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 1,383 56,209 SH   SOLE 0 53,873 175 2,161
AT&T Inc Com 00206R102 1,071 43,545 SH   OTR 0 38,233 400 4,912
Abbott Labs Com 002824100 6,967 49,503 SH   SOLE 0 48,903 0 600
Abbott Labs Com 002824100 2,782 19,767 SH   OTR 0 18,101 656 1,010
Abbvie Inc Com 00287Y109 2,971 21,939 SH   SOLE 0 21,639 0 300
Abbvie Inc Com 00287Y109 2,404 17,752 SH   OTR 0 14,392 330 3,030
Activision Blizzard, Inc Com 00507V109 672 10,106 SH   SOLE 0 10,106 0 0
Activision Blizzard, Inc Com 00507V109 466 7,000 SH   OTR 0 7,000 0 0
Air Products & Chemicals Inc Com 009158106 1,715 5,638 SH   SOLE 0 5,638 0 0
Air Products & Chemicals Inc Com 009158106 531 1,745 SH   OTR 0 1,745 0 0
Allstate Corp Com 020002101 76 649 SH   SOLE 0 649 0 0
Allstate Corp Com 020002101 235 2,000 SH   OTR 0 2,000 0 0
Alphabet Inc Cl C Com 02079K107 6,262 2,164 SH   SOLE 0 2,074 0 90
Alphabet Inc Cl C Com 02079K107 6,210 2,146 SH   OTR 0 2,016 0 130
Alphabet Inc Cl A Com 02079K305 4,418 1,525 SH   SOLE 0 1,505 0 20
Alphabet Inc Cl A Com 02079K305 901 311 SH   OTR 0 196 0 115
Altria Group Inc Com 02209S103 618 13,034 SH   SOLE 0 12,259 0 775
Altria Group Inc Com 02209S103 1,532 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 2,074 622 SH   SOLE 0 622 0 0
Amazon.Com Inc Com 023135106 1,130 339 SH   OTR 0 269 0 70
American Express CO Com 025816109 713 4,361 SH   SOLE 0 4,361 0 0
American Express CO Com 025816109 243 1,486 SH   OTR 0 1,200 0 286
American Tower Corp REIT Com 03027X100 152 518 SH   SOLE 0 518 0 0
American Tower Corp REIT Com 03027X100 209 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,802 9,540 SH   SOLE 0 9,540 0 0
American Water Works CO Inc Com 030420103 1,433 7,590 SH   OTR 0 6,060 100 1,430
Amgen Inc Com 031162100 586 2,603 SH   SOLE 0 2,603 0 0
Amgen Inc Com 031162100 278 1,235 SH   OTR 0 1,235 0 0
Amplify CWP Enhanced Dividend Com 032108409 312 8,176 SH   SOLE 0 8,176 0 0
Amplify CWP Enhanced Dividend Com 032108409 126 3,300 SH   OTR 0 3,300 0 0
APA Corporation Com 03743Q108 345 12,816 SH   SOLE 0 12,816 0 0
APA Corporation Com 03743Q108 84 3,135 SH   OTR 0 3,035 100 0
Apple Inc Com 037833100 25,969 146,245 SH   SOLE 0 132,802 360 13,083
Apple Inc Com 037833100 15,423 86,857 SH   OTR 0 75,167 2,420 9,270
Applied Materials Inc Com 038222105 220 1,400 SH   OTR 0 1,400 0 0
Arrow Finl Corp Com 042744102 284 8,051 SH   SOLE 0 1,847 0 6,204
Arrow Finl Corp Com 042744102 181 5,150 SH   OTR 0 5,150 0 0
Autoliv Inc Com 052800109 1,008 9,750 SH   SOLE 0 8,706 0 1,044
Autoliv Inc Com 052800109 1,111 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 5,043 20,452 SH   SOLE 0 20,172 0 280
Automatic Data Processing Inc Com 053015103 1,451 5,886 SH   OTR 0 5,271 135 480
BP PLC Spons ADR Com 055622104 77 2,895 SH   SOLE 0 2,895 0 0
BP PLC Spons ADR Com 055622104 174 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 973 21,866 SH   SOLE 0 21,218 0 648
Bank of America Corp Com 060505104 299 6,720 SH   OTR 0 6,720 0 0
Bank of New York Mellon Corp Com 064058100 611 10,523 SH   SOLE 0 10,523 0 0
Bank of New York Mellon Corp Com 064058100 49 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 607 7,070 SH   SOLE 0 7,070 0 0
Baxter Intl Inc Com 071813109 232 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 316 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 266 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,939 9,830 SH   SOLE 0 9,600 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,784 9,311 SH   OTR 0 9,263 48 0
Best Buy Company Inc Com 086516101 391 3,852 SH   SOLE 0 3,852 0 0
Best Buy Company Inc Com 086516101 40 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 204 3,374 SH   SOLE 0 3,174 0 200
BHP Group Ltd Spons ADR Com 088606108 61 1,015 SH   OTR 0 965 0 50
Blackrock Inc Cl A Com 09247X101 38 41 SH   SOLE 0 41 0 0
Blackrock Inc Cl A Com 09247X101 444 485 SH   OTR 0 80 5 400
Boeing CO Com 097023105 1,509 7,495 SH   SOLE 0 7,295 0 200
Boeing CO Com 097023105 1,841 9,145 SH   OTR 0 8,815 180 150
Bristol Myers Squibb CO Com 110122108 3,669 58,851 SH   SOLE 0 56,036 695 2,120
Bristol Myers Squibb CO Com 110122108 2,155 34,570 SH   OTR 0 28,530 350 5,690
Cigna Corp Com 125523100 207 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 17 73 SH   OTR 0 73 0 0
CME Group Inc. Com 12572Q105 155 677 SH   SOLE 0 677 0 0
CME Group Inc. Com 12572Q105 49 213 SH   OTR 0 163 50 0
Csx Corp Com 126408103 315 8,388 SH   SOLE 0 8,388 0 0
Csx Corp Com 126408103 244 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,638 35,262 SH   SOLE 0 34,442 0 820
CVS Health Corp Com 126650100 2,235 21,669 SH   OTR 0 18,104 390 3,175
Carrier Global Corporation Com 14448C104 1,236 22,782 SH   SOLE 0 21,988 100 694
Carrier Global Corporation Com 14448C104 904 16,671 SH   OTR 0 13,765 1,106 1,800
Caterpillar Inc Com 149123101 2,656 12,849 SH   SOLE 0 11,961 0 888
Caterpillar Inc Com 149123101 2,086 10,092 SH   OTR 0 9,755 37 300
Chevron Corporation Com 166764100 4,790 40,818 SH   SOLE 0 38,603 350 1,865
Chevron Corporation Com 166764100 3,453 29,424 SH   OTR 0 27,734 410 1,280
Chipotle Mexican Grill Inc Com 169656105 136 78 SH   SOLE 0 78 0 0
Chipotle Mexican Grill Inc Com 169656105 65 37 SH   OTR 0 37 0 0
Choice Hotels International In Com 169905106 211 1,350 SH   SOLE 0 1,350 0 0
Cisco Systems Inc Com 17275R102 4,504 71,076 SH   SOLE 0 67,183 0 3,893
Cisco Systems Inc Com 17275R102 3,148 49,669 SH   OTR 0 47,924 715 1,030
Citigroup Inc Com 172967424 650 10,763 SH   SOLE 0 10,763 0 0
Citigroup Inc Com 172967424 329 5,450 SH   OTR 0 5,300 150 0
Clorox Company Com 189054109 910 5,218 SH   SOLE 0 5,218 0 0
Clorox Company Com 189054109 477 2,735 SH   OTR 0 2,250 0 485
Coca Cola CO Com 191216100 2,603 43,958 SH   SOLE 0 38,064 910 4,984
Coca Cola CO Com 191216100 1,090 18,405 SH   OTR 0 13,275 150 4,980
Colgate Palmolive CO Com 194162103 1,158 13,571 SH   SOLE 0 11,711 410 1,450
Colgate Palmolive CO Com 194162103 634 7,430 SH   OTR 0 3,980 0 3,450
ComCast Corp-Cl A Com 20030N101 1,090 21,660 SH   SOLE 0 19,386 0 2,274
ComCast Corp-Cl A Com 20030N101 558 11,079 SH   OTR 0 8,746 810 1,523
Conocophillips Com 20825C104 620 8,586 SH   SOLE 0 8,486 100 0
Conocophillips Com 20825C104 117 1,622 SH   OTR 0 1,322 150 150
Corning Inc Com 219350105 546 14,676 SH   SOLE 0 14,676 0 0
Corning Inc Com 219350105 400 10,750 SH   OTR 0 8,000 900 1,850
Corteva Inc Com Com 22052L104 88 1,853 SH   SOLE 0 1,762 0 91
Corteva Inc Com Com 22052L104 373 7,895 SH   OTR 0 7,667 0 228
Costco Wholesale Corp Com 22160K105 931 1,640 SH   SOLE 0 1,640 0 0
Costco Wholesale Corp Com 22160K105 701 1,234 SH   OTR 0 744 0 490
DTE Energy Co Com 233331107 360 3,009 SH   SOLE 0 3,009 0 0
Danaher Corp Com 235851102 6,167 18,744 SH   SOLE 0 16,784 0 1,960
Danaher Corp Com 235851102 3,575 10,865 SH   OTR 0 9,673 135 1,057
Deere & CO Com 244199105 2,504 7,302 SH   SOLE 0 6,614 25 663
Deere & CO Com 244199105 3,709 10,818 SH   OTR 0 10,748 70 0
Dicks Sporting Goods Inc Com 253393102 429 3,731 SH   SOLE 0 3,731 0 0
Dicks Sporting Goods Inc Com 253393102 52 453 SH   OTR 0 453 0 0
Digital Realty Trust Inc REIT Com 253868103 314 1,777 SH   SOLE 0 1,777 0 0
Disney Walt CO New Com 254687106 5,180 33,446 SH   SOLE 0 32,263 0 1,183
Disney Walt CO New Com 254687106 3,337 21,546 SH   OTR 0 20,221 600 725
Dominion Resources Inc Com 25746U109 1,209 15,392 SH   SOLE 0 15,082 0 310
Dominion Resources Inc Com 25746U109 672 8,560 SH   OTR 0 6,040 80 2,440
Dover Corp Com 260003108 202 1,111 SH   SOLE 0 711 0 400
Dover Corp Com 260003108 36 200 SH   OTR 0 200 0 0
Dow Inc Com Com 260557103 870 15,335 SH   SOLE 0 15,244 0 91
Dow Inc Com Com 260557103 1,104 19,460 SH   OTR 0 17,686 16 1,758
Duke Energy Corp Com 26441C204 360 3,435 SH   SOLE 0 3,150 285 0
Duke Energy Corp Com 26441C204 144 1,375 SH   OTR 0 1,275 100 0
Dupont De Nemours Inc Com 26614N102 1,199 14,844 SH   SOLE 0 14,753 0 91
Dupont De Nemours Inc Com 26614N102 1,119 13,847 SH   OTR 0 12,561 316 970
Ecolab Inc Com 278865100 1,605 6,841 SH   SOLE 0 6,841 0 0
Ecolab Inc Com 278865100 711 3,030 SH   OTR 0 2,540 40 450
Emerson Elec CO Com 291011104 1,018 10,954 SH   SOLE 0 10,954 0 0
Emerson Elec CO Com 291011104 315 3,390 SH   OTR 0 3,190 200 0
Exelon Corp Com 30161N101 222 3,845 SH   SOLE 0 3,845 0 0
Exelon Corp Com 30161N101 152 2,640 SH   OTR 0 2,290 0 350
Exxonmobil Corp Com 30231G102 5,056 82,622 SH   SOLE 0 78,686 790 3,146
Exxonmobil Corp Com 30231G102 4,158 67,945 SH   OTR 0 64,340 660 2,945
Meta Platforms Inc Com 30303M102 1,831 5,443 SH   SOLE 0 5,443 0 0
Meta Platforms Inc Com 30303M102 1,396 4,149 SH   OTR 0 4,149 0 0
Fedex Corporation Com 31428X106 211 816 SH   SOLE 0 816 0 0
Fedex Corporation Com 31428X106 71 275 SH   OTR 0 275 0 0
Fiserv Inc Com 337738108 474 4,569 SH   SOLE 0 4,569 0 0
Fiserv Inc Com 337738108 91 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 45,575 1,154,080 SH   SOLE 0 1,149,219 0 4,861
FlexShares Mstar Glbl Upstrm N Com 33939L407 3,365 85,211 SH   OTR 0 82,259 340 2,612
FlexShares Global Quality Real Com 33939L787 855 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 7,721 134,629 SH   SOLE 0 134,629 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 932 16,250 SH   OTR 0 15,777 0 473
FlexShares International Quali Com 33939L837 789 30,840 SH   SOLE 0 30,840 0 0
FlexShares International Quali Com 33939L837 77 3,020 SH   OTR 0 3,020 0 0
Fortive Corp Com 34959J108 348 4,567 SH   SOLE 0 4,267 0 300
Fortive Corp Com 34959J108 145 1,899 SH   OTR 0 1,055 50 794
Freeport-McMoran Inc Com 35671D857 132 3,175 SH   SOLE 0 3,175 0 0
Freeport-McMoran Inc Com 35671D857 105 2,525 SH   OTR 0 800 0 1,725
General Dynamics Corp Com 369550108 1,069 5,129 SH   SOLE 0 4,979 0 150
General Dynamics Corp Com 369550108 161 770 SH   OTR 0 670 0 100
General Electric Co New Com 369604301 447 4,735 SH   SOLE 0 4,381 0 354
General Electric Co New Com 369604301 241 2,546 SH   OTR 0 2,537 0 9
General Mls Inc Com 370334104 747 11,085 SH   SOLE 0 10,587 0 498
General Mls Inc Com 370334104 499 7,405 SH   OTR 0 6,610 100 695
Gilead Sciences Inc Com 375558103 401 5,520 SH   SOLE 0 5,520 0 0
Gilead Sciences Inc Com 375558103 341 4,690 SH   OTR 0 2,130 60 2,500
Glaxo Smithkline Spons ADR Com 37733W105 324 7,351 SH   SOLE 0 7,201 0 150
Glaxo Smithkline Spons ADR Com 37733W105 88 1,987 SH   OTR 0 1,182 55 750
Global X US Preferred ETF Com 37954Y657 309 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104 1,390 3,633 SH   SOLE 0 3,613 20 0
Goldman Sachs Group Inc Com 38141G104 1,557 4,071 SH   OTR 0 4,056 15 0
Grainger W W Inc Com 384802104 1,720 3,318 SH   SOLE 0 3,318 0 0
Grainger W W Inc Com 384802104 1,034 1,995 SH   OTR 0 1,115 100 780
Home Depot Inc Com 437076102 1,458 3,514 SH   SOLE 0 3,514 0 0
Home Depot Inc Com 437076102 2,178 5,248 SH   OTR 0 4,148 150 950
Honeywell International Inc Com 438516106 3,652 17,515 SH   SOLE 0 16,600 0 915
Honeywell International Inc Com 438516106 1,619 7,764 SH   OTR 0 5,535 300 1,929
Illinois Tool Wks Inc Com 452308109 424 1,716 SH   SOLE 0 1,716 0 0
Illinois Tool Wks Inc Com 452308109 93 375 SH   OTR 0 375 0 0
Intel Corp Com 458140100 4,995 96,996 SH   SOLE 0 94,471 1,025 1,500
Intel Corp Com 458140100 1,666 32,356 SH   OTR 0 29,466 1,540 1,350
Intercontinental Exchange Inc Com 45866F104 881 6,445 SH   SOLE 0 6,445 0 0
Intercontinental Exchange Inc Com 45866F104 175 1,280 SH   OTR 0 1,115 0 165
Intl. Business Machines Corp Com 459200101 2,335 17,468 SH   SOLE 0 15,385 430 1,653
Intl. Business Machines Corp Com 459200101 2,259 16,899 SH   OTR 0 15,301 15 1,583
Invesco SP 500 Low Volatility Com 46138E354 240 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 185 8,375 SH   OTR 0 8,375 0 0
IQVIA Holdings Inc Com 46266C105 223 790 SH   OTR 0 790 0 0
Ishares DJ Select Dividend ETF Com 464287168 221 1,800 SH   SOLE 0 1,800 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 404 3,128 SH   SOLE 0 3,128 0 0
Ishares Core S&P 500 ETF Com 464287200 291 610 SH   SOLE 0 610 0 0
Ishares Core Total U.S. Aggreg Com 464287226 343 3,005 SH   SOLE 0 3,005 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,870 79,225 SH   SOLE 0 78,209 525 491
Ishares Msci Emerging Mkt ETF Com 464287234 1,092 22,360 SH   OTR 0 20,949 561 850
Ishares Msci Eafe ETF Com 464287465 3,777 48,006 SH   SOLE 0 47,016 0 990
Ishares Msci Eafe ETF Com 464287465 1,286 16,339 SH   OTR 0 15,649 200 490
Ishares Core S&P Mid-Cap ETF Com 464287507 1,876 6,628 SH   SOLE 0 6,628 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 541 1,911 SH   OTR 0 1,766 0 145
Ishares Nasdaq Biotech ETF Com 464287556 3,483 22,824 SH   SOLE 0 22,236 96 492
Ishares Nasdaq Biotech ETF Com 464287556 2,201 14,420 SH   OTR 0 12,265 540 1,615
Ishares Tr Rus 1000 Val ETF Com 464287598 231 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 325 3,816 SH   SOLE 0 3,816 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 186 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 335 1,097 SH   SOLE 0 1,097 0 0
IShares Russell 1000 ETF Com 464287622 247 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630 324 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 Value ETF Com 464287630 31 185 SH   OTR 0 0 185 0
Ishares Russell 2000 ETF Com 464287655 6,224 27,978 SH   SOLE 0 26,696 0 1,282
Ishares Russell 2000 ETF Com 464287655 857 3,851 SH   OTR 0 3,716 100 35
Ishares DJ US Telcom Sector ET Com 464287713 1,003 30,484 SH   SOLE 0 30,484 0 0
Ishares DJ US Telcom Sector ET Com 464287713 650 19,740 SH   OTR 0 19,540 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 562 4,909 SH   SOLE 0 4,909 0 0
Ishares S&P Smallcap/600 Growt Com 464287887 202 1,456 SH   SOLE 0 1,456 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 4,581 62,671 SH   SOLE 0 62,661 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 440 6,020 SH   OTR 0 6,020 0 0
Ishares New York Muni Bond ETF Com 464288323 1,012 17,467 SH   SOLE 0 17,467 0 0
Ishares IBoxx High Yield Corpo Com 464288513 2,053 23,591 SH   SOLE 0 23,591 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 364 6,763 SH   SOLE 0 6,763 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,686 68,123 SH   SOLE 0 68,123 0 0
Ishares S&P Pref Stk ETF Com 464288687 406 10,304 SH   OTR 0 6,324 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 20,875 189,278 SH   SOLE 0 187,625 0 1,653
Ishares MSCI EAFE Growth ETF Com 464288885 1,431 12,971 SH   OTR 0 12,891 0 80
IShares Russell Top 200 Growth Com 464289438 300 1,730 SH   SOLE 0 1,730 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 299 5,326 SH   SOLE 0 5,326 0 0
iShares Core High Dividend ETF Com 46429B663 931 9,216 SH   SOLE 0 9,216 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 455 4,300 SH   OTR 0 4,300 0 0
Ishares Core Msci Eafe ETF Com 46432F842 10,469 140,255 SH   SOLE 0 140,200 0 55
Ishares Core Msci Eafe ETF Com 46432F842 839 11,235 SH   OTR 0 11,235 0 0
Ishares Core Emerging Markets Com 46434G103 5,437 90,821 SH   SOLE 0 90,821 0 0
Ishares Core Emerging Markets Com 46434G103 1,068 17,842 SH   OTR 0 16,242 0 1,600
IShares Core Intnl Agg Bond ET Com 46435G672 351 6,432 SH   SOLE 0 6,432 0 0
IShares Broad USD High Yield C Com 46435U853 230 5,580 SH   OTR 0 5,580 0 0
JP Morgan Chase & CO Com 46625H100 9,495 59,961 SH   SOLE 0 58,409 112 1,440
JP Morgan Chase & CO Com 46625H100 7,011 44,275 SH   OTR 0 37,366 605 6,304
JPMorgan Ultra-Short Income ET Com 46641Q837 68 1,345 SH   SOLE 0 1,345 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 151 3,000 SH   OTR 0 0 0 3,000
Jacobs Engineering Group Inc Com 469814107 414 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 10,144 59,296 SH   SOLE 0 53,701 150 5,445
Johnson & Johnson Com 478160104 5,120 29,927 SH   OTR 0 26,114 335 3,478
Kimberly Clark Corp Com 494368103 570 3,988 SH   SOLE 0 3,988 0 0
Kimberly Clark Corp Com 494368103 57 400 SH   OTR 0 400 0 0
Kraft Heinz CO Com 500754106 179 4,981 SH   SOLE 0 4,981 0 0
Kraft Heinz CO Com 500754106 254 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 494 1,790 SH   SOLE 0 1,262 0 528
Lilly Eli & CO Com 532457108 1,750 6,335 SH   OTR 0 5,285 25 1,025
Lockheed Martin Corp Com 539830109 2,736 7,697 SH   SOLE 0 7,182 0 515
Lockheed Martin Corp Com 539830109 819 2,305 SH   OTR 0 2,305 0 0
Lowes Cos Inc Com 548661107 10,711 41,438 SH   SOLE 0 40,908 25 505
Lowes Cos Inc Com 548661107 6,144 23,771 SH   OTR 0 22,646 325 800
Marsh & McLennan Companies Inc Com 571748102 218 1,253 SH   SOLE 0 1,253 0 0
Marsh & McLennan Companies Inc Com 571748102 91 525 SH   OTR 0 525 0 0
Marriott International Inc Com 571903202 338 2,047 SH   SOLE 0 2,047 0 0
Mastercard Inc Cl A Com 57636Q104 242 673 SH   SOLE 0 673 0 0
Mastercard Inc Cl A Com 57636Q104 172 480 SH   OTR 0 480 0 0
McDonalds Corp Com 580135101 8,239 30,733 SH   SOLE 0 30,503 75 155
McDonalds Corp Com 580135101 4,707 17,557 SH   OTR 0 16,744 238 575
Merck & CO Inc Com 58933Y105 3,175 41,423 SH   SOLE 0 39,973 650 800
Merck & CO Inc Com 58933Y105 1,613 21,047 SH   OTR 0 19,397 300 1,350
Metlife Inc Com 59156R108 386 6,177 SH   SOLE 0 6,177 0 0
Metlife Inc Com 59156R108 101 1,611 SH   OTR 0 1,200 111 300
Microsoft Corp Com 594918104 22,174 65,931 SH   SOLE 0 62,663 180 3,088
Microsoft Corp Com 594918104 11,983 35,629 SH   OTR 0 33,268 710 1,651
Microchip Technology Inc Com 595017104 2,919 33,524 SH   SOLE 0 33,524 0 0
Microchip Technology Inc Com 595017104 933 10,720 SH   OTR 0 8,870 300 1,550
Mondelez International Inc Com 609207105 568 8,564 SH   SOLE 0 8,150 0 414
Mondelez International Inc Com 609207105 1,234 18,617 SH   OTR 0 18,617 0 0
Morgan Stanley Com 617446448 263 2,682 SH   SOLE 0 2,682 0 0
Morgan Stanley Com 617446448 25 250 SH   OTR 0 250 0 0
NBT Bancorp Inc Com 628778102 5,428 140,903 SH   SOLE 0 86,877 2,500 51,526
NBT Bancorp Inc Com 628778102 744 19,306 SH   OTR 0 16,040 0 3,266
Netflix Inc Com 64110L106 444 737 SH   SOLE 0 737 0 0
Nextera Energy Inc Com 65339F101 2,896 31,024 SH   SOLE 0 29,224 0 1,800
Nextera Energy Inc Com 65339F101 2,313 24,778 SH   OTR 0 13,603 120 11,055
Nike Inc-Class B Com 654106103 2,978 17,866 SH   SOLE 0 17,866 0 0
Nike Inc-Class B Com 654106103 1,108 6,645 SH   OTR 0 6,645 0 0
Norfolk Southern Corp Com 655844108 1,397 4,694 SH   SOLE 0 4,694 0 0
Norfolk Southern Corp Com 655844108 1,970 6,616 SH   OTR 0 4,501 70 2,045
Novartis Ag Spons ADR Com 66987V109 1,183 13,527 SH   SOLE 0 13,377 0 150
Novartis Ag Spons ADR Com 66987V109 791 9,038 SH   OTR 0 8,938 100 0
Nucor Corp Com 670346105 997 8,737 SH   SOLE 0 8,737 0 0
Nucor Corp Com 670346105 425 3,725 SH   OTR 0 2,975 0 750
Nvidia Corp Com 67066G104 1,274 4,332 SH   SOLE 0 4,332 0 0
Nvidia Corp Com 67066G104 129 440 SH   OTR 0 440 0 0
O'Reilly Automotive Inc Com 67103H107 424 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 3,171 36,362 SH   SOLE 0 34,862 0 1,500
Oracle Corporation Com 68389X105 942 10,805 SH   OTR 0 8,035 70 2,700
Otis Worldwide Corp Com 68902V107 969 11,127 SH   SOLE 0 10,730 50 347
Otis Worldwide Corp Com 68902V107 633 7,275 SH   OTR 0 6,622 553 100
Palo Alto Networks Com 697435105 398 715 SH   SOLE 0 715 0 0
Palo Alto Networks Com 697435105 326 585 SH   OTR 0 585 0 0
Paypal Holdings Inc Com 70450Y103 249 1,320 SH   SOLE 0 1,320 0 0
Paypal Holdings Inc Com 70450Y103 545 2,890 SH   OTR 0 1,040 0 1,850
Pepsico Inc Com 713448108 7,457 42,926 SH   SOLE 0 42,253 100 573
Pepsico Inc Com 713448108 3,360 19,341 SH   OTR 0 18,186 345 810
Pfizer Inc Com 717081103 6,590 111,592 SH   SOLE 0 107,071 0 4,521
Pfizer Inc Com 717081103 3,295 55,801 SH   OTR 0 51,552 1,385 2,864
Philip Morris International Com 718172109 807 8,499 SH   SOLE 0 7,824 0 675
Philip Morris International Com 718172109 2,473 26,027 SH   OTR 0 26,027 0 0
T Rowe Price Group Inc Com 74144T108 4,607 23,429 SH   SOLE 0 23,379 50 0
T Rowe Price Group Inc Com 74144T108 2,787 14,171 SH   OTR 0 13,691 295 185
Procter & Gamble CO Com 742718109 10,221 62,486 SH   SOLE 0 57,538 425 4,523
Procter & Gamble CO Com 742718109 5,683 34,744 SH   OTR 0 30,364 380 4,000
Prudential Finl Inc Com 744320102 1,447 13,367 SH   SOLE 0 13,317 50 0
Prudential Finl Inc Com 744320102 1,387 12,817 SH   OTR 0 12,467 150 200
Public Service Enterprise Grou Com 744573106 102 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106 170 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 4,548 24,871 SH   SOLE 0 24,446 0 425
Qualcomm Inc Com 747525103 2,452 13,409 SH   OTR 0 12,684 225 500
Quanta Services Incorporated Com 74762E102 774 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,324 38,622 SH   SOLE 0 37,652 100 870
Raytheon Technologies Corp Com 75513E101 2,438 28,334 SH   OTR 0 24,343 1,186 2,805
Rockwell Automation Inc Com 773903109 185 530 SH   SOLE 0 530 0 0
Rockwell Automation Inc Com 773903109 87 250 SH   OTR 0 250 0 0
Royal Dutch Shell PLC Spons AD Com 780259107 243 5,600 SH   OTR 0 2,000 0 3,600
S&P Global Inc Com 78409V104 802 1,700 SH   OTR 0 0 0 1,700
SPDR S&P 500 ETF Trust Com 78462F103 5,728 12,059 SH   SOLE 0 11,645 0 414
SPDR S&P 500 ETF Trust Com 78462F103 824 1,735 SH   OTR 0 1,415 160 160
SPDR Gold Trust Com 78463V107 434 2,539 SH   SOLE 0 2,539 0 0
SPDR Gold Trust Com 78463V107 9 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 345 8,318 SH   SOLE 0 8,318 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,765 103,201 SH   SOLE 0 103,201 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,067 29,252 SH   OTR 0 29,252 0 0
SPDR Preferred Stock ETF Com 78464A292 286 6,675 SH   SOLE 0 6,675 0 0
SPDR Portfolio Intermediate Te Com 78464A375 709 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,353 33,213 SH   SOLE 0 32,713 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,518 21,422 SH   OTR 0 21,222 100 100
SPDR S&P Dividend ETF Com 78464A763 10,807 83,701 SH   SOLE 0 83,701 0 0
SPDR S&P Dividend ETF Com 78464A763 1,014 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 167 3,062 SH   SOLE 0 3,062 0 0
SPDR S&P Bank ETF Com 78464A797 45 830 SH   OTR 0 730 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,245 3,427 SH   SOLE 0 3,427 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 240 660 SH   OTR 0 560 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 8,152 15,747 SH   SOLE 0 14,921 0 826
Midcap SPDR Trust Series 1 Com 78467Y107 1,107 2,138 SH   OTR 0 2,036 50 52
Salesforce.Com Com 79466L302 2,213 8,708 SH   SOLE 0 8,688 20 0
Salesforce.Com Com 79466L302 1,569 6,175 SH   OTR 0 6,175 0 0
Schlumberger Ltd Com 806857108 776 25,924 SH   SOLE 0 25,109 0 815
Schlumberger Ltd Com 806857108 465 15,520 SH   OTR 0 15,330 190 0
Charles Schwab Corp Com 808513105 246 2,931 SH   SOLE 0 2,931 0 0
Charles Schwab Corp Com 808513105 301 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 1,435 14,015 SH   SOLE 0 14,015 0 0
Schwab US Small Cap ETF Com 808524607 100 975 SH   OTR 0 975 0 0
Schwab Fundamental Intl Lg Co Com 808524755 261 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 7,527 93,116 SH   SOLE 0 91,232 0 1,884
Schwab US Dividend Equity ETF Com 808524797 1,304 16,130 SH   OTR 0 16,130 0 0
Schwab International Equity ET Com 808524805 3,011 77,465 SH   SOLE 0 77,465 0 0
Schwab International Equity ET Com 808524805 507 13,044 SH   OTR 0 12,379 0 665
Schwab US Aggregate Bd ETF Com 808524839 1,084 20,106 SH   SOLE 0 20,106 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,703 31,587 SH   OTR 0 30,922 0 665
Materials Select SPDR Fund Com 81369Y100 1,800 19,868 SH   SOLE 0 17,870 0 1,998
Materials Select SPDR Fund Com 81369Y100 895 9,876 SH   OTR 0 9,056 375 445
Health Care Select Sector SPDR Com 81369Y209 1,175 8,338 SH   SOLE 0 8,338 0 0
Health Care Select Sector SPDR Com 81369Y209 21 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 653 8,470 SH   SOLE 0 7,910 0 560
Consumer Staples Select Sector Com 81369Y308 32 410 SH   OTR 0 130 100 180
Consumer Discretionary Selt Com 81369Y407 1,843 9,015 SH   SOLE 0 7,185 0 1,830
Consumer Discretionary Selt Com 81369Y407 234 1,145 SH   OTR 0 770 250 125
Energy Select Sector SPDR Com 81369Y506 479 8,635 SH   SOLE 0 8,402 0 233
Energy Select Sector SPDR Com 81369Y506 100 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 1,132 28,978 SH   SOLE 0 26,289 0 2,689
Financial Select Sector SPDR Com 81369Y605 94 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 1,186 11,211 SH   SOLE 0 11,211 0 0
Industrial Select Sector SPDR Com 81369Y704 71 670 SH   OTR 0 580 0 90
Technology Select Sect SPDR Com 81369Y803 2,861 16,457 SH   SOLE 0 16,196 162 99
Technology Select Sect SPDR Com 81369Y803 281 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 1,148 22,160 SH   SOLE 0 20,042 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,818 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 2,307 32,235 SH   SOLE 0 28,072 0 4,163
Utilities Select Sector SPDR Com 81369Y886 1,160 16,201 SH   OTR 0 15,224 475 502
Simon Ppty Group Inc Com 828806109 16 100 SH   SOLE 0 100 0 0
Simon Ppty Group Inc Com 828806109 288 1,800 SH   OTR 0 1,800 0 0
Skyworks Solutions Inc Com 83088M102 279 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,144 16,688 SH   SOLE 0 16,688 0 0
Southern Company Com 842587107 773 11,265 SH   OTR 0 11,140 0 125
Starbucks Corp Com 855244109 153 1,306 SH   SOLE 0 1,306 0 0
Starbucks Corp Com 855244109 604 5,160 SH   OTR 0 5,160 0 0
State Street Corp Com 857477103 255 2,747 SH   SOLE 0 2,747 0 0
State Street Corp Com 857477103 53 575 SH   OTR 0 575 0 0
Stericycle Inc Com 858912108 161 2,705 SH   SOLE 0 2,705 0 0
Stericycle Inc Com 858912108 98 1,650 SH   OTR 0 800 0 850
Stryker Corporation Com 863667101 274 1,025 SH   SOLE 0 1,025 0 0
Sysco Corp Com 871829107 439 5,595 SH   SOLE 0 5,595 0 0
Sysco Corp Com 871829107 457 5,824 SH   OTR 0 5,399 0 425
TJX Cos Inc Com 872540109 2,802 36,907 SH   SOLE 0 35,307 300 1,300
TJX Cos Inc Com 872540109 2,849 37,525 SH   OTR 0 32,891 430 4,204
Target Corp Com 87612E106 3,886 16,789 SH   SOLE 0 16,514 0 275
Target Corp Com 87612E106 3,199 13,822 SH   OTR 0 11,017 155 2,650
Texas Instruments Inc Com 882508104 152 807 SH   SOLE 0 807 0 0
Texas Instruments Inc Com 882508104 55 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 17 26 SH   SOLE 0 26 0 0
Thermo Fisher Scientific Inc Com 883556102 767 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 1,939 10,918 SH   SOLE 0 9,968 330 620
3m CO Com 88579Y101 459 2,585 SH   OTR 0 1,950 265 370
Truist Financial Corporation Com 89832Q109 371 6,345 SH   SOLE 0 6,345 0 0
Truist Financial Corporation Com 89832Q109 188 3,210 SH   OTR 0 3,210 0 0
US Bancorp New Com 902973304 993 17,679 SH   SOLE 0 17,679 0 0
US Bancorp New Com 902973304 449 8,000 SH   OTR 0 4,729 555 2,716
Union Pac Corp Com 907818108 4,795 19,035 SH   SOLE 0 18,127 0 908
Union Pac Corp Com 907818108 4,236 16,815 SH   OTR 0 15,185 50 1,580
United Parcel Service Cl B Com 911312106 872 4,070 SH   SOLE 0 4,070 0 0
United Parcel Service Cl B Com 911312106 428 1,999 SH   OTR 0 1,964 35 0
Unitedhealth Group Inc Com 91324P102 3,800 7,568 SH   SOLE 0 7,368 0 200
Unitedhealth Group Inc Com 91324P102 2,615 5,207 SH   OTR 0 4,192 120 895
Vaneck ETF Trust Agribusiness Com 92189F700 1,164 12,199 SH   SOLE 0 11,399 50 750
Vaneck ETF Trust Agribusiness Com 92189F700 1,066 11,173 SH   OTR 0 10,948 125 100
Vanguard Dividend Appreciation Com 921908844 142 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 172 1,000 SH   OTR 0 1,000 0 0
Vanguard Total Intl Stock Et Com 921909768 59 925 SH   SOLE 0 925 0 0
Vanguard Total Intl Stock Et Com 921909768 327 5,150 SH   OTR 0 5,150 0 0
Vanguard Intermediate-Term Bon Com 921937819 484 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 129 1,475 SH   OTR 0 1,475 0 0
Vanguard FTSE Developed Market Com 921943858 140 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 175 3,425 SH   OTR 0 3,425 0 0
Vanguard High Dividend Yield E Com 921946406 295 2,627 SH   SOLE 0 2,627 0 0
Vanguard High Dividend Yield E Com 921946406 70 620 SH   OTR 0 620 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,794 36,281 SH   SOLE 0 36,281 0 0
Vanguard Ftse Emerging Markets Com 922042858 462 9,340 SH   OTR 0 8,840 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,123 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,533 16,523 SH   OTR 0 16,523 0 0
Vanguard S&P 500 ETF Com 922908363 11,159 25,560 SH   SOLE 0 25,373 0 187
Vanguard Mid-Cap Value Index F Com 922908512 463 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 1,312 11,309 SH   SOLE 0 11,309 0 0
Vanguard Real Estate ETF Com 922908553 640 5,521 SH   OTR 0 4,830 591 100
Vanguard Index Fund Mid-Cap Com 922908629 183 719 SH   SOLE 0 719 0 0
Vanguard Index Fund Mid-Cap Com 922908629 98 385 SH   OTR 0 385 0 0
Vanguard Large-Cap ETF Com 922908637 211 955 SH   OTR 0 955 0 0
Veoneer Incorporated Com Com 92336X109 338 9,521 SH   SOLE 0 9,521 0 0
Veoneer Incorporated Com Com 92336X109 431 12,139 SH   OTR 0 12,139 0 0
Verizon Communications Com 92343V104 3,105 59,750 SH   SOLE 0 55,515 830 3,405
Verizon Communications Com 92343V104 1,996 38,405 SH   OTR 0 32,479 280 5,646
Visa Inc Cl A Com 92826C839 1,870 8,631 SH   SOLE 0 8,631 0 0
Visa Inc Cl A Com 92826C839 1,838 8,480 SH   OTR 0 7,280 100 1,100
Wal Mart Inc Com 931142103 2,241 15,489 SH   SOLE 0 15,089 0 400
Wal Mart Inc Com 931142103 1,931 13,349 SH   OTR 0 11,733 350 1,266
Walgreens Boots Alliance Inc Com 931427108 294 5,628 SH   SOLE 0 5,628 0 0
Walgreens Boots Alliance Inc Com 931427108 100 1,920 SH   OTR 0 1,320 0 600
Waste Management Inc Com 94106L109 23 140 SH   SOLE 0 140 0 0
Waste Management Inc Com 94106L109 247 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,441 30,039 SH   SOLE 0 29,639 0 400
Wells Fargo & CO Com 949746101 588 12,250 SH   OTR 0 9,310 755 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 2,056 46,359 SH   SOLE 0 45,596 0 763
WisdomTree MidCap Dividend ETF Com 97717W505 263 5,928 SH   OTR 0 2,918 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 573 17,440 SH   SOLE 0 17,312 0 128
WisdomTree SmallCap Dividend E Com 97717W604 26 802 SH   OTR 0 802 0 0
Xylem Inc Com 98419M100 403 3,364 SH   SOLE 0 3,364 0 0
Xylem Inc Com 98419M100 246 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 415 2,989 SH   SOLE 0 2,989 0 0
Yum! Brands Inc Com 988498101 127 914 SH   OTR 0 914 0 0
Zebra Technologies Corp Com 989207105 219 368 SH   OTR 0 368 0 0
Zimmer Biomet Holdings Inc Com 98956P102 357 2,808 SH   SOLE 0 2,478 60 270
Zimmer Biomet Holdings Inc Com 98956P102 320 2,515 SH   OTR 0 2,160 100 255
Deutsche Bank Ag ADR Com D18190898 125 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 109 263 SH   SOLE 0 263 0 0
Accenture PLC Cl A Com G1151C101 500 1,205 SH   OTR 0 0 30 1,175
Eaton Corp PLC Com G29183103 665 3,846 SH   SOLE 0 3,846 0 0
Eaton Corp PLC Com G29183103 913 5,284 SH   OTR 0 4,209 0 1,075
Linde PLC Com G5494J103 2,158 6,230 SH   SOLE 0 6,230 0 0
Linde PLC Com G5494J103 1,195 3,449 SH   OTR 0 2,524 0 925
Medtronic PLC Com G5960L103 1,048 10,129 SH   SOLE 0 10,129 0 0
Medtronic PLC Com G5960L103 925 8,937 SH   OTR 0 8,591 71 275