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 1,839 60,764 SH   SOLE 0 58,428 175 2,161
AT&T Inc Com 00206R102 1,458 48,183 SH   OTR 0 42,671 400 5,112
Abbott Labs Com 002824100 6,397 53,381 SH   SOLE 0 52,781 0 600
Abbott Labs Com 002824100 2,455 20,487 SH   OTR 0 18,851 616 1,020
Abbvie Inc Com 00287Y109 2,517 23,259 SH   SOLE 0 22,959 0 300
Abbvie Inc Com 00287Y109 1,897 17,527 SH   OTR 0 14,207 290 3,030
Activision Blizzard, Inc Com 00507V109 932 10,022 SH   SOLE 0 10,022 0 0
Activision Blizzard, Inc Com 00507V109 611 6,570 SH   OTR 0 6,570 0 0
Air Products & Chemicals Inc Com 009158106 1,662 5,907 SH   SOLE 0 5,907 0 0
Air Products & Chemicals Inc Com 009158106 506 1,800 SH   OTR 0 1,800 0 0
Allstate Corp Com 020002101 50 435 SH   SOLE 0 435 0 0
Allstate Corp Com 020002101 161 1,400 SH   OTR 0 1,400 0 0
Alphabet Inc Cl C Com 02079K107 4,831 2,335 SH   SOLE 0 2,226 0 109
Alphabet Inc Cl C Com 02079K107 4,454 2,153 SH   OTR 0 2,023 0 130
Alphabet Inc Cl A Com 02079K305 3,713 1,800 SH   SOLE 0 1,761 0 39
Alphabet Inc Cl A Com 02079K305 588 285 SH   OTR 0 170 0 115
Altria Group Inc Com 02209S103 700 13,691 SH   SOLE 0 12,916 0 775
Altria Group Inc Com 02209S103 1,704 33,317 SH   OTR 0 32,617 0 700
Amazon.Com Inc Com 023135106 1,962 634 SH   SOLE 0 634 0 0
Amazon.Com Inc Com 023135106 962 311 SH   OTR 0 251 0 60
American Express CO Com 025816109 623 4,405 SH   SOLE 0 4,405 0 0
American Express CO Com 025816109 213 1,506 SH   OTR 0 1,220 0 286
American Tower Corp REIT Com 03027X100 131 550 SH   SOLE 0 550 0 0
American Tower Corp REIT Com 03027X100 171 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,527 10,185 SH   SOLE 0 10,185 0 0
American Water Works CO Inc Com 030420103 1,178 7,855 SH   OTR 0 6,325 100 1,430
Amgen Inc Com 031162100 663 2,665 SH   SOLE 0 2,665 0 0
Amgen Inc Com 031162100 413 1,660 SH   OTR 0 1,660 0 0
Amplify CWP Enhanced Dividend Com 032108409 137 3,990 SH   SOLE 0 3,990 0 0
Amplify CWP Enhanced Dividend Com 032108409 69 2,000 SH   OTR 0 2,000 0 0
APA Corporation Com 03743Q108 195 10,898 SH   SOLE 0 10,898 0 0
APA Corporation Com 03743Q108 36 2,035 SH   OTR 0 1,935 100 0
Apple Inc Com 037833100 19,243 157,532 SH   SOLE 0 142,798 360 14,374
Apple Inc Com 037833100 10,974 89,842 SH   OTR 0 77,402 2,810 9,630
Arrow Finl Corp Com 042744102 308 9,256 SH   SOLE 0 1,794 0 7,462
Arrow Finl Corp Com 042744102 167 5,000 SH   OTR 0 5,000 0 0
Autoliv Inc Com 052800109 908 9,780 SH   SOLE 0 8,736 0 1,044
Autoliv Inc Com 052800109 997 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,007 21,263 SH   SOLE 0 20,983 0 280
Automatic Data Processing Inc Com 053015103 1,173 6,223 SH   OTR 0 5,603 140 480
BP PLC Spons ADR Com 055622104 70 2,895 SH   SOLE 0 2,895 0 0
BP PLC Spons ADR Com 055622104 159 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 859 22,213 SH   SOLE 0 21,565 0 648
Bank of America Corp Com 060505104 291 7,525 SH   OTR 0 7,525 0 0
Bank of New York Mellon Corp Com 064058100 509 10,753 SH   SOLE 0 10,753 0 0
Bank of New York Mellon Corp Com 064058100 40 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 633 7,500 SH   SOLE 0 7,500 0 0
Baxter Intl Inc Com 071813109 228 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 311 1,281 SH   SOLE 0 1,281 0 0
Becton Dickinson Com 075887109 257 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,635 10,316 SH   SOLE 0 10,086 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,347 9,186 SH   OTR 0 9,168 18 0
Best Buy Company Inc Com 086516101 485 4,222 SH   SOLE 0 4,222 0 0
Best Buy Company Inc Com 086516101 45 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 239 3,439 SH   SOLE 0 3,239 0 200
BHP Group Ltd Spons ADR Com 088606108 68 975 SH   OTR 0 925 0 50
Biogen Inc Com 09062X103 70 250 SH   SOLE 0 250 0 0
Biogen Inc Com 09062X103 190 680 SH   OTR 0 680 0 0
Blackrock Inc Cl A Com 09247X101 31 41 SH   SOLE 0 41 0 0
Blackrock Inc Cl A Com 09247X101 362 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 1,477 5,800 SH   SOLE 0 5,565 0 235
Boeing CO Com 097023105 2,249 8,830 SH   OTR 0 8,680 150 0
Bristol Myers Squibb CO Com 110122108 3,928 62,228 SH   SOLE 0 59,413 695 2,120
Bristol Myers Squibb CO Com 110122108 2,389 37,835 SH   OTR 0 31,795 250 5,790
Cigna Corp Com 125523100 218 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 18 73 SH   OTR 0 73 0 0
Csx Corp Com 126408103 292 3,031 SH   SOLE 0 3,031 0 0
Csx Corp Com 126408103 208 2,160 SH   OTR 0 2,160 0 0
CVS Health Corp Com 126650100 2,878 38,256 SH   SOLE 0 37,073 0 1,183
CVS Health Corp Com 126650100 1,620 21,531 SH   OTR 0 18,016 340 3,175
Carrier Global Corporation Com 14448C104 1,055 24,995 SH   SOLE 0 24,025 100 870
Carrier Global Corporation Com 14448C104 739 17,507 SH   OTR 0 14,271 1,186 2,050
Caterpillar Inc Com 149123101 3,151 13,589 SH   SOLE 0 12,701 0 888
Caterpillar Inc Com 149123101 2,449 10,562 SH   OTR 0 10,225 37 300
Chevron Corporation Com 166764100 4,507 43,011 SH   SOLE 0 40,670 350 1,991
Chevron Corporation Com 166764100 3,141 29,976 SH   OTR 0 28,271 375 1,330
Cisco Systems Inc Com 17275R102 3,812 73,710 SH   SOLE 0 68,757 0 4,953
Cisco Systems Inc Com 17275R102 2,495 48,259 SH   OTR 0 47,059 595 605
Citigroup Inc Com 172967424 804 11,052 SH   SOLE 0 11,052 0 0
Citigroup Inc Com 172967424 404 5,550 SH   OTR 0 5,400 150 0
Clorox Company Com 189054109 1,031 5,343 SH   SOLE 0 5,343 0 0
Clorox Company Com 189054109 537 2,785 SH   OTR 0 2,300 0 485
Coca Cola CO Com 191216100 2,398 45,490 SH   SOLE 0 39,306 910 5,274
Coca Cola CO Com 191216100 1,175 22,290 SH   OTR 0 17,070 150 5,070
Colgate Palmolive CO Com 194162103 1,175 14,907 SH   SOLE 0 12,797 410 1,700
Colgate Palmolive CO Com 194162103 608 7,710 SH   OTR 0 4,260 0 3,450
ComCast Corp-Cl A Com 20030N101 1,192 22,032 SH   SOLE 0 19,758 0 2,274
ComCast Corp-Cl A Com 20030N101 672 12,419 SH   OTR 0 10,246 650 1,523
Community Bank System Inc Com 203607106 146 1,902 SH   SOLE 0 1,700 0 202
Community Bank System Inc Com 203607106 77 1,000 SH   OTR 0 0 1,000 0
Conocophillips Com 20825C104 484 9,143 SH   SOLE 0 9,043 100 0
Conocophillips Com 20825C104 83 1,572 SH   OTR 0 1,322 100 150
Corning Inc Com 219350105 668 15,361 SH   SOLE 0 15,361 0 0
Corning Inc Com 219350105 489 11,250 SH   OTR 0 8,500 900 1,850
Corteva Inc Com Com 22052L104 113 2,423 SH   SOLE 0 2,332 0 91
Corteva Inc Com Com 22052L104 373 7,995 SH   OTR 0 7,767 0 228
Costco Wholesale Corp Com 22160K105 614 1,742 SH   SOLE 0 1,742 0 0
Costco Wholesale Corp Com 22160K105 509 1,444 SH   OTR 0 704 0 740
DTE Energy Co Com 233331107 473 3,554 SH   SOLE 0 3,554 0 0
Danaher Corp Com 235851102 4,658 20,693 SH   SOLE 0 18,593 0 2,100
Danaher Corp Com 235851102 2,541 11,290 SH   OTR 0 9,848 135 1,307
Deere & CO Com 244199105 3,397 9,079 SH   SOLE 0 8,391 25 663
Deere & CO Com 244199105 4,098 10,954 SH   OTR 0 10,884 70 0
Dicks Sporting Goods Inc Com 253393102 360 4,731 SH   SOLE 0 3,731 0 1,000
Dicks Sporting Goods Inc Com 253393102 19 253 SH   OTR 0 253 0 0
Digital Realty Trust Inc REIT Com 253868103 302 2,147 SH   SOLE 0 2,147 0 0
Disney Walt CO New Com 254687106 6,424 34,814 SH   SOLE 0 33,481 0 1,333
Disney Walt CO New Com 254687106 3,859 20,916 SH   OTR 0 19,581 565 770
Dominion Resources Inc Com 25746U109 1,154 15,198 SH   SOLE 0 14,888 0 310
Dominion Resources Inc Com 25746U109 753 9,915 SH   OTR 0 7,395 80 2,440
Dow Inc Com Com 260557103 956 14,957 SH   SOLE 0 14,866 0 91
Dow Inc Com Com 260557103 901 14,096 SH   OTR 0 12,322 16 1,758
Duke Energy Corp Com 26441C204 341 3,535 SH   SOLE 0 3,250 285 0
Duke Energy Corp Com 26441C204 140 1,450 SH   OTR 0 1,350 100 0
Dupont De Nemours Inc Com 26614N102 1,165 15,080 SH   SOLE 0 14,989 0 91
Dupont De Nemours Inc Com 26614N102 1,123 14,536 SH   OTR 0 13,250 316 970
Ecolab Inc Com 278865100 1,545 7,215 SH   SOLE 0 7,215 0 0
Ecolab Inc Com 278865100 667 3,115 SH   OTR 0 2,625 40 450
Emerson Elec CO Com 291011104 1,061 11,764 SH   SOLE 0 11,764 0 0
Emerson Elec CO Com 291011104 310 3,440 SH   OTR 0 3,340 100 0
Exelon Corp Com 30161N101 180 4,105 SH   SOLE 0 4,105 0 0
Exelon Corp Com 30161N101 115 2,640 SH   OTR 0 2,290 0 350
Exxonmobil Corp Com 30231G102 4,824 86,408 SH   SOLE 0 82,472 790 3,146
Exxonmobil Corp Com 30231G102 3,913 70,093 SH   OTR 0 66,493 635 2,965
Facebook Inc-A Com 30303M102 1,566 5,317 SH   SOLE 0 5,317 0 0
Facebook Inc-A Com 30303M102 1,325 4,499 SH   OTR 0 4,499 0 0
Fedex Corporation Com 31428X106 235 826 SH   SOLE 0 826 0 0
Fedex Corporation Com 31428X106 92 325 SH   OTR 0 325 0 0
Fiserv Inc Com 337738108 556 4,674 SH   SOLE 0 4,674 0 0
Fiserv Inc Com 337738108 104 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 33,494 925,491 SH   SOLE 0 921,575 0 3,916
FlexShares Mstar Glbl Upstrm N Com 33939L407 2,839 78,449 SH   OTR 0 75,497 340 2,612
FlexShares Global Quality Real Com 33939L787 699 11,530 SH   SOLE 0 11,530 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 5,573 99,292 SH   SOLE 0 99,292 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 347 6,180 SH   OTR 0 5,930 0 250
FlexShares International Quali Com 33939L837 793 30,880 SH   SOLE 0 30,880 0 0
FlexShares International Quali Com 33939L837 73 2,850 SH   OTR 0 2,850 0 0
Fortive Corp Com 34959J108 329 4,655 SH   SOLE 0 4,355 0 300
Fortive Corp Com 34959J108 146 2,069 SH   OTR 0 1,225 50 794
General Dynamics Corp Com 369550108 997 5,493 SH   SOLE 0 5,343 0 150
General Dynamics Corp Com 369550108 152 835 SH   OTR 0 735 0 100
General Electric Corp Com 369604103 502 38,229 SH   SOLE 0 35,396 0 2,833
General Electric Corp Com 369604103 299 22,795 SH   OTR 0 22,720 0 75
General Mls Inc Com 370334104 692 11,279 SH   SOLE 0 10,781 0 498
General Mls Inc Com 370334104 445 7,255 SH   OTR 0 6,460 100 695
Genuine Parts CO Com 372460105 224 1,935 SH   SOLE 0 1,935 0 0
Gilead Sciences Inc Com 375558103 377 5,830 SH   SOLE 0 5,830 0 0
Gilead Sciences Inc Com 375558103 290 4,480 SH   OTR 0 1,980 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 291 8,143 SH   SOLE 0 7,918 0 225
Glaxo Smithkline Spons ADR Com 37733W105 85 2,387 SH   OTR 0 1,582 55 750
Goldman Sachs Group Inc Com 38141G104 1,336 4,086 SH   SOLE 0 4,066 20 0
Goldman Sachs Group Inc Com 38141G104 1,287 3,935 SH   OTR 0 3,935 0 0
Grainger W W Inc Com 384802104 1,407 3,510 SH   SOLE 0 3,510 0 0
Grainger W W Inc Com 384802104 804 2,005 SH   OTR 0 1,125 100 780
Home Depot Inc Com 437076102 1,262 4,135 SH   SOLE 0 3,719 0 416
Home Depot Inc Com 437076102 1,726 5,655 SH   OTR 0 4,355 150 1,150
Honeywell International Inc Com 438516106 3,923 18,071 SH   SOLE 0 17,156 0 915
Honeywell International Inc Com 438516106 1,804 8,309 SH   OTR 0 5,685 300 2,324
Illinois Tool Wks Inc Com 452308109 389 1,755 SH   SOLE 0 1,755 0 0
Illinois Tool Wks Inc Com 452308109 100 450 SH   OTR 0 450 0 0
Intel Corp Com 458140100 6,394 99,911 SH   SOLE 0 97,386 1,025 1,500
Intel Corp Com 458140100 2,139 33,419 SH   OTR 0 29,744 1,425 2,250
Intercontinental Exchange Inc Com 45866F104 760 6,805 SH   SOLE 0 6,805 0 0
Intercontinental Exchange Inc Com 45866F104 136 1,215 SH   OTR 0 1,015 0 200
Intl. Business Machines Corp Com 459200101 2,415 18,126 SH   SOLE 0 15,798 425 1,903
Intl. Business Machines Corp Com 459200101 2,212 16,601 SH   OTR 0 15,018 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 203 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 174 7,875 SH   OTR 0 7,875 0 0
Ishares DJ Select Dividend ETF Com 464287168 205 1,800 SH   SOLE 0 1,800 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 368 2,936 SH   SOLE 0 2,936 0 0
Ishares Core S&P 500 ETF Com 464287200 224 562 SH   SOLE 0 562 0 0
Ishares Core Total U.S. Aggreg Com 464287226 342 3,005 SH   SOLE 0 3,005 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 4,401 82,514 SH   SOLE 0 80,603 525 1,386
Ishares Msci Emerging Mkt ETF Com 464287234 1,173 21,999 SH   OTR 0 20,949 200 850
Ishares Msci Eafe ETF Com 464287465 3,840 50,616 SH   SOLE 0 47,846 0 2,770
Ishares Msci Eafe ETF Com 464287465 1,131 14,909 SH   OTR 0 14,294 200 415
Ishares Core S&P Mid-Cap ETF Com 464287507 1,853 7,120 SH   SOLE 0 7,120 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 512 1,966 SH   OTR 0 1,766 0 200
Ishares Nasdaq Biotech ETF Com 464287556 3,552 23,591 SH   SOLE 0 22,699 96 796
Ishares Nasdaq Biotech ETF Com 464287556 2,181 14,485 SH   OTR 0 12,265 605 1,615
Ishares Tr Rus 1000 Val ETF Com 464287598 208 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 288 3,670 SH   SOLE 0 3,670 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 171 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 275 1,132 SH   SOLE 0 1,132 0 0
IShares Russell 1000 ETF Com 464287622 209 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630 311 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 ETF Com 464287655 6,483 29,341 SH   SOLE 0 27,821 0 1,520
Ishares Russell 2000 ETF Com 464287655 812 3,673 SH   OTR 0 3,538 100 35
Ishares DJ US Telcom Sector ET Com 464287713 997 30,833 SH   SOLE 0 30,833 0 0
Ishares DJ US Telcom Sector ET Com 464287713 638 19,740 SH   OTR 0 19,540 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 533 4,909 SH   SOLE 0 4,909 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 4,376 60,910 SH   SOLE 0 60,900 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 438 6,095 SH   OTR 0 6,095 0 0
Ishares New York Muni Bond ETF Com 464288323 979 16,967 SH   SOLE 0 16,967 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,708 19,590 SH   SOLE 0 19,590 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 245 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,386 62,127 SH   SOLE 0 62,127 0 0
Ishares S&P Pref Stk ETF Com 464288687 435 11,329 SH   OTR 0 7,349 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 19,544 194,546 SH   SOLE 0 192,823 0 1,723
Ishares MSCI EAFE Growth ETF Com 464288885 1,390 13,840 SH   OTR 0 13,760 0 80
IShares Russell Top 200 Growth Com 464289438 241 1,790 SH   SOLE 0 1,790 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 257 4,636 SH   SOLE 0 4,636 0 0
iShares Core High Dividend ETF Com 46429B663 704 7,416 SH   SOLE 0 7,416 0 0
Ishares Core Msci Eafe ETF Com 46432F842 9,570 132,818 SH   SOLE 0 132,763 0 55
Ishares Core Msci Eafe ETF Com 46432F842 816 11,320 SH   OTR 0 11,320 0 0
Ishares Core Emerging Markets Com 46434G103 5,436 84,456 SH   SOLE 0 84,456 0 0
Ishares Core Emerging Markets Com 46434G103 999 15,525 SH   OTR 0 13,925 0 1,600
IShares Core Intnl Agg Bond ET Com 46435G672 302 5,510 SH   SOLE 0 5,510 0 0
JP Morgan Chase & CO Com 46625H100 9,990 65,625 SH   SOLE 0 63,724 112 1,789
JP Morgan Chase & CO Com 46625H100 7,150 46,970 SH   OTR 0 39,870 590 6,510
JPMorgan Ultra-Short Income ET Com 46641Q837 95 1,870 SH   SOLE 0 1,870 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 254 5,000 SH   OTR 0 0 0 5,000
Jacobs Engineering Group Inc Com 469814107 116 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 385 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 10,114 61,538 SH   SOLE 0 55,738 150 5,650
Johnson & Johnson Com 478160104 5,064 30,811 SH   OTR 0 26,886 310 3,615
Keycorp Com 493267108 55 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 166 8,300 SH   OTR 0 8,300 0 0
Kimberly Clark Corp Com 494368103 537 3,865 SH   SOLE 0 3,865 0 0
Kimberly Clark Corp Com 494368103 104 750 SH   OTR 0 750 0 0
Kraft Heinz CO Com 500754106 214 5,354 SH   SOLE 0 5,354 0 0
Kraft Heinz CO Com 500754106 283 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 341 1,825 SH   SOLE 0 1,297 0 528
Lilly Eli & CO Com 532457108 1,179 6,310 SH   OTR 0 5,285 0 1,025
Lockheed Martin Corp Com 539830109 3,093 8,370 SH   SOLE 0 7,805 0 565
Lockheed Martin Corp Com 539830109 862 2,333 SH   OTR 0 2,333 0 0
Lowes Cos Inc Com 548661107 8,609 45,267 SH   SOLE 0 44,737 25 505
Lowes Cos Inc Com 548661107 4,840 25,447 SH   OTR 0 24,122 325 1,000
Marsh & McLennan Companies Inc Com 571748102 149 1,224 SH   SOLE 0 1,224 0 0
Marsh & McLennan Companies Inc Com 571748102 52 425 SH   OTR 0 425 0 0
Marriott International Inc Com 571903202 303 2,047 SH   SOLE 0 2,047 0 0
Mastercard Inc Cl A Com 57636Q104 233 655 SH   SOLE 0 655 0 0
Mastercard Inc Cl A Com 57636Q104 198 555 SH   OTR 0 555 0 0
McDonalds Corp Com 580135101 7,116 31,746 SH   SOLE 0 31,516 75 155
McDonalds Corp Com 580135101 4,094 18,264 SH   OTR 0 17,396 238 630
Merck & CO Inc Com 58933Y105 3,219 41,760 SH   SOLE 0 40,310 650 800
Merck & CO Inc Com 58933Y105 1,595 20,684 SH   OTR 0 19,719 140 825
Metlife Inc Com 59156R108 406 6,677 SH   SOLE 0 6,677 0 0
Metlife Inc Com 59156R108 100 1,637 SH   OTR 0 1,226 111 300
Microsoft Corp Com 594918104 17,041 72,277 SH   SOLE 0 68,974 215 3,088
Microsoft Corp Com 594918104 8,907 37,780 SH   OTR 0 35,259 655 1,866
Microchip Technology Inc Com 595017104 2,757 17,765 SH   SOLE 0 17,765 0 0
Microchip Technology Inc Com 595017104 843 5,433 SH   OTR 0 4,508 150 775
Mondelez International Inc Com 609207105 527 8,999 SH   SOLE 0 8,585 0 414
Mondelez International Inc Com 609207105 1,090 18,617 SH   OTR 0 18,617 0 0
Morgan Stanley Com 617446448 240 3,091 SH   SOLE 0 3,091 0 0
Morgan Stanley Com 617446448 8 100 SH   OTR 0 100 0 0
NBT Bancorp Inc Com 628778102 7,114 178,304 SH   SOLE 0 81,642 0 96,662
NBT Bancorp Inc Com 628778102 765 19,167 SH   OTR 0 15,901 0 3,266
Netflix Inc Com 64110L106 384 737 SH   SOLE 0 737 0 0
Nextera Energy Inc Com 65339F101 2,487 32,895 SH   SOLE 0 31,095 0 1,800
Nextera Energy Inc Com 65339F101 2,027 26,808 SH   OTR 0 15,618 120 11,070
Nike Inc-Class B Com 654106103 2,748 20,680 SH   SOLE 0 20,680 0 0
Nike Inc-Class B Com 654106103 920 6,925 SH   OTR 0 6,925 0 0
Norfolk Southern Corp Com 655844108 1,325 4,934 SH   SOLE 0 4,934 0 0
Norfolk Southern Corp Com 655844108 1,798 6,696 SH   OTR 0 4,331 70 2,295
Novartis Ag Spons ADR Com 66987V109 1,217 14,233 SH   SOLE 0 14,083 0 150
Novartis Ag Spons ADR Com 66987V109 775 9,063 SH   OTR 0 8,963 100 0
Nucor Corp Com 670346105 880 10,959 SH   SOLE 0 10,959 0 0
Nucor Corp Com 670346105 468 5,825 SH   OTR 0 4,375 0 1,450
Nvidia Corp Com 67066G104 649 1,216 SH   SOLE 0 1,075 0 141
Nvidia Corp Com 67066G104 59 110 SH   OTR 0 110 0 0
O'Reilly Automotive Inc Com 67103H107 304 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 2,812 40,077 SH   SOLE 0 38,577 0 1,500
Oracle Corporation Com 68389X105 757 10,785 SH   OTR 0 8,085 0 2,700
Otis Worldwide Corp Com 68902V107 842 12,295 SH   SOLE 0 11,810 50 435
Otis Worldwide Corp Com 68902V107 519 7,575 SH   OTR 0 6,757 593 225
Paypal Holdings Inc Com 70450Y103 400 1,647 SH   SOLE 0 1,407 0 240
Paypal Holdings Inc Com 70450Y103 690 2,840 SH   OTR 0 990 0 1,850
Pepsico Inc Com 713448108 6,346 44,867 SH   SOLE 0 44,194 100 573
Pepsico Inc Com 713448108 2,889 20,422 SH   OTR 0 19,267 345 810
Pfizer Inc Com 717081103 4,084 112,728 SH   SOLE 0 108,207 0 4,521
Pfizer Inc Com 717081103 2,236 61,727 SH   OTR 0 57,478 1,385 2,864
Philip Morris International Com 718172109 796 8,971 SH   SOLE 0 8,296 0 675
Philip Morris International Com 718172109 2,310 26,027 SH   OTR 0 26,027 0 0
T Rowe Price Group Inc Com 74144T108 4,306 25,091 SH   SOLE 0 25,041 50 0
T Rowe Price Group Inc Com 74144T108 2,583 15,050 SH   OTR 0 14,570 295 185
Procter & Gamble CO Com 742718109 8,773 64,779 SH   SOLE 0 59,831 425 4,523
Procter & Gamble CO Com 742718109 4,800 35,441 SH   OTR 0 30,981 380 4,080
Prudential Finl Inc Com 744320102 1,268 13,916 SH   SOLE 0 13,866 50 0
Prudential Finl Inc Com 744320102 1,155 12,677 SH   OTR 0 12,327 150 200
Public Service Enterprise Grou Com 744573106 155 2,572 SH   SOLE 0 2,572 0 0
Public Service Enterprise Grou Com 744573106 154 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,323 25,063 SH   SOLE 0 24,638 0 425
Qualcomm Inc Com 747525103 1,773 13,369 SH   OTR 0 12,644 225 500
Quanta Services Incorporated Com 74762E102 594 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,085 39,929 SH   SOLE 0 38,959 100 870
Raytheon Technologies Corp Com 75513E101 2,224 28,786 SH   OTR 0 24,795 1,186 2,805
Rockwell Automation Inc Com 773903109 141 530 SH   SOLE 0 530 0 0
Rockwell Automation Inc Com 773903109 66 250 SH   OTR 0 250 0 0
Royal Dutch Shell PLC Spons AD Com 780259107 206 5,600 SH   OTR 0 2,000 0 3,600
S&P Global Inc Com 78409V104 600 1,700 SH   OTR 0 0 0 1,700
SPDR S&P 500 ETF Trust Com 78462F103 5,145 12,981 SH   SOLE 0 12,332 0 649
SPDR S&P 500 ETF Trust Com 78462F103 727 1,835 SH   OTR 0 1,475 160 200
SPDR Gold Trust Com 78463V107 274 1,713 SH   SOLE 0 1,613 0 100
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 376 8,594 SH   SOLE 0 8,594 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,819 108,016 SH   SOLE 0 108,016 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,070 30,255 SH   OTR 0 30,255 0 0
SPDR Preferred Stock ETF Com 78464A292 274 6,310 SH   SOLE 0 6,310 0 0
SPDR Portfolio Intermediate Te Com 78464A375 711 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,231 33,626 SH   SOLE 0 33,126 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,420 21,412 SH   OTR 0 21,212 100 100
SPDR S&P Dividend ETF Com 78464A763 9,980 84,559 SH   SOLE 0 84,559 0 0
SPDR S&P Dividend ETF Com 78464A763 927 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 161 3,096 SH   SOLE 0 3,096 0 0
SPDR S&P Bank ETF Com 78464A797 43 830 SH   OTR 0 730 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,294 3,919 SH   SOLE 0 3,919 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 231 700 SH   OTR 0 600 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 8,473 17,798 SH   SOLE 0 16,772 0 1,026
Midcap SPDR Trust Series 1 Com 78467Y107 906 1,903 SH   OTR 0 1,801 50 52
Salesforce.Com Com 79466L302 1,934 9,128 SH   SOLE 0 8,968 20 140
Salesforce.Com Com 79466L302 1,292 6,100 SH   OTR 0 6,100 0 0
Schlumberger Ltd Com 806857108 725 26,681 SH   SOLE 0 25,866 0 815
Schlumberger Ltd Com 806857108 404 14,875 SH   OTR 0 14,715 160 0
Charles Schwab Corp Com 808513105 186 2,847 SH   SOLE 0 2,847 0 0
Charles Schwab Corp Com 808513105 233 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 1,571 15,760 SH   SOLE 0 15,760 0 0
Schwab US Small Cap ETF Com 808524607 97 975 SH   OTR 0 975 0 0
Schwab Fundamental Intl Lg Co Com 808524755 257 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 6,923 94,940 SH   SOLE 0 93,021 0 1,919
Schwab US Dividend Equity ETF Com 808524797 1,178 16,150 SH   OTR 0 16,150 0 0
Schwab International Equity ET Com 808524805 2,897 77,005 SH   SOLE 0 77,005 0 0
Schwab International Equity ET Com 808524805 491 13,044 SH   OTR 0 12,379 0 665
Schwab US Aggregate Bd ETF Com 808524839 777 14,401 SH   SOLE 0 14,401 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,452 26,919 SH   OTR 0 26,454 0 465
Materials Select SPDR Fund Com 81369Y100 1,635 20,751 SH   SOLE 0 18,705 0 2,046
Materials Select SPDR Fund Com 81369Y100 759 9,636 SH   OTR 0 8,816 375 445
Health Care Select Sector SPDR Com 81369Y209 1,142 9,781 SH   SOLE 0 9,024 0 757
Health Care Select Sector SPDR Com 81369Y209 18 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 707 10,346 SH   SOLE 0 8,619 0 1,727
Consumer Staples Select Sector Com 81369Y308 28 410 SH   OTR 0 130 100 180
Consumer Discretionary Selt Com 81369Y407 1,719 10,227 SH   SOLE 0 8,397 0 1,830
Consumer Discretionary Selt Com 81369Y407 192 1,145 SH   OTR 0 770 250 125
Energy Select Sector SPDR Com 81369Y506 436 8,887 SH   SOLE 0 8,315 0 572
Energy Select Sector SPDR Com 81369Y506 88 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 1,086 31,896 SH   SOLE 0 29,207 0 2,689
Financial Select Sector SPDR Com 81369Y605 63 1,860 SH   OTR 0 1,660 200 0
Industrial Select Sector SPDR Com 81369Y704 1,262 12,821 SH   SOLE 0 12,449 0 372
Industrial Select Sector SPDR Com 81369Y704 66 670 SH   OTR 0 580 0 90
Technology Select Sect SPDR Com 81369Y803 2,680 20,178 SH   SOLE 0 19,917 162 99
Technology Select Sect SPDR Com 81369Y803 228 1,720 SH   OTR 0 1,570 150 0
Real Estate Select Sect SPDR Com 81369Y860 936 23,698 SH   SOLE 0 21,580 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,385 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 2,070 32,322 SH   SOLE 0 27,619 0 4,703
Utilities Select Sector SPDR Com 81369Y886 1,007 15,726 SH   OTR 0 14,749 475 502
Simon Ppty Group Inc Com 828806109 11 100 SH   SOLE 0 100 0 0
Simon Ppty Group Inc Com 828806109 205 1,800 SH   OTR 0 1,800 0 0
Skyworks Solutions Inc Com 83088M102 330 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,108 17,817 SH   SOLE 0 17,817 0 0
Southern Company Com 842587107 681 10,949 SH   OTR 0 10,824 0 125
Starbucks Corp Com 855244109 155 1,416 SH   SOLE 0 1,416 0 0
Starbucks Corp Com 855244109 542 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 235 2,795 SH   SOLE 0 2,795 0 0
State Street Corp Com 857477103 48 575 SH   OTR 0 575 0 0
Stericycle Inc Com 858912108 205 3,030 SH   SOLE 0 3,030 0 0
Stericycle Inc Com 858912108 111 1,650 SH   OTR 0 800 0 850
Stryker Corporation Com 863667101 253 1,037 SH   SOLE 0 1,037 0 0
Sysco Corp Com 871829107 418 5,307 SH   SOLE 0 5,307 0 0
Sysco Corp Com 871829107 506 6,424 SH   OTR 0 5,999 0 425
TJX Cos Inc Com 872540109 2,499 37,781 SH   SOLE 0 36,181 300 1,300
TJX Cos Inc Com 872540109 2,457 37,145 SH   OTR 0 32,601 340 4,204
Target Corp Com 87612E106 3,643 18,395 SH   SOLE 0 18,120 0 275
Target Corp Com 87612E106 2,751 13,887 SH   OTR 0 11,147 175 2,565
Texas Instruments Inc Com 882508104 159 842 SH   SOLE 0 842 0 0
Texas Instruments Inc Com 882508104 55 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 7 16 SH   SOLE 0 16 0 0
Thermo Fisher Scientific Inc Com 883556102 525 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 2,201 11,422 SH   SOLE 0 10,346 330 746
3m CO Com 88579Y101 492 2,555 SH   OTR 0 1,950 235 370
Truist Financial Corporation Com 89832Q109 402 6,898 SH   SOLE 0 6,495 0 403
Truist Financial Corporation Com 89832Q109 162 2,775 SH   OTR 0 2,775 0 0
US Bancorp New Com 902973304 995 17,983 SH   SOLE 0 17,983 0 0
US Bancorp New Com 902973304 449 8,115 SH   OTR 0 4,929 470 2,716
Union Pac Corp Com 907818108 4,413 20,020 SH   SOLE 0 19,112 0 908
Union Pac Corp Com 907818108 3,816 17,313 SH   OTR 0 15,548 0 1,765
United Parcel Service Cl B Com 911312106 679 3,996 SH   SOLE 0 3,996 0 0
United Parcel Service Cl B Com 911312106 334 1,964 SH   OTR 0 1,964 0 0
Unitedhealth Group Inc Com 91324P102 2,996 8,051 SH   SOLE 0 7,851 0 200
Unitedhealth Group Inc Com 91324P102 1,922 5,167 SH   OTR 0 4,142 130 895
Univest Corp of Pennsylvania Com 915271100 338 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 1,144 13,042 SH   SOLE 0 12,197 50 795
Vaneck Vectors Agribusiness ET Com 92189F700 989 11,273 SH   OTR 0 11,048 125 100
Vanguard Dividend Appreciation Com 921908844 121 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 147 1,000 SH   OTR 0 1,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 355 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 499 5,891 SH   SOLE 0 5,891 0 0
Vanguard FTSE Developed Market Com 921943858 135 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 171 3,475 SH   OTR 0 3,475 0 0
Vanguard High Dividend Yield E Com 921946406 125 1,240 SH   SOLE 0 1,240 0 0
Vanguard High Dividend Yield E Com 921946406 77 760 SH   OTR 0 760 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,692 32,516 SH   SOLE 0 32,516 0 0
Vanguard Ftse Emerging Markets Com 922042858 516 9,923 SH   OTR 0 9,423 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,031 11,081 SH   SOLE 0 11,081 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,631 17,533 SH   OTR 0 17,533 0 0
Vanguard S&P 500 ETF Com 922908363 9,312 25,560 SH   SOLE 0 25,373 0 187
Vanguard Mid-Cap Value Index F Com 922908512 415 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 1,066 11,607 SH   SOLE 0 11,607 0 0
Vanguard Real Estate ETF Com 922908553 490 5,329 SH   OTR 0 4,990 239 100
Vanguard Index Fund Mid-Cap Com 922908629 143 644 SH   SOLE 0 644 0 0
Vanguard Index Fund Mid-Cap Com 922908629 91 410 SH   OTR 0 410 0 0
Veoneer Incorporated Com Com 92336X109 233 9,521 SH   SOLE 0 9,521 0 0
Veoneer Incorporated Com Com 92336X109 303 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,517 60,477 SH   SOLE 0 56,242 830 3,405
Verizon Communications Com 92343V104 2,250 38,698 SH   OTR 0 32,827 225 5,646
Viacomcbs Inc Class B Com 92556H206 15 325 SH   SOLE 0 325 0 0
Viacomcbs Inc Class B Com 92556H206 226 5,000 SH   OTR 0 5,000 0 0
Visa Inc Cl A Com 92826C839 1,898 8,962 SH   SOLE 0 8,962 0 0
Visa Inc Cl A Com 92826C839 1,730 8,170 SH   OTR 0 6,970 100 1,100
Wal Mart Inc Com 931142103 1,996 14,694 SH   SOLE 0 14,294 0 400
Wal Mart Inc Com 931142103 1,626 11,974 SH   OTR 0 10,358 350 1,266
Walgreens Boots Alliance Inc Com 931427108 309 5,632 SH   SOLE 0 5,632 0 0
Walgreens Boots Alliance Inc Com 931427108 56 1,020 SH   OTR 0 420 0 600
Waste Management Inc Com 94106L109 74 575 SH   SOLE 0 575 0 0
Waste Management Inc Com 94106L109 161 1,250 SH   OTR 0 1,250 0 0
Wells Fargo & CO Com 949746101 1,254 32,097 SH   SOLE 0 31,151 0 946
Wells Fargo & CO Com 949746101 535 13,693 SH   OTR 0 10,753 755 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 1,952 48,302 SH   SOLE 0 47,524 0 778
WisdomTree MidCap Dividend ETF Com 97717W505 228 5,633 SH   OTR 0 2,623 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 591 18,979 SH   SOLE 0 18,846 0 133
WisdomTree SmallCap Dividend E Com 97717W604 15 482 SH   OTR 0 482 0 0
Xylem Inc Com 98419M100 387 3,679 SH   SOLE 0 3,679 0 0
Xylem Inc Com 98419M100 216 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 386 3,569 SH   SOLE 0 3,569 0 0
Yum! Brands Inc Com 988498101 88 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 493 3,082 SH   SOLE 0 2,752 60 270
Zimmer Biomet Holdings Inc Com 98956P102 364 2,272 SH   OTR 0 2,192 0 80
Deutsche Bank Ag Com D18190898 120 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 73 263 SH   SOLE 0 263 0 0
Accenture PLC Cl A Com G1151C101 359 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 562 4,061 SH   SOLE 0 4,061 0 0
Eaton Corp PLC Com G29183103 747 5,399 SH   OTR 0 4,324 0 1,075
Linde PLC Com G5494J103 1,798 6,418 SH   SOLE 0 6,418 0 0
Linde PLC Com G5494J103 966 3,449 SH   OTR 0 2,524 0 925
Medtronic PLC Com G5960L103 1,204 10,193 SH   SOLE 0 10,193 0 0
Medtronic PLC Com G5960L103 1,000 8,462 SH   OTR 0 8,391 71 0