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
ABBOTT LABS COMMON STOCK 002824100 99 1,175 SH   OTR 2 0 1,175 0
ABBVIE INC COMMON STOCK 00287Y109 149 2,050 SH   OTR 2 0 2,050 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 31 135 SH   OTR 2 0 135 0
ALLSTATE CORP COMMON STOCK 020002101 112 1,106 SH   OTR 2 0 1,106 0
ALPHABET INC CL A COMMON STOCK 02079K305 370 342 SH   OTR 2 0 342 0
ALPHABET INC CL C COMMON STOCK 02079K107 173 160 SH   OTR 2 0 160 0
ALTRIA GROUP INC COMMON STOCK 02209S103 9 200 SH   OTR 2 0 200 0
AMAZON.COM INC COMMON STOCK 023135106 400 211 SH   OTR 2 0 211 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 170 1,380 SH   OTR 2 0 1,380 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 6 50 SH   OTR 2 0 50 0
AMGEN INC COMMON STOCK 031162100 55 300 SH   OTR 2 0 300 0
APPLE INC COMMON STOCK 037833100 817 4,128 SH   OTR 2 0 4,128 0
AT&T INC COMMON STOCK 00206R102 141 4,206 SH   OTR 2 0 4,206 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 686 4,150 SH   OTR 2 0 4,150 0
BANK OF AMERICA CORP COMMON STOCK 060505104 19 650 SH   OTR 2 0 650 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 65 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 168 2,050 SH   OTR 2 0 2,050 0
BB&T CORPORATION COMMON STOCK 054937107 5 100 SH   OTR 2 0 100 0
BECTON DICKINSON COMMON STOCK 075887109 72 285 SH   OTR 2 0 285 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 352 1,650 SH   OTR 2 0 1,650 0
BLACKROCK INC CL A COMMON STOCK 09247X101 94 200 SH   OTR 2 0 200 0
BOEING CO COMMON STOCK 097023105 73 200 SH   OTR 2 0 200 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 51 27 SH   OTR 2 0 27 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 78 1,725 SH   OTR 2 0 1,725 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 19 400 SH   OTR 2 0 400 0
CATERPILLAR INC COMMON STOCK 149123101 140 1,025 SH   OTR 2 0 1,025 0
CELGENE CORP COMMON STOCK 151020104 46 500 SH   OTR 2 0 500 0
CHEVRON CORPORATION COMMON STOCK 166764100 498 3,999 SH   OTR 2 0 3,999 0
CIGNA CORP COMMON STOCK 125523100 12 78 SH   OTR 2 0 78 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 62 1,135 SH   OTR 2 0 1,135 0
CLOROX COMPANY COMMON STOCK 189054109 31 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 92 1,805 SH   OTR 2 0 1,805 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 490 6,830 SH   OTR 2 0 6,830 0
COMCAST CORP-CL A COMMON STOCK 20030N101 17 400 SH   OTR 2 0 400 0
CONOCOPHILLIPS COMMON STOCK 20825C104 53 871 SH   OTR 2 0 871 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 57 287 SH   OTR 2 0 287 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 17 65 SH   OTR 2 0 65 0
CUMMINS INC COMMON STOCK 231021106 6 35 SH   OTR 2 0 35 0
CVS HEALTH CORP COMMON STOCK 126650100 21 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 22 151 SH   OTR 2 0 151 0
DISCOVER FINL SVCS COMMON STOCK 254709108 36 466 SH   OTR 2 0 466 0
DISNEY WALT CO NEW COMMON STOCK 254687106 236 1,687 SH   OTR 2 0 1,687 0
DOMINION ENERGY INC COMMON STOCK 25746U109 44 575 SH   OTR 2 0 575 0
DOW INC COMMON STOCK 260557103 24 487 SH   OTR 2 0 487 0
DTE ENERGY CO COMMON STOCK 233331107 53 415 SH   OTR 2 0 415 0
DUKE ENERGY CORP COMMON STOCK 26441C204 56 634 SH   OTR 2 0 634 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 34 454 SH   OTR 2 0 454 0
ECOLAB INC COMMON STOCK 278865100 281 1,425 SH   OTR 2 0 1,425 0
EMERSON ELEC CO COMMON STOCK 291011104 218 3,270 SH   OTR 2 0 3,270 0
EOG RES INC COMMON STOCK 26875P101 3 35 SH   OTR 2 0 35 0
EXXONMOBIL CORP COMMON STOCK 30231G102 743 9,695 SH   OTR 2 0 9,695 0
FACEBOOK INC-A COMMON STOCK 30303M102 95 490 SH   OTR 2 0 490 0
GARRETT MOTION INC COMMON STOCK 366505105 0 3 SH   OTR 2 0 3 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 19 105 SH   OTR 2 0 105 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 35 3,350 SH   OTR 2 0 3,350 0
GILEAD SCIENCES INC COMMON STOCK 375558103 48 710 SH   OTR 2 0 710 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 68 330 SH   OTR 2 0 330 0
HOME DEPOT INC COMMON STOCK 437076102 454 2,185 SH   OTR 2 0 2,185 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 132 755 SH   OTR 2 0 755 0
INTEL CORP COMMON STOCK 458140100 392 8,190 SH   OTR 2 0 8,190 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 26 300 SH   OTR 2 0 300 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 22 500 SH   OTR 2 0 500 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 813 5,898 SH   OTR 2 0 5,898 0
INTUIT INC COMMON STOCK 461202103 212 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 57 675 SH   OTR 2 0 675 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,242 8,917 SH   OTR 2 0 8,917 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 848 7,585 SH   OTR 2 0 7,585 0
KELLOGG CO COMMON STOCK 487836108 73 1,355 SH   OTR 2 0 1,355 0
KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108 260 2,350 SH   OTR 2 0 2,350 0
LOWES COS INC COMMON STOCK 548661107 124 1,225 SH   OTR 2 0 1,225 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 145 1,035 SH   OTR 2 0 1,035 0
MASCO CORP COMMON STOCK 574599106 10 250 SH   OTR 2 0 250 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 41 155 SH   OTR 2 0 155 0
MCDONALDS CORP COMMON STOCK 580135101 187 900 SH   OTR 2 0 900 0
MERCK & CO INC COMMON STOCK 58933Y105 314 3,750 SH   OTR 2 0 3,750 0
METLIFE INC COMMON STOCK 59156R108 76 1,535 SH   OTR 2 0 1,535 0
MICROSOFT CORP COMMON STOCK 594918104 1,783 13,310 SH   OTR 2 0 13,310 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 139 3,182 SH   OTR 2 0 3,182 0
NETFLIX INC COMMON STOCK 64110L106 97 265 SH   OTR 2 0 265 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 169 825 SH   OTR 2 0 825 0
NIKE INC-CLASS B COMMON STOCK 654106103 345 4,110 SH   OTR 2 0 4,110 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 149 750 SH   OTR 2 0 750 0
NVIDIA CORP COMMON STOCK 67066G104 58 353 SH   OTR 2 0 353 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 5 100 SH   OTR 2 0 100 0
ORACLE CORPORATION COMMON STOCK 68389X105 386 6,775 SH   OTR 2 0 6,775 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 60 625 SH   OTR 2 0 625 0
PAYCHEX INC COMMON STOCK 704326107 91 1,100 SH   OTR 2 0 1,100 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 52 450 SH   OTR 2 0 450 0
PEPSICO INC COMMON STOCK 713448108 793 6,044 SH   OTR 2 0 6,044 0
PFIZER INC COMMON STOCK 717081103 487 11,235 SH   OTR 2 0 11,235 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 8 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 3 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 631 5,754 SH   OTR 2 0 5,754 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 86 850 SH   OTR 2 0 850 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 66 650 SH   OTR 2 0 650 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 5 SH   OTR 2 0 5 0
SEMPRA ENERGY COMMON STOCK 816851109 34 245 SH   OTR 2 0 245 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 48 300 SH   OTR 2 0 300 0
SOUTHERN COMPANY COMMON STOCK 842587107 33 600 SH   OTR 2 0 600 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 15 295 SH   OTR 2 0 295 0
STARBUCKS CORP COMMON STOCK 855244109 166 1,985 SH   OTR 2 0 1,985 0
STATE STREET CORP COMMON STOCK 857477103 40 705 SH   OTR 2 0 705 0
STRYKER CORPORATION COMMON STOCK 863667101 280 1,360 SH   OTR 2 0 1,360 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 309 2,819 SH   OTR 2 0 2,819 0
TESLA INC COMMON STOCK 88160R101 3 15 SH   OTR 2 0 15 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 105 359 SH   OTR 2 0 359 0
TJX COS INC COMMON STOCK 872540109 90 1,700 SH   OTR 2 0 1,700 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 2 82 SH   OTR 2 0 82 0
UNION PAC CORP COMMON STOCK 907818108 64 380 SH   OTR 2 0 380 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 88 850 SH   OTR 2 0 850 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 960 7,375 SH   OTR 2 0 7,375 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 62 255 SH   OTR 2 0 255 0
US BANCORP NEW COMMON STOCK 902973304 269 5,125 SH   OTR 2 0 5,125 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 4 50 SH   OTR 2 0 50 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 320 5,604 SH   OTR 2 0 5,604 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 55 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 39 1,302 SH   OTR 2 0 1,302 0
VISA INC CL A COMMON STOCK 92826C839 250 1,440 SH   OTR 2 0 1,440 0
WALMART INC COMMON STOCK 931142103 55 500 SH   OTR 2 0 500 0
WELLS FARGO & CO COMMON STOCK 949746101 72 1,525 SH   OTR 2 0 1,525 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 44 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 390 2,250 SH   OTR 2 0 2,250 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 670 19,290 SH   OTR 2 0 19,290 0
EATON CORP PLC COMMON STOCK G29183103 104 1,250 SH   OTR 2 0 1,250 0
LINDE PLC COMMON STOCK G5494J103 55 275 SH   OTR 2 0 275 0
MEDTRONIC PLC COMMON STOCK G5960L103 96 982 SH   OTR 2 0 982 0
SCHLUMBERGER LTD COMMON STOCK 806857108 9 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 122 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 576 11,708 SH   OTR 2 0 11,708 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 712 5,970 SH   OTR 2 0 5,970 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 431 7,418 SH   OTR 2 0 7,418 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 290 4,555 SH   OTR 2 0 4,555 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 766 27,745 SH   OTR 2 0 27,745 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 941 10,153 SH   OTR 2 0 10,153 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 557 7,190 SH   OTR 2 0 7,190 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 54 278 SH   OTR 2 0 278 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 218 2,784 SH   OTR 2 0 2,784 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 253 3,630 SH   OTR 2 0 3,630 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 100 2,322 SH   OTR 2 0 2,322 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 28 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 136 2,329 SH   OTR 2 0 2,329 0
SPDR S&P BIOTECH ETF OTHER 78464A870 9 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 144 490 SH   OTR 2 0 490 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,285 16,468 SH   OTR 2 0 16,468 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 99 1,664 SH   OTR 2 0 1,664 0
VANGUARD REAL ESTATE ETF OTHER 922908553 256 2,929 SH   OTR 2 0 2,929 0
VANGUARD S&P 500 ETF OTHER 922908363 47 173 SH   OTR 2 0 173 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH   OTR 2 0 500 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 288 2,582 SH   OTR 2 0 2,582 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 123 2,300 SH   OTR 2 0 2,300 0
ABBOTT LABS COMMON STOCK 002824100 854 10,150 SH   DFND 2 10,150 0 0
ABBVIE INC COMMON STOCK 00287Y109 521 7,171 SH   DFND 2 7,171 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 40 842 SH   DFND 2 842 0 0
ADOBE INC COMMON STOCK 00724F101 1,470 4,989 SH   DFND 2 4,989 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 77 340 SH   DFND 2 340 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 39 300 SH   DFND 2 300 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 6 500 SH   DFND 2 500 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,031 4,646 SH   DFND 2 4,646 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,544 1,428 SH   DFND 2 1,428 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 419 8,842 SH   DFND 2 8,842 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,336 3,346 SH   DFND 2 3,346 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 49 555 SH   DFND 2 555 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 372 3,015 SH   DFND 2 3,015 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 200 3,755 SH   DFND 2 3,755 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 292 2,520 SH   DFND 2 2,520 0 0
AMGEN INC COMMON STOCK 031162100 2,297 12,465 SH   DFND 2 12,465 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101 31 320 SH   DFND 2 320 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 71 1,002 SH   DFND 2 1,002 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 24 210 SH   DFND 2 210 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 46 14,000 SH   DFND 2 14,000 0 0
APPLE INC COMMON STOCK 037833100 6,878 34,753 SH   DFND 2 34,753 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 122 2,725 SH   DFND 2 2,725 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 49 1,182 SH   DFND 2 1,182 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH   DFND 2 200 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 37 460 SH   DFND 2 460 0 0
AT&T INC COMMON STOCK 00206R102 660 19,698 SH   DFND 2 19,698 0 0
AUTODESK INC COMMON STOCK 052769106 16 100 SH   DFND 2 100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 314 1,900 SH   DFND 2 1,900 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,281 44,187 SH   DFND 2 44,187 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 211 4,775 SH   DFND 2 4,775 0 0
BAXTER INTL INC COMMON STOCK 071813109 151 1,840 SH   DFND 2 1,840 0 0
BB&T CORPORATION COMMON STOCK 054937107 173 3,525 SH   DFND 2 3,525 0 0
BECTON DICKINSON COMMON STOCK 075887109 76 300 SH   DFND 2 300 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,528 16,550 SH   DFND 2 16,550 0 0
BIOGEN INC COMMON STOCK 09062X103 2 10 SH   DFND 2 10 0 0
BLACK KNIGHT INC COMMON STOCK 09215C105 55 918 SH   DFND 2 918 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,241 4,775 SH   DFND 2 4,775 0 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 36 800 SH   DFND 2 800 0 0
BOEING CO COMMON STOCK 097023105 930 2,555 SH   DFND 2 2,555 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 1,228 655 SH   DFND 2 655 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 52 1,200 SH   DFND 2 1,200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,342 29,582 SH   DFND 2 29,582 0 0
CANNAE HOLDINGS INC COMMON STOCK 13765N107 29 998 SH   DFND 2 998 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 77 854 SH   DFND 2 854 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 109 2,320 SH   DFND 2 2,320 0 0
CATERPILLAR INC COMMON STOCK 149123101 291 2,135 SH   DFND 2 2,135 0 0
CELGENE CORP COMMON STOCK 151020104 620 6,704 SH   DFND 2 6,704 0 0
CERNER CORP COMMON STOCK 156782104 375 5,118 SH   DFND 2 5,118 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 99 2,451 SH   DFND 2 2,451 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 9 200 SH   DFND 2 200 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,269 18,232 SH   DFND 2 18,232 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,104 38,446 SH   DFND 2 38,446 0 0
CITIGROUP INC COMMON STOCK 172967424 35 500 SH   DFND 2 500 0 0
CLOROX COMPANY COMMON STOCK 189054109 106 692 SH   DFND 2 692 0 0
CME GROUP INC COMMON STOCK 12572Q105 112 575 SH   DFND 2 575 0 0
CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100 1,646 32,319 SH   DFND 2 32,319 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 398 5,557 SH   DFND 2 5,557 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 209 4,933 SH   DFND 2 4,933 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 21 300 SH   DFND 2 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 417 6,828 SH   DFND 2 6,828 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 65 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,439 7,305 SH   DFND 2 7,305 0 0
CORNING INC COMMON STOCK 219350105 43 1,300 SH   DFND 2 1,300 0 0
CORTEVA INC COMMON STOCK 22052L104 75 2,536 SH   DFND 2 2,536 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,059 4,009 SH   DFND 2 4,009 0 0
CSX CORP COMMON STOCK 126408103 14 180 SH   DFND 2 180 0 0
CUMMINS INC COMMON STOCK 231021106 810 4,727 SH   DFND 2 4,727 0 0
CVS HEALTH CORP COMMON STOCK 126650100 391 7,182 SH   DFND 2 7,182 0 0
DANAHER CORP COMMON STOCK 235851102 182 1,276 SH   DFND 2 1,276 0 0
DEERE & CO COMMON STOCK 244199105 97 585 SH   DFND 2 585 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,596 25,752 SH   DFND 2 25,752 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 16 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 1,255 11,690 SH   DFND 2 11,690 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 349 4,511 SH   DFND 2 4,511 0 0
DONALDSON INC COMMON STOCK 257651109 20 400 SH   DFND 2 400 0 0
DOW INC COMMON STOCK 260557103 189 3,841 SH   DFND 2 3,841 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 137 1,549 SH   DFND 2 1,549 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 66 830 SH   DFND 2 830 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 278 3,703 SH   DFND 2 3,703 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 3 40 SH   DFND 2 40 0 0
EBAY INC COMMON STOCK 278642103 16 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100 903 4,575 SH   DFND 2 4,575 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 24 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 6 55 SH   DFND 2 55 0 0
EMERSON ELEC CO COMMON STOCK 291011104 360 5,403 SH   DFND 2 5,403 0 0
EOG RES INC COMMON STOCK 26875P101 462 4,964 SH   DFND 2 4,964 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 2,869 37,439 SH   DFND 2 37,439 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,447 7,499 SH   DFND 2 7,499 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 17 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 431 2,626 SH   DFND 2 2,626 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 34 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 450 4,935 SH   DFND 2 4,935 0 0
FNF GROUP COMMON STOCK 31620R303 121 3,000 SH   DFND 2 3,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 95 9,300 SH   DFND 2 9,300 0 0
FORTIVE CORP COMMON STOCK 34959J108 508 6,232 SH   DFND 2 6,232 0 0
GARRETT MOTION INC COMMON STOCK 366505105 0 6 SH   DFND 2 6 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,185 6,516 SH   DFND 2 6,516 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 213 20,320 SH   DFND 2 20,320 0 0
GENERAL MLS INC COMMON STOCK 370334104 545 10,371 SH   DFND 2 10,371 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 27 700 SH   DFND 2 700 0 0
GENUINE PARTS CO COMMON STOCK 372460105 22 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 450 6,664 SH   DFND 2 6,664 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 531 2,594 SH   DFND 2 2,594 0 0
GRAINGER W W INC COMMON STOCK 384802104 46 170 SH   DFND 2 170 0 0
GRUBHUB INC COMMON STOCK 400110102 3 35 SH   DFND 2 35 0 0
HALLIBURTON CO COMMON STOCK 406216101 19 830 SH   DFND 2 830 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 96 2,194 SH   DFND 2 2,194 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 8 150 SH   DFND 2 150 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,696 17,774 SH   DFND 2 17,774 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,417 13,845 SH   DFND 2 13,845 0 0
HORMEL FOODS CORP COMMON STOCK 440452100 3 80 SH   DFND 2 80 0 0
HUMANA INC COMMON STOCK 444859102 16 60 SH   DFND 2 60 0 0
IDEXX LABORATORIES INC COMMON STOCK 45168D104 78 285 SH   DFND 2 285 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 81 540 SH   DFND 2 540 0 0
INTEL CORP COMMON STOCK 458140100 1,909 39,882 SH   DFND 2 39,882 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,296 26,719 SH   DFND 2 26,719 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 775 5,341 SH   DFND 2 5,341 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 85 1,960 SH   DFND 2 1,960 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 479 3,470 SH   DFND 2 3,470 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 105 200 SH   DFND 2 200 0 0
J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 2 172 SH   DFND 2 172 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 16 120 SH   DFND 2 120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 196 2,326 SH   DFND 2 2,326 0 0
JM SMUCKER CO COMMON STOCK 832696405 6 50 SH   DFND 2 50 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,126 29,623 SH   DFND 2 29,623 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 4,222 37,764 SH   DFND 2 37,764 0 0
KADANT INC COMMON STOCK 48282T104 73 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108 10 190 SH   DFND 2 190 0 0
KEYCORP COMMON STOCK 493267108 14 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 29 220 SH   DFND 2 220 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 53 2,100 SH   DFND 2 2,100 0 0
KOHLS CORP COMMON STOCK 500255104 4 75 SH   DFND 2 75 0 0
LILLY ELI & CO COMMON STOCK 532457108 340 3,070 SH   DFND 2 3,070 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 908 2,499 SH   DFND 2 2,499 0 0
LOWES COS INC COMMON STOCK 548661107 791 7,838 SH   DFND 2 7,838 0 0
MARATHON OIL CORP COMMON STOCK 565849106 4 264 SH   DFND 2 264 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 9 160 SH   DFND 2 160 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 1,084 7,730 SH   DFND 2 7,730 0 0
MASCO CORP COMMON STOCK 574599106 1,052 26,802 SH   DFND 2 26,802 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 1,265 4,781 SH   DFND 2 4,781 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 112 720 SH   DFND 2 720 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,088 5,239 SH   DFND 2 5,239 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 10 400 SH   DFND 2 400 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,447 29,179 SH   DFND 2 29,179 0 0
METLIFE INC COMMON STOCK 59156R108 62 1,244 SH   DFND 2 1,244 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,869 58,745 SH   DFND 2 58,745 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 7 123 SH   DFND 2 123 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 66 1,040 SH   DFND 2 1,040 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,021 23,311 SH   DFND 2 23,311 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 21 565 SH   DFND 2 565 0 0
NETFLIX INC COMMON STOCK 64110L106 4,307 11,726 SH   DFND 2 11,726 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 10 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,206 5,888 SH   DFND 2 5,888 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 417 4,968 SH   DFND 2 4,968 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 66 330 SH   DFND 2 330 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 16 50 SH   DFND 2 50 0 0
NUCOR CORP COMMON STOCK 670346105 2 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104 411 2,501 SH   DFND 2 2,501 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 288 5,730 SH   DFND 2 5,730 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,376 41,714 SH   DFND 2 41,714 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 21 125 SH   DFND 2 125 0 0
PATTERN ENERGY GROUP INC COMMON STOCK 70338P100 23 1,000 SH   DFND 2 1,000 0 0
PAYCHEX INC COMMON STOCK 704326107 1,306 15,867 SH   DFND 2 15,867 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 3,860 33,721 SH   DFND 2 33,721 0 0
PEPSICO INC COMMON STOCK 713448108 2,785 21,239 SH   DFND 2 21,239 0 0
PFIZER INC COMMON STOCK 717081103 2,689 62,073 SH   DFND 2 62,073 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 678 8,633 SH   DFND 2 8,633 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,326 14,171 SH   DFND 2 14,171 0 0
PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 42 309 SH   DFND 2 309 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 56 476 SH   DFND 2 476 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,948 26,884 SH   DFND 2 26,884 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 330 3,272 SH   DFND 2 3,272 0 0
QUALCOMM INC COMMON STOCK 747525103 495 6,501 SH   DFND 2 6,501 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 661 3,800 SH   DFND 2 3,800 0 0
RED HAT INC COMMON STOCK 756577102 331 1,765 SH   DFND 2 1,765 0 0
REGENERON PHARMACEUTICALS INC COMMON STOCK 75886F107 19 60 SH   DFND 2 60 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 10 SH   DFND 2 10 0 0
ROBERT HALF INTERNATIONAL INC COMMON STOCK 770323103 4 75 SH   DFND 2 75 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 44 120 SH   DFND 2 120 0 0
ROSS STORES INC COMMON STOCK 778296103 42 420 SH   DFND 2 420 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,448 9,541 SH   DFND 2 9,541 0 0
SEMPRA ENERGY COMMON STOCK 816851109 145 1,055 SH   DFND 2 1,055 0 0
SERVICENOW INC COMMON STOCK 81762P102 5 20 SH   DFND 2 20 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 142 310 SH   DFND 2 310 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 93 585 SH   DFND 2 585 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 21 450 SH   DFND 2 450 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 53 951 SH   DFND 2 951 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 770 15,170 SH   DFND 2 15,170 0 0
SQUARE INC CL A COMMON STOCK 852234103 22 300 SH   DFND 2 300 0 0
STARBUCKS CORP COMMON STOCK 855244109 2,090 24,928 SH   DFND 2 24,928 0 0
STATE STREET CORP COMMON STOCK 857477103 178 3,184 SH   DFND 2 3,184 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,431 11,823 SH   DFND 2 11,823 0 0
SYSCO CORP COMMON STOCK 871829107 267 3,772 SH   DFND 2 3,772 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 473 4,315 SH   DFND 2 4,315 0 0
TARGET CORP COMMON STOCK 87612E106 195 2,247 SH   DFND 2 2,247 0 0
TESLA INC COMMON STOCK 88160R101 115 514 SH   DFND 2 514 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 446 3,885 SH   DFND 2 3,885 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 161 1,200 SH   DFND 2 1,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,297 7,820 SH   DFND 2 7,820 0 0
TJX COS INC COMMON STOCK 872540109 1,373 25,958 SH   DFND 2 25,958 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 24 300 SH   DFND 2 300 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 100 672 SH   DFND 2 672 0 0
TWITTER INC COMMON STOCK 90184L102 2 65 SH   DFND 2 65 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 26 1,010 SH   DFND 2 1,010 0 0
UNION PAC CORP COMMON STOCK 907818108 2,410 14,252 SH   DFND 2 14,252 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 240 2,326 SH   DFND 2 2,326 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,913 14,695 SH   DFND 2 14,695 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 8 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 863 3,537 SH   DFND 2 3,537 0 0
US BANCORP NEW COMMON STOCK 902973304 1,457 27,809 SH   DFND 2 27,809 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 460 5,373 SH   DFND 2 5,373 0 0
VALVOLINE INC COMMON STOCK 92047W101 12 625 SH   DFND 2 625 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 27 200 SH   DFND 2 200 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,976 34,590 SH   DFND 2 34,590 0 0
VERSUM MATERIALS INC COMMON STOCK 92532W103 4 75 SH   DFND 2 75 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 6 30 SH   DFND 2 30 0 0
VISA INC CL A COMMON STOCK 92826C839 4,909 28,288 SH   DFND 2 28,288 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 518 3,773 SH   DFND 2 3,773 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 5 100 SH   DFND 2 100 0 0
WALMART INC COMMON STOCK 931142103 567 5,132 SH   DFND 2 5,132 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 9 77 SH   DFND 2 77 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 33 400 SH   DFND 2 400 0 0
WELLS FARGO & CO COMMON STOCK 949746101 438 9,261 SH   DFND 2 9,261 0 0
WESTROCK CO COMMON STOCK 96145D105 4 99 SH   DFND 2 99 0 0
WHIRLPOOL CORP COMMON STOCK 963320106 1 10 SH   DFND 2 10 0 0
WILLIAMS COS INC COMMON STOCK 969457100 220 7,859 SH   DFND 2 7,859 0 0
WORLD WRESTLING ENTERTAINMENT COMMON STOCK 98156Q108 14 200 SH   DFND 2 200 0 0
WYNN RESORTS LTD COMMON STOCK 983134107 15 125 SH   DFND 2 125 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 23 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 112 1,015 SH   DFND 2 1,015 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 223 1,897 SH   DFND 2 1,897 0 0
3M CO COMMON STOCK 88579Y101 831 4,793 SH   DFND 2 4,793 0 0
BAOZUN INC SPONS ADR COMMON STOCK 06684L103 6 126 SH   DFND 2 126 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 88 2,122 SH   DFND 2 2,122 0 0
GW PHARMACEUTICALS PLC SPONS A COMMON STOCK 36197T103 3 20 SH   DFND 2 20 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 1 28 SH   DFND 2 28 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 34 550 SH   DFND 2 550 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 25 122 SH   DFND 2 122 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 6 30 SH   DFND 2 30 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 5 260 SH   DFND 2 260 0 0
INNOVATIVE INDUSTRIAL PROP CL COMMON STOCK 45781V101 6 50 SH   DFND 2 50 0 0
LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 14 1,500 SH   DFND 2 1,500 0 0
TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 12 936 SH   DFND 2 936 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 68 2,591 SH   DFND 2 2,591 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 46,889 1,350,088 SH   DFND 2 1,350,088 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 49 265 SH   DFND 2 265 0 0
ALLEGION PLC COMMON STOCK G0176J109 7 66 SH   DFND 2 66 0 0
ALLERGAN PLC COMMON STOCK G0177J108 200 1,192 SH   DFND 2 1,192 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 5 300 SH   DFND 2 300 0 0
CANOPY GROWTH CORP COMMON STOCK 138035100 3 83 SH   DFND 2 83 0 0
CARNIVAL CORP COMMON STOCK 143658300 56 1,200 SH   DFND 2 1,200 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 627 5,422 SH   DFND 2 5,422 0 0
CRONOS GROUP INC COMMON STOCK 22717L101 4 242 SH   DFND 2 242 0 0
EATON CORP PLC COMMON STOCK G29183103 13 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 58 1,595 SH   DFND 2 1,595 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 36 286 SH   DFND 2 286 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 9 100 SH   DFND 2 100 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 437 4,490 SH   DFND 2 4,490 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 8 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 166 4,173 SH   DFND 2 4,173 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 11 36 SH   DFND 2 36 0 0
SPOTIFY TECHNOLOGY SA COMMON STOCK L8681T102 15 100 SH   DFND 2 100 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 6 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 113 1,932 SH   DFND 2 1,932 0 0
ALPS SECTOR DIVIDEND DOGS ETF OTHER 00162Q858 82 1,885 SH   DFND 2 1,885 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 35 706 SH   DFND 2 706 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 270 2,269 SH   DFND 2 2,269 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 99 1,707 SH   DFND 2 1,707 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 53 829 SH   DFND 2 829 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 399 14,460 SH   DFND 2 14,460 0 0
FLEXSHARES-INT QUAL DVD INDE OTHER 33939L837 2 100 SH   DFND 2 100 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 29 1,350 SH   DFND 2 1,350 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 366 3,946 SH   DFND 2 3,946 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 218 2,821 SH   DFND 2 2,821 0 0
INVESCO DYNAMIC BIOTECHNOLOGY OTHER 46137V787 5 100 SH   DFND 2 100 0 0
INVESCO DYNAMIC SOFTWARE ETF OTHER 46137V639 10 100 SH   DFND 2 100 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 49090E103 5 25 SH   DFND 2 25 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 10,332 53,185 SH   DFND 2 53,185 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 7,832 100,048 SH   DFND 2 100,048 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 124 1,777 SH   DFND 2 1,777 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 37 556 SH   DFND 2 556 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 46 1,068 SH   DFND 2 1,068 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 905 16,199 SH   DFND 2 16,199 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 309 1,986 SH   DFND 2 1,986 0 0
ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 156 775 SH   DFND 2 775 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 308 2,644 SH   DFND 2 2,644 0 0
ISHARES U.S. AEROSPACE & DEF OTHER 464288760 26 120 SH   DFND 2 120 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 34 735 SH   DFND 2 735 0 0
ISHARES US TECHNOLOGY ETF OTHER 464287721 5 25 SH   DFND 2 25 0 0
ISHARES US UTILITIES ETF OTHER 464287697 35 235 SH   DFND 2 235 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 775 13,247 SH   DFND 2 13,247 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH   DFND 2 59 0 0
SPDR GOLD TRUST OTHER 78463V107 13 100 SH   DFND 2 100 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 310 8,012 SH   DFND 2 8,012 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 1,292 41,290 SH   DFND 2 41,290 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 163 1,860 SH   DFND 2 1,860 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 43 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 31 88 SH   DFND 2 88 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 123 1,810 SH   DFND 2 1,810 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 204 3,750 SH   DFND 2 3,750 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 8,928 30,472 SH   DFND 2 30,472 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 610 7,821 SH   DFND 2 7,821 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 389 6,531 SH   DFND 2 6,531 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 32 250 SH   DFND 2 250 0 0
VANGUARD GROWTH ETF OTHER 922908736 91 556 SH   DFND 2 556 0 0
VANGUARD MID-CAP ETF OTHER 922908629 235 1,408 SH   DFND 2 1,408 0 0
VANGUARD MID-CAP GROWTH ETF OTHER 922908538 361 2,415 SH   DFND 2 2,415 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 13,960 159,722 SH   DFND 2 159,722 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 12 100 SH   DFND 2 100 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 211 2,484 SH   DFND 2 2,484 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 13,384 120,196 SH   DFND 2 120,196 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 1,965 36,766 SH   DFND 2 36,766 0 0
SPDR BLOOMBERG BARCLAYS INTL C OTHER 78464A151 76 2,210 SH   DFND 2 2,210 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,961 24,309 SH   DFND 2 24,309 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 754 6,669 SH   DFND 2 6,669 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,752 83,672 SH   DFND 2 83,672 0 0
ABBOTT LABS COMMON STOCK 002824100 17 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 15 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 37 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 28 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 21 105 SH   OTR   0 105 0
AT&T INC COMMON STOCK 00206R102 10 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 24 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 22 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 14 200 SH   OTR   0 200 0
CORTEVA INC COMMON STOCK 22052L104 2 66 SH   OTR   0 66 0
DANAHER CORP COMMON STOCK 235851102 14 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 28 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 3 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 66 SH   OTR   0 66 0
EXXONMOBIL CORP COMMON STOCK 30231G102 17 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 5 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 21 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 19 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 14 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 21 150 SH   OTR   0 150 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 7 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 21 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 54 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 17 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 20 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 16 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 27 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 21 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 12 70 SH   OTR   0 70 0
WELLS FARGO & CO COMMON STOCK 949746101 28 600 SH   OTR   0 600 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 14 330 SH   OTR   0 330 0
ABBOTT LABS COMMON STOCK 002824100 12 143 SH   SOLE   143 0 0
ABBVIE INC COMMON STOCK 00287Y109 5 75 SH   SOLE   75 0 0
ADOBE INC COMMON STOCK 00724F101 48 163 SH   SOLE   163 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 505 466 SH   SOLE   466 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 59 55 SH   SOLE   55 0 0
ALTABA INC COMMON STOCK 021346101 7 100 SH   SOLE   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 21 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 581 307 SH   SOLE   307 0 0
AMERICAN AIRLINES GROUP INC COMMON STOCK 02376R102 49 1,488 SH   SOLE   1,488 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 37 300 SH   SOLE   300 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 15 275 SH   SOLE   275 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 20 175 SH   SOLE   175 0 0
AMGEN INC COMMON STOCK 031162100 200 1,088 SH   SOLE   1,088 0 0
APPLE INC COMMON STOCK 037833100 836 4,223 SH   SOLE   4,223 0 0
AT&T INC COMMON STOCK 00206R102 22 664 SH   SOLE   664 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 50 300 SH   SOLE   300 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 214 7,370 SH   SOLE   7,370 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 7 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 253 1,186 SH   SOLE   1,186 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 85 182 SH   SOLE   182 0 0
BOEING CO COMMON STOCK 097023105 11 30 SH   SOLE   30 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 39 21 SH   SOLE   21 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 99 2,179 SH   SOLE   2,179 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 91 1,000 SH   SOLE   1,000 0 0
CELGENE CORP COMMON STOCK 151020104 51 550 SH   SOLE   550 0 0
CERNER CORP COMMON STOCK 156782104 24 324 SH   SOLE   324 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 181 1,453 SH   SOLE   1,453 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 45 820 SH   SOLE   820 0 0
CITIGROUP INC COMMON STOCK 172967424 70 1,000 SH   SOLE   1,000 0 0
COCA COLA CO COMMON STOCK 191216100 130 2,550 SH   SOLE   2,550 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 38 530 SH   SOLE   530 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 48 795 SH   SOLE   795 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 156 794 SH   SOLE   794 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 189 717 SH   SOLE   717 0 0
CUMMINS INC COMMON STOCK 231021106 27 160 SH   SOLE   160 0 0
CVS HEALTH CORP COMMON STOCK 126650100 14 258 SH   SOLE   258 0 0
DANAHER CORP COMMON STOCK 235851102 13 89 SH   SOLE   89 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 272 1,950 SH   SOLE   1,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108 35 325 SH   SOLE   325 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 18 230 SH   SOLE   230 0 0
DOW INC COMMON STOCK 260557103 3 69 SH   SOLE   69 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 8 100 SH   SOLE   100 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 69 SH   SOLE   69 0 0
ECOLAB INC COMMON STOCK 278865100 90 454 SH   SOLE   454 0 0
EMERSON ELEC CO COMMON STOCK 291011104 13 200 SH   SOLE   200 0 0
EOG RES INC COMMON STOCK 26875P101 32 342 SH   SOLE   342 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 265 3,456 SH   SOLE   3,456 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 202 1,047 SH   SOLE   1,047 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 82 500 SH   SOLE   500 0 0
FORTIVE CORP COMMON STOCK 34959J108 27 332 SH   SOLE   332 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 43 238 SH   SOLE   238 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 57 5,400 SH   SOLE   5,400 0 0
GENERAL MLS INC COMMON STOCK 370334104 53 1,002 SH   SOLE   1,002 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 76 1,122 SH   SOLE   1,122 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 15 75 SH   SOLE   75 0 0
HOME DEPOT INC COMMON STOCK 437076102 255 1,228 SH   SOLE   1,228 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 207 1,184 SH   SOLE   1,184 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 36 240 SH   SOLE   240 0 0
INTEL CORP COMMON STOCK 458140100 122 2,550 SH   SOLE   2,550 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 79 920 SH   SOLE   920 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 95 652 SH   SOLE   652 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 13 290 SH   SOLE   290 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 54 393 SH   SOLE   393 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 10 115 SH   SOLE   115 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 335 2,403 SH   SOLE   2,403 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 372 3,326 SH   SOLE   3,326 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 7 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 30 82 SH   SOLE   82 0 0
LOWES COS INC COMMON STOCK 548661107 47 470 SH   SOLE   470 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 141 1,007 SH   SOLE   1,007 0 0
MASCO CORP COMMON STOCK 574599106 37 948 SH   SOLE   948 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 43 163 SH   SOLE   163 0 0
MCDONALDS CORP COMMON STOCK 580135101 88 425 SH   SOLE   425 0 0
MERCK & CO INC COMMON STOCK 58933Y105 246 2,931 SH   SOLE   2,931 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 48 550 SH   SOLE   550 0 0
MICROSOFT CORP COMMON STOCK 594918104 653 4,872 SH   SOLE   4,872 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 16 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448 105 2,404 SH   SOLE   2,404 0 0
NETFLIX INC COMMON STOCK 64110L106 421 1,147 SH   SOLE   1,147 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 128 623 SH   SOLE   623 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 40 480 SH   SOLE   480 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 20 407 SH   SOLE   407 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 128 2,251 SH   SOLE   2,251 0 0
PAYCHEX INC COMMON STOCK 704326107 60 731 SH   SOLE   731 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 253 2,213 SH   SOLE   2,213 0 0
PEPSICO INC COMMON STOCK 713448108 203 1,551 SH   SOLE   1,551 0 0
PFIZER INC COMMON STOCK 717081103 160 3,691 SH   SOLE   3,691 0 0
PHILLIPS 66 COMMON STOCK 718546104 137 1,466 SH   SOLE   1,466 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 178 1,622 SH   SOLE   1,622 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 35 350 SH   SOLE   350 0 0
QUALCOMM INC COMMON STOCK 747525103 33 440 SH   SOLE   440 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 26 147 SH   SOLE   147 0 0
RED HAT INC COMMON STOCK 756577102 27 145 SH   SOLE   145 0 0
SALESFORCE.COM COMMON STOCK 79466L302 229 1,511 SH   SOLE   1,511 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 55 1,079 SH   SOLE   1,079 0 0
STARBUCKS CORP COMMON STOCK 855244109 188 2,245 SH   SOLE   2,245 0 0
STRYKER CORPORATION COMMON STOCK 863667101 155 753 SH   SOLE   753 0 0
SYSCO CORP COMMON STOCK 871829107 20 285 SH   SOLE   285 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 38 347 SH   SOLE   347 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 61 208 SH   SOLE   208 0 0
TJX COS INC COMMON STOCK 872540109 155 2,923 SH   SOLE   2,923 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 15 679 SH   SOLE   679 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 17 675 SH   SOLE   675 0 0
UNION PAC CORP COMMON STOCK 907818108 138 816 SH   SOLE   816 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 18 175 SH   SOLE   175 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 97 745 SH   SOLE   745 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 285 1,170 SH   SOLE   1,170 0 0
US BANCORP NEW COMMON STOCK 902973304 142 2,701 SH   SOLE   2,701 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 79 927 SH   SOLE   927 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 127 2,229 SH   SOLE   2,229 0 0
VISA INC CL A COMMON STOCK 92826C839 497 2,864 SH   SOLE   2,864 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 76 556 SH   SOLE   556 0 0
WALMART INC COMMON STOCK 931142103 101 913 SH   SOLE   913 0 0
WELLS FARGO & CO COMMON STOCK 949746101 61 1,295 SH   SOLE   1,295 0 0
WILLIAMS COS INC COMMON STOCK 969457100 16 567 SH   SOLE   567 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 9 75 SH   SOLE   75 0 0
3M CO COMMON STOCK 88579Y101 108 625 SH   SOLE   625 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 30 255 SH   SOLE   255 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 881 25,377 SH   SOLE   25,377 0 0
ALLERGAN PLC COMMON STOCK G0177J108 25 150 SH   SOLE   150 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 30 261 SH   SOLE   261 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 12 122 SH   SOLE   122 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 35 884 SH   SOLE   884 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 68 1,380 SH   SOLE   1,380 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 78 653 SH   SOLE   653 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 29 504 SH   SOLE   504 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 14 219 SH   SOLE   219 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 78 844 SH   SOLE   844 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 54 698 SH   SOLE   698 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 365 1,879 SH   SOLE   1,879 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 479 6,117 SH   SOLE   6,117 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 4 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 45 800 SH   SOLE   800 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 74 1,271 SH   SOLE   1,271 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 5 144 SH   SOLE   144 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 18 268 SH   SOLE   268 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 138 1,766 SH   SOLE   1,766 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 47 782 SH   SOLE   782 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 1,054 12,065 SH   SOLE   12,065 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 855 7,677 SH   SOLE   7,677 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 20 378 SH   SOLE   378 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 34 419 SH   SOLE   419 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,071 18,859 SH   SOLE   18,859 0 0
ABBOTT LABS COMMON STOCK 002824100 1,240 14,750 SH   DFND 3 14,750 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 826 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 2,947 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 611 2,700 SH   DFND 3 2,700 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 262 2,000 SH   DFND 3 2,000 0 0
ALLIANT CORP COMMON STOCK 018802108 348 7,100 SH   DFND 3 7,100 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 4,331 4,000 SH   DFND 3 4,000 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1 1 SH   DFND 3 1 0 0
AMAZON.COM INC COMMON STOCK 023135106 8,881 4,690 SH   DFND 3 4,690 0 0
AMGEN INC COMMON STOCK 031162100 2,304 12,500 SH   DFND 3 12,500 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 494 7,000 SH   DFND 3 7,000 0 0
APPLE INC COMMON STOCK 037833100 6,472 32,700 SH   DFND 3 32,700 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,911 100,385 SH   DFND 3 100,385 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,036 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,675 3,570 SH   DFND 3 3,570 0 0
BOEING CO COMMON STOCK 097023105 728 2,000 SH   DFND 3 2,000 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 271 6,300 SH   DFND 3 6,300 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1,452 16,000 SH   DFND 3 16,000 0 0
CELGENE CORP COMMON STOCK 151020104 647 7,000 SH   DFND 3 7,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,556 12,500 SH   DFND 3 12,500 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 876 16,000 SH   DFND 3 16,000 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,348 5,100 SH   DFND 3 5,100 0 0
DANAHER CORP COMMON STOCK 235851102 715 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 524 3,750 SH   DFND 3 3,750 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 321 4,150 SH   DFND 3 4,150 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 3,618 13,000 SH   DFND 3 13,000 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 199 2,250 SH   DFND 3 2,250 0 0
ECOLAB INC COMMON STOCK 278865100 770 3,900 SH   DFND 3 3,900 0 0
EOG RES INC COMMON STOCK 26875P101 182 1,950 SH   DFND 3 1,950 0 0
EQUITY RESIDENTIAL REIT COMMON STOCK 29476L107 254 3,350 SH   DFND 3 3,350 0 0
EXELON CORP COMMON STOCK 30161N101 96 2,000 SH   DFND 3 2,000 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 690 9,000 SH   DFND 3 9,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 4,786 24,800 SH   DFND 3 24,800 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,478 9,000 SH   DFND 3 9,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 532 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,830 8,800 SH   DFND 3 8,800 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,746 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 239 5,000 SH   DFND 3 5,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,032 23,650 SH   DFND 3 23,650 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 435 3,000 SH   DFND 3 3,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,577 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,158 19,300 SH   DFND 3 19,300 0 0
LILLY ELI & CO COMMON STOCK 532457108 233 2,100 SH   DFND 3 2,100 0 0
MASCO CORP COMMON STOCK 574599106 2,158 55,000 SH   DFND 3 55,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 540 2,600 SH   DFND 3 2,600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,339 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 5,600 41,800 SH   DFND 3 41,800 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,021 16,000 SH   DFND 3 16,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,533 35,000 SH   DFND 3 35,000 0 0
NETFLIX INC COMMON STOCK 64110L106 4,142 11,275 SH   DFND 3 11,275 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 359 1,750 SH   DFND 3 1,750 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,125 13,400 SH   DFND 3 13,400 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 285 5,000 SH   DFND 3 5,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 687 6,000 SH   DFND 3 6,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,862 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,361 54,500 SH   DFND 3 54,500 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,684 18,000 SH   DFND 3 18,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,700 15,500 SH   DFND 3 15,500 0 0
QUALCOMM INC COMMON STOCK 747525103 609 8,000 SH   DFND 3 8,000 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 417 2,400 SH   DFND 3 2,400 0 0
REGENERON PHARMACEUTICALS INC COMMON STOCK 75886F107 188 600 SH   DFND 3 600 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 1 SH   DFND 3 1 0 0
SALESFORCE.COM COMMON STOCK 79466L302 3,141 20,700 SH   DFND 3 20,700 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,833 4,000 SH   DFND 3 4,000 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 220 1,375 SH   DFND 3 1,375 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 218 3,950 SH   DFND 3 3,950 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1,523 30,000 SH   DFND 3 30,000 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,148 10,450 SH   DFND 3 10,450 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,540 5,245 SH   DFND 3 5,245 0 0
TJX COS INC COMMON STOCK 872540109 798 15,100 SH   DFND 3 15,100 0 0
TWITTER INC COMMON STOCK 90184L102 698 20,000 SH   DFND 3 20,000 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH   DFND 3 1 0 0
UNION PAC CORP COMMON STOCK 907818108 474 2,800 SH   DFND 3 2,800 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 929 9,000 SH   DFND 3 9,000 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,050 12,500 SH   DFND 3 12,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 830 9,700 SH   DFND 3 9,700 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 857 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 8,886 51,200 SH   DFND 3 51,200 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 975 7,100 SH   DFND 3 7,100 0 0
WALMART INC COMMON STOCK 931142103 2,685 24,300 SH   DFND 3 24,300 0 0
ZOETIS INC COMMON STOCK 98978V103 329 2,900 SH   DFND 3 2,900 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 286 1,400 SH   DFND 3 1,400 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 102 500 SH   DFND 3 500 0 0
BOSTON PROPERTIES INC REIT COMMON STOCK 101121101 97 750 SH   DFND 3 750 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 1,110 11,400 SH   DFND 3 11,400 0 0