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 1,718 59,684 SH   SOLE 0 57,348 175 2,161
AT&T Inc Com 00206R102 1,343 46,675 SH   OTR 0 41,163 400 5,112
Abbott Labs Com 002824100 6,058 52,258 SH   SOLE 0 51,658 0 600
Abbott Labs Com 002824100 2,372 20,462 SH   OTR 0 18,826 616 1,020
Abbvie Inc Com 00287Y109 2,578 22,889 SH   SOLE 0 22,589 0 300
Abbvie Inc Com 00287Y109 1,974 17,527 SH   OTR 0 14,207 290 3,030
Activision Blizzard, Inc Com 00507V109 934 9,783 SH   SOLE 0 9,783 0 0
Activision Blizzard, Inc Com 00507V109 638 6,685 SH   OTR 0 6,685 0 0
Air Products & Chemicals Inc Com 009158106 1,668 5,797 SH   SOLE 0 5,797 0 0
Air Products & Chemicals Inc Com 009158106 518 1,800 SH   OTR 0 1,800 0 0
Allstate Corp Com 020002101 37 285 SH   SOLE 0 285 0 0
Allstate Corp Com 020002101 313 2,400 SH   OTR 0 2,400 0 0
Alphabet Inc Cl C Com 02079K107 5,579 2,226 SH   SOLE 0 2,117 0 109
Alphabet Inc Cl C Com 02079K107 5,416 2,161 SH   OTR 0 2,031 0 130
Alphabet Inc Cl A Com 02079K305 4,300 1,761 SH   SOLE 0 1,722 0 39
Alphabet Inc Cl A Com 02079K305 696 285 SH   OTR 0 170 0 115
Altria Group Inc Com 02209S103 635 13,326 SH   SOLE 0 12,551 0 775
Altria Group Inc Com 02209S103 1,541 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 2,154 626 SH   SOLE 0 626 0 0
Amazon.Com Inc Com 023135106 1,104 321 SH   OTR 0 251 0 70
American Express CO Com 025816109 719 4,350 SH   SOLE 0 4,350 0 0
American Express CO Com 025816109 249 1,506 SH   OTR 0 1,220 0 286
American Tower Corp REIT Com 03027X100 142 525 SH   SOLE 0 525 0 0
American Tower Corp REIT Com 03027X100 193 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,558 10,110 SH   SOLE 0 10,110 0 0
American Water Works CO Inc Com 030420103 1,185 7,690 SH   OTR 0 6,160 100 1,430
Amgen Inc Com 031162100 654 2,685 SH   SOLE 0 2,685 0 0
Amgen Inc Com 031162100 405 1,660 SH   OTR 0 1,660 0 0
Amplify CWP Enhanced Dividend Com 032108409 212 5,920 SH   SOLE 0 5,920 0 0
Amplify CWP Enhanced Dividend Com 032108409 118 3,300 SH   OTR 0 3,300 0 0
APA Corporation Com 03743Q108 238 11,015 SH   SOLE 0 11,015 0 0
APA Corporation Com 03743Q108 44 2,035 SH   OTR 0 1,935 100 0
Apple Inc Com 037833100 21,116 154,177 SH   SOLE 0 139,491 360 14,326
Apple Inc Com 037833100 12,078 88,187 SH   OTR 0 75,947 2,610 9,630
Arrow Finl Corp Com 042744102 281 7,818 SH   SOLE 0 1,794 0 6,024
Arrow Finl Corp Com 042744102 180 5,000 SH   OTR 0 5,000 0 0
Autoliv Inc Com 052800109 956 9,780 SH   SOLE 0 8,736 0 1,044
Autoliv Inc Com 052800109 1,051 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,178 21,033 SH   SOLE 0 20,753 0 280
Automatic Data Processing Inc Com 053015103 1,209 6,089 SH   OTR 0 5,469 140 480
BP PLC Spons ADR Com 055622104 76 2,895 SH   SOLE 0 2,895 0 0
BP PLC Spons ADR Com 055622104 173 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 902 21,888 SH   SOLE 0 21,240 0 648
Bank of America Corp Com 060505104 248 6,025 SH   OTR 0 6,025 0 0
Bank of New York Mellon Corp Com 064058100 550 10,737 SH   SOLE 0 10,737 0 0
Bank of New York Mellon Corp Com 064058100 43 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 590 7,325 SH   SOLE 0 7,325 0 0
Baxter Intl Inc Com 071813109 218 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 305 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 257 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,792 10,047 SH   SOLE 0 9,817 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,552 9,181 SH   OTR 0 9,163 18 0
Best Buy Company Inc Com 086516101 483 4,197 SH   SOLE 0 4,197 0 0
Best Buy Company Inc Com 086516101 45 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 249 3,414 SH   SOLE 0 3,214 0 200
BHP Group Ltd Spons ADR Com 088606108 71 975 SH   OTR 0 925 0 50
Biogen Inc Com 09062X103 87 250 SH   SOLE 0 250 0 0
Biogen Inc Com 09062X103 235 680 SH   OTR 0 680 0 0
Blackrock Inc Cl A Com 09247X101 36 41 SH   SOLE 0 41 0 0
Blackrock Inc Cl A Com 09247X101 420 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 1,578 6,585 SH   SOLE 0 6,350 0 235
Boeing CO Com 097023105 2,229 9,305 SH   OTR 0 9,005 150 150
Bristol Myers Squibb CO Com 110122108 4,104 61,421 SH   SOLE 0 58,606 695 2,120
Bristol Myers Squibb CO Com 110122108 2,526 37,810 SH   OTR 0 31,770 250 5,790
Cigna Corp Com 125523100 213 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 17 73 SH   OTR 0 73 0 0
Csx Corp Com 126408103 292 9,093 SH   SOLE 0 9,093 0 0
Csx Corp Com 126408103 208 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,099 37,137 SH   SOLE 0 35,952 0 1,185
CVS Health Corp Com 126650100 1,793 21,484 SH   OTR 0 17,969 340 3,175
Capital One Financial Corp Com 14040H105 210 1,355 SH   SOLE 0 1,355 0 0
Carrier Global Corporation Com 14448C104 1,191 24,512 SH   SOLE 0 23,542 100 870
Carrier Global Corporation Com 14448C104 834 17,167 SH   OTR 0 14,261 1,106 1,800
Caterpillar Inc Com 149123101 2,857 13,130 SH   SOLE 0 12,242 0 888
Caterpillar Inc Com 149123101 2,233 10,262 SH   OTR 0 9,925 37 300
Chevron Corporation Com 166764100 4,451 42,491 SH   SOLE 0 40,148 350 1,993
Chevron Corporation Com 166764100 3,084 29,446 SH   OTR 0 27,791 375 1,280
Cisco Systems Inc Com 17275R102 3,878 73,179 SH   SOLE 0 68,218 0 4,961
Cisco Systems Inc Com 17275R102 2,558 48,259 SH   OTR 0 47,059 595 605
Citigroup Inc Com 172967424 784 11,079 SH   SOLE 0 11,079 0 0
Citigroup Inc Com 172967424 393 5,550 SH   OTR 0 5,400 150 0
Clorox Company Com 189054109 959 5,333 SH   SOLE 0 5,333 0 0
Clorox Company Com 189054109 501 2,785 SH   OTR 0 2,300 0 485
Coca Cola CO Com 191216100 2,450 45,273 SH   SOLE 0 39,089 910 5,274
Coca Cola CO Com 191216100 1,066 19,700 SH   OTR 0 14,570 150 4,980
Colgate Palmolive CO Com 194162103 1,191 14,642 SH   SOLE 0 12,532 410 1,700
Colgate Palmolive CO Com 194162103 627 7,710 SH   OTR 0 4,260 0 3,450
ComCast Corp-Cl A Com 20030N101 1,259 22,082 SH   SOLE 0 19,808 0 2,274
ComCast Corp-Cl A Com 20030N101 623 10,919 SH   OTR 0 8,746 650 1,523
Community Bank System Inc Com 203607106 144 1,902 SH   SOLE 0 1,700 0 202
Community Bank System Inc Com 203607106 76 1,000 SH   OTR 0 0 1,000 0
Conocophillips Com 20825C104 520 8,546 SH   SOLE 0 8,446 100 0
Conocophillips Com 20825C104 96 1,572 SH   OTR 0 1,322 100 150
Corning Inc Com 219350105 600 14,676 SH   SOLE 0 14,676 0 0
Corning Inc Com 219350105 460 11,250 SH   OTR 0 8,500 900 1,850
Corteva Inc Com Com 22052L104 106 2,381 SH   SOLE 0 2,290 0 91
Corteva Inc Com Com 22052L104 355 7,995 SH   OTR 0 7,767 0 228
Costco Wholesale Corp Com 22160K105 689 1,742 SH   SOLE 0 1,742 0 0
Costco Wholesale Corp Com 22160K105 472 1,194 SH   OTR 0 704 0 490
DTE Energy Co Com 233331107 461 3,554 SH   SOLE 0 3,554 0 0
Danaher Corp Com 235851102 5,470 20,383 SH   SOLE 0 18,283 0 2,100
Danaher Corp Com 235851102 2,955 11,010 SH   OTR 0 9,818 135 1,057
Deere & CO Com 244199105 3,132 8,880 SH   SOLE 0 8,192 25 663
Deere & CO Com 244199105 3,864 10,954 SH   OTR 0 10,884 70 0
Dicks Sporting Goods Inc Com 253393102 474 4,735 SH   SOLE 0 3,731 0 1,004
Dicks Sporting Goods Inc Com 253393102 25 253 SH   OTR 0 253 0 0
Digital Realty Trust Inc REIT Com 253868103 323 2,147 SH   SOLE 0 2,147 0 0
Disney Walt CO New Com 254687106 5,984 34,042 SH   SOLE 0 32,709 0 1,333
Disney Walt CO New Com 254687106 3,697 21,036 SH   OTR 0 19,701 565 770
Dominion Resources Inc Com 25746U109 1,114 15,148 SH   SOLE 0 14,838 0 310
Dominion Resources Inc Com 25746U109 725 9,860 SH   OTR 0 7,340 80 2,440
Dow Inc Com Com 260557103 950 15,020 SH   SOLE 0 14,929 0 91
Dow Inc Com Com 260557103 890 14,057 SH   OTR 0 12,283 16 1,758
Duke Energy Corp Com 26441C204 349 3,535 SH   SOLE 0 3,250 285 0
Duke Energy Corp Com 26441C204 143 1,450 SH   OTR 0 1,350 100 0
Dupont De Nemours Inc Com 26614N102 1,174 15,163 SH   SOLE 0 15,072 0 91
Dupont De Nemours Inc Com 26614N102 1,122 14,497 SH   OTR 0 13,211 316 970
Ecolab Inc Com 278865100 1,471 7,140 SH   SOLE 0 7,140 0 0
Ecolab Inc Com 278865100 640 3,105 SH   OTR 0 2,615 40 450
Emerson Elec CO Com 291011104 1,110 11,534 SH   SOLE 0 11,534 0 0
Emerson Elec CO Com 291011104 331 3,440 SH   OTR 0 3,340 100 0
Exelon Corp Com 30161N101 181 4,095 SH   SOLE 0 4,095 0 0
Exelon Corp Com 30161N101 117 2,640 SH   OTR 0 2,290 0 350
Exxonmobil Corp Com 30231G102 5,391 85,462 SH   SOLE 0 81,526 790 3,146
Exxonmobil Corp Com 30231G102 4,392 69,626 SH   OTR 0 66,046 635 2,945
Facebook Inc-A Com 30303M102 1,806 5,195 SH   SOLE 0 5,195 0 0
Facebook Inc-A Com 30303M102 1,443 4,149 SH   OTR 0 4,149 0 0
Fedex Corporation Com 31428X106 243 816 SH   SOLE 0 816 0 0
Fedex Corporation Com 31428X106 97 325 SH   OTR 0 325 0 0
Fiserv Inc Com 337738108 498 4,659 SH   SOLE 0 4,659 0 0
Fiserv Inc Com 337738108 93 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 35,650 931,054 SH   SOLE 0 927,283 0 3,771
FlexShares Mstar Glbl Upstrm N Com 33939L407 3,088 80,653 SH   OTR 0 77,701 340 2,612
FlexShares Global Quality Real Com 33939L787 765 11,490 SH   SOLE 0 11,490 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 8,013 139,437 SH   SOLE 0 139,437 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 562 9,780 SH   OTR 0 9,530 0 250
FlexShares International Quali Com 33939L837 818 30,815 SH   SOLE 0 30,815 0 0
FlexShares International Quali Com 33939L837 76 2,850 SH   OTR 0 2,850 0 0
Fortive Corp Com 34959J108 325 4,655 SH   SOLE 0 4,355 0 300
Fortive Corp Com 34959J108 144 2,069 SH   OTR 0 1,225 50 794
General Dynamics Corp Com 369550108 1,031 5,479 SH   SOLE 0 5,329 0 150
General Dynamics Corp Com 369550108 157 835 SH   OTR 0 735 0 100
General Electric Corp Com 369604103 513 38,136 SH   SOLE 0 35,303 0 2,833
General Electric Corp Com 369604103 307 22,795 SH   OTR 0 22,720 0 75
General Mls Inc Com 370334104 686 11,258 SH   SOLE 0 10,760 0 498
General Mls Inc Com 370334104 442 7,255 SH   OTR 0 6,460 100 695
Genuine Parts CO Com 372460105 245 1,935 SH   SOLE 0 1,935 0 0
Gilead Sciences Inc Com 375558103 397 5,770 SH   SOLE 0 5,770 0 0
Gilead Sciences Inc Com 375558103 308 4,480 SH   OTR 0 1,980 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 319 8,013 SH   SOLE 0 7,788 0 225
Glaxo Smithkline Spons ADR Com 37733W105 95 2,387 SH   OTR 0 1,582 55 750
Goldman Sachs Group Inc Com 38141G104 1,479 3,896 SH   SOLE 0 3,876 20 0
Goldman Sachs Group Inc Com 38141G104 1,492 3,930 SH   OTR 0 3,930 0 0
Grainger W W Inc Com 384802104 1,505 3,435 SH   SOLE 0 3,435 0 0
Grainger W W Inc Com 384802104 878 2,005 SH   OTR 0 1,125 100 780
Home Depot Inc Com 437076102 1,308 4,102 SH   SOLE 0 3,684 0 418
Home Depot Inc Com 437076102 1,650 5,173 SH   OTR 0 4,073 150 950
Honeywell International Inc Com 438516106 3,937 17,947 SH   SOLE 0 17,032 0 915
Honeywell International Inc Com 438516106 1,713 7,809 SH   OTR 0 5,685 300 1,824
Illinois Tool Wks Inc Com 452308109 388 1,735 SH   SOLE 0 1,735 0 0
Illinois Tool Wks Inc Com 452308109 101 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 5,496 97,902 SH   SOLE 0 95,377 1,025 1,500
Intel Corp Com 458140100 1,874 33,376 SH   OTR 0 29,701 1,425 2,250
Intercontinental Exchange Inc Com 45866F104 808 6,805 SH   SOLE 0 6,805 0 0
Intercontinental Exchange Inc Com 45866F104 144 1,215 SH   OTR 0 1,015 0 200
Intl. Business Machines Corp Com 459200101 2,731 18,629 SH   SOLE 0 16,096 425 2,108
Intl. Business Machines Corp Com 459200101 2,434 16,601 SH   OTR 0 15,018 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 213 3,493 SH   SOLE 0 3,493 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 96 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 252 11,375 SH   OTR 0 11,375 0 0
Ishares DJ Select Dividend ETF Com 464287168 210 1,800 SH   SOLE 0 1,800 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 376 2,936 SH   SOLE 0 2,936 0 0
Ishares Core S&P 500 ETF Com 464287200 242 562 SH   SOLE 0 562 0 0
Ishares Core Total U.S. Aggreg Com 464287226 347 3,005 SH   SOLE 0 3,005 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 4,569 82,846 SH   SOLE 0 80,515 525 1,806
Ishares Msci Emerging Mkt ETF Com 464287234 1,213 21,999 SH   OTR 0 20,949 200 850
Ishares Msci Eafe ETF Com 464287465 4,047 51,310 SH   SOLE 0 47,876 0 3,434
Ishares Msci Eafe ETF Com 464287465 1,185 15,029 SH   OTR 0 14,414 200 415
Ishares Core S&P Mid-Cap ETF Com 464287507 1,913 7,120 SH   SOLE 0 7,120 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 528 1,966 SH   OTR 0 1,766 0 200
Ishares Nasdaq Biotech ETF Com 464287556 3,821 23,350 SH   SOLE 0 22,458 96 796
Ishares Nasdaq Biotech ETF Com 464287556 2,360 14,420 SH   OTR 0 12,265 540 1,615
Ishares Tr Rus 1000 Val ETF Com 464287598 218 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 297 3,668 SH   SOLE 0 3,668 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 176 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 307 1,132 SH   SOLE 0 1,132 0 0
IShares Russell 1000 ETF Com 464287622 226 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630 324 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 ETF Com 464287655 6,652 29,001 SH   SOLE 0 27,347 0 1,654
Ishares Russell 2000 ETF Com 464287655 842 3,673 SH   OTR 0 3,538 100 35
Ishares DJ US Telcom Sector ET Com 464287713 1,005 30,252 SH   SOLE 0 30,252 0 0
Ishares DJ US Telcom Sector ET Com 464287713 656 19,740 SH   OTR 0 19,540 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 555 4,909 SH   SOLE 0 4,909 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 4,522 60,970 SH   SOLE 0 60,960 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 451 6,085 SH   OTR 0 6,085 0 0
Ishares New York Muni Bond ETF Com 464288323 992 16,967 SH   SOLE 0 16,967 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,883 21,385 SH   SOLE 0 21,385 0 0
Ishares IBoxx High Yield Corpo Com 464288513 4 50 SH   OTR 0 50 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 371 6,763 SH   SOLE 0 6,763 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,494 63,412 SH   SOLE 0 63,412 0 0
Ishares S&P Pref Stk ETF Com 464288687 446 11,329 SH   OTR 0 7,349 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 20,997 195,724 SH   SOLE 0 194,021 0 1,703
Ishares MSCI EAFE Growth ETF Com 464288885 1,381 12,875 SH   OTR 0 12,795 0 80
IShares Russell Top 200 Growth Com 464289438 270 1,790 SH   SOLE 0 1,790 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 264 4,636 SH   SOLE 0 4,636 0 0
iShares Core High Dividend ETF Com 46429B663 716 7,416 SH   SOLE 0 7,416 0 0
Ishares Core Msci Eafe ETF Com 46432F842 10,200 136,253 SH   SOLE 0 136,198 0 55
Ishares Core Msci Eafe ETF Com 46432F842 847 11,320 SH   OTR 0 11,320 0 0
Ishares Core Emerging Markets Com 46434G103 6,308 94,158 SH   SOLE 0 94,158 0 0
Ishares Core Emerging Markets Com 46434G103 1,110 16,567 SH   OTR 0 14,967 0 1,600
IShares Core Intnl Agg Bond ET Com 46435G672 340 6,175 SH   SOLE 0 6,175 0 0
JP Morgan Chase & CO Com 46625H100 9,863 63,414 SH   SOLE 0 61,511 112 1,791
JP Morgan Chase & CO Com 46625H100 7,159 46,025 SH   OTR 0 39,086 515 6,424
JPMorgan Ultra-Short Income ET Com 46641Q837 100 1,970 SH   SOLE 0 1,970 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 152 3,000 SH   OTR 0 0 0 3,000
Jacobs Engineering Group Inc Com 469814107 120 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 397 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 9,985 60,612 SH   SOLE 0 54,812 150 5,650
Johnson & Johnson Com 478160104 5,003 30,369 SH   OTR 0 26,571 310 3,488
Kimberly Clark Corp Com 494368103 517 3,865 SH   SOLE 0 3,865 0 0
Kimberly Clark Corp Com 494368103 100 750 SH   OTR 0 750 0 0
Kraft Heinz CO Com 500754106 209 5,116 SH   SOLE 0 5,116 0 0
Kraft Heinz CO Com 500754106 289 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 419 1,825 SH   SOLE 0 1,297 0 528
Lilly Eli & CO Com 532457108 1,448 6,310 SH   OTR 0 5,285 0 1,025
Lockheed Martin Corp Com 539830109 3,114 8,231 SH   SOLE 0 7,665 0 566
Lockheed Martin Corp Com 539830109 873 2,308 SH   OTR 0 2,308 0 0
Lowes Cos Inc Com 548661107 8,492 43,779 SH   SOLE 0 43,249 25 505
Lowes Cos Inc Com 548661107 4,844 24,972 SH   OTR 0 23,847 325 800
Marsh & McLennan Companies Inc Com 571748102 172 1,224 SH   SOLE 0 1,224 0 0
Marsh & McLennan Companies Inc Com 571748102 60 425 SH   OTR 0 425 0 0
Marriott International Inc Com 571903202 279 2,047 SH   SOLE 0 2,047 0 0
MasTec Inc. Com 576323109 212 2,000 SH   OTR 0 0 0 2,000
Mastercard Inc Cl A Com 57636Q104 239 655 SH   SOLE 0 655 0 0
Mastercard Inc Cl A Com 57636Q104 175 480 SH   OTR 0 480 0 0
McDonalds Corp Com 580135101 7,162 31,004 SH   SOLE 0 30,774 75 155
McDonalds Corp Com 580135101 4,174 18,072 SH   OTR 0 17,229 238 605
Merck & CO Inc Com 58933Y105 3,229 41,515 SH   SOLE 0 40,065 650 800
Merck & CO Inc Com 58933Y105 1,602 20,593 SH   OTR 0 19,628 140 825
Metlife Inc Com 59156R108 370 6,177 SH   SOLE 0 6,177 0 0
Metlife Inc Com 59156R108 98 1,637 SH   OTR 0 1,226 111 300
Microsoft Corp Com 594918104 18,807 69,423 SH   SOLE 0 66,120 215 3,088
Microsoft Corp Com 594918104 10,063 37,145 SH   OTR 0 34,699 580 1,866
Microchip Technology Inc Com 595017104 2,623 17,520 SH   SOLE 0 17,520 0 0
Microchip Technology Inc Com 595017104 814 5,433 SH   OTR 0 4,508 150 775
Mondelez International Inc Com 609207105 538 8,624 SH   SOLE 0 8,210 0 414
Mondelez International Inc Com 609207105 1,162 18,617 SH   OTR 0 18,617 0 0
Morgan Stanley Com 617446448 285 3,103 SH   SOLE 0 3,103 0 0
Morgan Stanley Com 617446448 9 100 SH   OTR 0 100 0 0
NBT Bancorp Inc Com 628778102 5,779 160,669 SH   SOLE 0 64,007 0 96,662
NBT Bancorp Inc Com 628778102 689 19,167 SH   OTR 0 15,901 0 3,266
Netflix Inc Com 64110L106 389 737 SH   SOLE 0 737 0 0
Nextera Energy Inc Com 65339F101 2,315 31,596 SH   SOLE 0 29,796 0 1,800
Nextera Energy Inc Com 65339F101 1,964 26,808 SH   OTR 0 15,618 120 11,070
Nike Inc-Class B Com 654106103 3,034 19,640 SH   SOLE 0 19,640 0 0
Nike Inc-Class B Com 654106103 1,051 6,800 SH   OTR 0 6,800 0 0
Norfolk Southern Corp Com 655844108 1,294 4,874 SH   SOLE 0 4,874 0 0
Norfolk Southern Corp Com 655844108 1,711 6,446 SH   OTR 0 4,331 70 2,045
Novartis Ag Spons ADR Com 66987V109 1,265 13,864 SH   SOLE 0 13,714 0 150
Novartis Ag Spons ADR Com 66987V109 827 9,063 SH   OTR 0 8,963 100 0
Nucor Corp Com 670346105 1,039 10,832 SH   SOLE 0 10,832 0 0
Nucor Corp Com 670346105 511 5,325 SH   OTR 0 4,575 0 750
Nvidia Corp Com 67066G104 973 1,216 SH   SOLE 0 1,075 0 141
Nvidia Corp Com 67066G104 88 110 SH   OTR 0 110 0 0
O'Reilly Automotive Inc Com 67103H107 340 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 3,055 39,245 SH   SOLE 0 37,745 0 1,500
Oracle Corporation Com 68389X105 840 10,785 SH   OTR 0 8,085 0 2,700
Otis Worldwide Corp Com 68902V107 982 12,014 SH   SOLE 0 11,529 50 435
Otis Worldwide Corp Com 68902V107 606 7,405 SH   OTR 0 6,752 553 100
Paypal Holdings Inc Com 70450Y103 477 1,637 SH   SOLE 0 1,397 0 240
Paypal Holdings Inc Com 70450Y103 828 2,840 SH   OTR 0 990 0 1,850
Pepsico Inc Com 713448108 6,541 44,144 SH   SOLE 0 43,471 100 573
Pepsico Inc Com 713448108 2,904 19,597 SH   OTR 0 18,442 345 810
Pfizer Inc Com 717081103 4,366 111,500 SH   SOLE 0 106,979 0 4,521
Pfizer Inc Com 717081103 2,476 63,220 SH   OTR 0 58,971 1,385 2,864
Philip Morris International Com 718172109 863 8,711 SH   SOLE 0 8,036 0 675
Philip Morris International Com 718172109 2,580 26,027 SH   OTR 0 26,027 0 0
T Rowe Price Group Inc Com 74144T108 4,837 24,435 SH   SOLE 0 24,385 50 0
T Rowe Price Group Inc Com 74144T108 2,853 14,410 SH   OTR 0 13,930 295 185
Procter & Gamble CO Com 742718109 8,590 63,660 SH   SOLE 0 58,712 425 4,523
Procter & Gamble CO Com 742718109 4,757 35,256 SH   OTR 0 30,861 380 4,015
Prudential Finl Inc Com 744320102 1,406 13,722 SH   SOLE 0 13,672 50 0
Prudential Finl Inc Com 744320102 1,298 12,667 SH   OTR 0 12,317 150 200
Public Service Enterprise Grou Com 744573106 118 1,972 SH   SOLE 0 1,972 0 0
Public Service Enterprise Grou Com 744573106 152 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,570 24,978 SH   SOLE 0 24,553 0 425
Qualcomm Inc Com 747525103 1,911 13,369 SH   OTR 0 12,644 225 500
Quanta Services Incorporated Com 74762E102 611 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,370 39,507 SH   SOLE 0 38,537 100 870
Raytheon Technologies Corp Com 75513E101 2,447 28,685 SH   OTR 0 24,694 1,186 2,805
Rockwell Automation Inc Com 773903109 152 530 SH   SOLE 0 530 0 0
Rockwell Automation Inc Com 773903109 72 250 SH   OTR 0 250 0 0
Royal Dutch Shell PLC Spons AD Com 780259107 217 5,600 SH   OTR 0 2,000 0 3,600
S&P Global Inc Com 78409V104 698 1,700 SH   OTR 0 0 0 1,700
SPDR S&P 500 ETF Trust Com 78462F103 5,345 12,486 SH   SOLE 0 11,836 0 650
SPDR S&P 500 ETF Trust Com 78462F103 785 1,835 SH   OTR 0 1,475 160 200
SPDR Gold Trust Com 78463V107 345 2,083 SH   SOLE 0 1,983 0 100
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 373 8,204 SH   SOLE 0 8,204 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,838 104,313 SH   SOLE 0 104,313 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,098 29,852 SH   OTR 0 29,852 0 0
SPDR Preferred Stock ETF Com 78464A292 279 6,310 SH   SOLE 0 6,310 0 0
SPDR Portfolio Intermediate Te Com 78464A375 720 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,178 33,243 SH   SOLE 0 32,743 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,413 21,562 SH   OTR 0 21,362 100 100
SPDR S&P Dividend ETF Com 78464A763 10,344 84,589 SH   SOLE 0 84,589 0 0
SPDR S&P Dividend ETF Com 78464A763 960 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 158 3,077 SH   SOLE 0 3,077 0 0
SPDR S&P Bank ETF Com 78464A797 43 830 SH   OTR 0 730 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,291 3,744 SH   SOLE 0 3,744 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 241 700 SH   OTR 0 600 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 8,322 16,949 SH   SOLE 0 15,823 0 1,126
Midcap SPDR Trust Series 1 Com 78467Y107 934 1,903 SH   OTR 0 1,801 50 52
Salesforce.Com Com 79466L302 2,219 9,083 SH   SOLE 0 8,923 20 140
Salesforce.Com Com 79466L302 1,478 6,050 SH   OTR 0 6,050 0 0
Schlumberger Ltd Com 806857108 827 25,841 SH   SOLE 0 25,026 0 815
Schlumberger Ltd Com 806857108 459 14,326 SH   OTR 0 14,166 160 0
Charles Schwab Corp Com 808513105 207 2,847 SH   SOLE 0 2,847 0 0
Charles Schwab Corp Com 808513105 260 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 1,617 15,525 SH   SOLE 0 15,525 0 0
Schwab US Small Cap ETF Com 808524607 102 975 SH   OTR 0 975 0 0
Schwab Fundamental Intl Lg Co Com 808524755 267 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 7,027 92,926 SH   SOLE 0 91,027 0 1,899
Schwab US Dividend Equity ETF Com 808524797 1,194 15,790 SH   OTR 0 15,790 0 0
Schwab International Equity ET Com 808524805 3,039 77,040 SH   SOLE 0 77,040 0 0
Schwab International Equity ET Com 808524805 515 13,044 SH   OTR 0 12,379 0 665
Schwab US Aggregate Bd ETF Com 808524839 1,073 19,651 SH   SOLE 0 19,651 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,558 28,539 SH   OTR 0 28,074 0 465
Materials Select SPDR Fund Com 81369Y100 1,673 20,322 SH   SOLE 0 18,276 0 2,046
Materials Select SPDR Fund Com 81369Y100 793 9,636 SH   OTR 0 8,816 375 445
Health Care Select Sector SPDR Com 81369Y209 1,228 9,752 SH   SOLE 0 8,993 0 759
Health Care Select Sector SPDR Com 81369Y209 19 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 722 10,314 SH   SOLE 0 8,579 0 1,735
Consumer Staples Select Sector Com 81369Y308 29 410 SH   OTR 0 130 100 180
Consumer Discretionary Selt Com 81369Y407 1,735 9,719 SH   SOLE 0 7,889 0 1,830
Consumer Discretionary Selt Com 81369Y407 204 1,145 SH   OTR 0 770 250 125
Energy Select Sector SPDR Com 81369Y506 474 8,807 SH   SOLE 0 8,232 0 575
Energy Select Sector SPDR Com 81369Y506 97 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 1,097 29,886 SH   SOLE 0 27,197 0 2,689
Financial Select Sector SPDR Com 81369Y605 88 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 1,272 12,422 SH   SOLE 0 12,049 0 373
Industrial Select Sector SPDR Com 81369Y704 69 670 SH   OTR 0 580 0 90
Technology Select Sect SPDR Com 81369Y803 2,723 18,443 SH   SOLE 0 18,182 162 99
Technology Select Sect SPDR Com 81369Y803 238 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 1,011 22,806 SH   SOLE 0 20,688 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,555 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 2,022 31,980 SH   SOLE 0 27,277 0 4,703
Utilities Select Sector SPDR Com 81369Y886 994 15,726 SH   OTR 0 14,749 475 502
Simon Ppty Group Inc Com 828806109 13 100 SH   SOLE 0 100 0 0
Simon Ppty Group Inc Com 828806109 235 1,800 SH   OTR 0 1,800 0 0
Skyworks Solutions Inc Com 83088M102 345 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,071 17,698 SH   SOLE 0 17,698 0 0
Southern Company Com 842587107 658 10,875 SH   OTR 0 10,750 0 125
Starbucks Corp Com 855244109 158 1,416 SH   SOLE 0 1,416 0 0
Starbucks Corp Com 855244109 555 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 231 2,812 SH   SOLE 0 2,812 0 0
State Street Corp Com 857477103 47 575 SH   OTR 0 575 0 0
Stericycle Inc Com 858912108 217 3,030 SH   SOLE 0 3,030 0 0
Stericycle Inc Com 858912108 118 1,650 SH   OTR 0 800 0 850
Stryker Corporation Com 863667101 269 1,037 SH   SOLE 0 1,037 0 0
Sysco Corp Com 871829107 412 5,297 SH   SOLE 0 5,297 0 0
Sysco Corp Com 871829107 498 6,399 SH   OTR 0 5,974 0 425
TJX Cos Inc Com 872540109 2,491 36,949 SH   SOLE 0 35,349 300 1,300
TJX Cos Inc Com 872540109 2,504 37,145 SH   OTR 0 32,601 340 4,204
Target Corp Com 87612E106 4,325 17,890 SH   SOLE 0 17,615 0 275
Target Corp Com 87612E106 3,315 13,712 SH   OTR 0 11,022 125 2,565
Texas Instruments Inc Com 882508104 157 817 SH   SOLE 0 817 0 0
Texas Instruments Inc Com 882508104 56 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 8 16 SH   SOLE 0 16 0 0
Thermo Fisher Scientific Inc Com 883556102 580 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 2,261 11,385 SH   SOLE 0 10,308 330 747
3m CO Com 88579Y101 507 2,555 SH   OTR 0 1,950 235 370
Truist Financial Corporation Com 89832Q109 383 6,901 SH   SOLE 0 6,495 0 406
Truist Financial Corporation Com 89832Q109 154 2,775 SH   OTR 0 2,775 0 0
US Bancorp New Com 902973304 1,007 17,671 SH   SOLE 0 17,671 0 0
US Bancorp New Com 902973304 462 8,115 SH   OTR 0 4,929 470 2,716
Union Pac Corp Com 907818108 4,348 19,771 SH   SOLE 0 18,863 0 908
Union Pac Corp Com 907818108 3,745 17,028 SH   OTR 0 15,448 0 1,580
United Parcel Service Cl B Com 911312106 829 3,986 SH   SOLE 0 3,986 0 0
United Parcel Service Cl B Com 911312106 408 1,964 SH   OTR 0 1,964 0 0
Unitedhealth Group Inc Com 91324P102 3,181 7,945 SH   SOLE 0 7,745 0 200
Unitedhealth Group Inc Com 91324P102 2,053 5,127 SH   OTR 0 4,142 90 895
Univest Corp of Pennsylvania Com 915271100 311 11,812 SH   OTR 0 11,812 0 0
V.F. Corp Com 918204108 159 1,941 SH   SOLE 0 1,941 0 0
V.F. Corp Com 918204108 42 513 SH   OTR 0 513 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 1,155 12,678 SH   SOLE 0 11,833 50 795
Vaneck Vectors Agribusiness ET Com 92189F700 1,027 11,273 SH   OTR 0 11,048 125 100
Vanguard Dividend Appreciation Com 921908844 128 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 155 1,000 SH   OTR 0 1,000 0 0
Vanguard Bd Index Long Term Bo Com 921937793 288 2,800 SH   OTR 0 2,800 0 0
Vanguard Intermediate-Term Bon Com 921937819 497 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 34 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 496 5,771 SH   SOLE 0 5,771 0 0
Vanguard FTSE Developed Market Com 921943858 142 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 179 3,475 SH   OTR 0 3,475 0 0
Vanguard High Dividend Yield E Com 921946406 130 1,240 SH   SOLE 0 1,240 0 0
Vanguard High Dividend Yield E Com 921946406 80 760 SH   OTR 0 760 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,790 32,951 SH   SOLE 0 32,951 0 0
Vanguard Ftse Emerging Markets Com 922042858 539 9,923 SH   OTR 0 9,423 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,104 11,611 SH   SOLE 0 11,611 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,571 16,523 SH   OTR 0 16,523 0 0
Vanguard S&P 500 ETF Com 922908363 10,058 25,560 SH   SOLE 0 25,373 0 187
Vanguard Mid-Cap Value Index F Com 922908512 433 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 1,179 11,583 SH   SOLE 0 11,583 0 0
Vanguard Real Estate ETF Com 922908553 542 5,329 SH   OTR 0 4,990 239 100
Vanguard Index Fund Mid-Cap Com 922908629 150 634 SH   SOLE 0 634 0 0
Vanguard Index Fund Mid-Cap Com 922908629 97 410 SH   OTR 0 410 0 0
Vanguard Large-Cap ETF Com 922908637 202 1,005 SH   OTR 0 1,005 0 0
Vanguard Small-Cap ETF Com 922908751 105 468 SH   SOLE 0 468 0 0
Vanguard Small-Cap ETF Com 922908751 96 425 SH   OTR 0 425 0 0
Veoneer Incorporated Com Com 92336X109 219 9,521 SH   SOLE 0 9,521 0 0
Veoneer Incorporated Com Com 92336X109 286 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,345 59,701 SH   SOLE 0 55,466 830 3,405
Verizon Communications Com 92343V104 2,165 38,638 SH   OTR 0 32,767 225 5,646
Visa Inc Cl A Com 92826C839 2,036 8,706 SH   SOLE 0 8,706 0 0
Visa Inc Cl A Com 92826C839 1,910 8,170 SH   OTR 0 6,970 100 1,100
Wal Mart Inc Com 931142103 2,081 14,760 SH   SOLE 0 14,360 0 400
Wal Mart Inc Com 931142103 1,756 12,449 SH   OTR 0 10,833 350 1,266
Walgreens Boots Alliance Inc Com 931427108 296 5,628 SH   SOLE 0 5,628 0 0
Walgreens Boots Alliance Inc Com 931427108 75 1,420 SH   OTR 0 820 0 600
Waste Management Inc Com 94106L109 81 575 SH   SOLE 0 575 0 0
Waste Management Inc Com 94106L109 207 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,406 31,042 SH   SOLE 0 30,095 0 947
Wells Fargo & CO Com 949746101 611 13,500 SH   OTR 0 10,560 755 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 1,977 47,118 SH   SOLE 0 46,355 0 763
WisdomTree MidCap Dividend ETF Com 97717W505 236 5,633 SH   OTR 0 2,623 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 566 17,735 SH   SOLE 0 17,607 0 128
WisdomTree SmallCap Dividend E Com 97717W604 15 482 SH   OTR 0 482 0 0
Xylem Inc Com 98419M100 441 3,679 SH   SOLE 0 3,679 0 0
Xylem Inc Com 98419M100 246 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 409 3,559 SH   SOLE 0 3,559 0 0
Yum! Brands Inc Com 988498101 94 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 494 3,072 SH   SOLE 0 2,742 60 270
Zimmer Biomet Holdings Inc Com 98956P102 365 2,272 SH   OTR 0 2,192 0 80
Deutsche Bank Ag ADR Com D18190898 131 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 78 263 SH   SOLE 0 263 0 0
Accenture PLC Cl A Com G1151C101 383 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 596 4,021 SH   SOLE 0 4,021 0 0
Eaton Corp PLC Com G29183103 769 5,189 SH   OTR 0 4,114 0 1,075
Linde PLC Com G5494J103 1,841 6,368 SH   SOLE 0 6,368 0 0
Linde PLC Com G5494J103 997 3,449 SH   OTR 0 2,524 0 925
Medtronic PLC Com G5960L103 1,236 9,958 SH   SOLE 0 9,958 0 0
Medtronic PLC Com G5960L103 1,050 8,462 SH   OTR 0 8,391 71 0