0000717538-19-000215.txt : 20191028 0000717538-19-000215.hdr.sgml : 20191028 20191028163454 ACCESSION NUMBER: 0000717538-19-000215 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20190930 FILED AS OF DATE: 20191028 DATE AS OF CHANGE: 20191028 EFFECTIVENESS DATE: 20191028 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ARROW FINANCIAL CORP CENTRAL INDEX KEY: 0000717538 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222448962 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 191173384 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5184154299 MAIL ADDRESS: STREET 1: 250 GLEN STREET CITY: GLENS FALLS STATE: NY ZIP: 12801 FORMER COMPANY: FORMER CONFORMED NAME: ARROW BANK CORP DATE OF NAME CHANGE: 19900710 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 09-30-2019 09-30-2019 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 N EDWARD J. CAMPANELLA 518-415-4512 /s/ EDWARD J. CAMPANELLA GLENS FALLS NY 10-28-2019 2 709 481742 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 a13-fhrarrowseptember2019i.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 98 1175 SH OTR 2 0 1175 0 ABBVIE INC COMMON STOCK 00287Y109 155 2050 SH OTR 2 0 2050 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 30 135 SH OTR 2 0 135 0 ALLSTATE CORP COMMON STOCK 020002101 120 1106 SH OTR 2 0 1106 0 ALPHABET INC CL A COMMON STOCK 02079K305 418 342 SH OTR 2 0 342 0 ALPHABET INC CL C COMMON STOCK 02079K107 195 160 SH OTR 2 0 160 0 ALTRIA GROUP INC COMMON STOCK 02209S103 8 200 SH OTR 2 0 200 0 AMAZON.COM INC COMMON STOCK 023135106 349 201 SH OTR 2 0 201 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 163 1380 SH OTR 2 0 1380 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 6 50 SH OTR 2 0 50 0 AMGEN INC COMMON STOCK 031162100 58 300 SH OTR 2 0 300 0 APPLE INC COMMON STOCK 037833100 921 4113 SH OTR 2 0 4113 0 AT&T INC COMMON STOCK 00206R102 159 4206 SH OTR 2 0 4206 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 670 4150 SH OTR 2 0 4150 0 BANK OF AMERICA CORP COMMON STOCK 060505104 19 650 SH OTR 2 0 650 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 67 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 166 1900 SH OTR 2 0 1900 0 BB&T CORPORATION COMMON STOCK 054937107 5 100 SH OTR 2 0 100 0 BECTON DICKINSON COMMON STOCK 075887109 72 285 SH OTR 2 0 285 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 338 1625 SH OTR 2 0 1625 0 BLACKROCK INC CL A COMMON STOCK 09247X101 89 200 SH OTR 2 0 200 0 BOEING CO COMMON STOCK 097023105 76 200 SH OTR 2 0 200 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 53 27 SH OTR 2 0 27 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 87 1725 SH OTR 2 0 1725 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 9 200 SH OTR 2 0 200 0 CATERPILLAR INC COMMON STOCK 149123101 129 1025 SH OTR 2 0 1025 0 CELGENE CORP COMMON STOCK 151020104 50 500 SH OTR 2 0 500 0 CHEVRON CORPORATION COMMON STOCK 166764100 474 3999 SH OTR 2 0 3999 0 CIGNA CORP COMMON STOCK 125523100 7 44 SH OTR 2 0 44 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 56 1135 SH OTR 2 0 1135 0 CLOROX COMPANY COMMON STOCK 189054109 30 200 SH OTR 2 0 200 0 COCA COLA CO COMMON STOCK 191216100 98 1805 SH OTR 2 0 1805 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 480 6530 SH OTR 2 0 6530 0 COMCAST CORP-CL A COMMON STOCK 20030N101 18 400 SH OTR 2 0 400 0 CONOCOPHILLIPS COMMON STOCK 20825C104 50 871 SH OTR 2 0 871 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 59 287 SH OTR 2 0 287 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 19 65 SH OTR 2 0 65 0 CUMMINS INC COMMON STOCK 231021106 6 35 SH OTR 2 0 35 0 CVS HEALTH CORP COMMON STOCK 126650100 25 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 22 151 SH OTR 2 0 151 0 DISCOVER FINL SVCS COMMON STOCK 254709108 38 466 SH OTR 2 0 466 0 DISNEY WALT CO NEW COMMON STOCK 254687106 220 1687 SH OTR 2 0 1687 0 DOMINION ENERGY INC COMMON STOCK 25746U109 47 575 SH OTR 2 0 575 0 DOW INC COMMON STOCK 260557103 23 487 SH OTR 2 0 487 0 DTE ENERGY CO COMMON STOCK 233331107 55 415 SH OTR 2 0 415 0 DUKE ENERGY CORP COMMON STOCK 26441C204 61 634 SH OTR 2 0 634 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 32 454 SH OTR 2 0 454 0 ECOLAB INC COMMON STOCK 278865100 282 1425 SH OTR 2 0 1425 0 EMERSON ELEC CO COMMON STOCK 291011104 219 3270 SH OTR 2 0 3270 0 EOG RES INC COMMON STOCK 26875P101 3 35 SH OTR 2 0 35 0 EXXONMOBIL CORP COMMON STOCK 30231G102 685 9695 SH OTR 2 0 9695 0 FACEBOOK INC-A COMMON STOCK 30303M102 87 490 SH OTR 2 0 490 0 GARRETT MOTION INC COMMON STOCK 366505105 0 3 SH OTR 2 0 3 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 19 105 SH OTR 2 0 105 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 23 2550 SH OTR 2 0 2550 0 GILEAD SCIENCES INC COMMON STOCK 375558103 45 710 SH OTR 2 0 710 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 68 330 SH OTR 2 0 330 0 HOME DEPOT INC COMMON STOCK 437076102 488 2105 SH OTR 2 0 2105 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 128 755 SH OTR 2 0 755 0 INTEL CORP COMMON STOCK 458140100 422 8190 SH OTR 2 0 8190 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 28 300 SH OTR 2 0 300 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 858 5898 SH OTR 2 0 5898 0 INTUIT INC COMMON STOCK 461202103 215 810 SH OTR 2 0 810 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 62 675 SH OTR 2 0 675 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1154 8917 SH OTR 2 0 8917 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 893 7585 SH OTR 2 0 7585 0 KELLOGG CO COMMON STOCK 487836108 87 1355 SH OTR 2 0 1355 0 KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH OTR 2 0 33 0 LILLY ELI & CO COMMON STOCK 532457108 263 2350 SH OTR 2 0 2350 0 LOWES COS INC COMMON STOCK 548661107 135 1225 SH OTR 2 0 1225 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 129 1035 SH OTR 2 0 1035 0 MASCO CORP COMMON STOCK 574599106 10 250 SH OTR 2 0 250 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 42 155 SH OTR 2 0 155 0 MCDONALDS CORP COMMON STOCK 580135101 188 875 SH OTR 2 0 875 0 MERCK & CO INC COMMON STOCK 58933Y105 316 3750 SH OTR 2 0 3750 0 METLIFE INC COMMON STOCK 59156R108 58 1235 SH OTR 2 0 1235 0 MICROSOFT CORP COMMON STOCK 594918104 1750 12585 SH OTR 2 0 12585 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 136 3182 SH OTR 2 0 3182 0 NETFLIX INC COMMON STOCK 64110L106 71 265 SH OTR 2 0 265 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 192 825 SH OTR 2 0 825 0 NIKE INC-CLASS B COMMON STOCK 654106103 386 4110 SH OTR 2 0 4110 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 135 750 SH OTR 2 0 750 0 NVIDIA CORP COMMON STOCK 67066G104 61 353 SH OTR 2 0 353 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 4 100 SH OTR 2 0 100 0 ORACLE CORPORATION COMMON STOCK 68389X105 373 6775 SH OTR 2 0 6775 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 66 625 SH OTR 2 0 625 0 PAYCHEX INC COMMON STOCK 704326107 91 1100 SH OTR 2 0 1100 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 47 450 SH OTR 2 0 450 0 PEPSICO INC COMMON STOCK 713448108 817 5960 SH OTR 2 0 5960 0 PFIZER INC COMMON STOCK 717081103 387 10760 SH OTR 2 0 10760 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 8 100 SH OTR 2 0 100 0 PHILLIPS 66 COMMON STOCK 718546104 3 32 SH OTR 2 0 32 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 705 5670 SH OTR 2 0 5670 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 76 850 SH OTR 2 0 850 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 70 650 SH OTR 2 0 650 0 RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 5 SH OTR 2 0 5 0 SEMPRA ENERGY COMMON STOCK 816851109 36 245 SH OTR 2 0 245 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 47 300 SH OTR 2 0 300 0 SOUTHERN COMPANY COMMON STOCK 842587107 37 600 SH OTR 2 0 600 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 16 295 SH OTR 2 0 295 0 STARBUCKS CORP COMMON STOCK 855244109 176 1985 SH OTR 2 0 1985 0 STATE STREET CORP COMMON STOCK 857477103 42 705 SH OTR 2 0 705 0 STRYKER CORPORATION COMMON STOCK 863667101 294 1360 SH OTR 2 0 1360 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 315 2759 SH OTR 2 0 2759 0 TESLA INC COMMON STOCK 88160R101 4 15 SH OTR 2 0 15 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 105 359 SH OTR 2 0 359 0 TJX COS INC COMMON STOCK 872540109 95 1700 SH OTR 2 0 1700 0 UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 2 82 SH OTR 2 0 82 0 UNION PAC CORP COMMON STOCK 907818108 62 380 SH OTR 2 0 380 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 102 850 SH OTR 2 0 850 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1007 7375 SH OTR 2 0 7375 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 55 255 SH OTR 2 0 255 0 US BANCORP NEW COMMON STOCK 902973304 284 5125 SH OTR 2 0 5125 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 4 50 SH OTR 2 0 50 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 338 5604 SH OTR 2 0 5604 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 51 300 SH OTR 2 0 300 0 VIACOM INC-B COMMON STOCK 92553P201 31 1302 SH OTR 2 0 1302 0 VISA INC CL A COMMON STOCK 92826C839 248 1440 SH OTR 2 0 1440 0 WALMART INC COMMON STOCK 931142103 59 500 SH OTR 2 0 500 0 WELLS FARGO & CO COMMON STOCK 949746101 77 1525 SH OTR 2 0 1525 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 51 375 SH OTR 2 0 375 0 3M CO COMMON STOCK 88579Y101 370 2250 SH OTR 2 0 2250 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 663 19869 SH OTR 2 0 19869 0 EATON CORP PLC COMMON STOCK G29183103 104 1250 SH OTR 2 0 1250 0 LINDE PLC COMMON STOCK G5494J103 53 275 SH OTR 2 0 275 0 MEDTRONIC PLC COMMON STOCK G5960L103 107 982 SH OTR 2 0 982 0 SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 121 2084 SH OTR 2 0 2084 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 580 11708 SH OTR 2 0 11708 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 721 5970 SH OTR 2 0 5970 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 456 7418 SH OTR 2 0 7418 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 270 4555 SH OTR 2 0 4555 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 777 27745 SH OTR 2 0 27745 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 915 10153 SH OTR 2 0 10153 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 558 7190 SH OTR 2 0 7190 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 54 277 SH OTR 2 0 277 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 216 2780 SH OTR 2 0 2780 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 66 999 SH OTR 2 0 999 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 54 1312 SH OTR 2 0 1312 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 28 500 SH OTR 2 0 500 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 136 2329 SH OTR 2 0 2329 0 SPDR S&P BIOTECH ETF OTHER 78464A870 8 100 SH OTR 2 0 100 0 SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH OTR 2 0 70 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 145 490 SH OTR 2 0 490 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1326 16468 SH OTR 2 0 16468 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 108 1664 SH OTR 2 0 1664 0 VANGUARD REAL ESTATE ETF OTHER 922908553 274 2933 SH OTR 2 0 2933 0 VANGUARD S&P 500 ETF OTHER 922908363 47 173 SH OTR 2 0 173 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH OTR 2 0 500 0 ISHARES CORE US AGGREGATE BOND OTHER 464287226 292 2582 SH OTR 2 0 2582 0 ISHARES SHORT-TERM CORP BOND E OTHER 464288646 123 2300 SH OTR 2 0 2300 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 669 8253 SH OTR 2 0 8253 0 ABBOTT LABS COMMON STOCK 002824100 832 9940 SH SOLE 9940 0 0 ABBVIE INC COMMON STOCK 00287Y109 541 7146 SH SOLE 7146 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1 20 SH SOLE 20 0 0 ADOBE INC COMMON STOCK 00724F101 1405 5086 SH SOLE 5086 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 75 340 SH SOLE 340 0 0 ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 29 300 SH SOLE 300 0 0 ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 5 500 SH SOLE 500 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 5639 4618 SH SOLE 4618 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 1730 1419 SH SOLE 1419 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 362 8842 SH SOLE 8842 0 0 AMAZON.COM INC COMMON STOCK 023135106 5591 3221 SH SOLE 3221 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 52 555 SH SOLE 555 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 345 2915 SH SOLE 2915 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 145 2605 SH SOLE 2605 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 401 3229 SH SOLE 3229 0 0 AMGEN INC COMMON STOCK 031162100 2049 10590 SH SOLE 10590 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 23 210 SH SOLE 210 0 0 ANTARES PHARMA INC COMMON STOCK 036642106 47 14000 SH SOLE 14000 0 0 APPLE INC COMMON STOCK 037833100 7243 32339 SH SOLE 32339 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 136 2725 SH SOLE 2725 0 0 AQUA AMERICA INC COMMON STOCK 03836W103 49 1082 SH SOLE 1082 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH SOLE 200 0 0 ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 35 460 SH SOLE 460 0 0 AT&T INC COMMON STOCK 00206R102 790 20887 SH SOLE 20887 0 0 AUTODESK INC COMMON STOCK 052769106 15 100 SH SOLE 100 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 307 1900 SH SOLE 1900 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 1533 52542 SH SOLE 52542 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 196 4330 SH SOLE 4330 0 0 BAXTER INTL INC COMMON STOCK 071813109 161 1840 SH SOLE 1840 0 0 BB&T CORPORATION COMMON STOCK 054937107 181 3390 SH SOLE 3390 0 0 BECTON DICKINSON COMMON STOCK 075887109 76 300 SH SOLE 300 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3272 15730 SH SOLE 15730 0 0 BLACK KNIGHT INC COMMON STOCK 09215C105 56 918 SH SOLE 918 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 2128 4775 SH SOLE 4775 0 0 BLACKSTONE GROUP INC CL A COMMON STOCK 09260D107 49 1008 SH SOLE 1008 0 0 BOEING CO COMMON STOCK 097023105 998 2624 SH SOLE 2624 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 1121 571 SH SOLE 571 0 0 BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 41 1000 SH SOLE 1000 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1500 29572 SH SOLE 29572 0 0 CANNAE HOLDINGS INC COMMON STOCK 13765N107 27 998 SH SOLE 998 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 67 738 SH SOLE 738 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 83 1750 SH SOLE 1750 0 0 CATERPILLAR INC COMMON STOCK 149123101 268 2120 SH SOLE 2120 0 0 CELGENE CORP COMMON STOCK 151020104 612 6162 SH SOLE 6162 0 0 CERNER CORP COMMON STOCK 156782104 272 3992 SH SOLE 3992 0 0 CHARLES SCHWAB CORP COMMON STOCK 808513105 45 1070 SH SOLE 1070 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 2048 17271 SH SOLE 17271 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 2187 44271 SH SOLE 44271 0 0 CITIGROUP INC COMMON STOCK 172967424 35 500 SH SOLE 500 0 0 CLOROX COMPANY COMMON STOCK 189054109 105 692 SH SOLE 692 0 0 CME GROUP INC COMMON STOCK 12572Q105 122 575 SH SOLE 575 0 0 CMS ENERGY CORP COMMON STOCK 125896100 8 121 SH SOLE 121 0 0 COCA COLA CO COMMON STOCK 191216100 1740 31955 SH SOLE 31955 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 390 5312 SH SOLE 5312 0 0 COMCAST CORP-CL A COMMON STOCK 20030N101 230 5105 SH SOLE 5105 0 0 CONDUENT INC COMMON STOCK 206787103 0 22 SH SOLE 22 0 0 CONNECTICUT WATER SVC INC COMMON STOCK 207797101 14 200 SH SOLE 200 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 393 6903 SH SOLE 6903 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 70 739 SH SOLE 739 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1548 7468 SH SOLE 7468 0 0 CORNING INC COMMON STOCK 219350105 37 1300 SH SOLE 1300 0 0 CORTEVA INC COMMON STOCK 22052L104 65 2316 SH SOLE 2316 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1165 4044 SH SOLE 4044 0 0 CSX CORP COMMON STOCK 126408103 12 180 SH SOLE 180 0 0 CUMMINS INC COMMON STOCK 231021106 811 4987 SH SOLE 4987 0 0 CVS HEALTH CORP COMMON STOCK 126650100 307 4872 SH SOLE 4872 0 0 DANAHER CORP COMMON STOCK 235851102 176 1221 SH SOLE 1221 0 0 DEERE & CO COMMON STOCK 244199105 99 585 SH SOLE 585 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 3455 26511 SH SOLE 26511 0 0 DOLLAR GENERAL CORP COMMON STOCK 256677105 19 122 SH SOLE 122 0 0 DOLLAR TREE INC COMMON STOCK 256746108 1469 12865 SH SOLE 12865 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 364 4486 SH SOLE 4486 0 0 DOW INC COMMON STOCK 260557103 173 3633 SH SOLE 3633 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 148 1549 SH SOLE 1549 0 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 66 830 SH SOLE 830 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 256 3585 SH SOLE 3585 0 0 EBAY INC COMMON STOCK 278642103 16 400 SH SOLE 400 0 0 ECOLAB INC COMMON STOCK 278865100 865 4369 SH SOLE 4369 0 0 EDISON INTERNATIONAL COMMON STOCK 281020107 26 350 SH SOLE 350 0 0 ELECTRONIC ARTS INC COMMON STOCK 285512109 5 55 SH SOLE 55 0 0 EMERSON ELEC CO COMMON STOCK 291011104 324 4853 SH SOLE 4853 0 0 EOG RES INC COMMON STOCK 26875P101 289 3888 SH SOLE 3888 0 0 EVERSOURCE ENERGY COMMON STOCK 30040W108 109 1275 SH SOLE 1275 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 2625 37179 SH SOLE 37179 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 1068 5995 SH SOLE 5995 0 0 FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 15 60 SH SOLE 60 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 363 2496 SH SOLE 2496 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 39 801 SH SOLE 801 0 0 FISERV INC COMMON STOCK 337738108 503 4855 SH SOLE 4855 0 0 FNF GROUP COMMON STOCK 31620R303 133 3000 SH SOLE 3000 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 85 9300 SH SOLE 9300 0 0 FORTIVE CORP COMMON STOCK 34959J108 363 5295 SH SOLE 5295 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 1313 7183 SH SOLE 7183 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 212 23750 SH SOLE 23750 0 0 GENERAL MLS INC COMMON STOCK 370334104 503 9119 SH SOLE 9119 0 0 GENUINE PARTS CO COMMON STOCK 372460105 21 210 SH SOLE 210 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 547 8629 SH SOLE 8629 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 515 2484 SH SOLE 2484 0 0 GRAINGER W W INC COMMON STOCK 384802104 51 170 SH SOLE 170 0 0 GRUBHUB INC COMMON STOCK 400110102 1 18 SH SOLE 18 0 0 HALLIBURTON CO COMMON STOCK 406216101 16 830 SH SOLE 830 0 0 HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 94 2070 SH SOLE 2070 0 0 HOME DEPOT INC COMMON STOCK 437076102 4074 17560 SH SOLE 17560 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2403 14205 SH SOLE 14205 0 0 HORMEL FOODS CORP COMMON STOCK 440452100 3 80 SH SOLE 80 0 0 HUMANA INC COMMON STOCK 444859102 15 60 SH SOLE 60 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 77 490 SH SOLE 490 0 0 INTEL CORP COMMON STOCK 458140100 2014 39087 SH SOLE 39087 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2450 26554 SH SOLE 26554 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 584 4764 SH SOLE 4764 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 81 1926 SH SOLE 1926 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 503 3460 SH SOLE 3460 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 108 200 SH SOLE 200 0 0 J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 2 172 SH SOLE 172 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 18 120 SH SOLE 120 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 167 1825 SH SOLE 1825 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3845 29716 SH SOLE 29716 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 4378 37196 SH SOLE 37196 0 0 KADANT INC COMMON STOCK 48282T104 71 809 SH SOLE 809 0 0 KELLOGG CO COMMON STOCK 487836108 9 140 SH SOLE 140 0 0 KEYCORP COMMON STOCK 493267108 14 812 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 56 2100 SH SOLE 2100 0 0 KOHLS CORP COMMON STOCK 500255104 4 75 SH SOLE 75 0 0 LILLY ELI & CO COMMON STOCK 532457108 335 2995 SH SOLE 2995 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 1120 2872 SH SOLE 2872 0 0 LOWES COS INC COMMON STOCK 548661107 1097 9978 SH SOLE 9978 0 0 MARATHON OIL CORP COMMON STOCK 565849106 3 264 SH SOLE 264 0 0 MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 10 160 SH SOLE 160 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 656 5271 SH SOLE 5271 0 0 MASCO CORP COMMON STOCK 574599106 942 22598 SH SOLE 22598 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 1318 4854 SH SOLE 4854 0 0 MCCORMICK & CO INC COMMON STOCK 579780206 113 720 SH SOLE 720 0 0 MCDONALDS CORP COMMON STOCK 580135101 1101 5126 SH SOLE 5126 0 0 MDU RESOURCES GROUP INC COMMON STOCK 552690109 11 400 SH SOLE 400 0 0 MERCK & CO INC COMMON STOCK 58933Y105 2407 28598 SH SOLE 28598 0 0 METLIFE INC COMMON STOCK 59156R108 50 1064 SH SOLE 1064 0 0 MICROSOFT CORP COMMON STOCK 594918104 7965 57292 SH SOLE 57292 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 321 SH SOLE 321 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 44 756 SH SOLE 756 0 0 MORGAN STANLEY COMMON STOCK 617446448 910 21338 SH SOLE 21338 0 0 NBT BANCORP INC COM COMMON STOCK 628778102 21 565 SH SOLE 565 0 0 NETFLIX INC COMMON STOCK 64110L106 3062 11441 SH SOLE 11441 0 0 NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 9 398 SH SOLE 398 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 1323 5678 SH SOLE 5678 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 491 5228 SH SOLE 5228 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 59 330 SH SOLE 330 0 0 NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 24 65 SH SOLE 65 0 0 NUCOR CORP COMMON STOCK 670346105 2 35 SH SOLE 35 0 0 NVIDIA CORP COMMON STOCK 67066G104 337 1934 SH SOLE 1934 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 197 4424 SH SOLE 4424 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 2308 41936 SH SOLE 41936 0 0 PARKER HANNIFIN CORP COMMON STOCK 701094104 23 125 SH SOLE 125 0 0 PATTERN ENERGY GROUP INC COMMON STOCK 70338P100 27 1000 SH SOLE 1000 0 0 PAYCHEX INC COMMON STOCK 704326107 1347 16279 SH SOLE 16279 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 3338 32225 SH SOLE 32225 0 0 PEPSICO INC COMMON STOCK 713448108 2935 21407 SH SOLE 21407 0 0 PFIZER INC COMMON STOCK 717081103 2289 63698 SH SOLE 63698 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 666 8773 SH SOLE 8773 0 0 PHILLIPS 66 COMMON STOCK 718546104 1426 13921 SH SOLE 13921 0 0 PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 43 309 SH SOLE 309 0 0 PPG INDUSTRIES INC COMMON STOCK 693506107 56 476 SH SOLE 476 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 3389 27249 SH SOLE 27249 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 291 3232 SH SOLE 3232 0 0 QUALCOMM INC COMMON STOCK 747525103 657 8612 SH SOLE 8612 0 0 RAYTHEON COMPANY COMMON STOCK 755111507 656 3342 SH SOLE 3342 0 0 ROKU INC COMMON STOCK 77543R102 10 100 SH SOLE 100 0 0 ROPER TECHNOLOGIES INC COMMON STOCK 776696106 43 120 SH SOLE 120 0 0 ROSS STORES INC COMMON STOCK 778296103 46 420 SH SOLE 420 0 0 SALESFORCE.COM COMMON STOCK 79466L302 1367 9211 SH SOLE 9211 0 0 SEMPRA ENERGY COMMON STOCK 816851109 150 1015 SH SOLE 1015 0 0 SERVICENOW INC COMMON STOCK 81762P102 5 20 SH SOLE 20 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 155 282 SH SOLE 282 0 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 112 720 SH SOLE 720 0 0 SMITH A O CORPORATION COMMON STOCK 831865209 21 450 SH SOLE 450 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 59 951 SH SOLE 951 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 422 7813 SH SOLE 7813 0 0 SQUARE INC CL A COMMON STOCK 852234103 19 300 SH SOLE 300 0 0 STARBUCKS CORP COMMON STOCK 855244109 2156 24388 SH SOLE 24388 0 0 STATE STREET CORP COMMON STOCK 857477103 54 906 SH SOLE 906 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2479 11460 SH SOLE 11460 0 0 SYSCO CORP COMMON STOCK 871829107 428 5396 SH SOLE 5396 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 480 4200 SH SOLE 4200 0 0 TARGET CORP COMMON STOCK 87612E106 240 2247 SH SOLE 2247 0 0 TESLA INC COMMON STOCK 88160R101 38 158 SH SOLE 158 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 775 6000 SH SOLE 6000 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 186 1200 SH SOLE 1200 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2382 8178 SH SOLE 8178 0 0 TJX COS INC COMMON STOCK 872540109 1571 28178 SH SOLE 28178 0 0 TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 24 300 SH SOLE 300 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 312 2097 SH SOLE 2097 0 0 TWITTER INC COMMON STOCK 90184L102 1 35 SH SOLE 35 0 0 UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 20 1010 SH SOLE 1010 0 0 UNION PAC CORP COMMON STOCK 907818108 2278 14064 SH SOLE 14064 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 273 2282 SH SOLE 2282 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1983 14524 SH SOLE 14524 0 0 UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 8 100 SH SOLE 100 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 810 3727 SH SOLE 3727 0 0 US BANCORP NEW COMMON STOCK 902973304 1505 27194 SH SOLE 27194 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 575 6747 SH SOLE 6747 0 0 VALVOLINE INC COMMON STOCK 92047W101 14 625 SH SOLE 625 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2165 35861 SH SOLE 35861 0 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 3 20 SH SOLE 20 0 0 VISA INC CL A COMMON STOCK 92826C839 4818 28008 SH SOLE 28008 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 551 3646 SH SOLE 3646 0 0 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 6 100 SH SOLE 100 0 0 WALMART INC COMMON STOCK 931142103 735 6197 SH SOLE 6197 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 4 34 SH SOLE 34 0 0 WEC ENERGY GROUP INC COMMON STOCK 92939U106 38 400 SH SOLE 400 0 0 WELLS FARGO & CO COMMON STOCK 949746101 437 8671 SH SOLE 8671 0 0 WESTROCK CO COMMON STOCK 96145D105 4 99 SH SOLE 99 0 0 WILLIAMS COS INC COMMON STOCK 969457100 228 9456 SH SOLE 9456 0 0 WORLD WRESTLING ENTERTAINMENT COMMON STOCK 98156Q108 14 200 SH SOLE 200 0 0 WYNN RESORTS LTD COMMON STOCK 983134107 14 125 SH SOLE 125 0 0 XEROX HOLDINGS CORP COMMON STOCK 98421M106 1 28 SH SOLE 28 0 0 XYLEM INC COMMON STOCK 98419M100 6 73 SH SOLE 73 0 0 YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 23 500 SH SOLE 500 0 0 YUM! BRANDS INC COMMON STOCK 988498101 383 3380 SH SOLE 3380 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 243 1772 SH SOLE 1772 0 0 3M CO COMMON STOCK 88579Y101 779 4736 SH SOLE 4736 0 0 BAOZUN INC SPONS ADR COMMON STOCK 06684L103 5 126 SH SOLE 126 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 81 2122 SH SOLE 2122 0 0 GW PHARMACEUTICALS PLC SPONS A COMMON STOCK 36197T103 2 20 SH SOLE 20 0 0 NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 28 SH SOLE 28 0 0 RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 29 550 SH SOLE 550 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 27 122 SH SOLE 122 0 0 AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 6 30 SH SOLE 30 0 0 HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 4 260 SH SOLE 260 0 0 INNOVATIVE INDUSTRIAL PROP CL COMMON STOCK 45781V101 5 50 SH SOLE 50 0 0 LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 15 1500 SH SOLE 1500 0 0 TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 12 936 SH SOLE 936 0 0 WEYERHAEUSER CO REIT COMMON STOCK 962166104 72 2591 SH SOLE 2591 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 46374 1388866 SH SOLE 1388866 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 50 260 SH SOLE 260 0 0 ALLERGAN PLC COMMON STOCK G0177J108 188 1115 SH SOLE 1115 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 5 300 SH SOLE 300 0 0 CANOPY GROWTH CORP COMMON STOCK 138035100 2 83 SH SOLE 83 0 0 CARNIVAL CORP COMMON STOCK 143658300 52 1200 SH SOLE 1200 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 498 4545 SH SOLE 4545 0 0 CRONOS GROUP INC COMMON STOCK 22717L101 2 242 SH SOLE 242 0 0 EATON CORP PLC COMMON STOCK G29183103 13 154 SH SOLE 154 0 0 ENBRIDGE INCORPORATED COMMON STOCK 29250N105 46 1300 SH SOLE 1300 0 0 INGERSOLL-RAND PLC COMMON STOCK G47791101 35 286 SH SOLE 286 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 9 100 SH SOLE 100 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH SOLE 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 476 4380 SH SOLE 4380 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 8 100 SH SOLE 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 103 3024 SH SOLE 3024 0 0 SHOPIFY INC CL A COMMON STOCK 82509L107 11 36 SH SOLE 36 0 0 SPOTIFY TECHNOLOGY SA COMMON STOCK L8681T102 11 100 SH SOLE 100 0 0 THOMSON REUTERS CORP COMMON STOCK 884903709 6 90 SH SOLE 90 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 113 1932 SH SOLE 1932 0 0 ALPS SECTOR DIVIDEND DOGS ETF OTHER 00162Q858 83 1885 SH SOLE 1885 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 33 671 SH SOLE 671 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 260 2151 SH SOLE 2151 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 104 1686 SH SOLE 1686 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 48 815 SH SOLE 815 0 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 403 14378 SH SOLE 14378 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 29 1350 SH SOLE 1350 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 352 3910 SH SOLE 3910 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 217 2800 SH SOLE 2800 0 0 INVESCO WATER RESOURCES ETF OTHER 46137V142 6 171 SH SOLE 171 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 10831 56054 SH SOLE 56054 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 8073 103716 SH SOLE 103716 0 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 118 1777 SH SOLE 1777 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 18 281 SH SOLE 281 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 4 93 SH SOLE 93 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 848 15159 SH SOLE 15159 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 301 1986 SH SOLE 1986 0 0 ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 149 775 SH SOLE 775 0 0 ISHARES S&P 500 VALUE ETF OTHER 464287408 315 2644 SH SOLE 2644 0 0 ISHARES U.S. AEROSPACE & DEF OTHER 464288760 27 120 SH SOLE 120 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 34 735 SH SOLE 735 0 0 ISHARES US UTILITIES ETF OTHER 464287697 26 160 SH SOLE 160 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 860 14783 SH SOLE 14783 0 0 REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH SOLE 59 0 0 SPDR GOLD TRUST OTHER 78463V107 14 100 SH SOLE 100 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 319 8192 SH SOLE 8192 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 1290 40355 SH SOLE 40355 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 142 1860 SH SOLE 1860 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 44 1260 SH SOLE 1260 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 31 88 SH SOLE 88 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 110 1645 SH SOLE 1645 0 0 SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 201 3750 SH SOLE 3750 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 9031 30432 SH SOLE 30432 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 624 7746 SH SOLE 7746 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 442 6832 SH SOLE 6832 0 0 VANECK VECTORS BIOTECH ETF OTHER 92189F726 29 250 SH SOLE 250 0 0 VANGUARD GROWTH ETF OTHER 922908736 92 556 SH SOLE 556 0 0 VANGUARD MID-CAP ETF OTHER 922908629 236 1408 SH SOLE 1408 0 0 VANGUARD MID-CAP GROWTH ETF OTHER 922908538 352 2375 SH SOLE 2375 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 19125 205092 SH SOLE 205092 0 0 ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 12 100 SH SOLE 100 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 211 2484 SH SOLE 2484 0 0 ISHARES CORE US AGGREGATE BOND OTHER 464287226 13390 118317 SH SOLE 118317 0 0 ISHARES SHORT-TERM CORP BOND E OTHER 464288646 1960 36516 SH SOLE 36516 0 0 SPDR BLACKSTONE/GSO SEN LOAN OTHER 78467V608 0 1 SH SOLE 1 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 22393 276288 SH SOLE 276288 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 789 6919 SH SOLE 6919 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4270 74628 SH SOLE 74628 0 0 3M CO COMMON STOCK 88579Y101 25 150 SH SOLE 150 0 0 ABBOTT LABS COMMON STOCK 002824100 17 200 SH OTR 0 200 0 ABBOTT LABS COMMON STOCK 002824100 12 143 SH SOLE 143 0 0 ABBVIE INC COMMON STOCK 00287Y109 15 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 6 75 SH SOLE 75 0 0 ADOBE INC COMMON STOCK 00724F101 45 163 SH SOLE 163 0 0 ALLERGAN PLC COMMON STOCK G0177J108 17 100 SH SOLE 100 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 190 156 SH SOLE 156 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 67 55 SH SOLE 55 0 0 ALTABA INC COMMON STOCK 021346101 2 100 SH SOLE 100 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 18 450 SH SOLE 450 0 0 AMAZON.COM INC COMMON STOCK 023135106 229 132 SH SOLE 132 0 0 AMERICAN AIRLINES GROUP INC COMMON STOCK 02376R102 40 1488 SH SOLE 1488 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 35 300 SH OTR 0 300 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 35 300 SH SOLE 300 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 11 195 SH SOLE 195 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 22 175 SH SOLE 175 0 0 AMGEN INC COMMON STOCK 031162100 29 150 SH OTR 0 150 0 AMGEN INC COMMON STOCK 031162100 35 183 SH SOLE 183 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 20 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 24 105 SH OTR 0 105 0 APPLE INC COMMON STOCK 037833100 536 2393 SH SOLE 2393 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 873 26138 SH SOLE 26138 0 0 AT&T INC COMMON STOCK 00206R102 11 300 SH OTR 0 300 0 AT&T INC COMMON STOCK 00206R102 25 664 SH SOLE 664 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 48 300 SH SOLE 300 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 44 1505 SH SOLE 1505 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 7 150 SH SOLE 150 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 138 661 SH SOLE 661 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 79 177 SH SOLE 177 0 0 BOEING CO COMMON STOCK 097023105 11 30 SH SOLE 30 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 31 16 SH SOLE 16 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 13 250 SH OTR 0 250 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 85 1679 SH SOLE 1679 0 0 CELGENE CORP COMMON STOCK 151020104 33 335 SH SOLE 335 0 0 CERNER CORP COMMON STOCK 156782104 22 324 SH SOLE 324 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 29 261 SH SOLE 261 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 23 190 SH OTR 0 190 0 CHEVRON CORPORATION COMMON STOCK 166764100 122 1028 SH SOLE 1028 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 20 400 SH OTR 0 400 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 51 1040 SH SOLE 1040 0 0 COCA COLA CO COMMON STOCK 191216100 90 1650 SH SOLE 1650 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 15 200 SH OTR 0 200 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 39 530 SH SOLE 530 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 68 1380 SH SOLE 1380 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 18 310 SH SOLE 310 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 79 653 SH SOLE 653 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 31 504 SH SOLE 504 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 72 349 SH SOLE 349 0 0 CORTEVA INC COMMON STOCK 22052L104 2 66 SH OTR 0 66 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 63 217 SH SOLE 217 0 0 CUMMINS INC COMMON STOCK 231021106 26 160 SH SOLE 160 0 0 CVS HEALTH CORP COMMON STOCK 126650100 11 175 SH SOLE 175 0 0 DANAHER CORP COMMON STOCK 235851102 15 101 SH OTR 0 101 0 DANAHER CORP COMMON STOCK 235851102 13 89 SH SOLE 89 0 0 DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 33 255 SH SOLE 255 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 26 200 SH OTR 0 200 0 DISNEY WALT CO NEW COMMON STOCK 254687106 187 1435 SH SOLE 1435 0 0 DOLLAR TREE INC COMMON STOCK 256746108 37 325 SH SOLE 325 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 3 69 SH SOLE 69 0 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 8 100 SH SOLE 100 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 66 SH OTR 0 66 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 69 SH SOLE 69 0 0 ECOLAB INC COMMON STOCK 278865100 36 184 SH SOLE 184 0 0 EMERSON ELEC CO COMMON STOCK 291011104 13 200 SH SOLE 200 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 13 219 SH SOLE 219 0 0 EOG RES INC COMMON STOCK 26875P101 6 87 SH SOLE 87 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 16 220 SH OTR 0 220 0 EXXONMOBIL CORP COMMON STOCK 30231G102 181 2569 SH SOLE 2569 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 97 547 SH SOLE 547 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 15 100 SH SOLE 100 0 0 FORTIVE CORP COMMON STOCK 34959J108 23 332 SH SOLE 332 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 43 238 SH SOLE 238 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 48 5400 SH SOLE 5400 0 0 GENERAL MLS INC COMMON STOCK 370334104 6 100 SH OTR 0 100 0 GENERAL MLS INC COMMON STOCK 370334104 37 677 SH SOLE 677 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 33 517 SH SOLE 517 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 16 75 SH SOLE 75 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 76 844 SH SOLE 844 0 0 HOME DEPOT INC COMMON STOCK 437076102 23 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 222 958 SH SOLE 958 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 105 619 SH SOLE 619 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 38 240 SH SOLE 240 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 54 698 SH SOLE 698 0 0 INTEL CORP COMMON STOCK 458140100 21 400 SH OTR 0 400 0 INTEL CORP COMMON STOCK 458140100 131 2550 SH SOLE 2550 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 95 1025 SH SOLE 1025 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 16 127 SH SOLE 127 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 12 290 SH SOLE 290 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 15 100 SH OTR 0 100 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 57 393 SH SOLE 393 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 335 1736 SH SOLE 1736 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 442 5680 SH SOLE 5680 0 0 ISHARES CORE US AGGREGATE BOND OTHER 464287226 659 5820 SH SOLE 5820 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 13 330 SH OTR 0 330 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 184 3217 SH SOLE 3217 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 45 800 SH SOLE 800 0 0 ISHARES SHORT-TERM CORP BOND E OTHER 464288646 20 378 SH SOLE 378 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 11 115 SH SOLE 115 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 19 150 SH OTR 0 150 0 JOHNSON & JOHNSON COMMON STOCK 478160104 236 1823 SH SOLE 1823 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 230 1951 SH SOLE 1951 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 LOCKHEED MARTIN CORP COMMON STOCK 539830109 40 102 SH SOLE 102 0 0 LOWES COS INC COMMON STOCK 548661107 54 495 SH SOLE 495 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 48 SH OTR 0 48 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 26 207 SH SOLE 207 0 0 MASCO CORP COMMON STOCK 574599106 35 828 SH SOLE 828 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 44 163 SH SOLE 163 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 88 1516 SH SOLE 1516 0 0 MCDONALDS CORP COMMON STOCK 580135101 21 100 SH OTR 0 100 0 MCDONALDS CORP COMMON STOCK 580135101 81 375 SH SOLE 375 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 13 122 SH SOLE 122 0 0 MERCK & CO INC COMMON STOCK 58933Y105 163 1931 SH SOLE 1931 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 51 550 SH SOLE 550 0 0 MICROSOFT CORP COMMON STOCK 594918104 56 400 SH OTR 0 400 0 MICROSOFT CORP COMMON STOCK 594918104 392 2822 SH SOLE 2822 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 17 300 SH SOLE 300 0 0 MORGAN STANLEY COMMON STOCK 617446448 30 704 SH SOLE 704 0 0 NETFLIX INC COMMON STOCK 64110L106 89 332 SH SOLE 332 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 43 183 SH SOLE 183 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 45 480 SH SOLE 480 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 18 407 SH SOLE 407 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 17 300 SH OTR 0 300 0 ORACLE CORPORATION COMMON STOCK 68389X105 124 2251 SH SOLE 2251 0 0 PAYCHEX INC COMMON STOCK 704326107 55 660 SH SOLE 660 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 146 1413 SH SOLE 1413 0 0 PEPSICO INC COMMON STOCK 713448108 21 150 SH OTR 0 150 0 PEPSICO INC COMMON STOCK 713448108 165 1201 SH SOLE 1201 0 0 PFIZER INC COMMON STOCK 717081103 97 2691 SH SOLE 2691 0 0 PHILLIPS 66 COMMON STOCK 718546104 57 561 SH SOLE 561 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 19 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 152 1222 SH SOLE 1222 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 31 350 SH SOLE 350 0 0 QUALCOMM INC COMMON STOCK 747525103 30 395 SH SOLE 395 0 0 RAYTHEON COMPANY COMMON STOCK 755111507 35 177 SH SOLE 177 0 0 SALESFORCE.COM COMMON STOCK 79466L302 91 611 SH SOLE 611 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 28 809 SH SOLE 809 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 27 504 SH SOLE 504 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 18 268 SH SOLE 268 0 0 STARBUCKS CORP COMMON STOCK 855244109 122 1385 SH SOLE 1385 0 0 STRYKER CORPORATION COMMON STOCK 863667101 140 648 SH SOLE 648 0 0 SYSCO CORP COMMON STOCK 871829107 30 375 SH SOLE 375 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 29 250 SH OTR 0 250 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 40 347 SH SOLE 347 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 142 1766 SH SOLE 1766 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 34 265 SH SOLE 265 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 68 235 SH SOLE 235 0 0 TJX 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