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 1,918 63,457 SH   SOLE 0 62,057 0 1,400
AT&T Inc Com 00206R102 1,434 47,431 SH   OTR 0 41,768 400 5,263
Abbott Labs Com 002824100 5,521 60,385 SH   SOLE 0 59,885 0 500
Abbott Labs Com 002824100 2,020 22,091 SH   OTR 0 20,190 621 1,280
Abbvie Inc Com 00287Y109 2,486 25,320 SH   SOLE 0 25,120 0 200
Abbvie Inc Com 00287Y109 1,860 18,947 SH   OTR 0 15,452 295 3,200
Activision Blizzard, Inc Com 00507V109 742 9,772 SH   SOLE 0 9,772 0 0
Activision Blizzard, Inc Com 00507V109 489 6,445 SH   OTR 0 6,445 0 0
Air Products & Chemicals Inc Com 009158106 1,485 6,151 SH   SOLE 0 6,151 0 0
Air Products & Chemicals Inc Com 009158106 465 1,925 SH   OTR 0 1,925 0 0
Alphabet Inc Cl C Com 02079K107 3,340 2,363 SH   SOLE 0 2,308 0 55
Alphabet Inc Cl C Com 02079K107 3,124 2,210 SH   OTR 0 2,080 0 130
Alphabet Inc Cl A Com 02079K305 2,828 1,994 SH   SOLE 0 1,974 0 20
Alphabet Inc Cl A Com 02079K305 691 487 SH   OTR 0 372 0 115
Altria Group Inc Com 02209S103 472 12,030 SH   SOLE 0 11,255 0 775
Altria Group Inc Com 02209S103 1,375 35,042 SH   OTR 0 34,342 0 700
Amazon.Com Inc Com 023135106 1,733 628 SH   SOLE 0 628 0 0
Amazon.Com Inc Com 023135106 858 311 SH   OTR 0 251 0 60
American Express CO Com 025816109 517 5,427 SH   SOLE 0 5,427 0 0
American Express CO Com 025816109 319 3,351 SH   OTR 0 1,365 0 1,986
American Tower Corp REIT Com 03027X100 145 559 SH   SOLE 0 559 0 0
American Tower Corp REIT Com 03027X100 185 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,383 10,749 SH   SOLE 0 10,749 0 0
American Water Works CO Inc Com 030420103 985 7,655 SH   OTR 0 6,125 100 1,430
Amgen Inc Com 031162100 608 2,578 SH   SOLE 0 2,578 0 0
Amgen Inc Com 031162100 392 1,660 SH   OTR 0 1,660 0 0
Apache Corp Com 037411105 149 11,034 SH   SOLE 0 11,034 0 0
Apache Corp Com 037411105 38 2,780 SH   OTR 0 2,680 100 0
Apple Inc Com 037833100 16,399 44,953 SH   SOLE 0 41,858 105 2,990
Apple Inc Com 037833100 9,127 25,018 SH   OTR 0 21,438 785 2,795
Arrow Finl Corp Com 042744102 268 9,005 SH   SOLE 0 1,517 0 7,488
Arrow Finl Corp Com 042744102 106 3,581 SH   OTR 0 3,581 0 0
Autoliv Inc Com 052800109 658 10,201 SH   SOLE 0 9,451 0 750
Autoliv Inc Com 052800109 823 12,762 SH   OTR 0 12,762 0 0
Automatic Data Processing Inc Com 053015103 3,463 23,260 SH   SOLE 0 22,980 0 280
Automatic Data Processing Inc Com 053015103 984 6,608 SH   OTR 0 5,988 140 480
BP PLC Spons ADR Com 055622104 71 3,035 SH   SOLE 0 3,035 0 0
BP PLC Spons ADR Com 055622104 193 8,280 SH   OTR 0 8,280 0 0
Bank of America Corp Com 060505104 568 23,915 SH   SOLE 0 23,915 0 0
Bank of America Corp Com 060505104 253 10,673 SH   OTR 0 10,673 0 0
Bank of New York Mellon Corp Com 064058100 421 10,886 SH   SOLE 0 10,886 0 0
Bank of New York Mellon Corp Com 064058100 32 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 673 7,817 SH   SOLE 0 7,817 0 0
Baxter Intl Inc Com 071813109 306 3,555 SH   OTR 0 1,995 100 1,460
Becton Dickinson Com 075887109 349 1,457 SH   SOLE 0 1,457 0 0
Becton Dickinson Com 075887109 253 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 1,993 11,166 SH   SOLE 0 10,936 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,604 8,988 SH   OTR 0 8,968 20 0
Best Buy Company Inc Com 086516101 394 4,518 SH   SOLE 0 4,518 0 0
Best Buy Company Inc Com 086516101 34 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 153 3,074 SH   SOLE 0 2,874 0 200
BHP Group Ltd Spons ADR Com 088606108 78 1,575 SH   OTR 0 1,525 0 50
Blackrock Inc Cl A Com 09247X101 32 59 SH   SOLE 0 59 0 0
Blackrock Inc Cl A Com 09247X101 261 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 882 4,812 SH   SOLE 0 4,577 0 235
Boeing CO Com 097023105 1,493 8,143 SH   OTR 0 7,993 150 0
Bristol Myers Squibb CO Com 110122108 3,864 65,714 SH   SOLE 0 62,869 725 2,120
Bristol Myers Squibb CO Com 110122108 2,252 38,295 SH   OTR 0 32,665 250 5,380
Csx Corp Com 126408103 211 3,031 SH   SOLE 0 3,031 0 0
Csx Corp Com 126408103 151 2,160 SH   OTR 0 2,160 0 0
CVS Health Corp Com 126650100 2,265 34,862 SH   SOLE 0 34,222 0 640
CVS Health Corp Com 126650100 1,119 17,223 SH   OTR 0 13,708 340 3,175
Carrier Global Corporation Com 14448C104 681 30,639 SH   SOLE 0 29,959 100 580
Carrier Global Corporation Com 14448C104 581 26,129 SH   OTR 0 22,288 1,186 2,655
Caterpillar Inc Com 149123101 1,626 12,850 SH   SOLE 0 12,850 0 0
Caterpillar Inc Com 149123101 1,382 10,925 SH   OTR 0 10,580 45 300
Chevron Corporation Com 166764100 4,154 46,556 SH   SOLE 0 45,166 375 1,015
Chevron Corporation Com 166764100 2,987 33,473 SH   OTR 0 31,745 385 1,343
Cisco Systems Inc Com 17275R102 3,286 70,465 SH   SOLE 0 67,710 0 2,755
Cisco Systems Inc Com 17275R102 2,324 49,821 SH   OTR 0 48,621 595 605
Citigroup Inc Com 172967424 581 11,363 SH   SOLE 0 11,363 0 0
Citigroup Inc Com 172967424 377 7,370 SH   OTR 0 6,470 150 750
Clorox Company Com 189054109 1,194 5,442 SH   SOLE 0 5,442 0 0
Clorox Company Com 189054109 671 3,060 SH   OTR 0 2,575 0 485
Coca Cola CO Com 191216100 2,166 48,467 SH   SOLE 0 42,857 960 4,650
Coca Cola CO Com 191216100 904 20,230 SH   OTR 0 14,965 150 5,115
Cognizant Technology Solutions Com 192446102 198 3,486 SH   SOLE 0 3,486 0 0
Cognizant Technology Solutions Com 192446102 13 234 SH   OTR 0 234 0 0
Colgate Palmolive CO Com 194162103 1,146 15,637 SH   SOLE 0 13,807 430 1,400
Colgate Palmolive CO Com 194162103 627 8,560 SH   OTR 0 4,860 0 3,700
ComCast Corp-Cl A Com 20030N101 983 25,211 SH   SOLE 0 23,429 0 1,782
ComCast Corp-Cl A Com 20030N101 427 10,963 SH   OTR 0 8,740 650 1,573
Conocophillips Com 20825C104 330 7,859 SH   SOLE 0 7,759 100 0
Conocophillips Com 20825C104 107 2,537 SH   OTR 0 2,287 100 150
Corning Inc Com 219350105 391 15,101 SH   SOLE 0 15,101 0 0
Corning Inc Com 219350105 436 16,850 SH   OTR 0 14,100 900 1,850
Corteva Inc Com Com 22052L104 86 3,194 SH   SOLE 0 3,103 0 91
Corteva Inc Com Com 22052L104 226 8,447 SH   OTR 0 7,937 0 510
Costco Wholesale Corp Com 22160K105 537 1,771 SH   SOLE 0 1,771 0 0
Costco Wholesale Corp Com 22160K105 347 1,144 SH   OTR 0 504 0 640
DTE Energy Co Com 233331107 382 3,554 SH   SOLE 0 3,554 0 0
Danaher Corp Com 235851102 3,909 22,108 SH   SOLE 0 20,278 0 1,830
Danaher Corp Com 235851102 2,176 12,308 SH   OTR 0 10,658 140 1,510
Deere & CO Com 244199105 1,491 9,490 SH   SOLE 0 9,300 25 165
Deere & CO Com 244199105 1,788 11,379 SH   OTR 0 11,309 70 0
Diamond Offshore Drilling Inc Com 25271C102 3 10,000 SH   OTR 0 10,000 0 0
Digital Realty Trust Inc REIT Com 253868103 128 898 SH   SOLE 0 898 0 0
Digital Realty Trust Inc REIT Com 253868103 170 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 4,064 36,442 SH   SOLE 0 35,657 0 785
Disney Walt CO New Com 254687106 2,513 22,539 SH   OTR 0 21,074 570 895
Dominion Resources Inc Com 25746U109 1,266 15,593 SH   SOLE 0 15,283 0 310
Dominion Resources Inc Com 25746U109 805 9,915 SH   OTR 0 7,395 80 2,440
Dow Inc Com Com 260557103 556 13,639 SH   SOLE 0 13,548 0 91
Dow Inc Com Com 260557103 533 13,074 SH   OTR 0 11,818 16 1,240
Duke Energy Corp Com 26441C204 244 3,053 SH   SOLE 0 2,753 300 0
Duke Energy Corp Com 26441C204 149 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 791 14,890 SH   SOLE 0 14,799 0 91
Dupont De Nemours Inc Com 26614N102 747 14,061 SH   OTR 0 12,918 16 1,127
Ecolab Inc Com 278865100 1,486 7,467 SH   SOLE 0 7,467 0 0
Ecolab Inc Com 278865100 575 2,890 SH   OTR 0 2,250 40 600
Emerson Elec CO Com 291011104 764 12,315 SH   SOLE 0 12,315 0 0
Emerson Elec CO Com 291011104 363 5,856 SH   OTR 0 5,756 100 0
Exelon Corp Com 30161N101 132 3,638 SH   SOLE 0 3,638 0 0
Exelon Corp Com 30161N101 122 3,365 SH   OTR 0 3,015 0 350
Exxonmobil Corp Com 30231G102 4,255 95,147 SH   SOLE 0 90,902 820 3,425
Exxonmobil Corp Com 30231G102 3,344 74,781 SH   OTR 0 70,981 635 3,165
Facebook Inc-A Com 30303M102 1,129 4,972 SH   SOLE 0 4,972 0 0
Facebook Inc-A Com 30303M102 1,010 4,449 SH   OTR 0 4,449 0 0
Fiserv Inc Com 337738108 653 6,691 SH   SOLE 0 6,691 0 0
Fiserv Inc Com 337738108 124 1,274 SH   OTR 0 1,274 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 34,756 1,257,458 SH   SOLE 0 1,249,127 0 8,331
FlexShares Mstar Glbl Upstrm N Com 33939L407 3,438 124,369 SH   OTR 0 117,637 340 6,392
FlexShares Global Quality Real Com 33939L787 888 17,285 SH   SOLE 0 17,285 0 0
FlexShares Global Quality Real Com 33939L787 2 30 SH   OTR 0 30 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 3,685 77,097 SH   SOLE 0 77,097 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 255 5,325 SH   OTR 0 4,795 0 530
FlexShares International Quali Com 33939L837 555 27,595 SH   SOLE 0 27,595 0 0
FlexShares International Quali Com 33939L837 65 3,240 SH   OTR 0 3,240 0 0
Fortive Corp Com 34959J108 380 5,616 SH   SOLE 0 5,006 0 610
Fortive Corp Com 34959J108 151 2,229 SH   OTR 0 1,385 50 794
General Dynamics Corp Com 369550108 813 5,441 SH   SOLE 0 5,291 0 150
General Dynamics Corp Com 369550108 161 1,080 SH   OTR 0 980 0 100
General Electric Corp Com 369604103 233 34,171 SH   SOLE 0 34,171 0 0
General Electric Corp Com 369604103 234 34,220 SH   OTR 0 33,195 0 1,025
General Mls Inc Com 370334104 663 10,755 SH   SOLE 0 10,755 0 0
General Mls Inc Com 370334104 540 8,755 SH   OTR 0 6,960 100 1,695
Gilead Sciences Inc Com 375558103 366 4,751 SH   SOLE 0 4,751 0 0
Gilead Sciences Inc Com 375558103 314 4,080 SH   OTR 0 1,580 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 303 7,426 SH   SOLE 0 7,426 0 0
Glaxo Smithkline Spons ADR Com 37733W105 213 5,212 SH   OTR 0 4,207 255 750
Goldman Sachs Group Inc Com 38141G104 767 3,880 SH   SOLE 0 3,860 20 0
Goldman Sachs Group Inc Com 38141G104 752 3,805 SH   OTR 0 3,805 0 0
Grainger W W Inc Com 384802104 1,068 3,400 SH   SOLE 0 3,400 0 0
Grainger W W Inc Com 384802104 735 2,340 SH   OTR 0 1,370 100 870
Home Depot Inc Com 437076102 829 3,308 SH   SOLE 0 3,308 0 0
Home Depot Inc Com 437076102 1,621 6,470 SH   OTR 0 5,070 150 1,250
Honeywell International Inc Com 438516106 2,588 17,897 SH   SOLE 0 17,032 0 865
Honeywell International Inc Com 438516106 1,184 8,186 SH   OTR 0 5,395 300 2,491
Illinois Tool Wks Inc Com 452308109 323 1,846 SH   SOLE 0 1,846 0 0
Illinois Tool Wks Inc Com 452308109 79 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 6,628 110,786 SH   SOLE 0 108,086 1,200 1,500
Intel Corp Com 458140100 2,635 44,044 SH   OTR 0 40,944 1,250 1,850
Intercontinental Exchange Inc Com 45866F104 635 6,935 SH   SOLE 0 6,935 0 0
Intercontinental Exchange Inc Com 45866F104 111 1,215 SH   OTR 0 1,015 0 200
Intl. Business Machines Corp Com 459200101 1,501 12,431 SH   SOLE 0 11,041 435 955
Intl. Business Machines Corp Com 459200101 1,533 12,696 SH   OTR 0 11,113 0 1,583
Invesco Tr II Senior Loan ETF Com 46138G508 93 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 168 7,875 SH   OTR 0 7,875 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 345 2,801 SH   SOLE 0 2,801 0 0
Ishares Core Total U.S. Aggreg Com 464287226 229 1,941 SH   SOLE 0 1,941 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,045 76,132 SH   SOLE 0 75,306 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 673 16,829 SH   OTR 0 15,814 290 725
Ishares Msci Eafe ETF Com 464287465 2,769 45,484 SH   SOLE 0 45,484 0 0
Ishares Msci Eafe ETF Com 464287465 751 12,334 SH   OTR 0 11,774 235 325
Ishares Russell Mid Cap ETF Com 464287499 252 4,695 SH   SOLE 0 4,695 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,535 8,634 SH   SOLE 0 8,634 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 367 2,066 SH   OTR 0 1,866 0 200
Ishares Nasdaq Biotech ETF Com 464287556 3,132 22,912 SH   SOLE 0 22,324 96 492
Ishares Nasdaq Biotech ETF Com 464287556 2,023 14,797 SH   OTR 0 12,617 615 1,565
Ishares S&P Midcap 400/Grwth E Com 464287606 199 890 SH   SOLE 0 890 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 122 545 SH   OTR 0 545 0 0
Ishares Russell 1000 Growth ET Com 464287614 217 1,132 SH   SOLE 0 1,132 0 0
Ishares Russell 2000 ETF Com 464287655 4,213 29,427 SH   SOLE 0 28,725 0 702
Ishares Russell 2000 ETF Com 464287655 478 3,338 SH   OTR 0 3,143 160 35
Ishares DJ US Telcom Sector ET Com 464287713 691 25,082 SH   SOLE 0 25,082 0 0
Ishares DJ US Telcom Sector ET Com 464287713 541 19,615 SH   OTR 0 19,415 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 266 3,894 SH   SOLE 0 3,894 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 3,175 59,205 SH   SOLE 0 59,195 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 421 7,850 SH   OTR 0 7,850 0 0
Ishares New York Muni Bond ETF Com 464288323 900 15,642 SH   SOLE 0 15,642 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,252 15,345 SH   SOLE 0 15,345 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 245 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,183 63,029 SH   SOLE 0 63,029 0 0
Ishares S&P Pref Stk ETF Com 464288687 554 15,997 SH   OTR 0 12,017 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 18,802 226,231 SH   SOLE 0 223,989 0 2,242
Ishares MSCI EAFE Growth ETF Com 464288885 1,399 16,830 SH   OTR 0 16,830 0 0
IShares Russell Top 200 Growth Com 464289438 223 2,090 SH   SOLE 0 2,090 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 237 4,100 SH   SOLE 0 4,100 0 0
iShares Core High Dividend ETF Com 46429B663 276 3,396 SH   SOLE 0 3,396 0 0
Ishares Core Msci Eafe ETF Com 46432F842 4,158 72,738 SH   SOLE 0 72,683 0 55
Ishares Core Msci Eafe ETF Com 46432F842 395 6,905 SH   OTR 0 6,905 0 0
Ishares Core Emerging Markets Com 46434G103 2,859 60,068 SH   SOLE 0 60,068 0 0
Ishares Core Emerging Markets Com 46434G103 657 13,795 SH   OTR 0 11,770 0 2,025
JP Morgan Chase & CO Com 46625H100 6,481 68,900 SH   SOLE 0 67,813 112 975
JP Morgan Chase & CO Com 46625H100 4,762 50,630 SH   OTR 0 43,430 640 6,560
J P Morgan Exchange-traded Fd Com 46641Q837 254 5,000 SH   OTR 0 0 0 5,000
Jacobs Engineering Group Inc Com 469814107 76 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 252 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 8,403 59,752 SH   SOLE 0 55,859 150 3,743
Johnson & Johnson Com 478160104 4,489 31,918 SH   OTR 0 27,943 310 3,665
Keycorp Com 493267108 34 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 174 14,300 SH   OTR 0 14,300 0 0
Kimberly Clark Corp Com 494368103 557 3,938 SH   SOLE 0 3,938 0 0
Kimberly Clark Corp Com 494368103 131 925 SH   OTR 0 925 0 0
Kraft Heinz CO Com 500754106 72 2,271 SH   SOLE 0 2,271 0 0
Kraft Heinz CO Com 500754106 226 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 336 2,044 SH   SOLE 0 1,516 0 528
Lilly Eli & CO Com 532457108 1,024 6,235 SH   OTR 0 5,210 0 1,025
Lockheed Martin Corp Com 539830109 2,764 7,574 SH   SOLE 0 7,059 0 515
Lockheed Martin Corp Com 539830109 760 2,083 SH   OTR 0 2,083 0 0
Lowes Cos Inc Com 548661107 6,639 49,131 SH   SOLE 0 48,731 25 375
Lowes Cos Inc Com 548661107 3,588 26,557 SH   OTR 0 25,222 335 1,000
Mastercard Inc Cl A Com 57636Q104 184 621 SH   SOLE 0 621 0 0
Mastercard Inc Cl A Com 57636Q104 164 555 SH   OTR 0 555 0 0
McDonalds Corp Com 580135101 5,907 32,020 SH   SOLE 0 31,915 75 30
McDonalds Corp Com 580135101 3,501 18,981 SH   OTR 0 18,066 240 675
Merck & CO Inc Com 58933Y105 3,251 42,044 SH   SOLE 0 40,569 675 800
Merck & CO Inc Com 58933Y105 1,691 21,862 SH   OTR 0 20,897 140 825
Metlife Inc Com 59156R108 319 8,725 SH   SOLE 0 8,725 0 0
Metlife Inc Com 59156R108 60 1,637 SH   OTR 0 1,226 111 300
Microsoft Corp Com 594918104 15,797 77,624 SH   SOLE 0 75,209 225 2,190
Microsoft Corp Com 594918104 8,452 41,529 SH   OTR 0 38,513 695 2,321
Microchip Technology Inc Com 595017104 1,902 18,063 SH   SOLE 0 18,063 0 0
Microchip Technology Inc Com 595017104 583 5,533 SH   OTR 0 4,608 150 775
Mondelez International Inc Com 609207105 505 9,872 SH   SOLE 0 9,458 0 414
Mondelez International Inc Com 609207105 911 17,817 SH   OTR 0 17,817 0 0
NBT Bancorp Inc Com 628778102 6,254 203,323 SH   SOLE 0 126,982 0 76,341
NBT Bancorp Inc Com 628778102 710 23,094 SH   OTR 0 19,828 0 3,266
Netflix Inc Com 64110L106 331 727 SH   SOLE 0 727 0 0
Nextera Energy Inc Com 65339F101 1,952 8,127 SH   SOLE 0 7,677 0 450
Nextera Energy Inc Com 65339F101 1,845 7,682 SH   OTR 0 4,787 30 2,865
Nike Inc-Class B Com 654106103 2,128 21,700 SH   SOLE 0 21,700 0 0
Nike Inc-Class B Com 654106103 730 7,450 SH   OTR 0 7,450 0 0
Norfolk Southern Corp Com 655844108 847 4,822 SH   SOLE 0 4,822 0 0
Norfolk Southern Corp Com 655844108 1,277 7,275 SH   OTR 0 4,780 70 2,425
Novartis Ag Spons ADR Com 66987V109 1,298 14,867 SH   SOLE 0 14,867 0 0
Novartis Ag Spons ADR Com 66987V109 847 9,702 SH   OTR 0 9,552 150 0
Nucor Corp Com 670346105 326 7,865 SH   SOLE 0 7,865 0 0
Nucor Corp Com 670346105 253 6,100 SH   OTR 0 4,650 0 1,450
Nvidia Corp Com 67066G104 234 615 SH   SOLE 0 615 0 0
Nvidia Corp Com 67066G104 156 410 SH   OTR 0 410 0 0
O'Reilly Automotive Inc Com 67103H107 253 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 2,329 42,138 SH   SOLE 0 40,638 0 1,500
Oracle Corporation Com 68389X105 618 11,190 SH   OTR 0 8,690 0 2,500
Otis Worldwide Corp Com 68902V107 868 15,274 SH   SOLE 0 14,934 50 290
Otis Worldwide Corp Com 68902V107 697 12,258 SH   OTR 0 11,138 593 527
Paypal Holdings Inc Com 70450Y103 245 1,407 SH   SOLE 0 1,407 0 0
Paypal Holdings Inc Com 70450Y103 565 3,240 SH   OTR 0 990 0 2,250
Pepsico Inc Com 713448108 6,262 47,347 SH   SOLE 0 46,947 100 300
Pepsico Inc Com 713448108 2,812 21,263 SH   OTR 0 20,108 345 810
Pfizer Inc Com 717081103 3,527 107,848 SH   SOLE 0 104,748 0 3,100
Pfizer Inc Com 717081103 2,083 63,706 SH   OTR 0 58,832 1,410 3,464
Philip Morris International Com 718172109 629 8,973 SH   SOLE 0 8,298 0 675
Philip Morris International Com 718172109 1,983 28,302 SH   OTR 0 28,302 0 0
T Rowe Price Group Inc Com 74144T108 3,223 26,097 SH   SOLE 0 26,047 50 0
T Rowe Price Group Inc Com 74144T108 1,916 15,518 SH   OTR 0 14,923 295 300
Procter & Gamble CO Com 742718109 8,274 69,200 SH   SOLE 0 65,035 450 3,715
Procter & Gamble CO Com 742718109 4,564 38,168 SH   OTR 0 33,313 380 4,475
Prudential Finl Inc Com 744320102 803 13,190 SH   SOLE 0 13,140 50 0
Prudential Finl Inc Com 744320102 725 11,912 SH   OTR 0 11,562 150 200
Public Service Enterprise Grou Com 744573106 111 2,256 SH   SOLE 0 2,256 0 0
Public Service Enterprise Grou Com 744573106 155 3,150 SH   OTR 0 3,150 0 0
Qualcomm Inc Com 747525103 2,408 26,401 SH   SOLE 0 25,976 0 425
Qualcomm Inc Com 747525103 1,375 15,079 SH   OTR 0 14,354 225 500
Quanta Services Incorporated Com 74762E102 265 6,750 SH   OTR 0 2,100 0 4,650
S&P Global Inc Com 78409V104 5 14 SH   SOLE 0 14 0 0
S&P Global Inc Com 78409V104 659 2,000 SH   OTR 0 0 0 2,000
SPDR S&P 500 ETF Trust Com 78462F103 3,803 12,333 SH   SOLE 0 11,964 0 369
SPDR S&P 500 ETF Trust Com 78462F103 566 1,835 SH   OTR 0 1,475 160 200
SPDR Gold Trust Com 78463V107 280 1,673 SH   SOLE 0 1,673 0 0
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 241 7,189 SH   SOLE 0 7,189 0 0
SPDR Portfolio Emerging Market Com 78463X509 20 610 SH   OTR 0 610 0 0
SPDR Portfolio Developed Wld e Com 78463X889 4,744 171,774 SH   SOLE 0 171,774 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,014 36,720 SH   OTR 0 36,720 0 0
SPDR S&P Sm Cap Value ETF Com 78464A300 425 8,655 SH   SOLE 0 8,655 0 0
SPDR Portfolio Intermediate Te Com 78464A375 724 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,377 35,869 SH   SOLE 0 35,869 0 0
SPDR S&P Regional Banking ETF Com 78464A698 835 21,762 SH   OTR 0 21,562 100 100
SPDR S&P Dividend ETF Com 78464A763 8,510 93,313 SH   SOLE 0 93,313 0 0
SPDR S&P Dividend ETF Com 78464A763 716 7,850 SH   OTR 0 7,450 0 400
SPDR Dow Jones Industrial Aver Com 78467X109 987 3,827 SH   SOLE 0 3,827 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 219 850 SH   OTR 0 750 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,006 18,509 SH   SOLE 0 18,133 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 772 2,378 SH   OTR 0 2,256 70 52
Salesforce.Com Com 79466L302 1,394 7,442 SH   SOLE 0 7,422 20 0
Salesforce.Com Com 79466L302 727 3,880 SH   OTR 0 3,880 0 0
Schlumberger Ltd Com 806857108 523 28,455 SH   SOLE 0 27,905 0 550
Schlumberger Ltd Com 806857108 285 15,519 SH   OTR 0 15,359 160 0
Charles Schwab Corp Com 808513105 133 3,937 SH   SOLE 0 3,937 0 0
Charles Schwab Corp Com 808513105 121 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 425 6,510 SH   SOLE 0 6,510 0 0
Schwab US Small Cap ETF Com 808524607 6 85 SH   OTR 0 85 0 0
Schwab US Dividend Equity ETF Com 808524797 4,771 92,201 SH   SOLE 0 90,065 0 2,136
Schwab US Dividend Equity ETF Com 808524797 902 17,435 SH   OTR 0 17,435 0 0
Schwab International Equity ET Com 808524805 288 9,685 SH   SOLE 0 9,685 0 0
Schwab International Equity ET Com 808524805 321 10,774 SH   OTR 0 10,774 0 0
Schwab US Aggregate Bd ETF Com 808524839 340 6,040 SH   SOLE 0 6,040 0 0
Schwab US Aggregate Bd ETF Com 808524839 690 12,260 SH   OTR 0 11,995 0 265
Materials Select SPDR Fund Com 81369Y100 1,136 20,151 SH   SOLE 0 18,271 0 1,880
Materials Select SPDR Fund Com 81369Y100 516 9,161 SH   OTR 0 8,341 375 445
Health Care Select Sector SPDR Com 81369Y209 954 9,532 SH   SOLE 0 9,532 0 0
Health Care Select Sector SPDR Com 81369Y209 49 491 SH   OTR 0 491 0 0
Consumer Staples Select Sector Com 81369Y308 518 8,835 SH   SOLE 0 8,450 0 385
Consumer Staples Select Sector Com 81369Y308 74 1,267 SH   OTR 0 987 100 180
Consumer Discretionary Selt Com 81369Y407 1,487 11,646 SH   SOLE 0 10,446 0 1,200
Consumer Discretionary Selt Com 81369Y407 204 1,595 SH   OTR 0 1,145 325 125
Energy Select Sector SPDR Com 81369Y506 457 12,074 SH   SOLE 0 11,699 0 375
Energy Select Sector SPDR Com 81369Y506 42 1,105 SH   OTR 0 885 80 140
Financial Select Sector SPDR Com 81369Y605 833 35,999 SH   SOLE 0 34,499 0 1,500
Financial Select Sector SPDR Com 81369Y605 21 900 SH   OTR 0 700 200 0
Industrial Select Sector SPDR Com 81369Y704 874 12,725 SH   SOLE 0 12,725 0 0
Industrial Select Sector SPDR Com 81369Y704 95 1,390 SH   OTR 0 1,300 0 90
Technology Select Sect SPDR Com 81369Y803 2,366 22,644 SH   SOLE 0 22,407 162 75
Technology Select Sect SPDR Com 81369Y803 283 2,712 SH   OTR 0 2,562 150 0
Real Estate Select Sect SPDR Com 81369Y860 844 24,255 SH   SOLE 0 23,143 105 1,007
Real Estate Select Sect SPDR Com 81369Y860 1,232 35,393 SH   OTR 0 35,222 46 125
Utilities Select Sector SPDR Com 81369Y886 1,477 26,177 SH   SOLE 0 25,127 0 1,050
Utilities Select Sector SPDR Com 81369Y886 826 14,643 SH   OTR 0 13,666 475 502
Skyworks Solutions Inc Com 83088M102 230 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 972 18,745 SH   SOLE 0 18,745 0 0
Southern Company Com 842587107 623 12,024 SH   OTR 0 11,899 0 125
Starbucks Corp Com 855244109 111 1,511 SH   SOLE 0 1,511 0 0
Starbucks Corp Com 855244109 365 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 186 2,920 SH   SOLE 0 2,920 0 0
State Street Corp Com 857477103 41 650 SH   OTR 0 575 0 75
Stericycle Inc Com 858912108 179 3,205 SH   SOLE 0 3,205 0 0
Stericycle Inc Com 858912108 99 1,775 SH   OTR 0 925 0 850
Stryker Corporation Com 863667101 203 1,129 SH   SOLE 0 1,129 0 0
Sysco Corp Com 871829107 308 5,630 SH   SOLE 0 5,630 0 0
Sysco Corp Com 871829107 373 6,824 SH   OTR 0 6,399 0 425
TJX Cos Inc Com 872540109 1,835 36,296 SH   SOLE 0 34,996 300 1,000
TJX Cos Inc Com 872540109 1,835 36,290 SH   OTR 0 31,746 340 4,204
Target Corp Com 87612E106 2,544 21,209 SH   SOLE 0 20,934 0 275
Target Corp Com 87612E106 1,666 13,892 SH   OTR 0 11,052 175 2,665
Thermo Fisher Scientific Inc Com 883556102 7 18 SH   SOLE 0 18 0 0
Thermo Fisher Scientific Inc Com 883556102 471 1,300 SH   OTR 0 0 0 1,300
3m CO Com 88579Y101 1,576 10,101 SH   SOLE 0 9,141 340 620
3m CO Com 88579Y101 212 1,360 SH   OTR 0 1,325 35 0
US Bancorp New Com 902973304 717 19,463 SH   SOLE 0 19,463 0 0
US Bancorp New Com 902973304 308 8,365 SH   OTR 0 5,179 470 2,716
Union Pac Corp Com 907818108 3,385 20,021 SH   SOLE 0 19,371 0 650
Union Pac Corp Com 907818108 3,009 17,800 SH   OTR 0 15,943 0 1,857
United Parcel Service Cl B Com 911312106 454 4,082 SH   SOLE 0 4,082 0 0
United Parcel Service Cl B Com 911312106 218 1,964 SH   OTR 0 1,964 0 0
Unitedhealth Group Inc Com 91324P102 2,573 8,725 SH   SOLE 0 8,525 0 200
Unitedhealth Group Inc Com 91324P102 1,531 5,192 SH   OTR 0 4,167 130 895
Univest Corp of Pennsylvania Com 915271100 191 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 744 12,362 SH   SOLE 0 11,712 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 690 11,468 SH   OTR 0 11,243 125 100
Vanguard Intermediate-Term Bon Com 921937819 373 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 35 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 470 5,326 SH   SOLE 0 5,326 0 0
Vanguard FTSE Developed Market Com 921943858 107 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 138 3,555 SH   OTR 0 3,555 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,215 30,686 SH   SOLE 0 30,686 0 0
Vanguard Ftse Emerging Markets Com 922042858 392 9,908 SH   OTR 0 9,408 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,347 14,156 SH   SOLE 0 14,156 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,368 14,375 SH   OTR 0 14,375 0 0
Vanguard S&P 500 ETF Com 922908363 10,780 38,035 SH   SOLE 0 37,848 0 187
Vanguard Mid-Cap Value Index F Com 922908512 219 2,284 SH   SOLE 0 2,284 0 0
Vanguard Real Estate ETF Com 922908553 925 11,780 SH   SOLE 0 11,780 0 0
Vanguard Real Estate ETF Com 922908553 466 5,929 SH   OTR 0 5,590 239 100
Veoneer Incorporated Com Com 92336X109 110 10,271 SH   SOLE 0 9,521 0 750
Veoneer Incorporated Com Com 92336X109 137 12,835 SH   OTR 0 12,835 0 0
Verizon Communications Com 92343V104 3,286 59,604 SH   SOLE 0 57,817 860 927
Verizon Communications Com 92343V104 2,370 42,983 SH   OTR 0 37,557 225 5,201
Visa Inc Cl A Com 92826C839 1,477 7,645 SH   SOLE 0 7,645 0 0
Visa Inc Cl A Com 92826C839 1,254 6,490 SH   OTR 0 5,290 100 1,100
Wal Mart Inc Com 931142103 1,671 13,947 SH   SOLE 0 13,547 0 400
Wal Mart Inc Com 931142103 1,364 11,389 SH   OTR 0 9,973 350 1,066
Walgreens Boots Alliance Inc Com 931427108 167 3,937 SH   SOLE 0 3,937 0 0
Walgreens Boots Alliance Inc Com 931427108 57 1,345 SH   OTR 0 745 0 600
Waste Management Inc Com 94106L109 61 575 SH   SOLE 0 575 0 0
Waste Management Inc Com 94106L109 151 1,425 SH   OTR 0 1,200 0 225
Wells Fargo & CO Com 949746101 1,102 43,045 SH   SOLE 0 42,645 0 400
Wells Fargo & CO Com 949746101 479 18,713 SH   OTR 0 15,658 755 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 1,915 67,578 SH   SOLE 0 66,660 0 918
WisdomTree MidCap Dividend ETF Com 97717W505 292 10,308 SH   OTR 0 7,298 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 744 35,128 SH   SOLE 0 34,941 0 187
WisdomTree SmallCap Dividend E Com 97717W604 69 3,277 SH   OTR 0 3,277 0 0
Xcel Energy Inc Com 98389B100 398 6,361 SH   OTR 0 3,861 0 2,500
Xylem Inc Com 98419M100 247 3,809 SH   SOLE 0 3,809 0 0
Xylem Inc Com 98419M100 140 2,150 SH   OTR 0 2,150 0 0
Yum! Brands Inc Com 988498101 360 4,144 SH   SOLE 0 4,144 0 0
Yum! Brands Inc Com 988498101 71 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 342 2,865 SH   SOLE 0 2,535 60 270
Zimmer Biomet Holdings Inc Com 98956P102 238 1,992 SH   OTR 0 1,912 0 80
Deutsche Bank Ag Com D18190898 95 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 69 321 SH   SOLE 0 321 0 0
Accenture PLC Cl A Com G1151C101 279 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 390 4,462 SH   SOLE 0 4,462 0 0
Eaton Corp PLC Com G29183103 499 5,709 SH   OTR 0 4,634 0 1,075
Linde PLC Com G5494J103 1,393 6,565 SH   SOLE 0 6,565 0 0
Linde PLC Com G5494J103 779 3,674 SH   OTR 0 2,549 0 1,125
Medtronic PLC Com G5960L103 883 9,624 SH   SOLE 0 9,624 0 0
Medtronic PLC Com G5960L103 777 8,472 SH   OTR 0 8,401 71 0