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 2,441 77,834 SH   SOLE 0 76,834 0 1,000
AT&T Inc Com 00206R102 1,469 46,858 SH   OTR 0 40,445 400 6,013
Abbott Labs Com 002824100 5,322 66,577 SH   SOLE 0 66,077 0 500
Abbott Labs Com 002824100 1,873 23,436 SH   OTR 0 21,246 621 1,569
Abbvie Inc Com 00287Y109 2,473 30,680 SH   SOLE 0 30,480 0 200
Abbvie Inc Com 00287Y109 1,517 18,827 SH   OTR 0 16,962 395 1,470
Activision Blizzard, Inc Com 00507V109 588 12,914 SH   SOLE 0 12,914 0 0
Activision Blizzard, Inc Com 00507V109 288 6,335 SH   OTR 0 6,335 0 0
Air Products & Chemicals Inc Com 009158106 1,408 7,372 SH   SOLE 0 7,372 0 0
Air Products & Chemicals Inc Com 009158106 413 2,165 SH   OTR 0 2,165 0 0
Alphabet Inc Cl C Com 02079K107 3,317 2,827 SH   SOLE 0 2,772 0 55
Alphabet Inc Cl C Com 02079K107 2,363 2,014 SH   OTR 0 2,014 0 0
Alphabet Inc Cl A Com 02079K305 2,262 1,922 SH   SOLE 0 1,902 0 20
Alphabet Inc Cl A Com 02079K305 471 400 SH   OTR 0 400 0 0
Altria Group Inc Com 02209S103 736 12,812 SH   SOLE 0 11,737 0 1,075
Altria Group Inc Com 02209S103 2,309 40,200 SH   OTR 0 39,150 200 850
Amazon.Com Inc Com 023135106 821 461 SH   SOLE 0 461 0 0
Amazon.Com Inc Com 023135106 331 186 SH   OTR 0 186 0 0
American Express CO Com 025816109 694 6,350 SH   SOLE 0 6,350 0 0
American Express CO Com 025816109 169 1,546 SH   OTR 0 1,260 0 286
American Tower Corp REIT Com 03027X100 20 100 SH   SOLE 0 100 0 0
American Tower Corp REIT Com 03027X100 244 1,240 SH   OTR 0 1,240 0 0
American Water Works CO Inc Com 030420103 1,156 11,086 SH   SOLE 0 11,086 0 0
American Water Works CO Inc Com 030420103 1,040 9,975 SH   OTR 0 7,865 100 2,010
Amgen Inc Com 031162100 365 1,920 SH   SOLE 0 1,920 0 0
Amgen Inc Com 031162100 358 1,885 SH   OTR 0 1,885 0 0
Apache Corp Com 037411105 641 18,496 SH   SOLE 0 18,496 0 0
Apache Corp Com 037411105 432 12,475 SH   OTR 0 11,875 0 600
Apple Inc Com 037833100 10,483 55,189 SH   SOLE 0 51,944 105 3,140
Apple Inc Com 037833100 4,834 25,448 SH   OTR 0 23,728 870 850
Arrow Finl Corp Com 042744102 568 17,268 SH   SOLE 0 9,998 0 7,270
Arrow Finl Corp Com 042744102 114 3,477 SH   OTR 0 3,477 0 0
Autoliv Inc Com 052800109 785 10,677 SH   SOLE 0 9,927 0 750
Autoliv Inc Com 052800109 906 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 4,300 26,918 SH   SOLE 0 26,638 0 280
Automatic Data Processing Inc Com 053015103 1,353 8,470 SH   OTR 0 7,850 140 480
BP PLC Spons ADR Com 055622104 111 2,546 SH   SOLE 0 2,546 0 0
BP PLC Spons ADR Com 055622104 344 7,876 SH   OTR 0 7,676 0 200
Bank of America Corp Com 060505104 505 18,303 SH   SOLE 0 18,303 0 0
Bank of America Corp Com 060505104 390 14,140 SH   OTR 0 14,140 0 0
Bank of New York Mellon Corp Com 064058100 558 11,059 SH   SOLE 0 11,059 0 0
Bank of New York Mellon Corp Com 064058100 42 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 676 8,310 SH   SOLE 0 8,310 0 0
Baxter Intl Inc Com 071813109 345 4,249 SH   OTR 0 2,689 100 1,460
Becton Dickinson Com 075887109 421 1,686 SH   SOLE 0 1,686 0 0
Becton Dickinson Com 075887109 264 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,519 12,541 SH   SOLE 0 12,311 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,703 8,478 SH   OTR 0 8,458 20 0
Best Buy Company Inc Com 086516101 356 5,003 SH   SOLE 0 5,003 0 0
Best Buy Company Inc Com 086516101 28 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 184 3,374 SH   SOLE 0 3,174 0 200
BHP Group Ltd Spons ADR Com 088606108 97 1,775 SH   OTR 0 1,725 0 50
Biogen Inc Com 09062X103 59 249 SH   SOLE 0 249 0 0
Biogen Inc Com 09062X103 149 630 SH   OTR 0 630 0 0
Boeing CO Com 097023105 1,993 5,224 SH   SOLE 0 4,989 0 235
Boeing CO Com 097023105 2,907 7,621 SH   OTR 0 7,621 0 0
Bristol Myers Squibb CO Com 110122108 3,195 66,974 SH   SOLE 0 64,129 725 2,120
Bristol Myers Squibb CO Com 110122108 1,741 36,495 SH   OTR 0 33,585 360 2,550
Cigna Corp Com 125523100 408 2,538 SH   SOLE 0 2,375 18 145
Cigna Corp Com 125523100 64 401 SH   OTR 0 401 0 0
Csx Corp Com 126408103 239 3,199 SH   SOLE 0 3,199 0 0
Csx Corp Com 126408103 263 3,510 SH   OTR 0 3,510 0 0
CVS Health Corp Com 126650100 1,736 32,193 SH   SOLE 0 32,093 0 100
CVS Health Corp Com 126650100 797 14,786 SH   OTR 0 13,446 340 1,000
Cardinal Health Inc Com 14149Y108 204 4,235 SH   SOLE 0 4,235 0 0
Cardinal Health Inc Com 14149Y108 46 950 SH   OTR 0 950 0 0
Caterpillar Inc Com 149123101 2,105 15,538 SH   SOLE 0 15,538 0 0
Caterpillar Inc Com 149123101 1,217 8,980 SH   OTR 0 8,635 45 300
Celgene Corp Com 151020104 258 2,735 SH   SOLE 0 2,735 0 0
Celgene Corp Com 151020104 245 2,595 SH   OTR 0 2,595 0 0
Chevron Corporation Com 166764100 6,087 49,415 SH   SOLE 0 47,975 425 1,015
Chevron Corporation Com 166764100 4,480 36,370 SH   OTR 0 34,330 510 1,530
Cisco Systems Inc Com 17275R102 4,227 78,285 SH   SOLE 0 75,530 0 2,755
Cisco Systems Inc Com 17275R102 2,436 45,121 SH   OTR 0 44,596 525 0
Citigroup Inc Com 172967424 640 10,294 SH   SOLE 0 10,294 0 0
Citigroup Inc Com 172967424 480 7,715 SH   OTR 0 6,815 150 750
Clorox Company Com 189054109 867 5,402 SH   SOLE 0 5,402 0 0
Clorox Company Com 189054109 619 3,860 SH   OTR 0 3,375 0 485
Coca Cola CO Com 191216100 2,362 50,409 SH   SOLE 0 44,509 1,100 4,800
Coca Cola CO Com 191216100 1,435 30,620 SH   OTR 0 25,440 150 5,030
Cognizant Technology Solutions Com 192446102 208 2,866 SH   SOLE 0 2,866 0 0
Cognizant Technology Solutions Com 192446102 17 234 SH   OTR 0 234 0 0
Colgate Palmolive CO Com 194162103 1,252 18,269 SH   SOLE 0 16,369 500 1,400
Colgate Palmolive CO Com 194162103 823 12,010 SH   OTR 0 10,310 0 1,700
ComCast Corp-Cl A Com 20030N101 775 19,383 SH   SOLE 0 17,601 0 1,782
ComCast Corp-Cl A Com 20030N101 262 6,561 SH   OTR 0 4,563 650 1,348
Conocophillips Com 20825C104 709 10,621 SH   SOLE 0 10,421 100 100
Conocophillips Com 20825C104 199 2,978 SH   OTR 0 2,728 100 150
Corning Inc Com 219350105 406 12,266 SH   SOLE 0 12,266 0 0
Corning Inc Com 219350105 402 12,150 SH   OTR 0 11,450 700 0
Costco Wholesale Corp Com 22160K105 302 1,247 SH   SOLE 0 1,247 0 0
Costco Wholesale Corp Com 22160K105 331 1,369 SH   OTR 0 729 0 640
Danaher Corp Com 235851102 3,626 27,467 SH   SOLE 0 25,637 0 1,830
Danaher Corp Com 235851102 2,020 15,298 SH   OTR 0 13,368 140 1,790
Deere & CO Com 244199105 1,747 10,930 SH   SOLE 0 10,740 25 165
Deere & CO Com 244199105 1,864 11,664 SH   OTR 0 11,594 70 0
Digital Realty Trust Inc REIT Com 253868103 102 860 SH   SOLE 0 860 0 0
Digital Realty Trust Inc REIT Com 253868103 142 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 4,708 42,401 SH   SOLE 0 41,616 0 785
Disney Walt CO New Com 254687106 2,617 23,570 SH   OTR 0 21,615 570 1,385
Dominion Resources Inc Com 25746U109 1,110 14,474 SH   SOLE 0 14,164 0 310
Dominion Resources Inc Com 25746U109 957 12,480 SH   OTR 0 9,450 80 2,950
DowDuPont Inc Com 26078J100 2,423 45,459 SH   SOLE 0 45,184 0 275
DowDuPont Inc Com 26078J100 2,481 46,547 SH   OTR 0 42,367 152 4,028
Duke Energy Corp Com 26441C204 295 3,281 SH   SOLE 0 2,948 333 0
Duke Energy Corp Com 26441C204 168 1,862 SH   OTR 0 1,762 100 0
Ecolab Inc Com 278865100 1,482 8,395 SH   SOLE 0 8,395 0 0
Ecolab Inc Com 278865100 517 2,930 SH   OTR 0 2,440 40 450
Emerson Elec CO Com 291011104 942 13,755 SH   SOLE 0 13,755 0 0
Emerson Elec CO Com 291011104 444 6,481 SH   OTR 0 6,381 100 0
Exelon Corp Com 30161N101 232 4,630 SH   SOLE 0 4,630 0 0
Exelon Corp Com 30161N101 165 3,299 SH   OTR 0 2,949 0 350
Exxonmobil Corp Com 30231G102 8,256 102,182 SH   SOLE 0 97,837 850 3,495
Exxonmobil Corp Com 30231G102 6,092 75,402 SH   OTR 0 72,242 635 2,525
Facebook Inc-A Com 30303M102 690 4,142 SH   SOLE 0 4,142 0 0
Facebook Inc-A Com 30303M102 554 3,324 SH   OTR 0 3,324 0 0
Fiserv Inc Com 337738108 689 7,806 SH   SOLE 0 7,806 0 0
Fiserv Inc Com 337738108 112 1,274 SH   OTR 0 1,274 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 38,766 1,183,692 SH   SOLE 0 1,173,997 0 9,695
FlexShares Mstar Glbl Upstrm N Com 33939L407 4,604 140,571 SH   OTR 0 132,519 340 7,712
Fortive Corp Com 34959J108 554 6,605 SH   SOLE 0 5,995 0 610
Fortive Corp Com 34959J108 210 2,499 SH   OTR 0 1,655 50 794
General Dynamics Corp Com 369550108 906 5,351 SH   SOLE 0 5,201 0 150
General Dynamics Corp Com 369550108 207 1,220 SH   OTR 0 1,170 0 50
General Electric Corp Com 369604103 465 46,526 SH   SOLE 0 46,401 0 125
General Electric Corp Com 369604103 656 65,699 SH   OTR 0 61,561 1,013 3,125
General Mls Inc Com 370334104 635 12,268 SH   SOLE 0 12,268 0 0
General Mls Inc Com 370334104 458 8,842 SH   OTR 0 6,997 100 1,745
Genuine Parts CO Com 372460105 223 1,991 SH   SOLE 0 1,991 0 0
Gilead Sciences Inc Com 375558103 263 4,042 SH   SOLE 0 4,042 0 0
Gilead Sciences Inc Com 375558103 43 665 SH   OTR 0 665 0 0
Glaxo Smithkline Spons ADR Com 37733W105 342 8,179 SH   SOLE 0 8,179 0 0
Glaxo Smithkline Spons ADR Com 37733W105 289 6,912 SH   OTR 0 5,907 255 750
Goldman Sachs Group Inc Com 38141G104 928 4,835 SH   SOLE 0 4,815 20 0
Goldman Sachs Group Inc Com 38141G104 725 3,775 SH   OTR 0 3,775 0 0
Grainger W W Inc Com 384802104 1,136 3,775 SH   SOLE 0 3,775 0 0
Grainger W W Inc Com 384802104 877 2,915 SH   OTR 0 1,945 100 870
Home Depot Inc Com 437076102 668 3,483 SH   SOLE 0 3,483 0 0
Home Depot Inc Com 437076102 1,021 5,320 SH   OTR 0 4,995 0 325
Honeywell International Inc Com 438516106 2,887 18,169 SH   SOLE 0 17,304 0 865
Honeywell International Inc Com 438516106 1,212 7,625 SH   OTR 0 6,051 300 1,274
Illinois Tool Wks Inc Com 452308109 288 2,004 SH   SOLE 0 2,004 0 0
Illinois Tool Wks Inc Com 452308109 100 699 SH   OTR 0 699 0 0
Intel Corp Com 458140100 6,751 125,714 SH   SOLE 0 122,514 1,200 2,000
Intel Corp Com 458140100 2,363 43,999 SH   OTR 0 41,049 1,250 1,700
Intercontinental Exchange Inc Com 45866F104 529 6,945 SH   SOLE 0 6,945 0 0
Intercontinental Exchange Inc Com 45866F104 63 825 SH   OTR 0 625 0 200
Intl. Business Machines Corp Com 459200101 2,109 14,949 SH   SOLE 0 13,509 435 1,005
Intl. Business Machines Corp Com 459200101 1,970 13,961 SH   OTR 0 12,153 0 1,808
Ishares Core Total U.S. Aggreg Com 464287226 213 1,955 SH   SOLE 0 1,955 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 2,900 67,557 SH   SOLE 0 66,731 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 676 15,749 SH   OTR 0 14,669 355 725
Ishares Msci Eafe ETF Com 464287465 3,112 47,977 SH   SOLE 0 47,977 0 0
Ishares Msci Eafe ETF Com 464287465 759 11,704 SH   OTR 0 11,094 285 325
Ishares Core S&P Mid-Cap ETF Com 464287507 1,517 8,008 SH   SOLE 0 8,008 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 511 2,696 SH   OTR 0 2,496 0 200
Ishares Nasdaq Biotech ETF Com 464287556 2,825 25,272 SH   SOLE 0 24,684 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,501 13,422 SH   OTR 0 12,612 660 150
Ishares Russell 2000 ETF Com 464287655 5,194 33,930 SH   SOLE 0 33,147 0 783
Ishares Russell 2000 ETF Com 464287655 581 3,798 SH   OTR 0 3,528 235 35
Ishares DJ US Telcom Sector ET Com 464287713 838 28,188 SH   SOLE 0 28,188 0 0
Ishares DJ US Telcom Sector ET Com 464287713 566 19,020 SH   OTR 0 18,820 200 0
Ishares Msci Eafe Small Cap ET Com 464288273 2,305 40,130 SH   SOLE 0 39,430 0 700
Ishares Msci Eafe Small Cap ET Com 464288273 278 4,845 SH   OTR 0 4,845 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,217 14,080 SH   SOLE 0 14,080 0 0
Ishares IBoxx High Yield Corpo Com 464288513 7 80 SH   OTR 0 80 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 237 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,477 67,780 SH   SOLE 0 67,780 0 0
Ishares S&P Pref Stk ETF Com 464288687 672 18,379 SH   OTR 0 15,079 0 3,300
Ishares Aaa-A Rated Corp Bond Com 46429B291 201 3,855 SH   SOLE 0 3,855 0 0
Ishares Core Emerging Markets Com 46434G103 2,451 47,401 SH   SOLE 0 47,401 0 0
Ishares Core Emerging Markets Com 46434G103 474 9,165 SH   OTR 0 9,165 0 0
JP Morgan Chase & CO Com 46625H100 7,826 77,307 SH   SOLE 0 76,220 112 975
JP Morgan Chase & CO Com 46625H100 4,877 48,173 SH   OTR 0 45,173 640 2,360
Johnson & Johnson Com 478160104 9,738 69,660 SH   SOLE 0 65,567 150 3,943
Johnson & Johnson Com 478160104 4,685 33,514 SH   OTR 0 29,519 320 3,675
Keycorp Com 493267108 47 3,010 SH   SOLE 0 3,010 0 0
Keycorp Com 493267108 131 8,300 SH   OTR 0 8,300 0 0
Kimberly Clark Corp Com 494368103 525 4,238 SH   SOLE 0 4,238 0 0
Kimberly Clark Corp Com 494368103 121 975 SH   OTR 0 975 0 0
Kohls Corp Com 500255104 227 3,295 SH   SOLE 0 3,295 0 0
Kohls Corp Com 500255104 41 600 SH   OTR 0 600 0 0
Kraft Heinz CO Com 500754106 62 1,909 SH   SOLE 0 1,843 0 66
Kraft Heinz CO Com 500754106 245 7,497 SH   OTR 0 7,417 46 34
Lilly Eli & CO Com 532457108 437 3,370 SH   SOLE 0 2,842 0 528
Lilly Eli & CO Com 532457108 816 6,285 SH   OTR 0 5,260 0 1,025
Lockheed Martin Corp Com 539830109 2,511 8,365 SH   SOLE 0 7,850 0 515
Lockheed Martin Corp Com 539830109 926 3,085 SH   OTR 0 3,085 0 0
Lowes Cos Inc Com 548661107 6,179 56,445 SH   SOLE 0 56,045 25 375
Lowes Cos Inc Com 548661107 3,152 28,797 SH   OTR 0 27,362 335 1,100
Mastercard Inc Cl A Com 57636Q104 164 697 SH   SOLE 0 697 0 0
Mastercard Inc Cl A Com 57636Q104 159 675 SH   OTR 0 675 0 0
McDonalds Corp Com 580135101 7,333 38,613 SH   SOLE 0 38,508 75 30
McDonalds Corp Com 580135101 3,958 20,843 SH   OTR 0 19,628 265 950
Merck & CO Inc Com 58933Y105 3,630 43,647 SH   SOLE 0 42,172 675 800
Merck & CO Inc Com 58933Y105 1,864 22,416 SH   OTR 0 21,426 165 825
Metlife Inc Com 59156R108 369 8,661 SH   SOLE 0 8,661 0 0
Metlife Inc Com 59156R108 107 2,525 SH   OTR 0 2,114 111 300
Microsoft Corp Com 594918104 11,431 96,926 SH   SOLE 0 94,161 225 2,540
Microsoft Corp Com 594918104 5,711 48,422 SH   OTR 0 44,052 870 3,500
Microchip Technology Inc Com 595017104 1,537 18,530 SH   SOLE 0 18,530 0 0
Microchip Technology Inc Com 595017104 480 5,785 SH   OTR 0 4,810 150 825
Mondelez International Inc Com 609207105 529 10,590 SH   SOLE 0 9,976 0 614
Mondelez International Inc Com 609207105 1,051 21,046 SH   OTR 0 20,805 138 103
NBT Bancorp Inc Com 628778102 4,755 132,059 SH   SOLE 0 54,408 0 77,651
NBT Bancorp Inc Com 628778102 1,791 49,723 SH   OTR 0 46,457 0 3,266
Nextera Energy Inc Com 65339F101 1,667 8,623 SH   SOLE 0 8,173 0 450
Nextera Energy Inc Com 65339F101 1,366 7,066 SH   OTR 0 5,026 30 2,010
Nike Inc-Class B Com 654106103 2,172 25,792 SH   SOLE 0 25,792 0 0
Nike Inc-Class B Com 654106103 1,190 14,130 SH   OTR 0 9,990 140 4,000
Norfolk Southern Corp Com 655844108 995 5,323 SH   SOLE 0 5,323 0 0
Norfolk Southern Corp Com 655844108 1,238 6,625 SH   OTR 0 5,355 70 1,200
Novartis Ag Spons ADR Com 66987V109 1,697 17,655 SH   SOLE 0 17,655 0 0
Novartis Ag Spons ADR Com 66987V109 1,158 12,044 SH   OTR 0 11,644 150 250
Nucor Corp Com 670346105 542 9,295 SH   SOLE 0 9,295 0 0
Nucor Corp Com 670346105 353 6,050 SH   OTR 0 4,050 0 2,000
Oracle Corporation Com 68389X105 2,287 42,588 SH   SOLE 0 41,088 0 1,500
Oracle Corporation Com 68389X105 485 9,035 SH   OTR 0 8,835 0 200
Pepsico Inc Com 713448108 6,346 51,787 SH   SOLE 0 51,387 100 300
Pepsico Inc Com 713448108 2,975 24,277 SH   OTR 0 23,097 370 810
Pfizer Inc Com 717081103 4,938 116,282 SH   SOLE 0 113,182 0 3,100
Pfizer Inc Com 717081103 2,986 70,319 SH   OTR 0 65,875 1,855 2,589
Philip Morris International Com 718172109 745 8,429 SH   SOLE 0 7,604 0 825
Philip Morris International Com 718172109 2,926 33,102 SH   OTR 0 32,802 150 150
T Rowe Price Group Inc Com 74144T108 3,098 30,938 SH   SOLE 0 30,888 50 0
T Rowe Price Group Inc Com 74144T108 1,683 16,811 SH   OTR 0 16,216 295 300
Procter & Gamble CO Com 742718109 8,290 79,675 SH   SOLE 0 75,310 500 3,865
Procter & Gamble CO Com 742718109 4,348 41,792 SH   OTR 0 37,227 405 4,160
Prudential Finl Inc Com 744320102 1,566 17,039 SH   SOLE 0 16,989 50 0
Prudential Finl Inc Com 744320102 1,094 11,905 SH   OTR 0 11,555 150 200
Public Service Enterprise Grou Com 744573106 134 2,257 SH   SOLE 0 2,257 0 0
Public Service Enterprise Grou Com 744573106 151 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 1,761 30,876 SH   SOLE 0 30,351 0 525
Qualcomm Inc Com 747525103 918 16,104 SH   OTR 0 15,479 125 500
Royal Dutch Shell Spons ADR Com 780259206 28 445 SH   SOLE 0 445 0 0
Royal Dutch Shell Spons ADR Com 780259206 225 3,601 SH   OTR 0 3,351 0 250
SPDR S&P 500 ETF Trust Com 78462F103 3,279 11,607 SH   SOLE 0 11,298 0 309
SPDR S&P 500 ETF Trust Com 78462F103 932 3,298 SH   OTR 0 2,938 160 200
SPDR Portfolio Intermediate Te Com 78464A375 678 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,144 41,764 SH   SOLE 0 41,764 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,110 21,622 SH   OTR 0 21,422 100 100
SPDR S&P Dividend ETF Com 78464A763 10,726 107,892 SH   SOLE 0 107,892 0 0
SPDR S&P Dividend ETF Com 78464A763 780 7,850 SH   OTR 0 7,450 0 400
Kbw Bank ETF Com 78464A797 169 4,046 SH   SOLE 0 4,046 0 0
Kbw Bank ETF Com 78464A797 47 1,130 SH   OTR 0 1,030 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,006 3,882 SH   SOLE 0 3,882 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 354 1,365 SH   OTR 0 1,165 100 100
Midcap SPDR Trust Series 1 Com 78467Y107 7,144 20,683 SH   SOLE 0 20,307 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 850 2,461 SH   OTR 0 2,301 125 35
Salesforce.Com Com 79466L302 998 6,302 SH   SOLE 0 6,282 20 0
Salesforce.Com Com 79466L302 828 5,230 SH   OTR 0 5,230 0 0
Schlumberger Ltd Com 806857108 1,602 36,768 SH   SOLE 0 36,053 0 715
Schlumberger Ltd Com 806857108 469 10,773 SH   OTR 0 10,613 160 0
Charles Schwab Corp Com 808513105 118 2,760 SH   SOLE 0 2,760 0 0
Charles Schwab Corp Com 808513105 168 3,925 SH   OTR 0 3,925 0 0
Schwab US Dividend Equity ETF Com 808524797 8,692 166,253 SH   SOLE 0 162,578 0 3,675
Schwab US Dividend Equity ETF Com 808524797 337 6,450 SH   OTR 0 6,450 0 0
Materials Select SPDR Fund Com 81369Y100 1,247 22,467 SH   SOLE 0 20,487 0 1,980
Materials Select SPDR Fund Com 81369Y100 514 9,261 SH   OTR 0 8,431 375 455
Health Care Select Sector SPDR Com 81369Y209 939 10,239 SH   SOLE 0 9,934 0 305
Health Care Select Sector SPDR Com 81369Y209 205 2,239 SH   OTR 0 2,239 0 0
Consumer Staples Select Sector Com 81369Y308 548 9,760 SH   SOLE 0 9,375 0 385
Consumer Staples Select Sector Com 81369Y308 78 1,393 SH   OTR 0 1,103 100 190
Consumer Discretionary Selt Com 81369Y407 1,420 12,470 SH   SOLE 0 10,730 0 1,740
Consumer Discretionary Selt Com 81369Y407 158 1,387 SH   OTR 0 852 400 135
Energy Select Sector SPDR Com 81369Y506 664 10,041 SH   SOLE 0 9,666 0 375
Energy Select Sector SPDR Com 81369Y506 83 1,257 SH   OTR 0 1,024 80 153
Financial Select Sector SPDR Com 81369Y605 911 35,416 SH   SOLE 0 33,916 0 1,500
Financial Select Sector SPDR Com 81369Y605 88 3,441 SH   OTR 0 3,241 200 0
Industrial Select Sector SPDR Com 81369Y704 1,078 14,366 SH   SOLE 0 14,316 0 50
Industrial Select Sector SPDR Com 81369Y704 113 1,509 SH   OTR 0 1,409 0 100
Technology Select Sect SPDR Com 81369Y803 1,919 25,928 SH   SOLE 0 25,566 162 200
Technology Select Sect SPDR Com 81369Y803 191 2,587 SH   OTR 0 2,387 200 0
Real Estate Select Sect SPDR Com 81369Y860 1,074 29,647 SH   SOLE 0 28,425 105 1,117
Real Estate Select Sect SPDR Com 81369Y860 892 24,618 SH   OTR 0 24,447 46 125
Utilities Select Sector SPDR Com 81369Y886 1,767 30,381 SH   SOLE 0 29,231 0 1,150
Utilities Select Sector SPDR Com 81369Y886 1,116 19,186 SH   OTR 0 18,199 475 512
Southern Company Com 842587107 1,086 21,016 SH   SOLE 0 21,016 0 0
Southern Company Com 842587107 725 14,028 SH   OTR 0 13,903 0 125
Starbucks Corp Com 855244109 53 711 SH   SOLE 0 711 0 0
Starbucks Corp Com 855244109 253 3,400 SH   OTR 0 3,400 0 0
State Street Corp Com 857477103 327 4,963 SH   SOLE 0 4,963 0 0
State Street Corp Com 857477103 49 750 SH   OTR 0 575 0 175
Stryker Corporation Com 863667101 554 2,805 SH   SOLE 0 2,805 0 0
Sysco Corp Com 871829107 506 7,580 SH   SOLE 0 7,580 0 0
Sysco Corp Com 871829107 496 7,424 SH   OTR 0 6,999 0 425
TJX Cos Inc Com 872540109 2,136 40,149 SH   SOLE 0 38,849 300 1,000
TJX Cos Inc Com 872540109 1,907 35,842 SH   OTR 0 34,816 340 686
Target Corp Com 87612E106 2,130 26,541 SH   SOLE 0 26,266 0 275
Target Corp Com 87612E106 1,239 15,437 SH   OTR 0 14,287 225 925
Textron Inc Com 883203101 811 16,000 SH   SOLE 0 16,000 0 0
3m CO Com 88579Y101 2,102 10,117 SH   SOLE 0 9,157 340 620
3m CO Com 88579Y101 350 1,685 SH   OTR 0 1,350 35 300
US Bancorp New Com 902973304 972 20,178 SH   SOLE 0 20,178 0 0
US Bancorp New Com 902973304 310 6,429 SH   OTR 0 5,743 470 216
Union Pac Corp Com 907818108 4,105 24,552 SH   SOLE 0 23,852 0 700
Union Pac Corp Com 907818108 3,383 20,236 SH   OTR 0 17,616 0 2,620
United Parcel Service Cl B Com 911312106 559 5,004 SH   SOLE 0 5,004 0 0
United Parcel Service Cl B Com 911312106 203 1,816 SH   OTR 0 1,816 0 0
United Technologies Corp Com 913017109 5,097 39,547 SH   SOLE 0 38,817 100 630
United Technologies Corp Com 913017109 3,452 26,779 SH   OTR 0 24,843 1,186 750
Unitedhealth Group Inc Com 91324P102 2,431 9,830 SH   SOLE 0 9,630 0 200
Unitedhealth Group Inc Com 91324P102 1,086 4,392 SH   OTR 0 4,242 150 0
Univest Corp of Pennsylvania Com 915271100 289 11,812 SH   OTR 0 11,812 0 0
V.F. Corp Com 918204108 229 2,631 SH   SOLE 0 2,631 0 0
V.F. Corp Com 918204108 45 513 SH   OTR 0 513 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 1,014 16,265 SH   SOLE 0 15,615 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 722 11,578 SH   OTR 0 11,353 125 100
Vanguard Intermediate-Term Bon Com 921937819 353 4,200 SH   SOLE 0 4,200 0 0
Vanguard Intermediate-Term Bon Com 921937819 31 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 273 3,361 SH   SOLE 0 3,361 0 0
Vanguard FTSE Developed Market Com 921943858 98 2,408 SH   SOLE 0 2,408 0 0
Vanguard FTSE Developed Market Com 921943858 157 3,830 SH   OTR 0 3,830 0 0
Vanguard Ftse Emerging Markets Com 922042858 883 20,767 SH   SOLE 0 20,767 0 0
Vanguard Ftse Emerging Markets Com 922042858 501 11,778 SH   OTR 0 11,228 0 550
Vanguard Inter Term Corp Bond Com 92206C870 864 9,941 SH   SOLE 0 9,941 0 0
Vanguard Inter Term Corp Bond Com 92206C870 230 2,650 SH   OTR 0 2,650 0 0
Vanguard S&P 500 ETF Com 922908363 6,145 23,678 SH   SOLE 0 23,475 0 203
Vanguard Real Estate ETF Com 922908553 1,380 15,882 SH   SOLE 0 15,882 0 0
Vanguard Real Estate ETF Com 922908553 482 5,551 SH   OTR 0 5,212 239 100
Veoneer Incorporated Com Com 92336X109 245 10,712 SH   SOLE 0 9,962 0 750
Veoneer Incorporated Com Com 92336X109 283 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,694 62,466 SH   SOLE 0 60,679 860 927
Verizon Communications Com 92343V104 2,839 48,011 SH   OTR 0 45,480 460 2,071
Visa Inc Cl A Com 92826C839 1,046 6,698 SH   SOLE 0 6,698 0 0
Visa Inc Cl A Com 92826C839 729 4,670 SH   OTR 0 4,570 100 0
Wal Mart Inc Com 931142103 1,517 15,552 SH   SOLE 0 15,152 0 400
Wal Mart Inc Com 931142103 1,161 11,907 SH   OTR 0 10,541 300 1,066
Walgreens Boots Alliance Inc Com 931427108 451 7,124 SH   SOLE 0 7,124 0 0
Walgreens Boots Alliance Inc Com 931427108 104 1,651 SH   OTR 0 847 0 804
Wells Fargo & CO Com 949746101 3,227 66,786 SH   SOLE 0 66,386 0 400
Wells Fargo & CO Com 949746101 1,958 40,522 SH   OTR 0 35,591 1,005 3,926
WisdomTree MidCap Dividend ETF Com 97717W505 4,644 129,752 SH   SOLE 0 127,372 0 2,380
WisdomTree MidCap Dividend ETF Com 97717W505 414 11,565 SH   OTR 0 9,650 0 1,915
WisdomTree SmallCap Dividend E Com 97717W604 2,383 86,526 SH   SOLE 0 84,841 0 1,685
WisdomTree SmallCap Dividend E Com 97717W604 244 8,865 SH   OTR 0 8,030 0 835
Xcel Energy Inc Com 98389B100 173 3,086 SH   SOLE 0 3,086 0 0
Xcel Energy Inc Com 98389B100 44 775 SH   OTR 0 775 0 0
Xylem Inc Com 98419M100 395 4,992 SH   SOLE 0 4,992 0 0
Xylem Inc Com 98419M100 249 3,150 SH   OTR 0 3,150 0 0
Yum! Brands Inc Com 988498101 528 5,286 SH   SOLE 0 5,286 0 0
Yum! Brands Inc Com 988498101 109 1,095 SH   OTR 0 1,095 0 0
Zimmer Biomet Holdings Inc Com 98956P102 337 2,638 SH   SOLE 0 2,308 60 270
Zimmer Biomet Holdings Inc Com 98956P102 225 1,765 SH   OTR 0 1,642 23 100
Eaton Corp PLC Com G29183103 416 5,159 SH   SOLE 0 5,159 0 0
Eaton Corp PLC Com G29183103 496 6,159 SH   OTR 0 5,084 0 1,075
Linde PLC Com G5494J103 1,551 8,816 SH   SOLE 0 8,816 0 0
Linde PLC Com G5494J103 1,039 5,905 SH   OTR 0 4,780 0 1,125
Medtronic PLC Com G5960L103 1,166 12,802 SH   SOLE 0 12,802 0 0
Medtronic PLC Com G5960L103 820 9,004 SH   OTR 0 8,933 71 0