,822 SH   SOLE 0 112,122 1,200 1,500
Intel Corp Com 458140100 2,716 45,374 SH   OTR 0 42,224 1,250 1,900
Intercontinental Exchange Inc Com 45866F104 657 7,095 SH   SOLE 0 7,095 0 0
Intercontinental Exchange Inc Com 45866F104 30 325 SH   OTR 0 125 0 200
Intl. Business Machines Corp Com 459200101 1,724 12,861 SH   SOLE 0 11,471 435 955
Intl. Business Machines Corp Com 459200101 1,913 14,271 SH   OTR 0 11,888 0 2,383
Invesco SP 500 Low Volatility Com 46138E354 204 3,493 SH   SOLE 0 3,493 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 99 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 180 7,875 SH   OTR 0 7,875 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 342 2,937 SH   SOLE 0 2,937 0 0
Ishares Core Total U.S. Aggreg Com 464287226 243 2,166 SH   SOLE 0 2,166 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,190 71,087 SH   SOLE 0 70,261 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 769 17,144 SH   OTR 0 16,064 355 725
Ishares Msci Eafe ETF Com 464287465 3,207 46,179 SH   SOLE 0 46,179 0 0
Ishares Msci Eafe ETF Com 464287465 844 12,159 SH   OTR 0 11,549 285 325
Ishares Russell Mid Cap ETF Com 464287499 280 4,695 SH   SOLE 0 4,695 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,641 7,972 SH   SOLE 0 7,972 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 533 2,591 SH   OTR 0 2,391 0 200
Ishares Nasdaq Biotech ETF Com 464287556 2,741 22,741 SH   SOLE 0 22,153 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,754 14,557 SH   OTR 0 12,367 615 1,575
Ishares S&P Midcap 400/Grwth E Com 464287606 212 890 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 273 1,552 SH   SOLE 0 1,552 0 0
Ishares Russell 2000 ETF Com 464287655 5,163 31,165 SH   SOLE 0 30,463 0 702
Ishares Russell 2000 ETF Com 464287655 620 3,743 SH   OTR 0 3,473 235 35
Ishares DJ US Telcom Sector ET Com 464287713 781 26,146 SH   SOLE 0 26,146 0 0
Ishares DJ US Telcom Sector ET Com 464287713 586 19,615 SH   OTR 0 19,415 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 241 2,879 SH   SOLE 0 2,879 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 3,457 55,515 SH   SOLE 0 55,515 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 479 7,685 SH   OTR 0 7,685 0 0
Ishares New York Muni Bond ETF Com 464288323 892 15,642 SH   SOLE 0 15,642 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,525 17,345 SH   SOLE 0 17,345 0 0
Ishares IBoxx High Yield Corpo Com 464288513 7 80 SH   OTR 0 80 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 240 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,402 63,897 SH   SOLE 0 63,897 0 0
Ishares S&P Pref Stk ETF Com 464288687 592 15,743 SH   OTR 0 11,763 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 16,801 194,295 SH   SOLE 0 192,332 0 1,963
Ishares MSCI EAFE Growth ETF Com 464288885 881 10,191 SH   OTR 0 10,180 11 0
IShares Russell Top 200 Growth Com 464289438 247 2,560 SH   SOLE 0 2,560 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 211 3,855 SH   SOLE 0 3,855 0 0
iShares Core High Dividend ETF Com 46429B663 291 2,966 SH   SOLE 0 2,966 0 0
Ishares Core Emerging Markets Com 46434G103 3,074 57,178 SH   SOLE 0 57,178 0 0
Ishares Core Emerging Markets Com 46434G103 737 13,700 SH   OTR 0 12,100 0 1,600
JP Morgan Chase & CO Com 46625H100 9,887 70,926 SH   SOLE 0 69,839 112 975
JP Morgan Chase & CO Com 46625H100 7,136 51,194 SH   OTR 0 43,994 640 6,560
Jacobs Engineering Group Inc Com 469814107 81 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 267 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 9,380 64,306 SH   SOLE 0 60,413 150 3,743
Johnson & Johnson Com 478160104 4,519 30,981 SH   OTR 0 26,966 310 3,705
Keycorp Com 493267108 56 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 289 14,300 SH   OTR 0 14,300 0 0
Kimberly Clark Corp Com 494368103 542 3,938 SH   SOLE 0 3,938 0 0
Kimberly Clark Corp Com 494368103 134 975 SH   OTR 0 975 0 0
Kraft Heinz CO Com 500754106 69 2,144 SH   SOLE 0 2,144 0 0
Kraft Heinz CO Com 500754106 229 7,127 SH   OTR 0 7,081 46 0
Lilly Eli & CO Com 532457108 293 2,227 SH   SOLE 0 1,699 0 528
Lilly Eli & CO Com 532457108 826 6,285 SH   OTR 0 5,260 0 1,025
Lockheed Martin Corp Com 539830109 3,261 8,374 SH   SOLE 0 7,859 0 515
Lockheed Martin Corp Com 539830109 987 2,534 SH   OTR 0 2,534 0 0
Lowes Cos Inc Com 548661107 5,981 49,940 SH   SOLE 0 49,540 25 375
Lowes Cos Inc Com 548661107 3,355 28,012 SH   OTR 0 26,677 335 1,000
Magellan Midstream Partners LP Com 559080106 226 3,600 SH   OTR 0 0 0 3,600
Marriott International Inc Com 571903202 397 2,622 SH   SOLE 0 2,622 0 0
Mastercard Inc Cl A Com 57636Q104 153 511 SH   SOLE 0 511 0 0
Mastercard Inc Cl A Com 57636Q104 209 700 SH   OTR 0 700 0 0
McDonalds Corp Com 580135101 6,725 34,031 SH   SOLE 0 33,926 75 30
McDonalds Corp Com 580135101 3,987 20,176 SH   OTR 0 19,161 265 750
Merck & CO Inc Com 58933Y105 3,831 42,123 SH   SOLE 0 40,648 675 800
Merck & CO Inc Com 58933Y105 2,123 23,337 SH   OTR 0 22,347 165 825
Metlife Inc Com 59156R108 436 8,562 SH   SOLE 0 8,562 0 0
Metlife Inc Com 59156R108 129 2,525 SH   OTR 0 2,114 111 300
Microsoft Corp Com 594918104 13,300 84,338 SH   SOLE 0 81,923 225 2,190
Microsoft Corp Com 594918104 7,604 48,217 SH   OTR 0 45,127 770 2,320
Microchip Technology Inc Com 595017104 1,911 18,248 SH   SOLE 0 18,248 0 0
Microchip Technology Inc Com 595017104 590 5,633 SH   OTR 0 4,708 150 775
Mondelez International Inc Com 609207105 503 9,140 SH   SOLE 0 8,726 0 414
Mondelez International Inc Com 609207105 1,023 18,567 SH   OTR 0 18,429 138 0
NBT Bancorp Inc Com 628778102 5,539 136,569 SH   SOLE 0 60,228 0 76,341
NBT Bancorp Inc Com 628778102 983 24,226 SH   OTR 0 20,960 0 3,266
Netflix Inc Com 64110L106 243 752 SH   SOLE 0 752 0 0
Nextera Energy Inc Com 65339F101 2,062 8,513 SH   SOLE 0 8,063 0 450
Nextera Energy Inc Com 65339F101 1,966 8,117 SH   OTR 0 4,787 30 3,300
Nike Inc-Class B Com 654106103 2,466 24,345 SH   SOLE 0 24,345 0 0
Nike Inc-Class B Com 654106103 1,307 12,904 SH   OTR 0 8,904 0 4,000
Nokia Corp Sponsored ADR Com 654902204 63 17,000 SH   OTR 0 0 0 17,000
Norfolk Southern Corp Com 655844108 1,045 5,382 SH   SOLE 0 5,382 0 0
Norfolk Southern Corp Com 655844108 1,417 7,300 SH   OTR 0 4,805 70 2,425
Novartis Ag Spons ADR Com 66987V109 1,604 16,942 SH   SOLE 0 16,942 0 0
Novartis Ag Spons ADR Com 66987V109 1,024 10,812 SH   OTR 0 10,412 150 250
Nucor Corp Com 670346105 437 7,762 SH   SOLE 0 7,762 0 0
Nucor Corp Com 670346105 371 6,600 SH   OTR 0 4,150 0 2,450
Nvidia Corp Com 67066G104 145 615 SH   SOLE 0 615 0 0
Nvidia Corp Com 67066G104 96 410 SH   OTR 0 410 0 0
O'Reilly Automotive Inc Com 67103H107 263 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 2,022 38,158 SH   SOLE 0 36,658 0 1,500
Oracle Corporation Com 68389X105 594 11,215 SH   OTR 0 8,715 0 2,500
Paypal Holdings Inc Com 70450Y103 154 1,422 SH   SOLE 0 1,422 0 0
Paypal Holdings Inc Com 70450Y103 398 3,680 SH   OTR 0 1,430 0 2,250
Pepsico Inc Com 713448108 6,536 47,821 SH   SOLE 0 47,421 100 300
Pepsico Inc Com 713448108 3,213 23,507 SH   OTR 0 22,352 345 810
Pfizer Inc Com 717081103 4,171 106,458 SH   SOLE 0 103,358 0 3,100
Pfizer Inc Com 717081103 2,886 73,657 SH   OTR 0 69,328 1,740 2,589
Philip Morris International Com 718172109 722 8,482 SH   SOLE 0 7,807 0 675
Philip Morris International Com 718172109 2,510 29,502 SH   OTR 0 29,352 150 0
T Rowe Price Group Inc Com 74144T108 3,375 27,702 SH   SOLE 0 27,652 50 0
T Rowe Price Group Inc Com 74144T108 1,919 15,752 SH   OTR 0 15,157 295 300
Procter & Gamble CO Com 742718109 9,049 72,446 SH   SOLE 0 68,281 450 3,715
Procter & Gamble CO Com 742718109 4,912 39,329 SH   OTR 0 34,314 405 4,610
Prudential Finl Inc Com 744320102 1,455 15,524 SH   SOLE 0 15,474 50 0
Prudential Finl Inc Com 744320102 1,168 12,457 SH   OTR 0 12,107 150 200
Public Service Enterprise Grou Com 744573106 126 2,141 SH   SOLE 0 2,141 0 0
Public Service Enterprise Grou Com 744573106 151 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 2,251 25,513 SH   SOLE 0 25,088 0 425
Qualcomm Inc Com 747525103 1,199 13,594 SH   OTR 0 12,969 125 500
Quanta Services Incorporated Com 74762E102 246 6,050 SH   OTR 0 2,100 0 3,950
Royal Dutch Shell Spons ADR Com 780259206 32 545 SH   SOLE 0 545 0 0
Royal Dutch Shell Spons ADR Com 780259206 212 3,601 SH   OTR 0 3,351 0 250
S&P Global Inc Com 78409V104 4 14 SH   SOLE 0 14 0 0
S&P Global Inc Com 78409V104 546 2,000 SH   OTR 0 0 0 2,000
SPDR S&P 500 ETF Trust Com 78462F103 3,565 11,076 SH   SOLE 0 10,767 0 309
SPDR S&P 500 ETF Trust Com 78462F103 1,041 3,233 SH   OTR 0 2,873 160 200
SPDR Gold Trust Com 78463V107 246 1,724 SH   SOLE 0 1,724 0 0
SPDR Gold Trust Com 78463V107 7 50 SH   OTR 0 50 0 0
SPDR Portfolio Developed Wld e Com 78463X889 6,999 223,249 SH   SOLE 0 223,249 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,208 38,525 SH   OTR 0 38,525 0 0
SPDR S&P Sm Cap Value ETF Com 78464A300 439 6,680 SH   SOLE 0 6,680 0 0
SPDR Portfolio Intermediate Te Com 78464A375 700 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,194 37,657 SH   SOLE 0 37,657 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,268 21,762 SH   OTR 0 21,562 100 100
SPDR S&P Dividend ETF Com 78464A763 10,056 93,483 SH   SOLE 0 93,483 0 0
SPDR S&P Dividend ETF Com 78464A763 844 7,850 SH   OTR 0 7,450 0 400
SPDR Dow Jones Industrial Aver Com 78467X109 1,050 3,682 SH   SOLE 0 3,682 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 351 1,230 SH   OTR 0 1,130 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 7,219 19,232 SH   SOLE 0 18,856 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 920 2,451 SH   OTR 0 2,271 125 55
Salesforce.Com Com 79466L302 1,179 7,247 SH   SOLE 0 7,227 20 0
Salesforce.Com Com 79466L302 768 4,720 SH   OTR 0 4,720 0 0
Schlumberger Ltd Com 806857108 1,218 30,306 SH   SOLE 0 29,616 0 690
Schlumberger Ltd Com 806857108 521 12,963 SH   OTR 0 11,103 160 1,700
Charles Schwab Corp Com 808513105 216 4,537 SH   SOLE 0 4,537 0 0
Charles Schwab Corp Com 808513105 184 3,875 SH   OTR 0 3,875 0 0
Schwab US Small Cap ETF Com 808524607 442 5,850 SH   SOLE 0 5,850 0 0
Schwab Fundamental Intl Lg Co Com 808524755 232 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 4,710 81,318 SH   SOLE 0 79,972 0 1,346
Schwab US Dividend Equity ETF Com 808524797 745 12,860 SH   OTR 0 12,860 0 0
Schwab International Equity ET Com 808524805 258 7,675 SH   SOLE 0 7,675 0 0
Schwab International Equity ET Com 808524805 99 2,937 SH   OTR 0 2,937 0 0
Materials Select SPDR Fund Com 81369Y100 1,238 20,164 SH   SOLE 0 18,284 0 1,880
Materials Select SPDR Fund Com 81369Y100 561 9,131 SH   OTR 0 8,301 375 455
Health Care Select Sector SPDR Com 81369Y209 1,039 10,205 SH   SOLE 0 10,205 0 0
Health Care Select Sector SPDR Com 81369Y209 217 2,130 SH   OTR 0 2,130 0 0
Consumer Staples Select Sector Com 81369Y308 602 9,551 SH   SOLE 0 9,166 0 385
Consumer Staples Select Sector Com 81369Y308 80 1,277 SH   OTR 0 987 100 190
Consumer Discretionary Selt Com 81369Y407 1,453 11,586 SH   SOLE 0 10,386 0 1,200
Consumer Discretionary Selt Com 81369Y407 162 1,295 SH   OTR 0 770 390 135
Energy Select Sector SPDR Com 81369Y506 595 9,916 SH   SOLE 0 9,541 0 375
Energy Select Sector SPDR Com 81369Y506 60 993 SH   OTR 0 760 80 153
Financial Select Sector SPDR Com 81369Y605 997 32,393 SH   SOLE 0 30,893 0 1,500
Financial Select Sector SPDR Com 81369Y605 26 860 SH   OTR 0 660 200 0
Industrial Select Sector SPDR Com 81369Y704 1,097 13,460 SH   SOLE 0 13,460 0 0
Industrial Select Sector SPDR Com 81369Y704 114 1,400 SH   OTR 0 1,300 0 100
Technology Select Sect SPDR Com 81369Y803 2,248 24,525 SH   SOLE 0 24,288 162 75
Technology Select Sect SPDR Com 81369Y803 233 2,537 SH   OTR 0 2,387 150 0
Real Estate Select Sect SPDR Com 81369Y860 993 25,666 SH   SOLE 0 24,144 105 1,417
Real Estate Select Sect SPDR Com 81369Y860 1,079 27,908 SH   OTR 0 27,737 46 125
Utilities Select Sector SPDR Com 81369Y886 1,854 28,686 SH   SOLE 0 27,636 0 1,050
Utilities Select Sector SPDR Com 81369Y886 1,224 18,943 SH   OTR 0 17,956 475 512
Skyworks Solutions Inc Com 83088M102 2 18 SH   SOLE 0 18 0 0
Skyworks Solutions Inc Com 83088M102 218 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,203 18,880 SH   SOLE 0 18,880 0 0
Southern Company Com 842587107 915 14,360 SH   OTR 0 14,235 0 125
Starbucks Corp Com 855244109 128 1,461 SH   SOLE 0 1,461 0 0
Starbucks Corp Com 855244109 436 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 243 3,070 SH   SOLE 0 3,070 0 0
State Street Corp Com 857477103 51 650 SH   OTR 0 575 0 75
Stericycle Inc Com 858912108 150 2,355 SH   SOLE 0 2,355 0 0
Stericycle Inc Com 858912108 101 1,575 SH   OTR 0 725 0 850
Stryker Corporation Com 863667101 382 1,819 SH   SOLE 0 1,819 0 0
Sysco Corp Com 871829107 644 7,530 SH   SOLE 0 7,530 0 0
Sysco Corp Com 871829107 609 7,124 SH   OTR 0 6,699 0 425
TJX Cos Inc Com 872540109 2,126 34,820 SH   SOLE 0 33,520 300 1,000
TJX Cos Inc Com 872540109 2,283 37,382 SH   OTR 0 32,756 340 4,286
Target Corp Com 87612E106 2,956 23,058 SH   SOLE 0 22,783 0 275
Target Corp Com 87612E106 1,873 14,612 SH   OTR 0 11,772 175 2,665
Thermo Fisher Scientific Inc Com 883556102 6 18 SH   SOLE 0 18 0 0
Thermo Fisher Scientific Inc Com 883556102 422 1,300 SH   OTR 0 0 0 1,300
3m CO Com 88579Y101 1,823 10,333 SH   SOLE 0 9,373 340 620
3m CO Com 88579Y101 297 1,685 SH   OTR 0 1,350 35 300
US Bancorp New Com 902973304 1,201 20,252 SH   SOLE 0 20,252 0 0
US Bancorp New Com 902973304 496 8,365 SH   OTR 0 5,179 470 2,716
Union Pac Corp Com 907818108 3,867 21,387 SH   SOLE 0 20,687 0 700
Union Pac Corp Com 907818108 3,400 18,805 SH   OTR 0 16,398 0 2,407
United Parcel Service Cl B Com 911312106 539 4,605 SH   SOLE 0 4,605 0 0
United Parcel Service Cl B Com 911312106 324 2,764 SH   OTR 0 2,764 0 0
United Technologies Corp Com 913017109 5,697 38,041 SH   SOLE 0 37,361 100 580
United Technologies Corp Com 913017109 4,066 27,152 SH   OTR 0 23,511 1,186 2,455
Unitedhealth Group Inc Com 91324P102 2,835 9,642 SH   SOLE 0 9,442 0 200
Unitedhealth Group Inc Com 91324P102 1,513 5,147 SH   OTR 0 4,192 130 825
Univest Corp of Pennsylvania Com 915271100 316 11,812 SH   OTR 0 11,812 0 0
V.F. Corp Com 918204108 164 1,644 SH   SOLE 0 1,644 0 0
V.F. Corp Com 918204108 51 513 SH   OTR 0 513 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 951 13,841 SH   SOLE 0 13,191 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 788 11,468 SH   OTR 0 11,243 125 100
Vanguard Intermediate-Term Bon Com 921937819 349 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 33 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 447 5,326 SH   SOLE 0 5,326 0 0
Vanguard FTSE Developed Market Com 921943858 227 5,158 SH   SOLE 0 5,158 0 0
Vanguard FTSE Developed Market Com 921943858 162 3,680 SH   OTR 0 3,680 0 0
Vanguard High Dividend Yield E Com 921946406 115 1,225 SH   SOLE 0 1,225 0 0
Vanguard High Dividend Yield E Com 921946406 102 1,092 SH   OTR 0 1,092 0 0
Vanguard Ftse Emerging Markets Com 922042858 977 21,973 SH   SOLE 0 21,973 0 0
Vanguard Ftse Emerging Markets Com 922042858 450 10,118 SH   OTR 0 9,618 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,293 14,156 SH   SOLE 0 14,156 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,019 11,155 SH   OTR 0 11,155 0 0
Vanguard S&P 500 ETF Com 922908363 11,184 37,810 SH   SOLE 0 37,623 0 187
Vanguard Real Estate ETF Com 922908553 1,694 18,252 SH   SOLE 0 18,252 0 0
Vanguard Real Estate ETF Com 922908553 557 6,004 SH   OTR 0 5,590 239 175
Veoneer Incorporated Com Com 92336X109 167 10,712 SH   SOLE 0 9,962 0 750
Veoneer Incorporated Com Com 92336X109 194 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,782 61,591 SH   SOLE 0 59,804 860 927
Verizon Communications Com 92343V104 3,042 49,549 SH   OTR 0 44,663 460 4,426
Visa Inc Cl A Com 92826C839 1,424 7,579 SH   SOLE 0 7,579 0 0
Visa Inc Cl A Com 92826C839 1,229 6,540 SH   OTR 0 5,340 100 1,100
Wal Mart Inc Com 931142103 1,735 14,599 SH   SOLE 0 14,199 0 400
Wal Mart Inc Com 931142103 1,371 11,539 SH   OTR 0 10,123 350 1,066
Walgreens Boots Alliance Inc Com 931427108 292 4,954 SH   SOLE 0 4,954 0 0
Walgreens Boots Alliance Inc Com 931427108 79 1,347 SH   OTR 0 745 0 602
Waste Management Inc Com 94106L109 61 535 SH   SOLE 0 535 0 0
Waste Management Inc Com 94106L109 162 1,425 SH   OTR 0 1,200 0 225
Wells Fargo & CO Com 949746101 2,381 44,251 SH   SOLE 0 43,851 0 400
Wells Fargo & CO Com 949746101 1,110 20,623 SH   OTR 0 17,393 930 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 2,858 75,136 SH   SOLE 0 74,218 0 918
WisdomTree MidCap Dividend ETF Com 97717W505 795 20,901 SH   OTR 0 16,001 0 4,900
WisdomTree SmallCap Dividend E Com 97717W604 1,313 45,781 SH   SOLE 0 45,594 0 187
WisdomTree SmallCap Dividend E Com 97717W604 370 12,906 SH   OTR 0 12,071 0 835
Xcel Energy Inc Com 98389B100 196 3,086 SH   SOLE 0 3,086 0 0
Xcel Energy Inc Com 98389B100 208 3,275 SH   OTR 0 775 0 2,500
Xylem Inc Com 98419M100 349 4,435 SH   SOLE 0 4,435 0 0
Xylem Inc Com 98419M100 248 3,150 SH   OTR 0 3,150 0 0
Yum! Brands Inc Com 988498101 453 4,493 SH   SOLE 0 4,493 0 0
Yum! Brands Inc Com 988498101 82 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 471 3,144 SH   SOLE 0 2,814 60 270
Zimmer Biomet Holdings Inc Com 98956P102 234 1,565 SH   OTR 0 1,462 23 80
Accenture PLC Cl A Com G1151C101 61 290 SH   SOLE 0 290 0 0
Accenture PLC Cl A Com G1151C101 274 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 425 4,486 SH   SOLE 0 4,486 0 0
Eaton Corp PLC Com G29183103 564 5,959 SH   OTR 0 4,884 0 1,075
Linde PLC Com G5494J103 1,631 7,660 SH   SOLE 0 7,660 0 0
Linde PLC Com G5494J103 894 4,199 SH   OTR 0 3,074 0 1,125
Medtronic PLC Com G5960L103 1,181 10,406 SH   SOLE 0 10,406 0 0
Medtronic PLC Com G5960L103 1,009 8,893 SH   OTR 0 8,822 71 0