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 351 2,250 SH   OTR 2 0 2,250 0
3M CO COMMON STOCK 88579Y101 566 3,626 SH   SOLE   3,626 0 0
ABBOTT LABS COMMON STOCK 002824100 101 1,100 SH   OTR 2 0 1,100 0
ABBOTT LABS COMMON STOCK 002824100 694 7,587 SH   SOLE   7,587 0 0
ABBVIE INC COMMON STOCK 00287Y109 199 2,025 SH   OTR 2 0 2,025 0
ABBVIE INC COMMON STOCK 00287Y109 627 6,385 SH   SOLE   6,385 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 48 225 SH   SOLE   225 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 10 135 SH   SOLE   135 0 0
ADOBE INC COMMON STOCK 00724F101 102 235 SH   OTR 2 0 235 0
ADOBE INC COMMON STOCK 00724F101 2,550 5,858 SH   SOLE   5,858 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 72 299 SH   SOLE   299 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 27 240 SH   SOLE   240 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 452 319 SH   OTR 2 0 319 0
ALPHABET INC CL A COMMON STOCK 02079K305 6,181 4,359 SH   SOLE   4,359 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 184 130 SH   OTR 2 0 130 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,939 1,372 SH   SOLE   1,372 0 0
ALPS SECTOR DIVIDEND DOGS ETF OTHER 00162Q858 38 1,043 SH   SOLE   1,043 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH   OTR 2 0 150 0
ALTRIA GROUP INC COMMON STOCK 02209S103 347 8,842 SH   SOLE   8,842 0 0
AMAZON.COM INC COMMON STOCK 023135106 425 154 SH   OTR 2 0 154 0
AMAZON.COM INC COMMON STOCK 023135106 8,301 3,009 SH   SOLE   3,009 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 33 415 SH   SOLE   415 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 131 1,380 SH   OTR 2 0 1,380 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 228 2,390 SH   SOLE   2,390 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 16 520 SH   SOLE   520 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 164 635 SH   SOLE   635 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 39 305 SH   OTR 2 0 305 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 592 4,598 SH   SOLE   4,598 0 0
AMGEN INC COMMON STOCK 031162100 59 250 SH   OTR 2 0 250 0
AMGEN INC COMMON STOCK 031162100 2,200 9,326 SH   SOLE   9,326 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 15 120 SH   SOLE   120 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 39 14,000 SH   SOLE   14,000 0 0
APPLE INC COMMON STOCK 037833100 1,241 3,403 SH   OTR 2 0 3,403 0
APPLE INC COMMON STOCK 037833100 9,592 26,295 SH   SOLE   26,295 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 153 2,525 SH   SOLE   2,525 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH   SOLE   200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 591 19,868 SH   OTR 2 0 19,868 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 38,726 1,302,593 SH   SOLE   1,302,593 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 20 291 SH   SOLE   291 0 0
AT&T INC COMMON STOCK 00206R102 157 5,184 SH   OTR 2 0 5,184 0
AT&T INC COMMON STOCK 00206R102 826 27,308 SH   SOLE   27,308 0 0
AUTODESK INC COMMON STOCK 052769106 19 80 SH   SOLE   80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 562 3,775 SH   OTR 2 0 3,775 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 226 1,520 SH   SOLE   1,520 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   SOLE   30 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 129 5,420 SH   OTR 2 0 5,420 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,379 58,055 SH   SOLE   58,055 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 57 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 49 1,280 SH   SOLE   1,280 0 0
BAOZUN INC SPONS ADR COMMON STOCK 06684L103 5 126 SH   SOLE   126 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 8 300 SH   SOLE   300 0 0
BAXTER INTL INC COMMON STOCK 071813109 164 1,900 SH   OTR 2 0 1,900 0
BAXTER INTL INC COMMON STOCK 071813109 41 480 SH   SOLE   480 0 0
BECTON DICKINSON COMMON STOCK 075887109 35 145 SH   OTR 2 0 145 0
BECTON DICKINSON COMMON STOCK 075887109 72 300 SH   SOLE   300 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 226 1,265 SH   OTR 2 0 1,265 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,436 13,648 SH   SOLE   13,648 0 0
BEST BUY CO INC COMMON STOCK 086516101 4 50 SH   SOLE   50 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 122 225 SH   OTR 2 0 225 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,519 4,629 SH   SOLE   4,629 0 0
BLACKSTONE GROUP INC CL A COMMON STOCK 09260D107 57 1,008 SH   SOLE   1,008 0 0
BOEING CO COMMON STOCK 097023105 37 200 SH   OTR 2 0 200 0
BOEING CO COMMON STOCK 097023105 275 1,500 SH   SOLE   1,500 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 505 317 SH   SOLE   317 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 28 795 SH   SOLE   795 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 49 2,122 SH   SOLE   2,122 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 142 2,420 SH   OTR 2 0 2,420 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,874 31,868 SH   SOLE   31,868 0 0
BROOKFIELD PROPERTY PARTNERS L COMMON STOCK G16249107 10 1,000 SH   OTR 2 0 1,000 0
BROOKFIELD PROPERTY PARTNERS L COMMON STOCK G16249107 1 125 SH   SOLE   125 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 24 380 SH   SOLE   380 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH   OTR 2 0 200 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH   SOLE   200 0 0
CARNIVAL CORP COMMON STOCK 143658300 11 700 SH   SOLE   700 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 144 6,470 SH   OTR 2 0 6,470 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 161 7,262 SH   SOLE   7,262 0 0
CATERPILLAR INC COMMON STOCK 149123101 130 1,025 SH   OTR 2 0 1,025 0
CATERPILLAR INC COMMON STOCK 149123101 257 2,030 SH   SOLE   2,030 0 0
CERNER CORP COMMON STOCK 156782104 57 828 SH   SOLE   828 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 21 625 SH   SOLE   625 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 133 1,240 SH   SOLE   1,240 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 305 3,419 SH   OTR 2 0 3,419 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,157 12,968 SH   SOLE   12,968 0 0
CIGNA CORP COMMON STOCK 125523100 8 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 60 1,280 SH   OTR 2 0 1,280 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,159 46,289 SH   SOLE   46,289 0 0
CLOROX COMPANY COMMON STOCK 189054109 22 100 SH   OTR 2 0 100 0
CLOROX COMPANY COMMON STOCK 189054109 146 667 SH   SOLE   667 0 0
CME GROUP INC COMMON STOCK 12572Q105 109 668 SH   SOLE   668 0 0
CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH   SOLE   121 0 0
COCA COLA CO COMMON STOCK 191216100 133 2,980 SH   OTR 2 0 2,980 0
COCA COLA CO COMMON STOCK 191216100 1,330 29,776 SH   SOLE   29,776 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 432 5,900 SH   OTR 2 0 5,900 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 282 3,854 SH   SOLE   3,854 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 12 300 SH   OTR 2 0 300 0
COMCAST CORP-CL A COMMON STOCK 20030N101 179 4,588 SH   SOLE   4,588 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 645 11,931 SH   OTR 2 0 11,931 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 19 360 SH   SOLE   360 0 0
CONDUENT INC COMMON STOCK 206787103 0 22 SH   SOLE   22 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 41 971 SH   OTR 2 0 971 0
CONOCOPHILLIPS COMMON STOCK 20825C104 343 8,153 SH   SOLE   8,153 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 776 6,076 SH   OTR 2 0 6,076 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 252 1,974 SH   SOLE   1,974 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 444 7,571 SH   OTR 2 0 7,571 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 88 1,504 SH   SOLE   1,504 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 53 739 SH   SOLE   739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 140 802 SH   OTR 2 0 802 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,319 7,540 SH   SOLE   7,540 0 0
CORNING INC COMMON STOCK 219350105 90 3,484 SH   SOLE   3,484 0 0
CORTEVA INC COMMON STOCK 22052L104 28 1,042 SH   SOLE   1,042 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 36 120 SH   OTR 2 0 120 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,437 4,739 SH   SOLE   4,739 0 0
CROWN CASTLE INTL CORP REIT COMMON STOCK 22822V101 5 29 SH   SOLE   29 0 0
CSX CORP COMMON STOCK 126408103 10 150 SH   SOLE   150 0 0
CUMMINS INC COMMON STOCK 231021106 19 110 SH   OTR 2 0 110 0
CUMMINS INC COMMON STOCK 231021106 908 5,239 SH   SOLE   5,239 0 0
CVS HEALTH CORP COMMON STOCK 126650100 25 390 SH   OTR 2 0 390 0
CVS HEALTH CORP COMMON STOCK 126650100 33 502 SH   SOLE   502 0 0
DANAHER CORP COMMON STOCK 235851102 27 151 SH   OTR 2 0 151 0
DANAHER CORP COMMON STOCK 235851102 191 1,080 SH   SOLE   1,080 0 0
DAVE & BUSTER'S ENTERTAINMENT COMMON STOCK 238337109 6 426 SH   SOLE   426 0 0
DEERE & CO COMMON STOCK 244199105 89 565 SH   SOLE   565 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 208 1,862 SH   OTR 2 0 1,862 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,782 24,944 SH   SOLE   24,944 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 23 122 SH   SOLE   122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 16 175 SH   OTR 2 0 175 0
DOLLAR TREE INC COMMON STOCK 256746108 1,247 13,454 SH   SOLE   13,454 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 47 575 SH   OTR 2 0 575 0
DOMINION ENERGY INC COMMON STOCK 25746U109 325 4,008 SH   SOLE   4,008 0 0
DOW INC COMMON STOCK 260557103 1 33 SH   OTR 2 0 33 0
DOW INC COMMON STOCK 260557103 114 2,795 SH   SOLE   2,795 0 0
DTE ENERGY CO COMMON STOCK 233331107 31 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 51 634 SH   OTR 2 0 634 0
DUKE ENERGY CORP COMMON STOCK 26441C204 99 1,233 SH   SOLE   1,233 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 43 655 SH   SOLE   655 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 154 2,904 SH   SOLE   2,904 0 0
EATON CORP PLC COMMON STOCK G29183103 70 800 SH   OTR 2 0 800 0
EATON CORP PLC COMMON STOCK G29183103 13 154 SH   SOLE   154 0 0
EBAY INC COMMON STOCK 278642103 21 400 SH   SOLE   400 0 0
ECOLAB INC COMMON STOCK 278865100 219 1,100 SH   OTR 2 0 1,100 0
ECOLAB INC COMMON STOCK 278865100 674 3,386 SH   SOLE   3,386 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 19 350 SH   SOLE   350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   SOLE   25 0 0
EMERSON ELEC CO COMMON STOCK 291011104 197 3,170 SH   OTR 2 0 3,170 0
EMERSON ELEC CO COMMON STOCK 291011104 134 2,168 SH   SOLE   2,168 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 40 1,300 SH   SOLE   1,300 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 26 685 SH   SOLE   685 0 0
EOG RES INC COMMON STOCK 26875P101 2 35 SH   OTR 2 0 35 0
EOG RES INC COMMON STOCK 26875P101 157 3,107 SH   SOLE   3,107 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 46 1,082 SH   SOLE   1,082 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 36 435 SH   SOLE   435 0 0
EXELIXIS INC COMMON STOCK 30161Q104 12 510 SH   SOLE   510 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 438 9,800 SH   OTR 2 0 9,800 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,476 33,012 SH   SOLE   33,012 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 37 165 SH   OTR 2 0 165 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,032 4,545 SH   SOLE   4,545 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 20 60 SH   SOLE   60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 318 2,267 SH   SOLE   2,267 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 613 26,506 SH   OTR 2 0 26,506 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 318 13,723 SH   SOLE   13,723 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 31 801 SH   SOLE   801 0 0
FISERV INC COMMON STOCK 337738108 305 3,125 SH   SOLE   3,125 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 57 9,400 SH   SOLE   9,400 0 0
FORTIVE CORP COMMON STOCK 34959J108 168 2,484 SH   SOLE   2,484 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 26 1,485 SH   SOLE   1,485 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 76 510 SH   OTR 2 0 510 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,182 7,907 SH   SOLE   7,907 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 9 1,275 SH   OTR 2 0 1,275 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 139 20,377 SH   SOLE   20,377 0 0
GENERAL MLS INC COMMON STOCK 370334104 284 4,604 SH   SOLE   4,604 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 25 1,000 SH   SOLE   1,000 0 0
GENUINE PARTS CO COMMON STOCK 372460105 18 210 SH   SOLE   210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 69 895 SH   OTR 2 0 895 0
GILEAD SCIENCES INC COMMON STOCK 375558103 778 10,115 SH   SOLE   10,115 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 5 25 SH   OTR 2 0 25 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 481 2,432 SH   SOLE   2,432 0 0
GRAINGER W W INC COMMON STOCK 384802104 53 170 SH   SOLE   170 0 0
HALLIBURTON CO COMMON STOCK 406216101 11 830 SH   SOLE   830 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 75 2,070 SH   SOLE   2,070 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 912 9,109 SH   OTR 2 0 9,109 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 368 3,676 SH   SOLE   3,676 0 0
HOME DEPOT INC COMMON STOCK 437076102 506 2,020 SH   OTR 2 0 2,020 0
HOME DEPOT INC COMMON STOCK 437076102 3,952 15,774 SH   SOLE   15,774 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 129 890 SH   OTR 2 0 890 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,951 13,494 SH   SOLE   13,494 0 0
HORMEL FOODS CORP COMMON STOCK 440452100 4 80 SH   SOLE   80 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 3 260 SH   SOLE   260 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 86 490 SH   SOLE   490 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 476 6,924 SH   OTR 2 0 6,924 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 180 2,618 SH   SOLE   2,618 0 0
INFINERA CORP COMMON STOCK 45667G103 3 500 SH   SOLE   500 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 5 189 SH   SOLE   189 0 0
INTEL CORP COMMON STOCK 458140100 502 8,385 SH   OTR 2 0 8,385 0
INTEL CORP COMMON STOCK 458140100 2,088 34,892 SH   SOLE   34,892 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 55 605 SH   OTR 2 0 605 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,487 27,148 SH   SOLE   27,148 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 425 3,474 SH   SOLE   3,474 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 627 5,188 SH   OTR 2 0 5,188 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 321 2,661 SH   SOLE   2,661 0 0
INTUIT INC COMMON STOCK 461202103 240 810 SH   OTR 2 0 810 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 24 1,780 SH   SOLE   1,780 0 0
INVESCO WATER RESOURCES ETF OTHER 46137V142 6 171 SH   SOLE   171 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 12 100 SH   SOLE   100 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 53 300 SH   OTR 2 0 300 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 10,279 57,807 SH   SOLE   57,807 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 192 2,813 SH   OTR 2 0 2,813 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 7,743 113,382 SH   SOLE   113,382 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 315 2,665 SH   OTR 2 0 2,665 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 15,100 127,741 SH   SOLE   127,741 0 0
ISHARES IBONDS DEC 2020 TERM OTHER 46434VAQ3 20 791 SH   SOLE   791 0 0
ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 673 26,759 SH   SOLE   26,759 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 577 22,453 SH   SOLE   22,453 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 352 13,436 SH   SOLE   13,436 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 70 2,650 SH   SOLE   2,650 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 71 2,628 SH   SOLE   2,628 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 123 4,621 SH   SOLE   4,621 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 180 6,239 SH   SOLE   6,239 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 368 13,747 SH   SOLE   13,747 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH   OTR 2 0 46 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 99 1,432 SH   SOLE   1,432 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 14 235 SH   SOLE   235 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 16 396 SH   OTR 2 0 396 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 4 93 SH   SOLE   93 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 963 8,344 SH   SOLE   8,344 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,108 71,403 SH   SOLE   71,403 0 0
ISHARES RUSSELL 1000 GROWTH ET OTHER 464287614 3 14 SH   SOLE   14 0 0
ISHARES RUSSELL 1000 VALUE ETF OTHER 464287598 6 55 SH   SOLE   55 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 284 1,986 SH   SOLE   1,986 0 0
ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 160 775 SH   SOLE   775 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 27 500 SH   OTR 2 0 500 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 707 13,194 SH   SOLE   13,194 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 286 2,644 SH   SOLE   2,644 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 126 2,300 SH   OTR 2 0 2,300 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 2,008 36,701 SH   SOLE   36,701 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 25 735 SH   SOLE   735 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 122 4,540 SH   SOLE   4,540 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 22 120 SH   SOLE   120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 57 675 SH   OTR 2 0 675 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 101 1,187 SH   SOLE   1,187 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,016 7,222 SH   OTR 2 0 7,222 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,024 28,613 SH   SOLE   28,613 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 728 7,735 SH   OTR 2 0 7,735 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,231 34,353 SH   SOLE   34,353 0 0
KADANT INC COMMON STOCK 48282T104 81 809 SH   SOLE   809 0 0
KELLOGG CO COMMON STOCK 487836108 76 1,155 SH   OTR 2 0 1,155 0
KELLOGG CO COMMON STOCK 487836108 7 100 SH   SOLE   100 0 0
KEYCORP COMMON STOCK 493267108 10 812 SH   SOLE   812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 31 220 SH   SOLE   220 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 52 1,670 SH   SOLE   1,670 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH   OTR 2 0 33 0
LEGG MASON INC COMMON STOCK 524901105 3 70 SH   SOLE   70 0 0
LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 16 1,500 SH   SOLE   1,500 0 0
LILLY ELI & CO COMMON STOCK 532457108 353 2,150 SH   OTR 2 0 2,150 0
LILLY ELI & CO COMMON STOCK 532457108 183 1,115 SH   SOLE   1,115 0 0
LINDE PLC COMMON STOCK G5494J103 58 275 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 1,220 3,342 SH   SOLE   3,342 0 0
LOWES COS INC COMMON STOCK 548661107 166 1,225 SH   OTR 2 0 1,225 0
LOWES COS INC COMMON STOCK 548661107 1,231 9,107 SH   SOLE   9,107 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 3 236 SH   SOLE   236 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 6 160 SH   SOLE   160 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 65 SH   OTR 2 0 65 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 171 1,993 SH   SOLE   1,993 0 0
MASCO CORP COMMON STOCK 574599106 11 225 SH   OTR 2 0 225 0
MASCO CORP COMMON STOCK 574599106 931 18,541 SH   SOLE   18,541 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 27 90 SH   OTR 2 0 90 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 1,659 5,609 SH   SOLE   5,609 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 177 3,148 SH   OTR 2 0 3,148 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1,029 18,266 SH   SOLE   18,266 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 108 600 SH   SOLE   600 0 0
MCDONALDS CORP COMMON STOCK 580135101 78 425 SH   OTR 2 0 425 0
MCDONALDS CORP COMMON STOCK 580135101 622 3,370 SH   SOLE   3,370 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 13 600 SH   SOLE   600 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 90 982 SH   OTR 2 0 982 0
MEDTRONIC PLC COMMON STOCK G5960L103 152 1,655 SH   SOLE   1,655 0 0
MERCK & CO INC COMMON STOCK 58933Y105 305 3,950 SH   OTR 2 0 3,950 0
MERCK & CO INC COMMON STOCK 58933Y105 1,982 25,627 SH   SOLE   25,627 0 0
METLIFE INC COMMON STOCK 59156R108 9 235 SH   OTR 2 0 235 0
METLIFE INC COMMON STOCK 59156R108 35 964 SH   SOLE   964 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,220 10,910 SH   OTR 2 0 10,910 0
MICROSOFT CORP COMMON STOCK 594918104 9,665 47,492 SH   SOLE   47,492 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 207 SH   OTR 2 0 207 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 221 SH   SOLE   221 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 33 475 SH   SOLE   475 0 0
MORGAN STANLEY COMMON STOCK 617446448 109 2,250 SH   OTR 2 0 2,250 0
MORGAN STANLEY COMMON STOCK 617446448 755 15,623 SH   SOLE   15,623 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 28 SH   SOLE   28 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 20 665 SH   SOLE   665 0 0
NETFLIX INC COMMON STOCK 64110L106 52 115 SH   OTR 2 0 115 0
NETFLIX INC COMMON STOCK 64110L106 4,265 9,373 SH   SOLE   9,373 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 151 630 SH   OTR 2 0 630 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,069 4,449 SH   SOLE   4,449 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 379 3,870 SH   OTR 2 0 3,870 0
NIKE INC-CLASS B COMMON STOCK 654106103 582 5,935 SH   SOLE   5,935 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 123 700 SH   OTR 2 0 700 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 58 330 SH   SOLE   330 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 20 65 SH   SOLE   65 0 0
NUCOR CORP COMMON STOCK 670346105 1 35 SH   SOLE   35 0 0
NVIDIA CORP COMMON STOCK 67066G104 134 353 SH   OTR 2 0 353 0
NVIDIA CORP COMMON STOCK 67066G104 564 1,484 SH   SOLE   1,484 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 2 100 SH   OTR 2 0 100 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 26 1,396 SH   SOLE   1,396 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 341 6,165 SH   OTR 2 0 6,165 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,077 37,588 SH   SOLE   37,588 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 168 2,958 SH   OTR 2 0 2,958 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 227 3,995 SH   SOLE   3,995 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 62 625 SH   OTR 2 0 625 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 17 95 SH   SOLE   95 0 0
PAYCHEX INC COMMON STOCK 704326107 124 1,635 SH   OTR 2 0 1,635 0
PAYCHEX INC COMMON STOCK 704326107 1,149 15,172 SH   SOLE   15,172 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 133 765 SH   OTR 2 0 765 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 5,347 30,691 SH   SOLE   30,691 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 43 1,416 SH   SOLE   1,416 0 0
PEPSICO INC COMMON STOCK 713448108 735 5,560 SH   OTR 2 0 5,560 0
PEPSICO INC COMMON STOCK 713448108 2,530 19,126 SH   SOLE   19,126 0 0
PFIZER INC COMMON STOCK 717081103 370 11,330 SH   OTR 2 0 11,330 0
PFIZER INC COMMON STOCK 717081103 2,142 65,515 SH   SOLE   65,515 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 7 100 SH   OTR 2 0 100 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 615 8,773 SH   SOLE   8,773 0 0
PHILLIPS 66 COMMON STOCK 718546104 23 322 SH   OTR 2 0 322 0
PHILLIPS 66 COMMON STOCK 718546104 999 13,888 SH   SOLE   13,888 0 0
PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 16 154 SH   SOLE   154 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 11 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 695 5,810 SH   OTR 2 0 5,810 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 3,087 25,819 SH   SOLE   25,819 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 6 100 SH   OTR 2 0 100 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 62 1,019 SH   SOLE   1,019 0 0
QUALCOMM INC COMMON STOCK 747525103 27 295 SH   OTR 2 0 295 0
QUALCOMM INC COMMON STOCK 747525103 990 10,856 SH   SOLE   10,856 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 57 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 404 6,563 SH   OTR 2 0 6,563 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 790 12,827 SH   SOLE   12,827 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH   SOLE   59 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 31 550 SH   SOLE   550 0 0
ROKU INC COMMON STOCK 77543R102 12 100 SH   SOLE   100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 47 120 SH   SOLE   120 0 0
ROSS STORES INC COMMON STOCK 778296103 36 420 SH   SOLE   420 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 7 100 SH   SOLE   100 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,306 6,972 SH   SOLE   6,972 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 13 725 SH   OTR 2 0 725 0
SCHLUMBERGER LTD COMMON STOCK 806857108 29 1,568 SH   SOLE   1,568 0 0
SEMPRA ENERGY COMMON STOCK 816851109 17 145 SH   OTR 2 0 145 0
SEMPRA ENERGY COMMON STOCK 816851109 13 115 SH   SOLE   115 0 0
SERVICENOW INC COMMON STOCK 81762P102 6 15 SH   SOLE   15 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 130 225 SH   SOLE   225 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 34 36 SH   SOLE   36 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 43 630 SH   SOLE   630 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 21 450 SH   SOLE   450 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 31 600 SH   OTR 2 0 600 0
SOUTHERN COMPANY COMMON STOCK 842587107 49 946 SH   SOLE   946 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 9 250 SH   OTR 2 0 250 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 106 3,102 SH   SOLE   3,102 0 0
SPDR GOLD TRUST OTHER 78463V107 17 100 SH   SOLE   100 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 299 6,652 SH   SOLE   6,652 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 821 28,325 SH   SOLE   28,325 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 202 3,750 SH   SOLE   3,750 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 136 440 SH   OTR 2 0 440 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,711 25,008 SH   SOLE   25,008 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 11 100 SH   OTR 2 0 100 0
SPDR S&P BIOTECH ETF OTHER 78464A870 161 1,440 SH   SOLE   1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 34 1,260 SH   SOLE   1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 29 88 SH   SOLE   88 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH   OTR 2 0 70 0
SPDR S&P TELECOM ETF OTHER 78464A540 83 1,190 SH   SOLE   1,190 0 0
SQUARE INC CL A COMMON STOCK 852234103 16 150 SH   SOLE   150 0 0
STARBUCKS CORP COMMON STOCK 855244109 159 2,160 SH   OTR 2 0 2,160 0
STARBUCKS CORP COMMON STOCK 855244109 1,794 24,378 SH   SOLE   24,378 0 0
STATE STREET CORP COMMON STOCK 857477103 50 792 SH   SOLE   792 0 0
STRYKER CORPORATION COMMON STOCK 863667101 269 1,495 SH   OTR 2 0 1,495 0
STRYKER CORPORATION COMMON STOCK 863667101 2,220 12,323 SH   SOLE   12,323 0 0
SYSCO CORP COMMON STOCK 871829107 17 315 SH   OTR 2 0 315 0
SYSCO CORP COMMON STOCK 871829107 485 8,873 SH   SOLE   8,873 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 244 1,975 SH   OTR 2 0 1,975 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 287 2,325 SH   SOLE   2,325 0 0
TARGET CORP COMMON STOCK 87612E106 254 2,116 SH   SOLE   2,116 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,735 16,600 SH   OTR 2 0 16,600 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 761 7,280 SH   SOLE   7,280 0 0
TESLA INC COMMON STOCK 88160R101 171 158 SH   SOLE   158 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 27 210 SH   OTR 2 0 210 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,081 8,514 SH   SOLE   8,514 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 156 1,200 SH   SOLE   1,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 138 380 SH   OTR 2 0 380 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,036 8,380 SH   SOLE   8,380 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 6 90 SH   SOLE   90 0 0
TJX COS INC COMMON STOCK 872540109 114 2,245 SH   OTR 2 0 2,245 0
TJX COS INC COMMON STOCK 872540109 1,251 24,736 SH   SOLE   24,736 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 19 300 SH   SOLE   300 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 93 2,084 SH   OTR 2 0 2,084 0
TORONTO DOMINION BANK COMMON STOCK 891160509 86 1,932 SH   SOLE   1,932 0 0
TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 10 115 SH   SOLE   115 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 14 120 SH   OTR 2 0 120 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 368 3,223 SH   SOLE   3,223 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4 100 SH   OTR 2 0 100 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 85 2,267 SH   SOLE   2,267 0 0
TWITTER INC COMMON STOCK 90184L102 0 15 SH   SOLE   15 0 0
TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 5 936 SH   SOLE   936 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 6 660 SH   SOLE   660 0 0
UNION PAC CORP COMMON STOCK 907818108 77 455 SH   OTR 2 0 455 0
UNION PAC CORP COMMON STOCK 907818108 2,080 12,304 SH   SOLE   12,304 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 78 700 SH   OTR 2 0 700 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 229 2,057 SH   SOLE   2,057 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 106 360 SH   OTR 2 0 360 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,309 4,439 SH   SOLE   4,439 0 0
US BANCORP NEW COMMON STOCK 902973304 143 3,890 SH   OTR 2 0 3,890 0
US BANCORP NEW COMMON STOCK 902973304 934 25,357 SH   SOLE   25,357 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 131 2,316 SH   OTR 2 0 2,316 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 458 8,115 SH   SOLE   8,115 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 24 415 SH   OTR 2 0 415 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 430 7,311 SH   SOLE   7,311 0 0
VALVOLINE INC COMMON STOCK 92047W101 8 425 SH   SOLE   425 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 41 250 SH   SOLE   250 0 0
VANECK VECTORS SEMICONDUCTOR E OTHER 92189F676 66 432 SH   SOLE   432 0 0
VANGUARD GROWTH ETF OTHER 922908736 112 556 SH   SOLE   556 0 0
VANGUARD LONG-TERM BOND ETF OTHER 921937793 5 43 SH   SOLE   43 0 0
VANGUARD MID-CAP ETF OTHER 922908629 231 1,408 SH   SOLE   1,408 0 0
VANGUARD MID-CAP GROWTH ETF OTHER 922908538 392 2,375 SH   SOLE   2,375 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 534 6,795 SH   OTR 2 0 6,795 0
VANGUARD REAL ESTATE ETF OTHER 922908553 83 1,060 SH   SOLE   1,060 0 0
VANGUARD S&P 500 ETF OTHER 922908363 30 105 SH   OTR 2 0 105 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,096 13,255 SH   OTR 2 0 13,255 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 25,035 302,867 SH   SOLE   302,867 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 241 4,367 SH   OTR 2 0 4,367 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,939 35,169 SH   SOLE   35,169 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 87 300 SH   OTR 2 0 300 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 10 35 SH   SOLE   35 0 0
VIACOMCBS INC CL B COMMON STOCK 92556H206 18 776 SH   OTR 2 0 776 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 17 1,057 SH   SOLE   1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 245 1,270 SH   OTR 2 0 1,270 0
VISA INC CL A COMMON STOCK 92826C839 4,762 24,654 SH   SOLE   24,654 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 353 3,046 SH   SOLE   3,046 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 4 100 SH   SOLE   100 0 0
WALMART INC COMMON STOCK 931142103 72 600 SH   OTR 2 0 600 0
WALMART INC COMMON STOCK 931142103 819 6,839 SH   SOLE   6,839 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 4 34 SH   SOLE   34 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 38 438 SH   SOLE   438 0 0
WELLS FARGO & CO COMMON STOCK 949746101 39 1,525 SH   OTR 2 0 1,525 0
WELLS FARGO & CO COMMON STOCK 949746101 188 7,360 SH   SOLE   7,360 0 0
WESTROCK CO COMMON STOCK 96145D105 3 99 SH   SOLE   99 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 34 1,500 SH   SOLE   1,500 0 0
WILLIAMS COS INC COMMON STOCK 969457100 18 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100 245 12,883 SH   SOLE   12,883 0 0
WISDOMTREE JAPAN HEDGED EQ ETF OTHER 97717W851 2 35 SH   SOLE   35 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 0 28 SH   SOLE   28 0 0
XYLEM INC COMMON STOCK 98419M100 5 73 SH   SOLE   73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 24 500 SH   SOLE   500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 9 100 SH   OTR 2 0 100 0
YUM! BRANDS INC COMMON STOCK 988498101 456 5,242 SH   SOLE   5,242 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 45 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 163 1,365 SH   SOLE   1,365 0 0
ABBOTT LABS COMMON STOCK 002824100 1,349 14,750 SH   DFND 3 14,750 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,328 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 4,353 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 652 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,247 3,700 SH   DFND 3 3,700 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1 1 SH   DFND 3 1 0 0
AMAZON.COM INC COMMON STOCK 023135106 7,863 2,850 SH   DFND 3 2,850 0 0
AMGEN INC COMMON STOCK 031162100 2,948 12,500 SH   DFND 3 12,500 0 0
APPLE INC COMMON STOCK 037833100 7,478 20,500 SH   DFND 3 20,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,384 100,385 SH   DFND 3 100,385 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,705 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,176 4,000 SH   DFND 3 4,000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 412 7,000 SH   DFND 3 7,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 501 8,000 SH   DFND 3 8,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,115 12,500 SH   DFND 3 12,500 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,131 24,250 SH   DFND 3 24,250 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,819 6,000 SH   DFND 3 6,000 0 0
DANAHER CORP COMMON STOCK 235851102 884 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 708 6,350 SH   DFND 3 6,350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 763 9,400 SH   DFND 3 9,400 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 2,586 7,000 SH   DFND 3 7,000 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 180 2,250 SH   DFND 3 2,250 0 0
ECOLAB INC COMMON STOCK 278865100 776 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 402 9,000 SH   DFND 3 9,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 3,701 16,300 SH   DFND 3 16,300 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,262 9,000 SH   DFND 3 9,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 514 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,480 9,900 SH   DFND 3 9,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,446 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 897 15,000 SH   DFND 3 15,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,579 28,150 SH   DFND 3 28,150 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 367 3,000 SH   DFND 3 3,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,602 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,333 24,800 SH   DFND 3 24,800 0 0
MASCO CORP COMMON STOCK 574599106 2,511 50,000 SH   DFND 3 50,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 480 2,600 SH   DFND 3 2,600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,158 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,632 37,500 SH   DFND 3 37,500 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 970 14,000 SH   DFND 3 14,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,691 35,000 SH   DFND 3 35,000 0 0
NETFLIX INC COMMON STOCK 64110L106 4,209 9,250 SH   DFND 3 9,250 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 793 3,300 SH   DFND 3 3,300 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,177 12,000 SH   DFND 3 12,000 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 38 2,054 SH   DFND 3 2,054 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,050 19,000 SH   DFND 3 19,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,045 6,000 SH   DFND 3 6,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,878 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 1,782 54,500 SH   DFND 3 54,500 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,294 18,000 SH   DFND 3 18,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,128 17,800 SH   DFND 3 17,800 0 0
QUALCOMM INC COMMON STOCK 747525103 1,026 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 3,878 20,700 SH   DFND 3 20,700 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,791 3,100 SH   DFND 3 3,100 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 713 13,750 SH   DFND 3 13,750 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,883 10,450 SH   DFND 3 10,450 0 0
SYSCO CORP COMMON STOCK 871829107 957 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,900 5,245 SH   DFND 3 5,245 0 0
TJX COS INC COMMON STOCK 872540109 1,014 20,050 SH   DFND 3 20,050 0 0
TWITTER INC COMMON STOCK 90184L102 596 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 473 2,800 SH   DFND 3 2,800 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,001 9,000 SH   DFND 3 9,000 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,392 11,500 SH   DFND 3 11,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 571 9,700 SH   DFND 3 9,700 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 827 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 6,568 34,000 SH   DFND 3 34,000 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 823 7,100 SH   DFND 3 7,100 0 0
WALMART INC COMMON STOCK 931142103 2,911 24,300 SH   DFND 3 24,300 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 487 3,000 SH   DFND 3 3,000 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 750 2,900 SH   DFND 3 2,900 0 0
BOSTON PROPERTIES INC REIT COMMON STOCK 101121101 316 3,500 SH   DFND 3 3,500 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 710 3,700 SH   DFND 3 3,700 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 1,045 11,400 SH   DFND 3 11,400 0 0
3M CO COMMON STOCK 88579Y101 19 125 SH   SOLE   125 0 0
ABBOTT LABS COMMON STOCK 002824100 18 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 42 458 SH   SOLE   458 0 0
ABBVIE INC COMMON STOCK 00287Y109 20 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 12 118 SH   SOLE   118 0 0
ADOBE INC COMMON STOCK 00724F101 145 333 SH   SOLE   333 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 223 157 SH   SOLE   157 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 81 57 SH   SOLE   57 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 18 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 350 127 SH   SOLE   127 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 19 200 SH   SOLE   200 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 41 320 SH   SOLE   320 0 0
AMGEN INC COMMON STOCK 031162100 35 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 19 79 SH   SOLE   79 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 21 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 38 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 875 2,398 SH   SOLE   2,398 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 719 24,174 SH   SOLE   24,174 0 0
AT&T INC COMMON STOCK 00206R102 9 300 SH   OTR   0 300 0
AT&T INC COMMON STOCK 00206R102 51 1,690 SH   SOLE   1,690 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 35 235 SH   SOLE   235 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 84 3,535 SH   SOLE   3,535 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 96 539 SH   SOLE   539 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 113 207 SH   SOLE   207 0 0
BOEING CO COMMON STOCK 097023105 5 25 SH   SOLE   25 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 8 5 SH   SOLE   5 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 114 1,934 SH   SOLE   1,934 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 4 195 SH   SOLE   195 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 17 190 SH   OTR   0 190 0
CHEVRON CORPORATION COMMON STOCK 166764100 75 837 SH   SOLE   837 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 19 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 104 2,230 SH   SOLE   2,230 0 0
CLOROX COMPANY COMMON STOCK 189054109 16 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 85 1,893 SH   SOLE   1,893 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 15 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 21 290 SH   SOLE   290 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 75 1,380 SH   SOLE   1,380 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 18 435 SH   SOLE   435 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 83 653 SH   SOLE   653 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 30 504 SH   SOLE   504 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 69 394 SH   SOLE   394 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 82 272 SH   SOLE   272 0 0
CUMMINS INC COMMON STOCK 231021106 42 245 SH   SOLE   245 0 0
DANAHER CORP COMMON STOCK 235851102 18 101 SH   OTR   0 101 0
DANAHER CORP COMMON STOCK 235851102 10 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 22 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 168 1,510 SH   SOLE   1,510 0 0
DOLLAR TREE INC COMMON STOCK 256746108 57 610 SH   SOLE   610 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 16 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 19 230 SH   SOLE   230 0 0
DOW INC COMMON STOCK 260557103 3 66 SH   OTR   0 66 0
DOW INC COMMON STOCK 260557103 2 45 SH   SOLE   45 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 7 100 SH   SOLE   100 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 4 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2 45 SH   SOLE   45 0 0
ECOLAB INC COMMON STOCK 278865100 22 110 SH   SOLE   110 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 22 584 SH   SOLE   584 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 10 220 SH   OTR   0 220 0
EXXON MOBIL CORP COMMON STOCK 30231G102 101 2,265 SH   SOLE   2,265 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 84 369 SH   SOLE   369 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 14 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 85 568 SH   SOLE   568 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 37 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 24 388 SH   SOLE   388 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 66 857 SH   SOLE   857 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 15 75 SH   SOLE   75 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 84 844 SH   SOLE   844 0 0
HOME DEPOT INC COMMON STOCK 437076102 25 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 220 878 SH   SOLE   878 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 110 764 SH   SOLE   764 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 42 240 SH   SOLE   240 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 48 698 SH   SOLE   698 0 0
INTEL CORP COMMON STOCK 458140100 24 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100 101 1,688 SH   SOLE   1,688 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 132 1,440 SH   SOLE   1,440 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 50 416 SH   SOLE   416 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 14 55 SH   SOLE   55 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 4 12 SH   SOLE   12 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 368 2,071 SH   SOLE   2,071 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 442 6,479 SH   SOLE   6,479 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 692 5,857 SH   SOLE   5,857 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 39 1,461 SH   SOLE   1,461 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 39 1,446 SH   SOLE   1,446 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 39 1,472 SH   SOLE   1,472 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 39 1,354 SH   SOLE   1,354 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 39 1,472 SH   SOLE   1,472 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 13 330 SH   OTR   0 330 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 215 3,743 SH   SOLE   3,743 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 43 800 SH   SOLE   800 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 21 378 SH   SOLE   378 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 39 1,447 SH   SOLE   1,447 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 10 115 SH   SOLE   115 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 6 99 SH   SOLE   99 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 21 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104 274 1,948 SH   SOLE   1,948 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 183 1,949 SH   SOLE   1,949 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 70 192 SH   SOLE   192 0 0
LOWES COS INC COMMON STOCK 548661107 84 625 SH   SOLE   625 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 4 48 SH   OTR   0 48 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 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 87 293 SH   SOLE   293 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 115 2,036 SH   SOLE   2,036 0 0
MCDONALDS CORP COMMON STOCK 580135101 18 100 SH   OTR   0 100 0
MCDONALDS CORP COMMON STOCK 580135101 55 300 SH   SOLE   300 0 0
MERCK & CO INC COMMON STOCK 58933Y105 140 1,811 SH   SOLE   1,811 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 58 550 SH   SOLE   550 0 0
MICROSOFT CORP COMMON STOCK 594918104 81 400 SH   OTR   0 400 0
MICROSOFT CORP COMMON STOCK 594918104 479 2,355 SH   SOLE   2,355 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 15 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448 14 300 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 176 387 SH   SOLE   387 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 28 115 SH   SOLE   115 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 65 665 SH   SOLE   665 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 3 170 SH   SOLE   170 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 17 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105 132 2,386 SH   SOLE   2,386 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 6 97 SH   SOLE   97 0 0
PAYCHEX INC COMMON STOCK 704326107 108 1,420 SH   SOLE   1,420 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 238 1,368 SH   SOLE   1,368 0 0
PEPSICO INC COMMON STOCK 713448108 20 150 SH   OTR   0 150 0
PEPSICO INC COMMON STOCK 713448108 143 1,080 SH   SOLE   1,080 0 0
PFIZER INC COMMON STOCK 717081103 114 3,501 SH   SOLE   3,501 0 0
PHILLIPS 66 COMMON STOCK 718546104 58 801 SH   SOLE   801 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 18 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 137 1,149 SH   SOLE   1,149 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 8 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 80 880 SH   SOLE   880 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 47 762 SH   SOLE   762 0 0
SALESFORCE.COM COMMON STOCK 79466L302 61 325 SH   SOLE   325 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 14 759 SH   SOLE   759 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 2 50 SH   SOLE   50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 72 235 SH   SOLE   235 0 0
STARBUCKS CORP COMMON STOCK 855244109 98 1,330 SH   SOLE   1,330 0 0
STRYKER CORPORATION COMMON STOCK 863667101 160 888 SH   SOLE   888 0 0
SYSCO CORP COMMON STOCK 871829107 33 610 SH   SOLE   610 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 31 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 40 322 SH   SOLE   322 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 185 1,766 SH   SOLE   1,766 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 77 605 SH   SOLE   605 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 125 345 SH   SOLE   345 0 0
TJX COS INC COMMON STOCK 872540109 20 400 SH   OTR   0 400 0
TJX COS INC COMMON STOCK 872540109 82 1,613 SH   SOLE   1,613 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 31 270 SH   SOLE   270 0 0
UNION PAC CORP COMMON STOCK 907818108 85 501 SH   SOLE   501 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 4 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 81 275 SH   SOLE   275 0 0
US BANCORP NEW COMMON STOCK 902973304 67 1,821 SH   SOLE   1,821 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 64 1,127 SH   SOLE   1,127 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 26 447 SH   SOLE   447 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,851 22,391 SH   SOLE   22,391 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 104 1,889 SH   SOLE   1,889 0 0
VISA INC CL A COMMON STOCK 92826C839 14 70 SH   OTR   0 70 0
VISA INC CL A COMMON STOCK 92826C839 274 1,419 SH   SOLE   1,419 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
WALMART INC COMMON STOCK 931142103 39 323 SH   SOLE   323 0 0
WELLS FARGO & CO COMMON STOCK 949746101 15 600 SH   OTR   0 600 0
WELLS FARGO & CO COMMON STOCK 949746101 4 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 23 1,192 SH   SOLE   1,192 0 0
YUM! BRANDS INC COMMON STOCK 988498101 36 415 SH   SOLE   415 0 0