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
3M CO COMMON STOCK 88579Y101 385 2,200 SH   OTR 2 0 2,200 0
3M CO COMMON STOCK 88579Y101 454 2,600 SH   SOLE   2,600 0 0
ABBOTT LABS COMMON STOCK 002824100 117 1,070 SH   OTR 2 0 1,070 0
ABBOTT LABS COMMON STOCK 002824100 1,181 10,782 SH   SOLE   10,782 0 0
ABBVIE INC COMMON STOCK 00287Y109 217 2,025 SH   OTR 2 0 2,025 0
ABBVIE INC COMMON STOCK 00287Y109 663 6,186 SH   SOLE   6,186 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 59 225 SH   SOLE   225 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 13 135 SH   SOLE   135 0 0
ADOBE INC COMMON STOCK 00724F101 118 235 SH   OTR 2 0 235 0
ADOBE INC COMMON STOCK 00724F101 2,674 5,347 SH   SOLE   5,347 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 73 269 SH   SOLE   269 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 28 155 SH   SOLE   155 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 37 240 SH   SOLE   240 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 559 319 SH   OTR 2 0 319 0
ALPHABET INC CL A COMMON STOCK 02079K305 7,046 4,020 SH   SOLE   4,020 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 201 115 SH   OTR 2 0 115 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,815 1,036 SH   SOLE   1,036 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH   OTR 2 0 150 0
ALTRIA GROUP INC COMMON STOCK 02209S103 251 6,131 SH   SOLE   6,131 0 0
AMAZON.COM INC COMMON STOCK 023135106 466 143 SH   OTR 2 0 143 0
AMAZON.COM INC COMMON STOCK 023135106 8,338 2,560 SH   SOLE   2,560 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 28 340 SH   SOLE   340 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 167 1,380 SH   OTR 2 0 1,380 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 274 2,270 SH   SOLE   2,270 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 15 391 SH   SOLE   391 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 98 435 SH   SOLE   435 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 47 305 SH   OTR 2 0 305 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 707 4,604 SH   SOLE   4,604 0 0
AMGEN INC COMMON STOCK 031162100 57 250 SH   OTR 2 0 250 0
AMGEN INC COMMON STOCK 031162100 1,938 8,430 SH   SOLE   8,430 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 9 60 SH   SOLE   60 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 56 14,000 SH   SOLE   14,000 0 0
APPLE INC COMMON STOCK 037833100 1,535 11,567 SH   OTR 2 0 11,567 0
APPLE INC COMMON STOCK 037833100 11,389 85,835 SH   SOLE   85,835 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 218 2,525 SH   SOLE   2,525 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 10 200 SH   SOLE   200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 612 20,463 SH   OTR 2 0 20,463 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 39,930 1,335,007 SH   SOLE   1,335,007 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 23 291 SH   SOLE   291 0 0
AT&T INC COMMON STOCK 00206R102 116 4,017 SH   OTR 2 0 4,017 0
AT&T INC COMMON STOCK 00206R102 892 31,014 SH   SOLE   31,014 0 0
AUTODESK INC COMMON STOCK 052769106 24 80 SH   SOLE   80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 621 3,525 SH   OTR 2 0 3,525 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 263 1,490 SH   SOLE   1,490 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 149 4,920 SH   OTR 2 0 4,920 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,708 56,341 SH   SOLE   56,341 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 63 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 54 1,280 SH   SOLE   1,280 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 9 400 SH   SOLE   400 0 0
BAXTER INTL INC COMMON STOCK 071813109 152 1,900 SH   OTR 2 0 1,900 0
BAXTER INTL INC COMMON STOCK 071813109 35 430 SH   SOLE   430 0 0
BECTON DICKINSON COMMON STOCK 075887109 36 145 SH   OTR 2 0 145 0
BECTON DICKINSON COMMON STOCK 075887109 55 220 SH   SOLE   220 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 293 1,265 SH   OTR 2 0 1,265 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,768 11,939 SH   SOLE   11,939 0 0
BEST BUY CO INC COMMON STOCK 086516101 5 50 SH   SOLE   50 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102 4 50 SH   SOLE   50 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 162 225 SH   OTR 2 0 225 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,933 4,065 SH   SOLE   4,065 0 0
BLACKSTONE GROUP INC CL A COMMON STOCK 09260D107 65 1,008 SH   SOLE   1,008 0 0
BOEING CO COMMON STOCK 097023105 47 220 SH   SOLE   220 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 372 167 SH   SOLE   167 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 29 795 SH   SOLE   795 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 47 2,309 SH   SOLE   2,309 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 150 2,420 SH   OTR 2 0 2,420 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,933 31,162 SH   SOLE   31,162 0 0
BROOKFIELD PROPERTY PARTNERS L COMMON STOCK G16249107 2 125 SH   SOLE   125 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 35 355 SH   SOLE   355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 11 200 SH   OTR 2 0 200 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 11 200 SH   SOLE   200 0 0
CARNIVAL CORP COMMON STOCK 143658300 15 700 SH   SOLE   700 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 212 5,615 SH   OTR 2 0 5,615 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 56 1,477 SH   SOLE   1,477 0 0
CATERPILLAR INC COMMON STOCK 149123101 187 1,025 SH   OTR 2 0 1,025 0
CATERPILLAR INC COMMON STOCK 149123101 329 1,810 SH   SOLE   1,810 0 0
CERNER CORP COMMON STOCK 156782104 50 641 SH   SOLE   641 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 33 625 SH   SOLE   625 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 93 700 SH   SOLE   700 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 222 2,634 SH   OTR 2 0 2,634 0
CHEVRON CORPORATION COMMON STOCK 166764100 905 10,716 SH   SOLE   10,716 0 0
CIGNA CORP COMMON STOCK 125523100 9 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 57 1,280 SH   OTR 2 0 1,280 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,073 46,327 SH   SOLE   46,327 0 0
CLOROX COMPANY COMMON STOCK 189054109 20 100 SH   OTR 2 0 100 0
CLOROX COMPANY COMMON STOCK 189054109 128 632 SH   SOLE   632 0 0
CME GROUP INC COMMON STOCK 12572Q105 69 378 SH   SOLE   378 0 0
CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH   SOLE   121 0 0
COCA COLA CO COMMON STOCK 191216100 111 2,030 SH   OTR 2 0 2,030 0
COCA COLA CO COMMON STOCK 191216100 1,540 28,090 SH   SOLE   28,090 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 505 5,900 SH   OTR 2 0 5,900 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 309 3,614 SH   SOLE   3,614 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 16 300 SH   OTR 2 0 300 0
COMCAST CORP-CL A COMMON STOCK 20030N101 161 3,078 SH   SOLE   3,078 0 0
CONDUENT INC COMMON STOCK 206787103 0 22 SH   SOLE   22 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 54 1,346 SH   OTR 2 0 1,346 0
CONOCOPHILLIPS COMMON STOCK 20825C104 366 9,145 SH   SOLE   9,145 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 57 789 SH   SOLE   789 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 176 802 SH   OTR 2 0 802 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,439 6,567 SH   SOLE   6,567 0 0
CORNING INC COMMON STOCK 219350105 79 2,184 SH   SOLE   2,184 0 0
CORTEVA INC COMMON STOCK 22052L104 2 58 SH   SOLE   58 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 45 120 SH   OTR 2 0 120 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,722 4,571 SH   SOLE   4,571 0 0
CSX CORP COMMON STOCK 126408103 14 150 SH   SOLE   150 0 0
CUMMINS INC COMMON STOCK 231021106 25 110 SH   OTR 2 0 110 0
CUMMINS INC COMMON STOCK 231021106 1,226 5,400 SH   SOLE   5,400 0 0
CVS HEALTH CORP COMMON STOCK 126650100 27 390 SH   OTR 2 0 390 0
CVS HEALTH CORP COMMON STOCK 126650100 18 269 SH   SOLE   269 0 0
DANAHER CORP COMMON STOCK 235851102 34 151 SH   OTR 2 0 151 0
DANAHER CORP COMMON STOCK 235851102 195 876 SH   SOLE   876 0 0
DEERE & CO COMMON STOCK 244199105 167 620 SH   SOLE   620 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 337 1,862 SH   OTR 2 0 1,862 0
DISNEY WALT CO NEW COMMON STOCK 254687106 4,320 23,841 SH   SOLE   23,841 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 26 122 SH   SOLE   122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 19 175 SH   OTR 2 0 175 0
DOLLAR TREE INC COMMON STOCK 256746108 1,517 14,038 SH   SOLE   14,038 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 43 575 SH   OTR 2 0 575 0
DOMINION ENERGY INC COMMON STOCK 25746U109 238 3,164 SH   SOLE   3,164 0 0
DOW INC COMMON STOCK 260557103 2 33 SH   OTR 2 0 33 0
DOW INC COMMON STOCK 260557103 82 1,475 SH   SOLE   1,475 0 0
DTE ENERGY CO COMMON STOCK 233331107 35 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 58 634 SH   OTR 2 0 634 0
DUKE ENERGY CORP COMMON STOCK 26441C204 130 1,422 SH   SOLE   1,422 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 90 1,271 SH   SOLE   1,271 0 0
EATON CORP PLC COMMON STOCK G29183103 78 650 SH   OTR 2 0 650 0
EATON CORP PLC COMMON STOCK G29183103 19 154 SH   SOLE   154 0 0
EBAY INC COMMON STOCK 278642103 20 400 SH   SOLE   400 0 0
ECOLAB INC COMMON STOCK 278865100 238 1,100 SH   OTR 2 0 1,100 0
ECOLAB INC COMMON STOCK 278865100 697 3,221 SH   SOLE   3,221 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 22 350 SH   SOLE   350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 4 25 SH   SOLE   25 0 0
EMERSON ELEC CO COMMON STOCK 291011104 255 3,170 SH   OTR 2 0 3,170 0
EMERSON ELEC CO COMMON STOCK 291011104 131 1,635 SH   SOLE   1,635 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 42 1,300 SH   SOLE   1,300 0 0
EOG RES INC COMMON STOCK 26875P101 2 35 SH   OTR 2 0 35 0
EOG RES INC COMMON STOCK 26875P101 140 2,801 SH   SOLE   2,801 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 51 1,082 SH   SOLE   1,082 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 38 435 SH   SOLE   435 0 0
EXELIXIS INC COMMON STOCK 30161Q104 10 510 SH   SOLE   510 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 368 8,935 SH   OTR 2 0 8,935 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,093 26,521 SH   SOLE   26,521 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 45 165 SH   OTR 2 0 165 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,063 3,892 SH   SOLE   3,892 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 20 60 SH   SOLE   60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 589 2,267 SH   SOLE   2,267 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 29 938 SH   SOLE   938 0 0
FISERV INC COMMON STOCK 337738108 333 2,925 SH   SOLE   2,925 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 88 10,050 SH   SOLE   10,050 0 0
FORTIVE CORP COMMON STOCK 34959J108 140 1,972 SH   SOLE   1,972 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 35 235 SH   OTR 2 0 235 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,210 8,132 SH   SOLE   8,132 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 230 21,256 SH   SOLE   21,256 0 0
GENERAL MLS INC COMMON STOCK 370334104 261 4,443 SH   SOLE   4,443 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 42 1,000 SH   SOLE   1,000 0 0
GENUINE PARTS CO COMMON STOCK 372460105 21 210 SH   SOLE   210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 17 295 SH   OTR 2 0 295 0
GILEAD SCIENCES INC COMMON STOCK 375558103 635 10,893 SH   SOLE   10,893 0 0
GLOBAL SELF STORAGE INC REIT COMMON STOCK 37955N106 4 1,000 SH   SOLE   1,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 7 25 SH   OTR 2 0 25 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 639 2,422 SH   SOLE   2,422 0 0
GRAINGER W W INC COMMON STOCK 384802104 57 140 SH   SOLE   140 0 0
HALLIBURTON CO COMMON STOCK 406216101 11 580 SH   SOLE   580 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 80 2,272 SH   SOLE   2,272 0 0
HOME DEPOT INC COMMON STOCK 437076102 503 1,895 SH   OTR 2 0 1,895 0
HOME DEPOT INC COMMON STOCK 437076102 3,869 14,566 SH   SOLE   14,566 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 189 890 SH   OTR 2 0 890 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,839 13,348 SH   SOLE   13,348 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 120 590 SH   SOLE   590 0 0
INFINERA CORP COMMON STOCK 45667G103 5 500 SH   SOLE   500 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 9 189 SH   SOLE   189 0 0
INTEL CORP COMMON STOCK 458140100 418 8,385 SH   OTR 2 0 8,385 0
INTEL CORP COMMON STOCK 458140100 2,031 40,771 SH   SOLE   40,771 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 70 605 SH   OTR 2 0 605 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,683 23,272 SH   SOLE   23,272 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 346 3,182 SH   SOLE   3,182 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 653 5,188 SH   OTR 2 0 5,188 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 306 2,431 SH   SOLE   2,431 0 0
INTUIT INC COMMON STOCK 461202103 308 810 SH   OTR 2 0 810 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 19 120 SH   SOLE   120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 73 673 SH   OTR 2 0 673 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 114 1,044 SH   SOLE   1,044 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,105 7,022 SH   OTR 2 0 7,022 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,847 24,442 SH   SOLE   24,442 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 975 7,675 SH   OTR 2 0 7,675 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 4,026 31,687 SH   SOLE   31,687 0 0
KADANT INC COMMON STOCK 48282T104 114 809 SH   SOLE   809 0 0
KELLOGG CO COMMON STOCK 487836108 72 1,155 SH   OTR 2 0 1,155 0
KELLOGG CO COMMON STOCK 487836108 6 100 SH   SOLE   100 0 0
KEYCORP COMMON STOCK 493267108 13 812 SH   SOLE   812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 23 170 SH   SOLE   170 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 68 1,670 SH   SOLE   1,670 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH   OTR 2 0 33 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 10 50 SH   SOLE   50 0 0
LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 16 1,500 SH   SOLE   1,500 0 0
LILLY ELI & CO COMMON STOCK 532457108 346 2,050 SH   OTR 2 0 2,050 0
LILLY ELI & CO COMMON STOCK 532457108 188 1,115 SH   SOLE   1,115 0 0
LINDE PLC COMMON STOCK G5494J103 72 275 SH   OTR 2 0 275 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 18 50 SH   OTR 2 0 50 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,282 3,612 SH   SOLE   3,612 0 0
LOWES COS INC COMMON STOCK 548661107 197 1,225 SH   OTR 2 0 1,225 0
LOWES COS INC COMMON STOCK 548661107 1,408 8,773 SH   SOLE   8,773 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 5 50 SH   SOLE   50 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH   SOLE   236 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 7 160 SH   SOLE   160 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 9 65 SH   OTR 2 0 65 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 27 204 SH   SOLE   204 0 0
MASCO CORP COMMON STOCK 574599106 12 225 SH   OTR 2 0 225 0
MASCO CORP COMMON STOCK 574599106 922 16,792 SH   SOLE   16,792 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 32 90 SH   OTR 2 0 90 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 2,011 5,633 SH   SOLE   5,633 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 111 1,158 SH   SOLE   1,158 0 0
MCDONALDS CORP COMMON STOCK 580135101 91 425 SH   OTR 2 0 425 0
MCDONALDS CORP COMMON STOCK 580135101 723 3,368 SH   SOLE   3,368 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 16 600 SH   SOLE   600 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 115 982 SH   OTR 2 0 982 0
MEDTRONIC PLC COMMON STOCK G5960L103 180 1,538 SH   SOLE   1,538 0 0
MERCK & CO INC COMMON STOCK 58933Y105 323 3,950 SH   OTR 2 0 3,950 0
MERCK & CO INC COMMON STOCK 58933Y105 2,035 24,882 SH   SOLE   24,882 0 0
METLIFE INC COMMON STOCK 59156R108 11 235 SH   OTR 2 0 235 0
METLIFE INC COMMON STOCK 59156R108 36 759 SH   SOLE   759 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,225 10,005 SH   OTR 2 0 10,005 0
MICROSOFT CORP COMMON STOCK 594918104 9,107 40,944 SH   SOLE   40,944 0 0
MODERNA INC COMMON STOCK 60770K107 5 50 SH   SOLE   50 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 207 SH   OTR 2 0 207 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 7 123 SH   SOLE   123 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 44 475 SH   SOLE   475 0 0
MORGAN STANLEY COMMON STOCK 617446448 144 2,100 SH   OTR 2 0 2,100 0
MORGAN STANLEY COMMON STOCK 617446448 904 13,187 SH   SOLE   13,187 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 23 382 SH   SOLE   382 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 21 665 SH   SOLE   665 0 0
NETFLIX INC COMMON STOCK 64110L106 62 115 SH   OTR 2 0 115 0
NETFLIX INC COMMON STOCK 64110L106 4,535 8,387 SH   SOLE   8,387 0 0
NEW YORK CITY REIT COMMON STOCK 649439205 3 362 SH   SOLE   362 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 194 2,520 SH   OTR 2 0 2,520 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,139 14,761 SH   SOLE   14,761 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 420 2,970 SH   OTR 2 0 2,970 0
NIKE INC-CLASS B COMMON STOCK 654106103 745 5,268 SH   SOLE   5,268 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 160 675 SH   OTR 2 0 675 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 67 280 SH   SOLE   280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 23 77 SH   SOLE   77 0 0
NOVAVAX INC COMMON STOCK 670002401 11 100 SH   SOLE   100 0 0
NUCOR CORP COMMON STOCK 670346105 2 35 SH   SOLE   35 0 0
NVIDIA CORP COMMON STOCK 67066G104 157 300 SH   OTR 2 0 300 0
NVIDIA CORP COMMON STOCK 67066G104 578 1,107 SH   SOLE   1,107 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 2 100 SH   OTR 2 0 100 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 9 512 SH   SOLE   512 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 399 6,165 SH   OTR 2 0 6,165 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,431 37,575 SH   SOLE   37,575 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 169 2,496 SH   OTR 2 0 2,496 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 35 519 SH   SOLE   519 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 86 625 SH   OTR 2 0 625 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 12 85 SH   SOLE   85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 26 95 SH   SOLE   95 0 0
PAYCHEX INC COMMON STOCK 704326107 152 1,635 SH   OTR 2 0 1,635 0
PAYCHEX INC COMMON STOCK 704326107 1,564 16,784 SH   SOLE   16,784 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 179 765 SH   OTR 2 0 765 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 6,132 26,183 SH   SOLE   26,183 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 133 1,535 SH   SOLE   1,535 0 0
PEPSICO INC COMMON STOCK 713448108 810 5,460 SH   OTR 2 0 5,460 0
PEPSICO INC COMMON STOCK 713448108 2,444 16,477 SH   SOLE   16,477 0 0
PFIZER INC COMMON STOCK 717081103 417 11,330 SH   OTR 2 0 11,330 0
PFIZER INC COMMON STOCK 717081103 2,171 58,984 SH   SOLE   58,984 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 8 100 SH   OTR 2 0 100 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 482 5,827 SH   SOLE   5,827 0 0
PHILLIPS 66 COMMON STOCK 718546104 21 297 SH   OTR 2 0 297 0
PHILLIPS 66 COMMON STOCK 718546104 861 12,317 SH   SOLE   12,317 0 0
PLUG POWER INC COMMON STOCK 72919P202 3 100 SH   SOLE   100 0 0
PPL CORP COMMON STOCK 69351T106 10 365 SH   SOLE   365 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 804 5,780 SH   OTR 2 0 5,780 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 3,135 22,532 SH   SOLE   22,532 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 40 508 SH   SOLE   508 0 0
QUALCOMM INC COMMON STOCK 747525103 45 295 SH   OTR 2 0 295 0
QUALCOMM INC COMMON STOCK 747525103 1,410 9,255 SH   SOLE   9,255 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 60 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 415 5,798 SH   OTR 2 0 5,798 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 385 5,390 SH   SOLE   5,390 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 41 550 SH   SOLE   550 0 0
ROKU INC COMMON STOCK 77543R102 33 100 SH   SOLE   100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 45 105 SH   SOLE   105 0 0
ROSS STORES INC COMMON STOCK 778296103 37 300 SH   SOLE   300 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 8 100 SH   SOLE   100 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 28 785 SH   SOLE   785 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,419 6,375 SH   SOLE   6,375 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 5 225 SH   OTR 2 0 225 0
SCHLUMBERGER LTD COMMON STOCK 806857108 18 803 SH   SOLE   803 0 0
SEMPRA ENERGY COMMON STOCK 816851109 18 145 SH   OTR 2 0 145 0
SEMPRA ENERGY COMMON STOCK 816851109 15 115 SH   SOLE   115 0 0
SERVICENOW INC COMMON STOCK 81762P102 8 15 SH   SOLE   15 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 154 210 SH   SOLE   210 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 41 36 SH   SOLE   36 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 23 270 SH   SOLE   270 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 21 390 SH   SOLE   390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 37 600 SH   OTR 2 0 600 0
SOUTHERN COMPANY COMMON STOCK 842587107 80 1,298 SH   SOLE   1,298 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 28 600 SH   SOLE   600 0 0
STARBUCKS CORP COMMON STOCK 855244109 231 2,160 SH   OTR 2 0 2,160 0
STARBUCKS CORP COMMON STOCK 855244109 2,490 23,271 SH   SOLE   23,271 0 0
STATE STREET CORP COMMON STOCK 857477103 28 380 SH   SOLE   380 0 0
STRYKER CORPORATION COMMON STOCK 863667101 366 1,495 SH   OTR 2 0 1,495 0
STRYKER CORPORATION COMMON STOCK 863667101 2,825 11,530 SH   SOLE   11,530 0 0
SYSCO CORP COMMON STOCK 871829107 23 315 SH   OTR 2 0 315 0
SYSCO CORP COMMON STOCK 871829107 674 9,082 SH   SOLE   9,082 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 271 1,790 SH   OTR 2 0 1,790 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 332 2,192 SH   SOLE   2,192 0 0
TARGET CORP COMMON STOCK 87612E106 374 2,116 SH   SOLE   2,116 0 0
TESLA INC COMMON STOCK 88160R101 363 515 SH   SOLE   515 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 34 210 SH   OTR 2 0 210 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,518 9,249 SH   SOLE   9,249 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 175 1,150 SH   SOLE   1,150 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 154 330 SH   OTR 2 0 330 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,117 6,691 SH   SOLE   6,691 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 7 90 SH   SOLE   90 0 0
TJX COS INC COMMON STOCK 872540109 153 2,245 SH   OTR 2 0 2,245 0
TJX COS INC COMMON STOCK 872540109 1,677 24,551 SH   SOLE   24,551 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 17 240 SH   SOLE   240 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 118 2,084 SH   OTR 2 0 2,084 0
TORONTO DOMINION BANK COMMON STOCK 891160509 107 1,890 SH   SOLE   1,890 0 0
TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 17 115 SH   SOLE   115 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 17 120 SH   OTR 2 0 120 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 566 4,029 SH   SOLE   4,029 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 5 100 SH   OTR 2 0 100 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 104 2,167 SH   SOLE   2,167 0 0
TWITTER INC COMMON STOCK 90184L102 1 15 SH   SOLE   15 0 0
TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 6 936 SH   SOLE   936 0 0
UNION PAC CORP COMMON STOCK 907818108 95 455 SH   OTR 2 0 455 0
UNION PAC CORP COMMON STOCK 907818108 2,701 12,970 SH   SOLE   12,970 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 118 700 SH   OTR 2 0 700 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 346 2,052 SH   SOLE   2,052 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 126 360 SH   OTR 2 0 360 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,574 4,487 SH   SOLE   4,487 0 0
US BANCORP NEW COMMON STOCK 902973304 149 3,190 SH   OTR 2 0 3,190 0
US BANCORP NEW COMMON STOCK 902973304 1,119 24,010 SH   SOLE   24,010 0 0
US CONCRETE INC COMMON STOCK 90333L201 10 250 SH   SOLE   250 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 21 365 SH   OTR 2 0 365 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 379 6,707 SH   SOLE   6,707 0 0
VALVOLINE INC COMMON STOCK 92047W101 10 425 SH   SOLE   425 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 262 4,467 SH   OTR 2 0 4,467 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,940 33,017 SH   SOLE   33,017 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 71 300 SH   OTR 2 0 300 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH   SOLE   15 0 0
VIACOMCBS INC CL B COMMON STOCK 92556H206 29 776 SH   OTR 2 0 776 0
VIATRIS INC COMMON STOCK 92556V106 24 1,255 SH   OTR 2 0 1,255 0
VIATRIS INC COMMON STOCK 92556V106 19 1,036 SH   SOLE   1,036 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 25 1,057 SH   SOLE   1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 278 1,270 SH   OTR 2 0 1,270 0
VISA INC CL A COMMON STOCK 92826C839 5,038 23,033 SH   SOLE   23,033 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 3 204 SH   SOLE   204 0 0
VONTIER CORP COMMON STOCK 928881101 20 608 SH   SOLE   608 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 409 2,758 SH   SOLE   2,758 0 0
WALMART INC COMMON STOCK 931142103 84 580 SH   OTR 2 0 580 0
WALMART INC COMMON STOCK 931142103 956 6,631 SH   SOLE   6,631 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 11 94 SH   SOLE   94 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 37 400 SH   SOLE   400 0 0
WELLS FARGO & CO COMMON STOCK 949746101 46 1,525 SH   OTR 2 0 1,525 0
WELLS FARGO & CO COMMON STOCK 949746101 178 5,887 SH   SOLE   5,887 0 0
WILLIAMS COS INC COMMON STOCK 969457100 25 1,230 SH   OTR 2 0 1,230 0
WILLIAMS COS INC COMMON STOCK 969457100 270 13,451 SH   SOLE   13,451 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 1 28 SH   SOLE   28 0 0
XYLEM INC COMMON STOCK 98419M100 7 73 SH   SOLE   73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 29 500 SH   SOLE   500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 11 100 SH   OTR 2 0 100 0
YUM! BRANDS INC COMMON STOCK 988498101 662 6,098 SH   SOLE   6,098 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 58 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 183 1,185 SH   SOLE   1,185 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 761 11,271 SH   OTR 2 0 11,271 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 15 220 SH   SOLE   220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 937 5,826 SH   OTR 2 0 5,826 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 306 1,903 SH   SOLE   1,903 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 490 7,271 SH   OTR 2 0 7,271 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 95 1,409 SH   SOLE   1,409 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 167 4,402 SH   OTR 2 0 4,402 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 24 636 SH   SOLE   636 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 747 25,336 SH   OTR 2 0 25,336 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 395 13,402 SH   SOLE   13,402 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 32 1,485 SH   SOLE   1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 990 8,727 SH   OTR 2 0 8,727 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 412 3,635 SH   SOLE   3,635 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 587 6,632 SH   OTR 2 0 6,632 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 224 2,532 SH   SOLE   2,532 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 29 1,780 SH   SOLE   1,780 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 189 3,427 SH   OTR 2 0 3,427 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 2,839 51,452 SH   SOLE   51,452 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 43 500 SH   OTR 2 0 500 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 215 2,484 SH   SOLE   2,484 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 25 196 SH   SOLE   196 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 79 342 SH   OTR 2 0 342 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 13,255 57,674 SH   SOLE   57,674 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 277 3,017 SH   OTR 2 0 3,017 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 10,022 109,057 SH   SOLE   109,057 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 309 2,617 SH   OTR 2 0 2,617 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 14,998 126,898 SH   SOLE   126,898 0 0
ISHARES GLOBAL TECH ETF OTHER 464287291 2 5 SH   SOLE   5 0 0
ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 994 39,897 SH   SOLE   39,897 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 835 32,666 SH   SOLE   32,666 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 792 30,154 SH   SOLE   30,154 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 50 1,888 SH   OTR 2 0 1,888 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 397 14,927 SH   SOLE   14,927 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 453 16,560 SH   SOLE   16,560 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 358 13,219 SH   SOLE   13,219 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 50 1,708 SH   OTR 2 0 1,708 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 230 7,776 SH   SOLE   7,776 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 466 16,946 SH   SOLE   16,946 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 50 1,912 SH   OTR 2 0 1,912 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 85 3,242 SH   SOLE   3,242 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 4 46 SH   OTR 2 0 46 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 128 1,432 SH   SOLE   1,432 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 17 235 SH   SOLE   235 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 20 396 SH   OTR 2 0 396 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5 93 SH   SOLE   93 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 870 7,419 SH   SOLE   7,419 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,308 73,946 SH   SOLE   73,946 0 0
ISHARES PREFERRED & INCOME SEC OTHER 464288687 39 1,000 SH   SOLE   1,000 0 0
ISHARES RUSSELL 1000 ETF OTHER 464287622 5 22 SH   SOLE   22 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 34 500 SH   OTR 2 0 500 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 429 6,255 SH   SOLE   6,255 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 33 735 SH   SOLE   735 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 51 1,836 SH   OTR 2 0 1,836 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 274 9,940 SH   SOLE   9,940 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 210 2,902 SH   OTR 2 0 2,902 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1,306 18,039 SH   SOLE   18,039 0 0
OCCIDENTAL PETROLEUM - WTS 8 OTHER 674599162 0 13 SH   SOLE   13 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH   SOLE   59 0 0
SPDR GOLD TRUST OTHER 78463V107 350 1,965 SH   SOLE   1,965 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 368 6,652 SH   SOLE   6,652 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 955 27,774 SH   SOLE   27,774 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 146 390 SH   OTR 2 0 390 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 9,358 25,030 SH   SOLE   25,030 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 14 100 SH   OTR 2 0 100 0
SPDR S&P BIOTECH ETF OTHER 78464A870 203 1,440 SH   SOLE   1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 42 1,260 SH   SOLE   1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 31 75 SH   SOLE   75 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 6 70 SH   OTR 2 0 70 0
SPDR S&P TELECOM ETF OTHER 78464A540 85 1,000 SH   SOLE   1,000 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 2,002 15,396 SH   OTR 2 0 15,396 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 542 4,165 SH   SOLE   4,165 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 154 2,461 SH   OTR 2 0 2,461 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 529 8,441 SH   SOLE   8,441 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 42 250 SH   SOLE   250 0 0
VANECK VECTORS GOLD MINERS ETF OTHER 92189F106 65 1,818 SH   SOLE   1,818 0 0
VANECK VECTORS SEMICONDUCTOR E OTHER 92189F676 94 432 SH   SOLE   432 0 0
VANGUARD GROWTH ETF OTHER 922908736 141 556 SH   SOLE   556 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 338 3,976 SH   OTR 2 0 3,976 0
VANGUARD REAL ESTATE ETF OTHER 922908553 38 445 SH   SOLE   445 0 0
VANGUARD S&P 500 ETF OTHER 922908363 36 105 SH   OTR 2 0 105 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,179 14,165 SH   OTR 2 0 14,165 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 28,243 339,252 SH   SOLE   339,252 0 0
WESTERN ASSET HIGH INCOME OP OTHER 95766K109 53 10,655 SH   SOLE   10,655 0 0
3M CO COMMON STOCK 88579Y101 13 75 SH   SOLE   75 0 0
ABBOTT LABS COMMON STOCK 002824100 22 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 65 593 SH   SOLE   593 0 0
ABBVIE INC COMMON STOCK 00287Y109 21 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 13 118 SH   SOLE   118 0 0
ADOBE INC COMMON STOCK 00724F101 174 348 SH   SOLE   348 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 272 155 SH   SOLE   155 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 75 43 SH   SOLE   43 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 18 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 404 124 SH   SOLE   124 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 36 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 18 150 SH   SOLE   150 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 52 338 SH   SOLE   338 0 0
AMGEN INC COMMON STOCK 031162100 34 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 18 79 SH   SOLE   79 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 26 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 56 420 SH   OTR   0 420 0
APPLE INC COMMON STOCK 037833100 1,187 8,942 SH   SOLE   8,942 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 717 23,985 SH   SOLE   23,985 0 0
AT&T INC COMMON STOCK 00206R102 9 300 SH   OTR   0 300 0
AT&T INC COMMON STOCK 00206R102 76 2,640 SH   SOLE   2,640 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 41 235 SH   SOLE   235 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 110 3,617 SH   SOLE   3,617 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 6 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 121 520 SH   SOLE   520 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 138 191 SH   SOLE   191 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 16 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 126 2,039 SH   SOLE   2,039 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 7 175 SH   SOLE   175 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 16 190 SH   OTR   0 190 0
CHEVRON CORPORATION COMMON STOCK 166764100 69 814 SH   SOLE   814 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 18 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 118 2,636 SH   SOLE   2,636 0 0
CLOROX COMPANY COMMON STOCK 189054109 15 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 109 1,986 SH   SOLE   1,986 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 17 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 25 290 SH   SOLE   290 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 20 495 SH   SOLE   495 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 81 369 SH   SOLE   369 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 104 277 SH   SOLE   277 0 0
CUMMINS INC COMMON STOCK 231021106 73 321 SH   SOLE   321 0 0
DANAHER CORP COMMON STOCK 235851102 22 101 SH   OTR   0 101 0
DANAHER CORP COMMON STOCK 235851102 13 59 SH   SOLE   59 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 33 SH   SOLE   33 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 36 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 282 1,555 SH   SOLE   1,555 0 0
DOLLAR TREE INC COMMON STOCK 256746108 78 725 SH   SOLE   725 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH   SOLE   200 0 0
DOW INC COMMON STOCK 260557103 4 66 SH   OTR   0 66 0
DOW INC COMMON STOCK 260557103 2 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 45 SH   SOLE   45 0 0
ECOLAB INC COMMON STOCK 278865100 24 110 SH   SOLE   110 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 9 220 SH   OTR   0 220 0
EXXON MOBIL CORP COMMON STOCK 30231G102 79 1,913 SH   SOLE   1,913 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 93 339 SH   SOLE   339 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 26 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 87 583 SH   SOLE   583 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 58 5,400 SH   SOLE   5,400 0 0
GENERAL MLS INC COMMON STOCK 370334104 6 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104 21 350 SH   SOLE   350 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 55 949 SH   SOLE   949 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 20 75 SH   SOLE   75 0 0
HOME DEPOT INC COMMON STOCK 437076102 27 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 237 893 SH   SOLE   893 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 179 841 SH   SOLE   841 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 41 200 SH   SOLE   200 0 0
INTEL CORP COMMON STOCK 458140100 20 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100 106 2,124 SH   SOLE   2,124 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 158 1,374 SH   SOLE   1,374 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 13 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 51 407 SH   SOLE   407 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 13 115 SH   SOLE   115 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 9 99 SH   SOLE   99 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 24 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104 296 1,881 SH   SOLE   1,881 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 241 1,899 SH   SOLE   1,899 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 7 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 2 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 79 222 SH   SOLE   222 0 0
LOWES COS INC COMMON STOCK 548661107 98 608 SH   SOLE   608 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 48 SH   OTR   0 48 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 10 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106 8 150 SH   SOLE   150 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 129 361 SH   SOLE   361 0 0
MCDONALDS CORP COMMON STOCK 580135101 21 100 SH   OTR   0 100 0
MCDONALDS CORP COMMON STOCK 580135101 60 280 SH   SOLE   280 0 0
MERCK & CO INC COMMON STOCK 58933Y105 150 1,839 SH   SOLE   1,839 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 62 447 SH   SOLE   447 0 0
MICROSOFT CORP COMMON STOCK 594918104 89 400 SH   OTR   0 400 0
MICROSOFT CORP COMMON STOCK 594918104 484 2,175 SH   SOLE   2,175 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448 21 300 SH   SOLE   300 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 30 SH   SOLE   30 0 0
NETFLIX INC COMMON STOCK 64110L106 214 396 SH   SOLE   396 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 35 460 SH   SOLE   460 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 93 655 SH   SOLE   655 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 3 170 SH   SOLE   170 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 19 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105 165 2,555 SH   SOLE   2,555 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 4 60 SH   SOLE   60 0 0
PAYCHEX INC COMMON STOCK 704326107 145 1,555 SH   SOLE   1,555 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 320 1,368 SH   SOLE   1,368 0 0
PEPSICO INC COMMON STOCK 713448108 22 150 SH   OTR   0 150 0
PEPSICO INC COMMON STOCK 713448108 133 900 SH   SOLE   900 0 0
PFIZER INC COMMON STOCK 717081103 139 3,775 SH   SOLE   3,775 0 0
PHILLIPS 66 COMMON STOCK 718546104 50 713 SH   SOLE   713 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 21 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 162 1,162 SH   SOLE   1,162 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 10 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 131 861 SH   SOLE   861 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 25 346 SH   SOLE   346 0 0
SALESFORCE.COM COMMON STOCK 79466L302 72 325 SH   SOLE   325 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 12 555 SH   SOLE   555 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 7 150 SH   SOLE   150 0 0
STARBUCKS CORP COMMON STOCK 855244109 140 1,310 SH   SOLE   1,310 0 0
STRYKER CORPORATION COMMON STOCK 863667101 206 839 SH   SOLE   839 0 0
SYSCO CORP COMMON STOCK 871829107 51 685 SH   SOLE   685 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 38 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 49 322 SH   SOLE   322 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 115 699 SH   SOLE   699 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 126 271 SH   SOLE   271 0 0
TJX COS INC COMMON STOCK 872540109 27 400 SH   OTR   0 400 0
TJX COS INC COMMON STOCK 872540109 133 1,943 SH   SOLE   1,943 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 53 377 SH   SOLE   377 0 0
UNION PAC CORP COMMON STOCK 907818108 133 639 SH   SOLE   639 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 6 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 109 310 SH   SOLE   310 0 0
US BANCORP NEW COMMON STOCK 902973304 86 1,846 SH   SOLE   1,846 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 28 500 SH   SOLE   500 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 126 2,149 SH   SOLE   2,149 0 0
VIATRIS INC COMMON STOCK 92556V106 4 196 SH   SOLE   196 0 0
VISA INC CL A COMMON STOCK 92826C839 15 70 SH   OTR   0 70 0
VISA INC CL A COMMON STOCK 92826C839 306 1,397 SH   SOLE   1,397 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
WALMART INC COMMON STOCK 931142103 53 366 SH   SOLE   366 0 0
WELLS FARGO & CO COMMON STOCK 949746101 18 600 SH   OTR   0 600 0
WELLS FARGO & CO COMMON STOCK 949746101 5 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 26 1,285 SH   SOLE   1,285 0 0
YUM! BRANDS INC COMMON STOCK 988498101 62 570 SH   SOLE   570 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 47 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 80 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 32 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 8 219 SH   SOLE   219 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 91 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 58 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 17 55 SH   SOLE   55 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 21 378 SH   SOLE   378 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 5 12 SH   SOLE   12 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 551 2,399 SH   SOLE   2,399 0 0
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ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 128 4,722 SH   SOLE   4,722 0 0
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ISHARES RUSSELL MIDCAP ETF OTHER 464287499 55 800 SH   SOLE   800 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 95 3,447 SH   SOLE   3,447 0 0
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SPDR S&P 500 ETF TRUST OTHER 78462F103 150 400 SH   SOLE   400 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 130 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 71 1,128 SH   SOLE   1,128 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 2,099 25,216 SH   SOLE   25,216 0 0
ABBOTT LABS COMMON STOCK 002824100 1,615 14,750 SH   DFND 3 14,750 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,625 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 5,001 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 738 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 6,134 3,500 SH   DFND 3 3,500 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 2 1 SH   DFND 3 1 0 0
AMAZON.COM INC COMMON STOCK 023135106 8,061 2,475 SH   DFND 3 2,475 0 0
AMGEN INC COMMON STOCK 031162100 2,736 11,900 SH   DFND 3 11,900 0 0
APPLE INC COMMON STOCK 037833100 9,156 69,000 SH   DFND 3 69,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 3,043 100,385 SH   DFND 3 100,385 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,214 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,886 4,000 SH   DFND 3 4,000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 434 7,000 SH   DFND 3 7,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 791 8,000 SH   DFND 3 8,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,056 12,500 SH   DFND 3 12,500 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,376 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,261 6,000 SH   DFND 3 6,000 0 0
DANAHER CORP COMMON STOCK 235851102 1,111 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,150 6,350 SH   DFND 3 6,350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 707 9,400 SH   DFND 3 9,400 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 2,531 6,600 SH   DFND 3 6,600 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 206 2,250 SH   DFND 3 2,250 0 0
ECOLAB INC COMMON STOCK 278865100 844 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 371 9,000 SH   DFND 3 9,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 3,415 12,500 SH   DFND 3 12,500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,480 5,700 SH   DFND 3 5,700 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 686 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,630 9,900 SH   DFND 3 9,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,127 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 1,201 24,100 SH   DFND 3 24,100 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3,245 28,150 SH   DFND 3 28,150 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,912 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,151 24,800 SH   DFND 3 24,800 0 0
MASCO CORP COMMON STOCK 574599106 2,747 50,000 SH   DFND 3 50,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 558 2,600 SH   DFND 3 2,600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,282 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 8,118 36,500 SH   DFND 3 36,500 0 0
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MORGAN STANLEY COMMON STOCK 617446448 2,399 35,000 SH   DFND 3 35,000 0 0
NETFLIX INC COMMON STOCK 64110L106 5,002 9,250 SH   DFND 3 9,250 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,018 13,200 SH   DFND 3 13,200 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,698 12,000 SH   DFND 3 12,000 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 0 1 SH   DFND 3 1 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,229 19,000 SH   DFND 3 19,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,405 6,000 SH   DFND 3 6,000 0 0
PEPSICO INC COMMON STOCK 713448108 2,106 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,006 54,500 SH   DFND 3 54,500 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,259 18,000 SH   DFND 3 18,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,477 17,800 SH   DFND 3 17,800 0 0
QUALCOMM INC COMMON STOCK 747525103 1,714 11,250 SH   DFND 3 11,250 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 1 SH   DFND 3 1 0 0
SALESFORCE.COM COMMON STOCK 79466L302 4,606 20,700 SH   DFND 3 20,700 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,543 2,100 SH   DFND 3 2,100 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 845 13,750 SH   DFND 3 13,750 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,561 10,450 SH   DFND 3 10,450 0 0
SYSCO CORP COMMON STOCK 871829107 1,300 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,443 5,245 SH   DFND 3 5,245 0 0
TJX COS INC COMMON STOCK 872540109 1,369 20,050 SH   DFND 3 20,050 0 0
TWITTER INC COMMON STOCK 90184L102 1,083 20,000 SH   DFND 3 20,000 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH   DFND 3 1 0 0
UNION PAC CORP COMMON STOCK 907818108 583 2,800 SH   DFND 3 2,800 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,516 9,000 SH   DFND 3 9,000 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4,033 11,500 SH   DFND 3 11,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 549 9,700 SH   DFND 3 9,700 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 881 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 7,437 34,000 SH   DFND 3 34,000 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 445 3,000 SH   DFND 3 3,000 0 0
WALMART INC COMMON STOCK 931142103 3,503 24,300 SH   DFND 3 24,300 0 0
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AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 651 2,900 SH   DFND 3 2,900 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 854 3,700 SH   DFND 3 3,700 0 0
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MEDTRONIC PLC COMMON STOCK G5960L103 1,335 11,400 SH   DFND 3 11,400 0 0
OCCIDENTAL PETROLEUM - WTS 8 OTHER 674599162 0 1 SH   DFND 3 1 0 0