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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COMMON STOCK 88579Y101   254,125 1,859 SH   DFND 2 1,859 0 0
ABBOTT LABS COMMON STOCK 002824100   2,108,957 18,498 SH   DFND 2 18,498 0 0
ABBVIE INC COMMON STOCK 00287Y109   915,122 4,634 SH   DFND 2 4,634 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   77,766 220 SH   DFND 2 220 0 0
ADOBE INC COMMON STOCK 00724F101   2,942,026 5,682 SH   DFND 2 5,682 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107   4,266 26 SH   DFND 2 26 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   62,228 209 SH   DFND 2 209 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   8,599,654 51,852 SH   DFND 2 51,852 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,789,602 10,704 SH   DFND 2 10,704 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   262,856 5,150 SH   DFND 2 5,150 0 0
AMAZON.COM INC COMMON STOCK 023135106   6,792,101 36,452 SH   DFND 2 36,452 0 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101   12,094 375 SH   DFND 2 375 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   75,206 733 SH   DFND 2 733 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   442,327 1,631 SH   DFND 2 1,631 0 0
AMERICAN SUPERCONDUCTOR CORP COMMON STOCK 030111207   8,142 345 SH   DFND 2 345 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   28,372 122 SH   DFND 2 122 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   930,964 6,366 SH   DFND 2 6,366 0 0
AMGEN INC COMMON STOCK 031162100   3,030,385 9,405 SH   DFND 2 9,405 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   3,091,647 47,447 SH   DFND 2 47,447 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   13,810 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   14,372,139 61,683 SH   DFND 2 61,683 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   340,454 1,685 SH   DFND 2 1,685 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   14,935 250 SH   DFND 2 250 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   54,942,854 1,917,057 SH   DFND 2 1,917,057 0 0
ASHLAND INC COMMON STOCK 044186104   9,828 113 SH   DFND 2 113 0 0
AT&T INC COMMON STOCK 00206R102   125,950 5,725 SH   DFND 2 5,725 0 0
AUTODESK INC COMMON STOCK 052769106   22,038 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   130,617 472 SH   DFND 2 472 0 0
BADGER METER INC COMMON STOCK 056525108   21,841 100 SH   DFND 2 100 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,322,748 58,537 SH   DFND 2 58,537 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   43,116 600 SH   DFND 2 600 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   25,857 1,300 SH   DFND 2 1,300 0 0
BECTON DICKINSON COMMON STOCK 075887109   21,699 90 SH   DFND 2 90 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,755,261 8,159 SH   DFND 2 8,159 0 0
BEST BUY CO INC COMMON STOCK 086516101   5,062 49 SH   DFND 2 49 0 0
BIRKENSTOCK HOLDING PLC COMMON STOCK M2029K104   4,929 100 SH   DFND 2 100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   3,078,311 3,242 SH   DFND 2 3,242 0 0
BOEING CO COMMON STOCK 097023105   7,602 50 SH   DFND 2 50 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   122,151 29 SH   DFND 2 29 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   66,610 2,122 SH   DFND 2 2,122 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   341,898 6,608 SH   DFND 2 6,608 0 0
BROADCOM INC COMMON STOCK 11135F101   6,900 40 SH   DFND 2 40 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   1,497 10 SH   DFND 2 10 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   11,052 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   54,331 675 SH   DFND 2 675 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,481,656 6,345 SH   DFND 2 6,345 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   40,506 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   972 3 SH   DFND 2 3 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   50,131 260 SH   DFND 2 260 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   954,604 6,482 SH   DFND 2 6,482 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105   5,762 100 SH   DFND 2 100 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,695,646 50,651 SH   DFND 2 50,651 0 0
CLOROX COMPANY COMMON STOCK 189054109   80,966 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   49,646 225 SH   DFND 2 225 0 0
COCA COLA CO COMMON STOCK 191216100   2,032,488 28,284 SH   DFND 2 28,284 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   251,324 2,421 SH   DFND 2 2,421 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   99,246 2,376 SH   DFND 2 2,376 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   19,888 220 SH   DFND 2 220 0 0
COMPASS PATHWAYS LTD SPONS ADR COMMON STOCK 20451W101   630 100 SH   DFND 2 100 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,420,438 13,492 SH   DFND 2 13,492 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   354,655 1,770 SH   DFND 2 1,770 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   105,493 1,271 SH   DFND 2 1,271 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   108,191 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   127,814 496 SH   DFND 2 496 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   8,581 33 SH   DFND 2 33 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   3,117,891 3,517 SH   DFND 2 3,517 0 0
CSX CORP COMMON STOCK 126408103   8,702 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,553,868 4,799 SH   DFND 2 4,799 0 0
DANAHER CORP COMMON STOCK 235851102   2,092,101 7,525 SH   DFND 2 7,525 0 0
DEERE & CO COMMON STOCK 244199105   116,435 279 SH   DFND 2 279 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,164,756 22,505 SH   DFND 2 22,505 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   10,318 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   259,903 3,696 SH   DFND 2 3,696 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   883,378 15,286 SH   DFND 2 15,286 0 0
DOW INC COMMON STOCK 260557103   49,331 903 SH   DFND 2 903 0 0
DTE ENERGY CO COMMON STOCK 233331107   4,494 35 SH   DFND 2 35 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   59,149 513 SH   DFND 2 513 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   61,753 693 SH   DFND 2 693 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   885,301 7,908 SH   DFND 2 7,908 0 0
EATON CORP PLC COMMON STOCK G29183103   46,402 140 SH   DFND 2 140 0 0
EBAY INC COMMON STOCK 278642103   26,044 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   530,065 2,076 SH   DFND 2 2,076 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   17,418 200 SH   DFND 2 200 0 0
EMERSON ELEC CO COMMON STOCK 291011104   155,415 1,421 SH   DFND 2 1,421 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   81,220 2,000 SH   DFND 2 2,000 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   159,884 1,821 SH   DFND 2 1,821 0 0
EOG RES INC COMMON STOCK 26875P101   17,825 145 SH   DFND 2 145 0 0
EOS ENERGY ENTERPRISES INC CL COMMON STOCK 29415C101   14,850 5,000 SH   DFND 2 5,000 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   19,285 500 SH   DFND 2 500 0 0
EVANS BANCORP INC COMMON STOCK 29911Q208   11,691 300 SH   DFND 2 300 0 0
EXELON CORP COMMON STOCK 30161N101   4,055 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,939,057 25,073 SH   DFND 2 25,073 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   18,854 41 SH   DFND 2 41 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   142,314 520 SH   DFND 2 520 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   579,915 12,796 SH   DFND 2 12,796 0 0
FIRST SOLAR INC COMMON STOCK 336433107   4,989 20 SH   DFND 2 20 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   35,524 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   404,213 2,250 SH   DFND 2 2,250 0 0
FLAH & CRUM PFD & INCM FUND OTHER 338480106   46,211 3,867 SH   DFND 2 3,867 0 0
FLUSHING FINANCIAL CORP COMMON STOCK 343873105   14,580 1,000 SH   DFND 2 1,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   110,880 10,500 SH   DFND 2 10,500 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   36,308 1,485 SH   DFND 2 1,485 0 0
GE AEROSPACE COMMON STOCK 369604301   576,300 3,056 SH   DFND 2 3,056 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   58,844 627 SH   DFND 2 627 0 0
GE VERNOVA LLC COMMON STOCK 36828A101   173,386 680 SH   DFND 2 680 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,842,211 6,096 SH   DFND 2 6,096 0 0
GENERAL MLS INC COMMON STOCK 370334104   197,475 2,674 SH   DFND 2 2,674 0 0
GENUINE PARTS CO COMMON STOCK 372460105   29,333 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   42,675 509 SH   DFND 2 509 0 0
GINKGO BIOWORKS HOLDINGS INC C COMMON STOCK 37611X209   16 2 SH   DFND 2 2 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   16,100 400 SH   DFND 2 400 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   154,474 312 SH   DFND 2 312 0 0
GRAINGER W W INC COMMON STOCK 384802104   65,445 63 SH   DFND 2 63 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,706 200 SH   DFND 2 200 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   504,261 3,274 SH   DFND 2 3,274 0 0
HOME DEPOT INC COMMON STOCK 437076102   4,597,399 11,346 SH   DFND 2 11,346 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,009,014 9,719 SH   DFND 2 9,719 0 0
IDACORP INC COMMON STOCK 451107106   23,917 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   115,311 440 SH   DFND 2 440 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   334,537 2,470 SH   DFND 2 2,470 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,615,910 16,462 SH   DFND 2 16,462 0 0
INTEL CORP COMMON STOCK 458140100   153,686 6,551 SH   DFND 2 6,551 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,937,624 18,287 SH   DFND 2 18,287 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   47,323 451 SH   DFND 2 451 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   302,659 1,369 SH   DFND 2 1,369 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   63,626,269 130,363 SH   DFND 2 130,363 0 0
INVESCO S&P 500 QUALITY ETF OTHER 46137V241   105,950 1,575 SH   DFND 2 1,575 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   21,115,340 193,134 SH   DFND 2 193,134 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   309,588 5,879 SH   DFND 2 5,879 0 0
ISHARES 20PLUS YEAR TREASURY BOND OTHER 464287432   78,480 800 SH   DFND 2 800 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   123,395 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   29,081,452 410,581 SH   DFND 2 410,581 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   35,669 457 SH   DFND 2 457 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   10,960 19 SH   DFND 2 19 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   50,583,025 811,666 SH   DFND 2 811,666 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   43,118,591 368,661 SH   DFND 2 368,661 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   6,803,926 67,186 SH   DFND 2 67,186 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   617,552 24,545 SH   DFND 2 24,545 0 0
ISHARES GLOBAL HEALTHCARE ETF OTHER 464287325   40,638 414 SH   DFND 2 414 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   2,447,127 105,072 SH   DFND 2 105,072 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   29,939,638 1,284,963 SH   DFND 2 1,284,963 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   240,277 9,206 SH   DFND 2 9,206 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   11,053,627 438,462 SH   DFND 2 438,462 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   240,100 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   12,051,414 480,136 SH   DFND 2 480,136 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   242,465 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   12,221,709 502,951 SH   DFND 2 502,951 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   242,208 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   12,038,366 493,983 SH   DFND 2 493,983 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   12,234,742 479,230 SH   DFND 2 479,230 0 0
ISHARES IBONDS DEC 2028 TERM M OTHER 46435U325   242,152 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   12,456,256 529,828 SH   DFND 2 529,828 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   12,693,234 572,541 SH   DFND 2 572,541 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   12,783,077 602,407 SH   DFND 2 602,407 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   13,156,450 511,725 SH   DFND 2 511,725 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   12,622,632 478,130 SH   DFND 2 478,130 0 0
ISHARES IBONDS DEC 2034 TM COR OTHER 46438G653   113,304 4,242 SH   DFND 2 4,242 0 0
ISHARES MSCI USA MIN VOL FACTO OTHER 46429B697   45,107 494 SH   DFND 2 494 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,418,599 13,059 SH   DFND 2 13,059 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,815,051 88,626 SH   DFND 2 88,626 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   210,655 2,390 SH   DFND 2 2,390 0 0
ISHARES SILVER TRUST OTHER 46428Q109   107,532 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   17,447 367 SH   DFND 2 367 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   21,185 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   49,088 375 SH   DFND 2 375 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,442,568 15,072 SH   DFND 2 15,072 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   4,248,829 20,150 SH   DFND 2 20,150 0 0
KELLANOVA COMMON STOCK 487836108   8,071 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   17,705 1,057 SH   DFND 2 1,057 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   20,773 146 SH   DFND 2 146 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   13,409 150 SH   DFND 2 150 0 0
LABCORP HOLDINGS INC COMMON STOCK 504922105   24,583 110 SH   DFND 2 110 0 0
LENNAR CORP CL A COMMON STOCK 526057104   1,230,806 6,565 SH   DFND 2 6,565 0 0
LILLY ELI & CO COMMON STOCK 532457108   3,180,525 3,590 SH   DFND 2 3,590 0 0
LINDE PLC COMMON STOCK G54950103   58,177 122 SH   DFND 2 122 0 0
LITHIUM AMERICAS ARGENTINA C COMMON STOCK 53681K100   326 100 SH   DFND 2 100 0 0
LITHIUM AMERICAS CORP COMMON STOCK 53681J103   270 100 SH   DFND 2 100 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   139,710 239 SH   DFND 2 239 0 0
LOWES COS INC COMMON STOCK 548661107   1,112,652 4,108 SH   DFND 2 4,108 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   878,732 9,163 SH   DFND 2 9,163 0 0
MANITOWOC CO INC COMMON STOCK 563571405   1,924 200 SH   DFND 2 200 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   6,974 236 SH   DFND 2 236 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   2,486 10 SH   DFND 2 10 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,163,440 16,132 SH   DFND 2 16,132 0 0
MASCO CORP COMMON STOCK 574599106   1,828,465 21,783 SH   DFND 2 21,783 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,784,593 3,614 SH   DFND 2 3,614 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,193,570 12,384 SH   DFND 2 12,384 0 0
MATSON INC COMMON STOCK 57686G105   14,262 100 SH   DFND 2 100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   93,081 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,549,967 8,374 SH   DFND 2 8,374 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   62,931 699 SH   DFND 2 699 0 0
MERCK & CO INC COMMON STOCK 58933Y105   440,045 3,875 SH   DFND 2 3,875 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   4,182,247 7,306 SH   DFND 2 7,306 0 0
METLIFE INC COMMON STOCK 59156R108   26,806 325 SH   DFND 2 325 0 0
MICROSOFT CORP COMMON STOCK 594918104   13,275,616 30,852 SH   DFND 2 30,852 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   376 66 SH   DFND 2 66 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   26,890 365 SH   DFND 2 365 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,604,566 15,393 SH   DFND 2 15,393 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   16,144 365 SH   DFND 2 365 0 0
NEBIUS GROUP N.V. CL A COMMON STOCK N97284108   328 22 SH   DFND 2 22 0 0
NETFLIX INC COMMON STOCK 64110L106   2,239,165 3,157 SH   DFND 2 3,157 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   563,223 6,663 SH   DFND 2 6,663 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   17,680 200 SH   DFND 2 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   33,051 133 SH   DFND 2 133 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   43,302 82 SH   DFND 2 82 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205   2,381 20 SH   DFND 2 20 0 0
NUCOR CORP COMMON STOCK 670346105   5,262 35 SH   DFND 2 35 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   160,650 3,750 SH   DFND 2 3,750 0 0
NVIDIA CORP COMMON STOCK 67066G104   11,377,835 93,691 SH   DFND 2 93,691 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   1,289 25 SH   DFND 2 25 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   5,253,262 30,829 SH   DFND 2 30,829 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   18,309 85 SH   DFND 2 85 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   1,425,990 4,172 SH   DFND 2 4,172 0 0
PAYCHEX INC COMMON STOCK 704326107   288,240 2,148 SH   DFND 2 2,148 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   210,837 2,702 SH   DFND 2 2,702 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   28,950 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,270,784 7,473 SH   DFND 2 7,473 0 0
PFIZER INC COMMON STOCK 717081103   106,355 3,675 SH   DFND 2 3,675 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   412,274 3,396 SH   DFND 2 3,396 0 0
PHILLIPS 66 COMMON STOCK 718546104   18,797 143 SH   DFND 2 143 0 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   9,989,656 99,212 SH   DFND 2 99,212 0 0
PLUG POWER INC COMMON STOCK 72919P202   1,582 700 SH   DFND 2 700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,764,618 15,962 SH   DFND 2 15,962 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   21,919 181 SH   DFND 2 181 0 0
QUALCOMM INC COMMON STOCK 747525103   224,636 1,321 SH   DFND 2 1,321 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   889,978 2,985 SH   DFND 2 2,985 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   346,818 7,764 SH   DFND 2 7,764 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   15,578 216 SH   DFND 2 216 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   49,819 700 SH   DFND 2 700 0 0
ROKU INC COMMON STOCK 77543R102   7,466 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   48,410 87 SH   DFND 2 87 0 0
ROSS STORES INC COMMON STOCK 778296103   37,477 249 SH   DFND 2 249 0 0
RTX CORPORATION COMMON STOCK 75513E101   251,770 2,078 SH   DFND 2 2,078 0 0
RYDER SYSTEM INC COMMON STOCK 783549108   14,580 100 SH   DFND 2 100 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   56,828 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   4,082,932 14,917 SH   DFND 2 14,917 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   16,109 384 SH   DFND 2 384 0 0
SERVICENOW INC COMMON STOCK 81762P102   4,472 5 SH   DFND 2 5 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   202,285 530 SH   DFND 2 530 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   28,850 360 SH   DFND 2 360 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,747 34 SH   DFND 2 34 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 829933100   2,365 100 SH   DFND 2 100 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   35,034 390 SH   DFND 2 390 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   452,663 3,941 SH   DFND 2 3,941 0 0
SOLAREDGE TECHNOLOGIES INC COMMON STOCK 83417M104   344 15 SH   DFND 2 15 0 0
SOLVENTUM CORP COMMON STOCK 83444M101   837 12 SH   DFND 2 12 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102   2,732 50 SH   DFND 2 50 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   45,992 510 SH   DFND 2 510 0 0
SPDR GOLD TRUST OTHER 78463V107   340,041 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   401,595 4,842 SH   DFND 2 4,842 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   42,619,908 806,279 SH   DFND 2 806,279 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   3,972,714 6,924 SH   DFND 2 6,924 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   142,272 1,440 SH   DFND 2 1,440 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763   233,230 1,642 SH   DFND 2 1,642 0 0
SPDR S&P HOMEBUILDERS ETF OTHER 78464A888   599,632 4,814 SH   DFND 2 4,814 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   14,242 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   2,218 50 SH   DFND 2 50 0 0
STARBUCKS CORP COMMON STOCK 855244109   308,751 3,167 SH   DFND 2 3,167 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,758,581 7,636 SH   DFND 2 7,636 0 0
SYSCO CORP COMMON STOCK 871829107   930,631 11,922 SH   DFND 2 11,922 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   152,393 1,399 SH   DFND 2 1,399 0 0
TARGET CORP COMMON STOCK 87612E106   13,404 86 SH   DFND 2 86 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,012,308 4,484 SH   DFND 2 4,484 0 0
TERADYNE INC COMMON STOCK 880770102   1,421,131 10,611 SH   DFND 2 10,611 0 0
TESLA INC COMMON STOCK 88160R101   1,081,317 4,133 SH   DFND 2 4,133 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   747,370 3,618 SH   DFND 2 3,618 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   47,945 250 SH   DFND 2 250 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,776,761 4,489 SH   DFND 2 4,489 0 0
THOMSON REUTERS CORP COMMON STOCK 884903808   14,672 86 SH   DFND 2 86 0 0
TJX COS INC COMMON STOCK 872540109   2,370,547 20,168 SH   DFND 2 20,168 0 0
T-MOBILE US INC COMMON STOCK 872590104   2,103,840 10,195 SH   DFND 2 10,195 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   31,207 540 SH   DFND 2 540 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   36,944 584 SH   DFND 2 584 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   2,080,624 8,887 SH   DFND 2 8,887 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   54,532 1,275 SH   DFND 2 1,275 0 0
TRUMP MEDIA & TECHNOLOGY GROUP COMMON STOCK 25400Q105   1,125 70 SH   DFND 2 70 0 0
UNION PAC CORP COMMON STOCK 907818108   1,945,220 7,892 SH   DFND 2 7,892 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   112,344 824 SH   DFND 2 824 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,284,345 3,907 SH   DFND 2 3,907 0 0
US BANCORP NEW COMMON STOCK 902973304   139,019 3,040 SH   DFND 2 3,040 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   996,583 12,337 SH   DFND 2 12,337 0 0
VANECK BIOTECH ETF OTHER 92189F726   22,174 125 SH   DFND 2 125 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   37,608 1,750 SH   DFND 2 1,750 0 0
VANGUARD GROWTH ETF OTHER 922908736   213,465 556 SH   DFND 2 556 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   26,980 46 SH   DFND 2 46 0 0
VANGUARD MID-CAP ETF OTHER 922908629   26,516,762 100,507 SH   DFND 2 100,507 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   483,690 4,965 SH   DFND 2 4,965 0 0
VANGUARD S&P 500 ETF OTHER 922908363   99,961,277 189,439 SH   DFND 2 189,439 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   5,299,855 66,732 SH   DFND 2 66,732 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   11,201,531 47,222 SH   DFND 2 47,222 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,683,666 22,416 SH   DFND 2 22,416 0 0
VANGUARD TOTAL STOCK MARKET ET OTHER 922908769   390,194 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   228,772 5,094 SH   DFND 2 5,094 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,321,757 2,842 SH   DFND 2 2,842 0 0
VIATRIS INC COMMON STOCK 92556V106   279 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K403   317 52 SH   DFND 2 52 0 0
VISA INC CL A COMMON STOCK 92826C839   3,306,549 12,026 SH   DFND 2 12,026 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   185,819 742 SH   DFND 2 742 0 0
WABTEC CORP COMMON STOCK 929740108   27,266 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103   2,436,631 30,175 SH   DFND 2 30,175 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   91 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   62,072 299 SH   DFND 2 299 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   21,641 225 SH   DFND 2 225 0 0
WELLS FARGO & CO COMMON STOCK 949746101   270,305 4,785 SH   DFND 2 4,785 0 0
WENDY'S CO COMMON STOCK 95058W100   11,738 670 SH   DFND 2 670 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,725 110 SH   DFND 2 110 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,858,548 40,713 SH   DFND 2 40,713 0 0
WK KELLOGG CO COMMON STOCK 92942W107   428 25 SH   DFND 2 25 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   22,510 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,399,615 10,018 SH   DFND 2 10,018 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   61,532 570 SH   DFND 2 570 0 0
ZSCALER INC COMMON STOCK 98980G102   3,419 20 SH   DFND 2 20 0 0
3M CO COMMON STOCK 88579Y101   403,265 2,950 SH   OTR 2 0 2,950 0
ABBOTT LABS COMMON STOCK 002824100   48,568 426 SH   OTR 2 0 426 0
ABBVIE INC COMMON STOCK 00287Y109   256,724 1,300 SH   OTR 2 0 1,300 0
ADOBE INC COMMON STOCK 00724F101   94,754 183 SH   OTR 2 0 183 0
ALPHABET INC CL A COMMON STOCK 02079K305   908,692 5,479 SH   OTR 2 0 5,479 0
ALPHABET INC CL C COMMON STOCK 02079K107   183,073 1,095 SH   OTR 2 0 1,095 0
AMAZON.COM INC COMMON STOCK 023135106   406,199 2,180 SH   OTR 2 0 2,180 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101   12,578 390 SH   OTR 2 0 390 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   271,200 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   38,461 263 SH   OTR 2 0 263 0
AMGEN INC COMMON STOCK 031162100   99,563 309 SH   OTR 2 0 309 0
AMPHENOL CORP CL A COMMON STOCK 032095101   72,719 1,116 SH   OTR 2 0 1,116 0
APPLE INC COMMON STOCK 037833100   1,560,168 6,696 SH   OTR 2 0 6,696 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   487,908 17,024 SH   OTR 2 0 17,024 0
AT&T INC COMMON STOCK 00206R102   28,006 1,273 SH   OTR 2 0 1,273 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   694,869 2,511 SH   OTR 2 0 2,511 0
BANK OF AMERICA CORP COMMON STOCK 060505104   158,720 4,000 SH   OTR 2 0 4,000 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   43,116 600 SH   OTR 2 0 600 0
BAXTER INTL INC COMMON STOCK 071813109   63,600 1,675 SH   OTR 2 0 1,675 0
BECTON DICKINSON COMMON STOCK 075887109   34,960 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   437,247 950 SH   OTR 2 0 950 0
BLACKROCK INC CL A COMMON STOCK 09247X101   188,952 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   80,507 1,556 SH   OTR 2 0 1,556 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   22,104 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   378,303 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC COMMON STOCK 149123101   402,462 1,029 SH   OTR 2 0 1,029 0
CHEVRON CORPORATION COMMON STOCK 166764100   287,029 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   68,494 1,287 SH   OTR 2 0 1,287 0
COCA COLA CO COMMON STOCK 191216100   121,156 1,686 SH   OTR 2 0 1,686 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   573,758 5,527 SH   OTR 2 0 5,527 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   596,911 6,603 SH   OTR 2 0 6,603 0
CONOCOPHILLIPS COMMON STOCK 20825C104   119,072 1,131 SH   OTR 2 0 1,131 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   698,891 3,488 SH   OTR 2 0 3,488 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   397,155 4,785 SH   OTR 2 0 4,785 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   154,356 599 SH   OTR 2 0 599 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   79,787 90 SH   OTR 2 0 90 0
CUMMINS INC COMMON STOCK 231021106   49,864 154 SH   OTR 2 0 154 0
CVS HEALTH CORP COMMON STOCK 126650100   24,523 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   30,304 109 SH   OTR 2 0 109 0
DISNEY WALT CO NEW COMMON STOCK 254687106   118,218 1,229 SH   OTR 2 0 1,229 0
DOMINION ENERGY INC COMMON STOCK 25746U109   27,913 483 SH   OTR 2 0 483 0
DOW INC COMMON STOCK 260557103   1,803 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   36,597 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   48,080 417 SH   OTR 2 0 417 0
EATON CORP PLC COMMON STOCK G29183103   157,434 475 SH   OTR 2 0 475 0
ECOLAB INC COMMON STOCK 278865100   217,031 850 SH   OTR 2 0 850 0
EMERSON ELEC CO COMMON STOCK 291011104   286,549 2,620 SH   OTR 2 0 2,620 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   223,275 2,543 SH   OTR 2 0 2,543 0
EOG RES INC COMMON STOCK 26875P101   4,303 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   902,125 7,696 SH   OTR 2 0 7,696 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   855,279 18,872 SH   OTR 2 0 18,872 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   30,220 100 SH   OTR 2 0 100 0
GILEAD SCIENCES INC COMMON STOCK 375558103   9,222 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   12,378 25 SH   OTR 2 0 25 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   771,794 5,011 SH   OTR 2 0 5,011 0
HOME DEPOT INC COMMON STOCK 437076102   531,217 1,311 SH   OTR 2 0 1,311 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   98,601 477 SH   OTR 2 0 477 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   535,801 3,956 SH   OTR 2 0 3,956 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   65,767 670 SH   OTR 2 0 670 0
INTEL CORP COMMON STOCK 458140100   59,588 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   117,428 731 SH   OTR 2 0 731 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   878,351 3,973 SH   OTR 2 0 3,973 0
INTUIT INC COMMON STOCK 461202103   465,750 750 SH   OTR 2 0 750 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   230,857 473 SH   OTR 2 0 473 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   763,342 6,982 SH   OTR 2 0 6,982 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   78,990 1,500 SH   OTR 2 0 1,500 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   124,725 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   801,158 11,311 SH   OTR 2 0 11,311 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   375,852 6,031 SH   OTR 2 0 6,031 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   1,155,916 9,883 SH   OTR 2 0 9,883 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   233,063 10,007 SH   OTR 2 0 10,007 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   871,513 37,404 SH   OTR 2 0 37,404 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   311,923 12,373 SH   OTR 2 0 12,373 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   270,854 10,791 SH   OTR 2 0 10,791 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   273,788 11,267 SH   OTR 2 0 11,267 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   327,119 13,423 SH   OTR 2 0 13,423 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   276,081 10,814 SH   OTR 2 0 10,814 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   386,598 16,444 SH   OTR 2 0 16,444 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   388,862 17,540 SH   OTR 2 0 17,540 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   443,583 20,904 SH   OTR 2 0 20,904 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   444,115 17,274 SH   OTR 2 0 17,274 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   443,758 16,809 SH   OTR 2 0 16,809 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   51,051 390 SH   OTR 2 0 390 0
JOHNSON & JOHNSON COMMON STOCK 478160104   827,802 5,108 SH   OTR 2 0 5,108 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,276,757 6,055 SH   OTR 2 0 6,055 0
KELLANOVA COMMON STOCK 487836108   72,639 900 SH   OTR 2 0 900 0
LENNAR CORP CL A COMMON STOCK 526057104   21,560 115 SH   OTR 2 0 115 0
LILLY ELI & CO COMMON STOCK 532457108   1,394,470 1,574 SH   OTR 2 0 1,574 0
LINDE PLC COMMON STOCK G54950103   131,137 275 SH   OTR 2 0 275 0
LOWES COS INC COMMON STOCK 548661107   155,739 575 SH   OTR 2 0 575 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   9,878 103 SH   OTR 2 0 103 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   90,511 1,255 SH   OTR 2 0 1,255 0
MASCO CORP COMMON STOCK 574599106   28,456 339 SH   OTR 2 0 339 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   37,035 75 SH   OTR 2 0 75 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   281,622 2,922 SH   OTR 2 0 2,922 0
MCDONALDS CORP COMMON STOCK 580135101   53,898 177 SH   OTR 2 0 177 0
MEDTRONIC PLC COMMON STOCK G5960L103   27,009 300 SH   OTR 2 0 300 0
MERCK & CO INC COMMON STOCK 58933Y105   358,282 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   259,888 454 SH   OTR 2 0 454 0
MICROSOFT CORP COMMON STOCK 594918104   2,048,658 4,761 SH   OTR 2 0 4,761 0
MORGAN STANLEY COMMON STOCK 617446448   177,208 1,700 SH   OTR 2 0 1,700 0
NETFLIX INC COMMON STOCK 64110L106   148,947 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   173,625 2,054 SH   OTR 2 0 2,054 0
NIKE INC-CLASS B COMMON STOCK 654106103   198,016 2,240 SH   OTR 2 0 2,240 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   105,613 425 SH   OTR 2 0 425 0
NVIDIA CORP COMMON STOCK 67066G104   1,271,477 10,470 SH   OTR 2 0 10,470 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   28,708 557 SH   OTR 2 0 557 0
ORACLE CORPORATION COMMON STOCK 68389X105   850,296 4,990 SH   OTR 2 0 4,990 0
ORGANON & CO COMMON STOCK 68622V106   268 14 SH   OTR 2 0 14 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   215,676 2,075 SH   OTR 2 0 2,075 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   96,388 282 SH   OTR 2 0 282 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   8,241 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   81,051 604 SH   OTR 2 0 604 0
PEPSICO INC COMMON STOCK 713448108   484,813 2,851 SH   OTR 2 0 2,851 0
PFIZER INC COMMON STOCK 717081103   278,345 9,618 SH   OTR 2 0 9,618 0
PHILLIPS 66 COMMON STOCK 718546104   4,206 32 SH   OTR 2 0 32 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   310,528 3,084 SH   OTR 2 0 3,084 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   552,335 3,189 SH   OTR 2 0 3,189 0
QUANTA SERVICES INC COMMON STOCK 74762E102   29,815 100 SH   OTR 2 0 100 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   77,625 500 SH   OTR 2 0 500 0
RTX CORPORATION COMMON STOCK 75513E101   630,274 5,202 SH   OTR 2 0 5,202 0
RUMBLE INC CL A COMMON STOCK 78137L105   5,360 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   219,515 802 SH   OTR 2 0 802 0
SCHLUMBERGER LTD COMMON STOCK 806857108   9,019 215 SH   OTR 2 0 215 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   45,255 394 SH   OTR 2 0 394 0
SOLVENTUM CORP COMMON STOCK 83444M101   45,318 650 SH   OTR 2 0 650 0
SOUTHERN COMPANY COMMON STOCK 842587107   27,054 300 SH   OTR 2 0 300 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   99,218 1,877 SH   OTR 2 0 1,877 0
SPDR S&P BIOTECH ETF OTHER 78464A870   8,596 87 SH   OTR 2 0 87 0
SPDR S&P TELECOM ETF OTHER 78464A540   7,044 70 SH   OTR 2 0 70 0
STARBUCKS CORP COMMON STOCK 855244109   176,944 1,815 SH   OTR 2 0 1,815 0
STRYKER CORPORATION COMMON STOCK 863667101   423,758 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP COMMON STOCK 871829107   20,296 260 SH   OTR 2 0 260 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   95,314 875 SH   OTR 2 0 875 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,981,721 8,778 SH   OTR 2 0 8,778 0
TERADYNE INC COMMON STOCK 880770102   66,563 497 SH   OTR 2 0 497 0
TESLA INC COMMON STOCK 88160R101   57,035 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   197,942 320 SH   OTR 2 0 320 0
TJX COS INC COMMON STOCK 872540109   234,492 1,995 SH   OTR 2 0 1,995 0
T-MOBILE US INC COMMON STOCK 872590104   41,066 199 SH   OTR 2 0 199 0
TORONTO DOMINION BANK COMMON STOCK 891160509   131,834 2,084 SH   OTR 2 0 2,084 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   21,773 93 SH   OTR 2 0 93 0
UNION PAC CORP COMMON STOCK 907818108   105,247 427 SH   OTR 2 0 427 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   54,536 400 SH   OTR 2 0 400 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   174,235 298 SH   OTR 2 0 298 0
US BANCORP NEW COMMON STOCK 902973304   65,165 1,425 SH   OTR 2 0 1,425 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   163,014 2,018 SH   OTR 2 0 2,018 0
VANGUARD MID-CAP ETF OTHER 922908629   3,128,760 11,859 SH   OTR 2 0 11,859 0
VANGUARD REAL ESTATE ETF OTHER 922908553   150,027 1,540 SH   OTR 2 0 1,540 0
VANGUARD S&P 500 ETF OTHER 922908363   1,055,868 2,001 SH   OTR 2 0 2,001 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   490,974 6,182 SH   OTR 2 0 6,182 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,108,957 4,675 SH   OTR 2 0 4,675 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   88,742 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   202,775 436 SH   OTR 2 0 436 0
VIATRIS INC COMMON STOCK 92556V106   12,237 1,054 SH   OTR 2 0 1,054 0
VISA INC CL A COMMON STOCK 92826C839   356,060 1,295 SH   OTR 2 0 1,295 0
WALMART INC COMMON STOCK 931142103   146,158 1,810 SH   OTR 2 0 1,810 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   1,601 194 SH   OTR 2 0 194 0
WELLS FARGO & CO COMMON STOCK 949746101   52,253 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100   69,845 1,530 SH   OTR 2 0 1,530 0
YUM! BRANDS INC COMMON STOCK 988498101   18,861 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   16,193 150 SH   OTR 2 0 150 0
ABBOTT LABS COMMON STOCK 002824100   91,436 802 SH   SOLE   802 0 0
ABBVIE INC COMMON STOCK 00287Y109   12,639 64 SH   SOLE   64 0 0
ADOBE INC COMMON STOCK 00724F101   113,912 220 SH   SOLE   220 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107   2,297 14 SH   SOLE   14 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   202,669 1,222 SH   SOLE   1,222 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   115,361 690 SH   SOLE   690 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   17,609 345 SH   SOLE   345 0 0
AMAZON.COM INC COMMON STOCK 023135106   338,189 1,815 SH   SOLE   1,815 0 0
AMENTUM HOLDINGS INC COMMON STOCK 023939101   968 30 SH   SOLE   30 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   42,850 158 SH   SOLE   158 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   35,683 244 SH   SOLE   244 0 0
AMGEN INC COMMON STOCK 031162100   88,286 274 SH   SOLE   274 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   149,477 2,294 SH   SOLE   2,294 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   36,367 158 SH   SOLE   158 0 0
APPLE INC COMMON STOCK 037833100   1,632,165 7,005 SH   SOLE   7,005 0 0
AT&T INC COMMON STOCK 00206R102   49,830 2,265 SH   SOLE   2,265 0 0
AUTODESK INC COMMON STOCK 052769106   24,793 90 SH   SOLE   90 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   17,987 65 SH   SOLE   65 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   105,073 2,648 SH   SOLE   2,648 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   169,836 369 SH   SOLE   369 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   131,982 139 SH   SOLE   139 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   8,424 2 SH   SOLE   2 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   64,002 1,237 SH   SOLE   1,237 0 0
BROADCOM INC COMMON STOCK 11135F101   3,450 20 SH   SOLE   20 0 0
CATERPILLAR INC COMMON STOCK 149123101   100,518 257 SH   SOLE   257 0 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108   307,942 2,480 SH   SOLE   2,480 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   48,452 329 SH   SOLE   329 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   105,801 1,988 SH   SOLE   1,988 0 0
COCA COLA CO COMMON STOCK 191216100   146,020 2,032 SH   SOLE   2,032 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   25,018 241 SH   SOLE   241 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   58,430 555 SH   SOLE   555 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   24,481 95 SH   SOLE   95 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   170,212 192 SH   SOLE   192 0 0
CUMMINS INC COMMON STOCK 231021106   58,930 182 SH   SOLE   182 0 0
CVS HEALTH CORP COMMON STOCK 126650100   67,596 1,075 SH   SOLE   1,075 0 0
DANAHER CORP COMMON STOCK 235851102   98,975 356 SH   SOLE   356 0 0
DEERE & CO COMMON STOCK 244199105   25,040 60 SH   SOLE   60 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   7,305 35 SH   SOLE   35 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   100,038 1,040 SH   SOLE   1,040 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   30,224 523 SH   SOLE   523 0 0
DOW INC COMMON STOCK 260557103   2,458 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   4,010 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   32,242 288 SH   SOLE   288 0 0
ECOLAB INC COMMON STOCK 278865100   7,660 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   20,280 39 SH   SOLE   39 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   160,357 1,368 SH   SOLE   1,368 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   24,631 90 SH   SOLE   90 0 0
GE AEROSPACE COMMON STOCK 369604301   94,290 500 SH   SOLE   500 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   116,937 1,246 SH   SOLE   1,246 0 0
GE VERNOVA LLC COMMON STOCK 36828A101   31,873 125 SH   SOLE   125 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   79,479 263 SH   SOLE   263 0 0
GENERAL MLS INC COMMON STOCK 370334104   22,155 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   39,609 80 SH   SOLE   80 0 0
HOME DEPOT INC COMMON STOCK 437076102   239,068 590 SH   SOLE   590 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   102,942 498 SH   SOLE   498 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   18,345 70 SH   SOLE   70 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   74,798 762 SH   SOLE   762 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   129,476 806 SH   SOLE   806 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   3,463 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   45,321 205 SH   SOLE   205 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   3,927 30 SH   SOLE   30 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   120,735 745 SH   SOLE   745 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   214,655 1,018 SH   SOLE   1,018 0 0
KEYCORP COMMON STOCK 493267108   34,472 2,058 SH   SOLE   2,058 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   7,114 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1,105 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,756 50 SH   SOLE   50 0 0
LENNAR CORP CL A COMMON STOCK 526057104   62,618 334 SH   SOLE   334 0 0
LILLY ELI & CO COMMON STOCK 532457108   143,522 162 SH   SOLE   162 0 0
LOWES COS INC COMMON STOCK 548661107   25,460 94 SH   SOLE   94 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   20,634 83 SH   SOLE   83 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   66,350 920 SH   SOLE   920 0 0
MASCO CORP COMMON STOCK 574599106   91,662 1,092 SH   SOLE   1,092 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   79,502 161 SH   SOLE   161 0 0
MCDONALDS CORP COMMON STOCK 580135101   113,887 374 SH   SOLE   374 0 0
MERCK & CO INC COMMON STOCK 58933Y105   365,209 3,216 SH   SOLE   3,216 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   220,962 386 SH   SOLE   386 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   16,058 200 SH   SOLE   200 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103   2,800 27 SH   SOLE   27 0 0
MICROSOFT CORP COMMON STOCK 594918104   598,978 1,392 SH   SOLE   1,392 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   16,576 225 SH   SOLE   225 0 0
MORGAN STANLEY COMMON STOCK 617446448   37,943 364 SH   SOLE   364 0 0
NASDAQ INC COMMON STOCK 631103108   14,602 200 SH   SOLE   200 0 0
NETFLIX INC COMMON STOCK 64110L106   156,039 220 SH   SOLE   220 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   30,431 360 SH   SOLE   360 0 0
NVIDIA CORP COMMON STOCK 67066G104   459,286 3,782 SH   SOLE   3,782 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   2,577 50 SH   SOLE   50 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   273,492 1,605 SH   SOLE   1,605 0 0
ORGANON & CO COMMON STOCK 68622V106   6,160 322 SH   SOLE   322 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   63,917 187 SH   SOLE   187 0 0
PAYCHEX INC COMMON STOCK 704326107   16,774 125 SH   SOLE   125 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   21,848 280 SH   SOLE   280 0 0
PEPSICO INC COMMON STOCK 713448108   31,629 186 SH   SOLE   186 0 0
PFIZER INC COMMON STOCK 717081103   7,235 250 SH   SOLE   250 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   123,492 713 SH   SOLE   713 0 0
QUALCOMM INC COMMON STOCK 747525103   5,102 30 SH   SOLE   30 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   28,622 96 SH   SOLE   96 0 0
RTX CORPORATION COMMON STOCK 75513E101   29,078 240 SH   SOLE   240 0 0
SALESFORCE INC COMMON STOCK 79466L302   168,605 616 SH   SOLE   616 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   23,776 207 SH   SOLE   207 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   2,963 100 SH   SOLE   100 0 0
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109   4,266 600 SH   SOLE   600 0 0
STARBUCKS CORP COMMON STOCK 855244109   12,966 133 SH   SOLE   133 0 0
STRYKER CORPORATION COMMON STOCK 863667101   148,839 412 SH   SOLE   412 0 0
SYSCO CORP COMMON STOCK 871829107   30,834 395 SH   SOLE   395 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   18,954 174 SH   SOLE   174 0 0
T-MOBILE US INC COMMON STOCK 872590104   73,464 356 SH   SOLE   356 0 0
TERADYNE INC COMMON STOCK 880770102   65,090 486 SH   SOLE   486 0 0
TESLA INC COMMON STOCK 88160R101   39,245 150 SH   SOLE   150 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   10,329 50 SH   SOLE   50 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   218,437 1,139 SH   SOLE   1,139 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   115,673 187 SH   SOLE   187 0 0
TJX COS INC COMMON STOCK 872540109   129,764 1,104 SH   SOLE   1,104 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   81,240 347 SH   SOLE   347 0 0
UNION PAC CORP COMMON STOCK 907818108   101,796 413 SH   SOLE   413 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,908 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   111,089 190 SH   SOLE   190 0 0
US BANCORP NEW COMMON STOCK 902973304   2,287 50 SH   SOLE   50 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   256,212 5,705 SH   SOLE   5,705 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   54,414 117 SH   SOLE   117 0 0
VISA INC CL A COMMON STOCK 92826C839   200,164 728 SH   SOLE   728 0 0
WALMART INC COMMON STOCK 931142103   100,130 1,240 SH   SOLE   1,240 0 0
WELLS FARGO & CO COMMON STOCK 949746101   15,422 273 SH   SOLE   273 0 0
WILLIAMS COS INC COMMON STOCK 969457100   117,184 2,567 SH   SOLE   2,567 0 0
YUM! BRANDS INC COMMON STOCK 988498101   56,862 407 SH   SOLE   407 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409   225,243 3,233 SH   SOLE   3,233 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109   16,333 142 SH   SOLE   142 0 0
SANOFI SPONS ADR COMMON STOCK 80105N105   41,666 723 SH   SOLE   723 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   180 18 SH   SOLE   18 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   1,023,506 35,712 SH   SOLE   35,712 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   19,441 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   34,140 356 SH   SOLE   356 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   13,005 310 SH   SOLE   310 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   63,280 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   100,185 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   39,010 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   33,101 377 SH   SOLE   377 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   123,216 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   89,390 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   5,139,377 10,530 SH   SOLE   10,530 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,972,474 27,848 SH   SOLE   27,848 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   4,210,713 67,566 SH   SOLE   67,566 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   3,733,012 31,917 SH   SOLE   31,917 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   6,922 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   161,384 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   75,765 343 SH   SOLE   343 0 0
ISHARES SILVER TRUST OTHER 46428Q109   17,188 605 SH   SOLE   605 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   82,501 856 SH   SOLE   856 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   66,616 1,555 SH   SOLE   1,555 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   43,241 968 SH   SOLE   968 0 0
SPDR GOLD TRUST OTHER 78463V107   121,044 498 SH   SOLE   498 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   3,664,414 69,323 SH   SOLE   69,323 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,952 40 SH   SOLE   40 0 0
SPDR S&P HOMEBUILDERS ETF OTHER 78464A888   106,872 858 SH   SOLE   858 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   247,291 431 SH   SOLE   431 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   225,760 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   72,460 897 SH   SOLE   897 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   17,919 450 SH   SOLE   450 0 0
VANGUARD ENERGY ETF OTHER 92204A306   9,185 75 SH   SOLE   75 0 0
VANGUARD MID-CAP ETF OTHER 922908629   984,877 3,733 SH   SOLE   3,733 0 0
VANGUARD S&P 500 ETF OTHER 922908363   9,813,079 18,597 SH   SOLE   18,597 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   498,141 2,100 SH   SOLE   2,100 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   20,122 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   27,849 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   1,031,568 40,919 SH   SOLE   40,919 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   1,148,501 45,757 SH   SOLE   45,757 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   1,188,635 48,915 SH   SOLE   48,915 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   1,224,032 50,227 SH   SOLE   50,227 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   1,334,606 52,276 SH   SOLE   52,276 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   1,223,014 52,021 SH   SOLE   52,021 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   1,223,008 55,165 SH   SOLE   55,165 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   1,196,171 56,370 SH   SOLE   56,370 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   1,439,786 56,001 SH   SOLE   56,001 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   1,367,282 51,791 SH   SOLE   51,791 0 0
ISHARES IBONDS DEC 2034 TM COR OTHER 46438G653   75,856 2,840 SH   SOLE   2,840 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   218,507 9,382 SH   SOLE   9,382 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   2,682,785 115,141 SH   SOLE   115,141 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   29,490 560 SH   SOLE   560 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   1,610,759 14,733 SH   SOLE   14,733 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   32,177 328 SH   SOLE   328 0 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   697,580 6,928 SH   SOLE   6,928 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   393,367 4,953 SH   SOLE   4,953 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   25,913 345 SH   SOLE   345 0 0
ABBOTT LABS COMMON STOCK 002824100   1,482,130 13,000 SH   DFND 3 13,000 0 0
ADOBE INC COMMON STOCK 00724F101   2,278,232 4,400 SH   DFND 3 4,400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   803,898 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   5,058,425 30,500 SH   DFND 3 30,500 0 0
AMAZON.COM INC COMMON STOCK 023135106   5,217,240 28,000 SH   DFND 3 28,000 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   438,720 3,000 SH   DFND 3 3,000 0 0
AMGEN INC COMMON STOCK 031162100   1,514,387 4,700 SH   DFND 3 4,700 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   1,694,160 26,000 SH   DFND 3 26,000 0 0
APPLE INC COMMON STOCK 037833100   9,786,000 42,000 SH   DFND 3 42,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,202,240 55,500 SH   DFND 3 55,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,347,326 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,088,922 2,200 SH   DFND 3 2,200 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   1,018,164 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,464,056 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   971,982 6,600 SH   DFND 3 6,600 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,241,128 1,400 SH   DFND 3 1,400 0 0
DANAHER CORP COMMON STOCK 235851102   1,056,476 3,800 SH   DFND 3 3,800 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   605,997 6,300 SH   DFND 3 6,300 0 0
ECOLAB INC COMMON STOCK 278865100   382,995 1,500 SH   DFND 3 1,500 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   961,204 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,287,286 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,160,560 7,800 SH   DFND 3 7,800 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,860,390 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,403,688 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   1,823,264 11,350 SH   DFND 3 11,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,539,570 9,500 SH   DFND 3 9,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,635,750 12,500 SH   DFND 3 12,500 0 0
LENNAR CORP CL A COMMON STOCK 526057104   618,684 3,300 SH   DFND 3 3,300 0 0
LILLY ELI & CO COMMON STOCK 532457108   3,012,196 3,400 SH   DFND 3 3,400 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,442,400 20,000 SH   DFND 3 20,000 0 0
MASCO CORP COMMON STOCK 574599106   2,308,350 27,500 SH   DFND 3 27,500 0 0
MCDONALDS CORP COMMON STOCK 580135101   791,726 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   3,148,420 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   9,251,450 21,500 SH   DFND 3 21,500 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,177,912 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,205,759 1,700 SH   DFND 3 1,700 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   464,915 5,500 SH   DFND 3 5,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   9,350,880 77,000 SH   DFND 3 77,000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,874,400 11,000 SH   DFND 3 11,000 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   546,880 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC COMMON STOCK 713448108   1,190,350 7,000 SH   DFND 3 7,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,100,050 12,125 SH   DFND 3 12,125 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,709,729 9,900 SH   DFND 3 9,900 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   820,591 2,150 SH   DFND 3 2,150 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   825,147 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,553,418 4,300 SH   DFND 3 4,300 0 0
SYSCO CORP COMMON STOCK 871829107   585,450 7,500 SH   DFND 3 7,500 0 0
TERADYNE INC COMMON STOCK 880770102   669,650 5,000 SH   DFND 3 5,000 0 0
TESLA INC COMMON STOCK 88160R101   1,098,846 4,200 SH   DFND 3 4,200 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   498,628 2,600 SH   DFND 3 2,600 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   1,917,567 3,100 SH   DFND 3 3,100 0 0
TJX COS INC COMMON STOCK 872540109   1,245,924 10,600 SH   DFND 3 10,600 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   1,870,976 3,200 SH   DFND 3 3,200 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,023,176 2,200 SH   DFND 3 2,200 0 0
VISA INC CL A COMMON STOCK 92826C839   1,567,215 5,700 SH   DFND 3 5,700 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   275,473 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   2,277,150 28,200 SH   DFND 3 28,200 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,660,800 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,570,360 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   546,516 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,990,509 12,300 SH   DFND 3 12,300 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   691,353 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   191,800 2,000 SH   DFND 3 2,000 0 0