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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T Inc Com 00206R102 2,025 69,455 SH   SOLE 0 68,055 0 1,400
AT&T Inc Com 00206R102 1,245 42,705 SH   OTR 0 37,042 400 5,263
Abbott Labs Com 002824100 4,997 63,319 SH   SOLE 0 62,819 0 500
Abbott Labs Com 002824100 1,786 22,634 SH   OTR 0 20,715 621 1,298
Abbvie Inc Com 00287Y109 2,050 26,911 SH   SOLE 0 26,711 0 200
Abbvie Inc Com 00287Y109 1,481 19,442 SH   OTR 0 15,927 295 3,220
Activision Blizzard, Inc Com 00507V109 604 10,157 SH   SOLE 0 10,157 0 0
Activision Blizzard, Inc Com 00507V109 406 6,825 SH   OTR 0 6,825 0 0
Air Products & Chemicals Inc Com 009158106 1,278 6,401 SH   SOLE 0 6,401 0 0
Air Products & Chemicals Inc Com 009158106 429 2,150 SH   OTR 0 2,150 0 0
Alphabet Inc Cl C Com 02079K107 2,797 2,405 SH   SOLE 0 2,350 0 55
Alphabet Inc Cl C Com 02079K107 2,564 2,205 SH   OTR 0 2,075 0 130
Alphabet Inc Cl A Com 02079K305 2,352 2,024 SH   SOLE 0 2,004 0 20
Alphabet Inc Cl A Com 02079K305 572 492 SH   OTR 0 377 0 115
Altria Group Inc Com 02209S103 463 11,969 SH   SOLE 0 11,194 0 775
Altria Group Inc Com 02209S103 1,363 35,242 SH   OTR 0 34,342 200 700
Amazon.Com Inc Com 023135106 1,234 633 SH   SOLE 0 633 0 0
Amazon.Com Inc Com 023135106 583 299 SH   OTR 0 239 0 60
American Express CO Com 025816109 502 5,862 SH   SOLE 0 5,862 0 0
American Express CO Com 025816109 287 3,351 SH   OTR 0 1,365 0 1,986
American Tower Corp REIT Com 03027X100 116 534 SH   SOLE 0 534 0 0
American Tower Corp REIT Com 03027X100 139 640 SH   OTR 0 640 0 0
American Water Works CO Inc Com 030420103 1,336 11,174 SH   SOLE 0 11,174 0 0
American Water Works CO Inc Com 030420103 943 7,885 SH   OTR 0 6,355 100 1,430
Amgen Inc Com 031162100 535 2,638 SH   SOLE 0 2,638 0 0
Amgen Inc Com 031162100 357 1,760 SH   OTR 0 1,760 0 0
Apache Corp Com 037411105 46 11,098 SH   SOLE 0 11,098 0 0
Apache Corp Com 037411105 15 3,580 SH   OTR 0 2,880 100 600
Apple Inc Com 037833100 11,921 46,878 SH   SOLE 0 43,683 105 3,090
Apple Inc Com 037833100 6,424 25,263 SH   OTR 0 21,478 790 2,995
Arrow Finl Corp Com 042744102 461 16,536 SH   SOLE 0 9,048 0 7,488
Arrow Finl Corp Com 042744102 100 3,581 SH   OTR 0 3,581 0 0
Autoliv Inc Com 052800109 490 10,642 SH   SOLE 0 9,892 0 750
Autoliv Inc Com 052800109 567 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 3,389 24,798 SH   SOLE 0 24,518 0 280
Automatic Data Processing Inc Com 053015103 982 7,183 SH   OTR 0 6,563 140 480
BP PLC Spons ADR Com 055622104 83 3,414 SH   SOLE 0 3,414 0 0
BP PLC Spons ADR Com 055622104 207 8,480 SH   OTR 0 8,280 0 200
Bank of America Corp Com 060505104 521 24,563 SH   SOLE 0 24,563 0 0
Bank of America Corp Com 060505104 220 10,375 SH   OTR 0 10,375 0 0
Bank of New York Mellon Corp Com 064058100 366 10,859 SH   SOLE 0 10,859 0 0
Bank of New York Mellon Corp Com 064058100 28 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 648 7,984 SH   SOLE 0 7,984 0 0
Baxter Intl Inc Com 071813109 332 4,085 SH   OTR 0 2,525 100 1,460
Becton Dickinson Com 075887109 384 1,672 SH   SOLE 0 1,672 0 0
Becton Dickinson Com 075887109 243 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,078 11,366 SH   SOLE 0 11,136 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,644 8,993 SH   OTR 0 8,973 20 0
Best Buy Company Inc Com 086516101 265 4,643 SH   SOLE 0 4,643 0 0
Best Buy Company Inc Com 086516101 23 395 SH   OTR 0 395 0 0
Biogen Inc Com 09062X103 91 289 SH   SOLE 0 289 0 0
Biogen Inc Com 09062X103 152 480 SH   OTR 0 480 0 0
Blackrock Inc Cl A Com 09247X101 26 59 SH   SOLE 0 59 0 0
Blackrock Inc Cl A Com 09247X101 211 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 795 5,329 SH   SOLE 0 5,094 0 235
Boeing CO Com 097023105 1,255 8,416 SH   OTR 0 7,716 150 550
Bristol Myers Squibb CO Com 110122108 3,823 68,594 SH   SOLE 0 65,749 725 2,120
Bristol Myers Squibb CO Com 110122108 2,199 39,445 SH   OTR 0 33,565 480 5,400
Cigna Corp Com 125523100 184 1,038 SH   SOLE 0 1,001 0 37
Cigna Corp Com 125523100 22 126 SH   OTR 0 126 0 0
Csx Corp Com 126408103 174 3,031 SH   SOLE 0 3,031 0 0
Csx Corp Com 126408103 124 2,160 SH   OTR 0 2,160 0 0
CVS Health Corp Com 126650100 2,044 34,451 SH   SOLE 0 33,811 0 640
CVS Health Corp Com 126650100 906 15,268 SH   OTR 0 13,353 340 1,575
Caterpillar Inc Com 149123101 1,583 13,643 SH   SOLE 0 13,643 0 0
Caterpillar Inc Com 149123101 1,193 10,280 SH   OTR 0 9,935 45 300
Chevron Corporation Com 166764100 3,444 47,536 SH   SOLE 0 46,146 375 1,015
Chevron Corporation Com 166764100 2,569 35,452 SH   OTR 0 33,624 485 1,343
Cisco Systems Inc Com 17275R102 2,785 70,857 SH   SOLE 0 68,102 0 2,755
Cisco Systems Inc Com 17275R102 1,940 49,351 SH   OTR 0 48,151 595 605
Citigroup Inc Com 172967424 484 11,489 SH   SOLE 0 11,489 0 0
Citigroup Inc Com 172967424 306 7,270 SH   OTR 0 6,370 150 750
Clorox Company Com 189054109 979 5,652 SH   SOLE 0 5,652 0 0
Clorox Company Com 189054109 547 3,160 SH   OTR 0 2,675 0 485
Coca Cola CO Com 191216100 2,111 47,702 SH   SOLE 0 42,342 960 4,400
Coca Cola CO Com 191216100 1,248 28,205 SH   OTR 0 22,940 150 5,115
Colgate Palmolive CO Com 194162103 1,078 16,247 SH   SOLE 0 14,417 430 1,400
Colgate Palmolive CO Com 194162103 913 13,760 SH   OTR 0 10,060 0 3,700
ComCast Corp-Cl A Com 20030N101 890 25,884 SH   SOLE 0 24,102 0 1,782
ComCast Corp-Cl A Com 20030N101 346 10,059 SH   OTR 0 7,836 650 1,573
Conocophillips Com 20825C104 294 9,551 SH   SOLE 0 9,451 100 0
Conocophillips Com 20825C104 87 2,837 SH   OTR 0 2,587 100 150
Corning Inc Com 219350105 310 15,101 SH   SOLE 0 15,101 0 0
Corning Inc Com 219350105 336 16,350 SH   OTR 0 13,600 900 1,850
Corteva Inc Com Com 22052L104 77 3,279 SH   SOLE 0 3,188 0 91
Corteva Inc Com Com 22052L104 224 9,530 SH   OTR 0 9,020 0 510
Costco Wholesale Corp Com 22160K105 515 1,806 SH   SOLE 0 1,806 0 0
Costco Wholesale Corp Com 22160K105 348 1,219 SH   OTR 0 579 0 640
Danaher Corp Com 235851102 3,211 23,196 SH   SOLE 0 21,366 0 1,830
Danaher Corp Com 235851102 1,746 12,618 SH   OTR 0 10,918 140 1,560
Deere & CO Com 244199105 1,337 9,676 SH   SOLE 0 9,486 25 165
Deere & CO Com 244199105 1,679 12,154 SH   OTR 0 12,084 70 0
Digital Realty Trust Inc REIT Com 253868103 127 917 SH   SOLE 0 917 0 0
Digital Realty Trust Inc REIT Com 253868103 166 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 3,576 37,023 SH   SOLE 0 36,238 0 785
Disney Walt CO New Com 254687106 2,135 22,104 SH   OTR 0 20,739 570 795
Dominion Resources Inc Com 25746U109 1,143 15,829 SH   SOLE 0 15,519 0 310
Dominion Resources Inc Com 25746U109 731 10,125 SH   OTR 0 7,595 80 2,450
Dow Inc Com Com 260557103 391 13,380 SH   SOLE 0 13,289 0 91
Dow Inc Com Com 260557103 420 14,379 SH   OTR 0 13,123 16 1,240
Duke Energy Corp Com 26441C204 242 2,988 SH   SOLE 0 2,688 300 0
Duke Energy Corp Com 26441C204 151 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 498 14,609 SH   SOLE 0 14,518 0 91
Dupont De Nemours Inc Com 26614N102 521 15,266 SH   OTR 0 14,123 16 1,127
Ecolab Inc Com 278865100 1,283 8,232 SH   SOLE 0 8,232 0 0
Ecolab Inc Com 278865100 425 2,730 SH   OTR 0 2,090 40 600
Emerson Elec CO Com 291011104 603 12,645 SH   SOLE 0 12,645 0 0
Emerson Elec CO Com 291011104 279 5,856 SH   OTR 0 5,756 100 0
Exelon Corp Com 30161N101 156 4,248 SH   SOLE 0 4,248 0 0
Exelon Corp Com 30161N101 124 3,365 SH   OTR 0 3,015 0 350
Exxonmobil Corp Com 30231G102 3,619 95,313 SH   SOLE 0 91,073 820 3,420
Exxonmobil Corp Com 30231G102 2,973 78,286 SH   OTR 0 74,941 635 2,710
Facebook Inc-A Com 30303M102 879 5,272 SH   SOLE 0 5,272 0 0
Facebook Inc-A Com 30303M102 725 4,349 SH   OTR 0 4,349 0 0
Fiserv Inc Com 337738108 663 6,976 SH   SOLE 0 6,976 0 0
Fiserv Inc Com 337738108 121 1,274 SH   OTR 0 1,274 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 28,251 1,253,925 SH   SOLE 0 1,246,219 0 7,706
FlexShares Mstar Glbl Upstrm N Com 33939L407 2,859 126,884 SH   OTR 0 120,202 340 6,342
FlexShares Global Quality Real Com 33939L787 909 19,193 SH   SOLE 0 19,193 0 0
FlexShares Global Quality Real Com 33939L787 1 30 SH   OTR 0 30 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 3,433 79,438 SH   SOLE 0 79,438 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 225 5,200 SH   OTR 0 4,495 0 705
FlexShares International Quali Com 33939L837 489 27,595 SH   SOLE 0 27,595 0 0
FlexShares International Quali Com 33939L837 65 3,655 SH   OTR 0 3,655 0 0
Fortive Corp Com 34959J108 310 5,616 SH   SOLE 0 5,006 0 610
Fortive Corp Com 34959J108 123 2,229 SH   OTR 0 1,385 50 794
General Dynamics Corp Com 369550108 728 5,501 SH   SOLE 0 5,351 0 150
General Dynamics Corp Com 369550108 156 1,180 SH   OTR 0 1,080 0 100
General Electric Corp Com 369604103 322 40,525 SH   SOLE 0 40,525 0 0
General Electric Corp Com 369604103 221 27,820 SH   OTR 0 26,795 0 1,025
General Mls Inc Com 370334104 591 11,205 SH   SOLE 0 11,205 0 0
General Mls Inc Com 370334104 431 8,170 SH   OTR 0 6,375 100 1,695
Gilead Sciences Inc Com 375558103 355 4,751 SH   SOLE 0 4,751 0 0
Gilead Sciences Inc Com 375558103 285 3,815 SH   OTR 0 1,315 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 281 7,426 SH   SOLE 0 7,426 0 0
Glaxo Smithkline Spons ADR Com 37733W105 197 5,212 SH   OTR 0 4,207 255 750
Goldman Sachs Group Inc Com 38141G104 621 4,014 SH   SOLE 0 3,994 20 0
Goldman Sachs Group Inc Com 38141G104 589 3,810 SH   OTR 0 3,810 0 0
Grainger W W Inc Com 384802104 957 3,850 SH   SOLE 0 3,850 0 0
Grainger W W Inc Com 384802104 600 2,415 SH   OTR 0 1,445 100 870
Home Depot Inc Com 437076102 636 3,408 SH   SOLE 0 3,408 0 0
Home Depot Inc Com 437076102 1,185 6,345 SH   OTR 0 4,945 150 1,250
Honeywell International Inc Com 438516106 2,432 18,175 SH   SOLE 0 17,310 0 865
Honeywell International Inc Com 438516106 1,105 8,256 SH   OTR 0 5,515 300 2,441
Illinois Tool Wks Inc Com 452308109 281 1,976 SH   SOLE 0 1,976 0 0
Illinois Tool Wks Inc Com 452308109 64 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 6,148 113,603 SH   SOLE 0 110,903 1,200 1,500
Intel Corp Com 458140100 2,389 44,149 SH   OTR 0 41,049 1,250 1,850
Intercontinental Exchange Inc Com 45866F104 560 6,935 SH   SOLE 0 6,935 0 0
Intercontinental Exchange Inc Com 45866F104 79 975 SH   OTR 0 775 0 200
Intl. Business Machines Corp Com 459200101 1,398 12,599 SH   SOLE 0 11,209 435 955
Intl. Business Machines Corp Com 459200101 1,494 13,471 SH   OTR 0 11,888 0 1,583
Invesco Tr II Senior Loan ETF Com 46138G508 89 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 161 7,875 SH   OTR 0 7,875 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 346 2,937 SH   SOLE 0 2,937 0 0
Ishares Core Total U.S. Aggreg Com 464287226 239 2,071 SH   SOLE 0 2,071 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 2,455 71,917 SH   SOLE 0 71,091 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 585 17,144 SH   OTR 0 16,064 355 725
Ishares Msci Eafe ETF Com 464287465 2,470 46,199 SH   SOLE 0 46,199 0 0
Ishares Msci Eafe ETF Com 464287465 655 12,259 SH   OTR 0 11,649 285 325
Ishares Russell Mid Cap ETF Com 464287499 203 4,695 SH   SOLE 0 4,695 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,215 8,449 SH   SOLE 0 8,449 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 297 2,066 SH   OTR 0 1,866 0 200
Ishares Nasdaq Biotech ETF Com 464287556 2,506 23,259 SH   SOLE 0 22,671 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,595 14,807 SH   OTR 0 12,617 615 1,575
Ishares S&P Midcap 400/Grwth E Com 464287606 159 890 SH   SOLE 0 890 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 97 545 SH   OTR 0 545 0 0
Ishares Russell 2000 ETF Com 464287655 3,523 30,776 SH   SOLE 0 30,074 0 702
Ishares Russell 2000 ETF Com 464287655 385 3,363 SH   OTR 0 3,143 185 35
Ishares DJ US Telcom Sector ET Com 464287713 657 26,433 SH   SOLE 0 26,433 0 0
Ishares DJ US Telcom Sector ET Com 464287713 487 19,615 SH   OTR 0 19,415 200 0
Ishares Msci Eafe Small Cap ET Com 464288273 2,599 57,980 SH   SOLE 0 57,980 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 356 7,940 SH   OTR 0 7,940 0 0
Ishares New York Muni Bond ETF Com 464288323 884 15,642 SH   SOLE 0 15,642 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,306 16,945 SH   SOLE 0 16,945 0 0
Ishares IBoxx High Yield Corpo Com 464288513 6 80 SH   OTR 0 80 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 234 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,034 63,878 SH   SOLE 0 63,878 0 0
Ishares S&P Pref Stk ETF Com 464288687 510 16,027 SH   OTR 0 12,047 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 15,221 214,045 SH   SOLE 0 211,721 0 2,324
Ishares MSCI EAFE Growth ETF Com 464288885 968 13,611 SH   OTR 0 13,600 11 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 213 3,855 SH   SOLE 0 3,855 0 0
iShares Core High Dividend ETF Com 46429B663 238 3,331 SH   SOLE 0 3,331 0 0
iShares Edge MSCI USA Quality Com 46432F339 224 2,758 SH   SOLE 0 2,758 0 0
Ishares Core Msci Eafe ETF Com 46432F842 448 8,978 SH   SOLE 0 8,978 0 0
Ishares Core Emerging Markets Com 46434G103 2,138 52,838 SH   SOLE 0 52,838 0 0
Ishares Core Emerging Markets Com 46434G103 542 13,385 SH   OTR 0 11,785 0 1,600
JP Morgan Chase & CO Com 46625H100 6,336 70,376 SH   SOLE 0 69,289 112 975
JP Morgan Chase & CO Com 46625H100 4,601 51,100 SH   OTR 0 43,900 640 6,560
Jacobs Engineering Group Inc Com 469814107 71 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 236 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 8,295 63,259 SH   SOLE 0 59,366 150 3,743
Johnson & Johnson Com 478160104 4,023 30,681 SH   OTR 0 26,666 310 3,705
Keycorp Com 493267108 29 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 148 14,300 SH   OTR 0 14,300 0 0
Kimberly Clark Corp Com 494368103 504 3,938 SH   SOLE 0 3,938 0 0
Kimberly Clark Corp Com 494368103 125 975 SH   OTR 0 975 0 0
Kraft Heinz CO Com 500754106 53 2,144 SH   SOLE 0 2,144 0 0
Kraft Heinz CO Com 500754106 176 7,127 SH   OTR 0 7,081 46 0
Lilly Eli & CO Com 532457108 286 2,059 SH   SOLE 0 1,531 0 528
Lilly Eli & CO Com 532457108 865 6,235 SH   OTR 0 5,210 0 1,025
Lockheed Martin Corp Com 539830109 2,701 7,968 SH   SOLE 0 7,453 0 515
Lockheed Martin Corp Com 539830109 730 2,154 SH   OTR 0 2,154 0 0
Lowes Cos Inc Com 548661107 4,282 49,758 SH   SOLE 0 49,358 25 375
Lowes Cos Inc Com 548661107 2,298 26,707 SH   OTR 0 25,372 335 1,000
Mastercard Inc Cl A Com 57636Q104 150 621 SH   SOLE 0 621 0 0
Mastercard Inc Cl A Com 57636Q104 158 655 SH   OTR 0 655 0 0
McDonalds Corp Com 580135101 5,544 33,531 SH   SOLE 0 33,426 75 30
McDonalds Corp Com 580135101 3,223 19,491 SH   OTR 0 18,576 240 675
Merck & CO Inc Com 58933Y105 3,231 41,988 SH   SOLE 0 40,513 675 800
Merck & CO Inc Com 58933Y105 1,707 22,187 SH   OTR 0 21,197 165 825
Metlife Inc Com 59156R108 277 9,062 SH   SOLE 0 9,062 0 0
Metlife Inc Com 59156R108 77 2,525 SH   OTR 0 2,114 111 300
Microsoft Corp Com 594918104 12,807 81,207 SH   SOLE 0 78,792 225 2,190
Microsoft Corp Com 594918104 7,289 46,219 SH   OTR 0 43,163 695 2,361
Microchip Technology Inc Com 595017104 1,261 18,592 SH   SOLE 0 18,592 0 0
Microchip Technology Inc Com 595017104 375 5,533 SH   OTR 0 4,608 150 775
Mondelez International Inc Com 609207105 472 9,426 SH   SOLE 0 9,012 0 414
Mondelez International Inc Com 609207105 895 17,875 SH   OTR 0 17,737 138 0
NBT Bancorp Inc Com 628778102 6,637 204,913 SH   SOLE 0 128,572 0 76,341
NBT Bancorp Inc Com 628778102 757 23,356 SH   OTR 0 20,090 0 3,266
Netflix Inc Com 64110L106 273 727 SH   SOLE 0 727 0 0
Nextera Energy Inc Com 65339F101 2,027 8,426 SH   SOLE 0 7,976 0 450
Nextera Energy Inc Com 65339F101 1,851 7,692 SH   OTR 0 4,787 30 2,875
Nike Inc-Class B Com 654106103 1,900 22,965 SH   SOLE 0 22,965 0 0
Nike Inc-Class B Com 654106103 687 8,304 SH   OTR 0 8,304 0 0
Norfolk Southern Corp Com 655844108 766 5,247 SH   SOLE 0 5,247 0 0
Norfolk Southern Corp Com 655844108 1,051 7,200 SH   OTR 0 4,705 70 2,425
Novartis Ag Spons ADR Com 66987V109 1,411 17,115 SH   SOLE 0 17,115 0 0
Novartis Ag Spons ADR Com 66987V109 821 9,952 SH   OTR 0 9,552 150 250
Nucor Corp Com 670346105 306 8,485 SH   SOLE 0 8,485 0 0
Nucor Corp Com 670346105 198 5,500 SH   OTR 0 4,050 0 1,450
Nvidia Corp Com 67066G104 188 715 SH   SOLE 0 715 0 0
Nvidia Corp Com 67066G104 108 410 SH   OTR 0 410 0 0
Oracle Corporation Com 68389X105 1,881 38,911 SH   SOLE 0 37,411 0 1,500
Oracle Corporation Com 68389X105 512 10,590 SH   OTR 0 8,090 0 2,500
Paypal Holdings Inc Com 70450Y103 136 1,422 SH   SOLE 0 1,422 0 0
Paypal Holdings Inc Com 70450Y103 352 3,680 SH   OTR 0 1,430 0 2,250
Pepsico Inc Com 713448108 5,743 47,822 SH   SOLE 0 47,422 100 300
Pepsico Inc Com 713448108 2,655 22,103 SH   OTR 0 20,948 345 810
Pfizer Inc Com 717081103 3,513 107,636 SH   SOLE 0 104,536 0 3,100
Pfizer Inc Com 717081103 2,385 73,056 SH   OTR 0 67,977 1,740 3,339
Philip Morris International Com 718172109 657 9,002 SH   SOLE 0 8,327 0 675
Philip Morris International Com 718172109 2,076 28,452 SH   OTR 0 28,302 150 0
T Rowe Price Group Inc Com 74144T108 2,654 27,178 SH   SOLE 0 27,128 50 0
T Rowe Price Group Inc Com 74144T108 1,516 15,528 SH   OTR 0 14,933 295 300
Procter & Gamble CO Com 742718109 7,722 70,199 SH   SOLE 0 66,034 450 3,715
Procter & Gamble CO Com 742718109 4,199 38,173 SH   OTR 0 33,183 380 4,610
Prudential Finl Inc Com 744320102 808 15,500 SH   SOLE 0 15,450 50 0
Prudential Finl Inc Com 744320102 650 12,457 SH   OTR 0 12,107 150 200
Public Service Enterprise Grou Com 744573106 96 2,141 SH   SOLE 0 2,141 0 0
Public Service Enterprise Grou Com 744573106 141 3,150 SH   OTR 0 3,150 0 0
Qualcomm Inc Com 747525103 1,811 26,766 SH   SOLE 0 26,341 0 425
Qualcomm Inc Com 747525103 1,009 14,919 SH   OTR 0 14,194 225 500
Quanta Services Incorporated Com 74762E102 214 6,750 SH   OTR 0 2,100 0 4,650
S&P Global Inc Com 78409V104 3 14 SH   SOLE 0 14 0 0
S&P Global Inc Com 78409V104 490 2,000 SH   OTR 0 0 0 2,000
SPDR S&P 500 ETF Trust Com 78462F103 3,150 12,222 SH   SOLE 0 11,853 0 369
SPDR S&P 500 ETF Trust Com 78462F103 492 1,910 SH   OTR 0 1,550 160 200
SPDR Gold Trust Com 78463V107 254 1,716 SH   SOLE 0 1,716 0 0
SPDR Gold Trust Com 78463V107 7 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 255 8,974 SH   SOLE 0 8,974 0 0
SPDR Portfolio Emerging Market Com 78463X509 17 610 SH   OTR 0 610 0 0
SPDR Portfolio Developed Wld e Com 78463X889 5,173 216,069 SH   SOLE 0 216,069 0 0
SPDR Portfolio Developed Wld e Com 78463X889 945 39,490 SH   OTR 0 39,490 0 0
SPDR S&P Sm Cap Value ETF Com 78464A300 299 7,315 SH   SOLE 0 7,315 0 0
SPDR Portfolio Intermediate Te Com 78464A375 674 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,212 37,184 SH   SOLE 0 37,184 0 0
SPDR S&P Regional Banking ETF Com 78464A698 709 21,762 SH   OTR 0 21,562 100 100
SPDR S&P Dividend ETF Com 78464A763 7,450 93,283 SH   SOLE 0 93,283 0 0
SPDR S&P Dividend ETF Com 78464A763 627 7,850 SH   OTR 0 7,450 0 400
SPDR Dow Jones Industrial Aver Com 78467X109 841 3,834 SH   SOLE 0 3,834 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 186 850 SH   OTR 0 750 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 4,951 18,835 SH   SOLE 0 18,459 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 634 2,411 SH   OTR 0 2,281 75 55
Salesforce.Com Com 79466L302 1,032 7,167 SH   SOLE 0 7,147 20 0
Salesforce.Com Com 79466L302 536 3,720 SH   OTR 0 3,720 0 0
Schlumberger Ltd Com 806857108 425 31,516 SH   SOLE 0 30,826 0 690
Schlumberger Ltd Com 806857108 248 18,385 SH   OTR 0 16,525 160 1,700
Charles Schwab Corp Com 808513105 153 4,537 SH   SOLE 0 4,537 0 0
Charles Schwab Corp Com 808513105 130 3,875 SH   OTR 0 3,875 0 0
Schwab US Small Cap ETF Com 808524607 319 6,190 SH   SOLE 0 6,190 0 0
Schwab Fundamental Intl Lg Co Com 808524755 265 12,599 SH   SOLE 0 12,599 0 0
Schwab US Dividend Equity ETF Com 808524797 3,971 88,287 SH   SOLE 0 86,166 0 2,121
Schwab US Dividend Equity ETF Com 808524797 584 12,980 SH   OTR 0 12,980 0 0
Schwab International Equity ET Com 808524805 198 7,675 SH   SOLE 0 7,675 0 0
Schwab International Equity ET Com 808524805 278 10,774 SH   OTR 0 10,774 0 0
Schwab US Aggregate Bd ETF Com 808524839 207 3,815 SH   SOLE 0 3,815 0 0
Schwab US Aggregate Bd ETF Com 808524839 894 16,470 SH   OTR 0 16,470 0 0
Materials Select SPDR Fund Com 81369Y100 954 21,181 SH   SOLE 0 19,301 0 1,880
Materials Select SPDR Fund Com 81369Y100 411 9,131 SH   OTR 0 8,301 375 455
Health Care Select Sector SPDR Com 81369Y209 863 9,739 SH   SOLE 0 9,739 0 0
Health Care Select Sector SPDR Com 81369Y209 43 491 SH   OTR 0 491 0 0
Consumer Staples Select Sector Com 81369Y308 492 9,025 SH   SOLE 0 8,640 0 385
Consumer Staples Select Sector Com 81369Y308 70 1,277 SH   OTR 0 987 100 190
Consumer Discretionary Selt Com 81369Y407 1,104 11,254 SH   SOLE 0 10,054 0 1,200
Consumer Discretionary Selt Com 81369Y407 127 1,295 SH   OTR 0 770 390 135
Energy Select Sector SPDR Com 81369Y506 348 11,980 SH   SOLE 0 11,605 0 375
Energy Select Sector SPDR Com 81369Y506 29 993 SH   OTR 0 760 80 153
Financial Select Sector SPDR Com 81369Y605 664 31,909 SH   SOLE 0 30,409 0 1,500
Financial Select Sector SPDR Com 81369Y605 18 860 SH   OTR 0 660 200 0
Industrial Select Sector SPDR Com 81369Y704 770 13,041 SH   SOLE 0 13,041 0 0
Industrial Select Sector SPDR Com 81369Y704 83 1,400 SH   OTR 0 1,300 0 100
Technology Select Sect SPDR Com 81369Y803 1,888 23,489 SH   SOLE 0 23,252 162 75
Technology Select Sect SPDR Com 81369Y803 216 2,687 SH   OTR 0 2,537 150 0
Real Estate Select Sect SPDR Com 81369Y860 853 27,523 SH   SOLE 0 26,001 105 1,417
Real Estate Select Sect SPDR Com 81369Y860 1,095 35,333 SH   OTR 0 35,162 46 125
Utilities Select Sector SPDR Com 81369Y886 1,500 27,067 SH   SOLE 0 26,017 0 1,050
Utilities Select Sector SPDR Com 81369Y886 808 14,588 SH   OTR 0 13,601 475 512
Southern Company Com 842587107 1,022 18,880 SH   SOLE 0 18,880 0 0
Southern Company Com 842587107 752 13,889 SH   OTR 0 13,764 0 125
Starbucks Corp Com 855244109 96 1,461 SH   SOLE 0 1,461 0 0
Starbucks Corp Com 855244109 326 4,960 SH   OTR 0 4,960 0 0
Stericycle Inc Com 858912108 156 3,205 SH   SOLE 0 3,205 0 0
Stericycle Inc Com 858912108 77 1,575 SH   OTR 0 725 0 850
Stryker Corporation Com 863667101 302 1,814 SH   SOLE 0 1,814 0 0
Sysco Corp Com 871829107 334 7,330 SH   SOLE 0 7,330 0 0
Sysco Corp Com 871829107 311 6,824 SH   OTR 0 6,399 0 425
TJX Cos Inc Com 872540109 1,679 35,117 SH   SOLE 0 33,817 300 1,000
TJX Cos Inc Com 872540109 1,736 36,300 SH   OTR 0 31,756 340 4,204
Target Corp Com 87612E106 2,120 22,807 SH   SOLE 0 22,532 0 275
Target Corp Com 87612E106 1,354 14,562 SH   OTR 0 11,722 175 2,665
Thermo Fisher Scientific Inc Com 883556102 5 18 SH   SOLE 0 18 0 0
Thermo Fisher Scientific Inc Com 883556102 369 1,300 SH   OTR 0 0 0 1,300
3m CO Com 88579Y101 1,398 10,241 SH   SOLE 0 9,281 340 620
3m CO Com 88579Y101 189 1,385 SH   OTR 0 1,350 35 0
US Bancorp New Com 902973304 685 19,887 SH   SOLE 0 19,887 0 0
US Bancorp New Com 902973304 288 8,365 SH   OTR 0 5,179 470 2,716
Union Pac Corp Com 907818108 2,984 21,160 SH   SOLE 0 20,510 0 650
Union Pac Corp Com 907818108 2,505 17,760 SH   OTR 0 15,878 0 1,882
United Parcel Service Cl B Com 911312106 402 4,302 SH   SOLE 0 4,302 0 0
United Parcel Service Cl B Com 911312106 183 1,964 SH   OTR 0 1,964 0 0
United Technologies Corp Com 913017109 3,585 38,009 SH   SOLE 0 37,329 100 580
United Technologies Corp Com 913017109 2,669 28,298 SH   OTR 0 24,457 1,186 2,655
Unitedhealth Group Inc Com 91324P102 2,360 9,465 SH   SOLE 0 9,265 0 200
Unitedhealth Group Inc Com 91324P102 1,277 5,122 SH   OTR 0 4,167 130 825
Univest Corp of Pennsylvania Com 915271100 193 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 685 13,342 SH   SOLE 0 12,692 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 589 11,468 SH   OTR 0 11,243 125 100
Vanguard Intermediate-Term Bon Com 921937819 357 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 33 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 455 5,326 SH   SOLE 0 5,326 0 0
Vanguard FTSE Developed Market Com 921943858 172 5,158 SH   SOLE 0 5,158 0 0
Vanguard FTSE Developed Market Com 921943858 123 3,680 SH   OTR 0 3,680 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,040 31,008 SH   SOLE 0 31,008 0 0
Vanguard Ftse Emerging Markets Com 922042858 344 10,243 SH   OTR 0 9,743 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,233 14,156 SH   SOLE 0 14,156 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,252 14,375 SH   OTR 0 14,375 0 0
Vanguard S&P 500 ETF Com 922908363 8,954 37,810 SH   SOLE 0 37,623 0 187
Vanguard Real Estate ETF Com 922908553 1,236 17,689 SH   SOLE 0 17,689 0 0
Vanguard Real Estate ETF Com 922908553 437 6,254 SH   OTR 0 5,840 239 175
Veoneer Incorporated Com Com 92336X109 78 10,712 SH   SOLE 0 9,962 0 750
Veoneer Incorporated Com Com 92336X109 91 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,296 61,336 SH   SOLE 0 59,549 860 927
Verizon Communications Com 92343V104 2,262 42,094 SH   OTR 0 36,708 460 4,926
Visa Inc Cl A Com 92826C839 1,255 7,790 SH   SOLE 0 7,790 0 0
Visa Inc Cl A Com 92826C839 1,038 6,440 SH   OTR 0 5,240 100 1,100
Wal Mart Inc Com 931142103 1,641 14,447 SH   SOLE 0 14,047 0 400
Wal Mart Inc Com 931142103 1,294 11,389 SH   OTR 0 9,973 350 1,066
Walgreens Boots Alliance Inc Com 931427108 221 4,839 SH   SOLE 0 4,839 0 0
Walgreens Boots Alliance Inc Com 931427108 62 1,345 SH   OTR 0 745 0 600
Wells Fargo & CO Com 949746101 1,265 44,071 SH   SOLE 0 43,671 0 400
Wells Fargo & CO Com 949746101 555 19,338 SH   OTR 0 16,108 930 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 1,881 77,866 SH   SOLE 0 76,948 0 918
WisdomTree MidCap Dividend ETF Com 97717W505 512 21,203 SH   OTR 0 16,303 0 4,900
WisdomTree SmallCap Dividend E Com 97717W604 860 47,742 SH   SOLE 0 47,555 0 187
WisdomTree SmallCap Dividend E Com 97717W604 231 12,822 SH   OTR 0 11,987 0 835
Xcel Energy Inc Com 98389B100 186 3,086 SH   SOLE 0 3,086 0 0
Xcel Energy Inc Com 98389B100 197 3,275 SH   OTR 0 775 0 2,500
Xylem Inc Com 98419M100 289 4,435 SH   SOLE 0 4,435 0 0
Xylem Inc Com 98419M100 140 2,150 SH   OTR 0 2,150 0 0
Yum! Brands Inc Com 988498101 308 4,488 SH   SOLE 0 4,488 0 0
Yum! Brands Inc Com 988498101 56 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 317 3,139 SH   SOLE 0 2,809 60 270
Zimmer Biomet Holdings Inc Com 98956P102 158 1,565 SH   OTR 0 1,462 23 80
Deutsche Bank Ag Com D18190898 64 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 47 290 SH   SOLE 0 290 0 0
Accenture PLC Cl A Com G1151C101 212 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 345 4,440 SH   SOLE 0 4,440 0 0
Eaton Corp PLC Com G29183103 463 5,959 SH   OTR 0 4,884 0 1,075
Linde PLC Com G5494J103 1,240 7,165 SH   SOLE 0 7,165 0 0
Linde PLC Com G5494J103 679 3,924 SH   OTR 0 2,799 0 1,125
Medtronic PLC Com G5960L103 899 9,967 SH   SOLE 0 9,967 0 0
Medtronic PLC Com G5960L103 764 8,475 SH   OTR 0 8,404 71 0