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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100   2,263,920 20,568 SH   DFND 2 20,568 0 0
ABBVIE INC COMMON STOCK 00287Y109   763,382 4,926 SH   DFND 2 4,926 0 0
ADOBE INC COMMON STOCK 00724F101   3,791,990 6,356 SH   DFND 2 6,356 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   68,176 249 SH   DFND 2 249 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   7,331,909 52,487 SH   DFND 2 52,487 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,876,624 13,316 SH   DFND 2 13,316 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   222,757 5,522 SH   DFND 2 5,522 0 0
AMAZON.COM INC COMMON STOCK 023135106   5,606,738 36,901 SH   DFND 2 36,901 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   70,255 865 SH   DFND 2 865 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   339,085 1,810 SH   DFND 2 1,810 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   13,550 200 SH   DFND 2 200 0 0
AMERICAN SUPERCONDUCTOR CORP COMMON STOCK 030111207   3,843 345 SH   DFND 2 345 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   758,415 5,746 SH   DFND 2 5,746 0 0
AMGEN INC COMMON STOCK 031162100   1,290,330 4,480 SH   DFND 2 4,480 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,461,398 24,830 SH   DFND 2 24,830 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   11,914 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   11,982,682 62,238 SH   DFND 2 62,238 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   318,468 1,965 SH   DFND 2 1,965 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   14,444 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104   13,911 165 SH   DFND 2 165 0 0
AT&T INC COMMON STOCK 00206R102   278,934 16,623 SH   DFND 2 16,623 0 0
AUTODESK INC COMMON STOCK 052769106   19,478 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   265,353 1,139 SH   DFND 2 1,139 0 0
BADGER METER INC COMMON STOCK 056525108   15,437 100 SH   DFND 2 100 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,078,786 61,740 SH   DFND 2 61,740 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   39,038 750 SH   DFND 2 750 0 0
BAXTER INTL INC COMMON STOCK 071813109   10,825 280 SH   DFND 2 280 0 0
BECTON DICKINSON COMMON STOCK 075887109   46,328 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,169,994 8,888 SH   DFND 2 8,888 0 0
BEST BUY CO INC COMMON STOCK 086516101   2,270 29 SH   DFND 2 29 0 0
BIO-TECHNE CORP COMMON STOCK 09073M104   4,167 54 SH   DFND 2 54 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,714,659 3,344 SH   DFND 2 3,344 0 0
BLACKSTONE INC COMMON STOCK 09260D107   39,276 300 SH   DFND 2 300 0 0
BOEING CO COMMON STOCK 097023105   41,706 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   109,964 31 SH   DFND 2 31 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   1,833,204 35,728 SH   DFND 2 35,728 0 0
BROADCOM INC COMMON STOCK 11135F101   152,926 137 SH   DFND 2 137 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   2,622 20 SH   DFND 2 20 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   10,080 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   38,779 675 SH   DFND 2 675 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,319,827 7,846 SH   DFND 2 7,846 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   46,922 682 SH   DFND 2 682 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   1,166 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   986,544 6,614 SH   DFND 2 6,614 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,645,379 52,363 SH   DFND 2 52,363 0 0
CLOROX COMPANY COMMON STOCK 189054109   70,867 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   47,385 225 SH   DFND 2 225 0 0
CMS ENERGY CORP COMMON STOCK 125896100   7,026 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100   1,697,184 28,800 SH   DFND 2 28,800 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   201,507 2,528 SH   DFND 2 2,528 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   120,807 2,755 SH   DFND 2 2,755 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,566,481 13,496 SH   DFND 2 13,496 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   94,518 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   229,663 950 SH   DFND 2 950 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   3,857 33 SH   DFND 2 33 0 0
COSTAR GROUP INC COMMON STOCK 22160N109   2,272 26 SH   DFND 2 26 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,701,707 4,093 SH   DFND 2 4,093 0 0
CSX CORP COMMON STOCK 126408103   8,737 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,398,370 5,837 SH   DFND 2 5,837 0 0
CVS HEALTH CORP COMMON STOCK 126650100   9,554 121 SH   DFND 2 121 0 0
DANAHER CORP COMMON STOCK 235851102   1,633,723 7,062 SH   DFND 2 7,062 0 0
DEERE & CO COMMON STOCK 244199105   126,759 317 SH   DFND 2 317 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   4,530 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,248,402 24,902 SH   DFND 2 24,902 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   16,586 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   1,804,177 12,701 SH   DFND 2 12,701 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   652,971 13,893 SH   DFND 2 13,893 0 0
DOW INC COMMON STOCK 260557103   46,230 843 SH   DFND 2 843 0 0
DTE ENERGY CO COMMON STOCK 233331107   3,859 35 SH   DFND 2 35 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   110,140 1,135 SH   DFND 2 1,135 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   63,313 823 SH   DFND 2 823 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   712,452 7,932 SH   DFND 2 7,932 0 0
EBAY INC COMMON STOCK 278642103   17,448 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   421,692 2,126 SH   DFND 2 2,126 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   25,022 350 SH   DFND 2 350 0 0
EMERSON ELEC CO COMMON STOCK 291011104   154,365 1,586 SH   DFND 2 1,586 0 0
EOG RES INC COMMON STOCK 26875P101   17,538 145 SH   DFND 2 145 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   40,413 1,082 SH   DFND 2 1,082 0 0
EVANS BANCORP INC COMMON STOCK 29911Q208   9,459 300 SH   DFND 2 300 0 0
EXELON CORP COMMON STOCK 30161N101   3,590 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,556,989 25,575 SH   DFND 2 25,575 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   24,330 51 SH   DFND 2 51 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   156,841 620 SH   DFND 2 620 0 0
FIRST SOLAR INC COMMON STOCK 336433107   3,446 20 SH   DFND 2 20 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   29,365 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   308,853 2,325 SH   DFND 2 2,325 0 0
FLUSHING FINANCIAL CORP COMMON STOCK 343873105   16,480 1,000 SH   DFND 2 1,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   127,995 10,500 SH   DFND 2 10,500 0 0
FORTREA HLDGS INC COMMON STOCK 34965K107   3,839 110 SH   DFND 2 110 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   49,253 637 SH   DFND 2 637 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,614,888 6,219 SH   DFND 2 6,219 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   257,557 2,018 SH   DFND 2 2,018 0 0
GENERAL MLS INC COMMON STOCK 370334104   167,670 2,574 SH   DFND 2 2,574 0 0
GENUINE PARTS CO COMMON STOCK 372460105   29,085 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   84,979 1,049 SH   DFND 2 1,049 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   133,862 347 SH   DFND 2 347 0 0
GRACO INC COMMON STOCK 384109104   2,516 29 SH   DFND 2 29 0 0
GRAINGER W W INC COMMON STOCK 384802104   52,207 63 SH   DFND 2 63 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330301   6 11 SH   DFND 2 11 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,368 200 SH   DFND 2 200 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,868,884 11,164 SH   DFND 2 11,164 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,338,267 11,150 SH   DFND 2 11,150 0 0
IDACORP INC COMMON STOCK 451107106   22,810 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   115,254 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   621,350 8,034 SH   DFND 2 8,034 0 0
INTEL CORP COMMON STOCK 458140100   491,043 9,772 SH   DFND 2 9,772 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,556,656 19,907 SH   DFND 2 19,907 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   36,517 451 SH   DFND 2 451 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   233,549 1,428 SH   DFND 2 1,428 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   4,386 13 SH   DFND 2 13 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   19,609 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   68,145 525 SH   DFND 2 525 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,811,289 17,936 SH   DFND 2 17,936 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,639,630 21,397 SH   DFND 2 21,397 0 0
KELLANOVA COMMON STOCK 487836108   5,591 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   15,221 1,057 SH   DFND 2 1,057 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   25,760 212 SH   DFND 2 212 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   9,927 150 SH   DFND 2 150 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   25,002 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   1,497,521 2,569 SH   DFND 2 2,569 0 0
LITTELFUSE INC COMMON STOCK 537008104   4,013 15 SH   DFND 2 15 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   156,821 346 SH   DFND 2 346 0 0
LOWES COS INC COMMON STOCK 548661107   968,538 4,352 SH   DFND 2 4,352 0 0
MANITOWOC CO INC COMMON STOCK 563571405   3,338 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   6,991 31 SH   DFND 2 31 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   586,274 9,721 SH   DFND 2 9,721 0 0
MASCO CORP COMMON STOCK 574599106   1,540,540 23,000 SH   DFND 2 23,000 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,567,424 3,675 SH   DFND 2 3,675 0 0
MATSON INC COMMON STOCK 57686G105   10,960 100 SH   DFND 2 100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   77,383 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,416,260 8,149 SH   DFND 2 8,149 0 0
MERCK & CO INC COMMON STOCK 58933Y105   503,563 4,619 SH   DFND 2 4,619 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   2,338,614 6,607 SH   DFND 2 6,607 0 0
METLIFE INC COMMON STOCK 59156R108   23,873 361 SH   DFND 2 361 0 0
MICROSOFT CORP COMMON STOCK 594918104   11,360,168 30,210 SH   DFND 2 30,210 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   26,437 365 SH   DFND 2 365 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   54,730 950 SH   DFND 2 950 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,108,743 11,890 SH   DFND 2 11,890 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   15,297 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   1,560,450 3,205 SH   DFND 2 3,205 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   424,330 6,986 SH   DFND 2 6,986 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   142,227 1,310 SH   DFND 2 1,310 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   79,896 338 SH   DFND 2 338 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   38,387 82 SH   DFND 2 82 0 0
NUCOR CORP COMMON STOCK 670346105   6,091 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   5,198,820 10,498 SH   DFND 2 10,498 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   1,493 25 SH   DFND 2 25 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   3,680,245 34,907 SH   DFND 2 34,907 0 0
ORGANON & CO COMMON STOCK 68622V106   43 3 SH   DFND 2 3 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   13,847 85 SH   DFND 2 85 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   507,194 1,720 SH   DFND 2 1,720 0 0
PAYCHEX INC COMMON STOCK 704326107   876,530 7,359 SH   DFND 2 7,359 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   252,272 4,108 SH   DFND 2 4,108 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   39,941 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,386,744 8,165 SH   DFND 2 8,165 0 0
PFIZER INC COMMON STOCK 717081103   884,400 30,719 SH   DFND 2 30,719 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   358,727 3,813 SH   DFND 2 3,813 0 0
PHILLIPS 66 COMMON STOCK 718546104   19,039 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   3,150 700 SH   DFND 2 700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,534,409 17,295 SH   DFND 2 17,295 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   34,224 330 SH   DFND 2 330 0 0
QUALCOMM INC COMMON STOCK 747525103   1,429,812 9,886 SH   DFND 2 9,886 0 0
ROKU INC COMMON STOCK 77543R102   9,166 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   47,430 87 SH   DFND 2 87 0 0
ROSS STORES INC COMMON STOCK 778296103   34,459 249 SH   DFND 2 249 0 0
RTX CORPORATION COMMON STOCK 75513E101   182,500 2,169 SH   DFND 2 2,169 0 0
RYDER SYSTEM INC COMMON STOCK 783549108   11,506 100 SH   DFND 2 100 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   51,981 118 SH   DFND 2 118 0 0
SALESFORCE INC COMMON STOCK 79466L302   3,671,592 13,953 SH   DFND 2 13,953 0 0
SERVICENOW INC COMMON STOCK 81762P102   5,652 8 SH   DFND 2 8 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   173,105 555 SH   DFND 2 555 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   4,850 34 SH   DFND 2 34 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   5,470 1,000 SH   DFND 2 1,000 0 0
SITEONE LANDSCAPE SUPPLY INC COMMON STOCK 82982L103   3,413 21 SH   DFND 2 21 0 0
SITIME CORP COMMON STOCK 82982T106   1,587 13 SH   DFND 2 13 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   32,152 390 SH   DFND 2 390 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   609,935 3,065 SH   DFND 2 3,065 0 0
SOLAREDGE TECHNOLOGIES INC COMMON STOCK 83417M104   1,404 15 SH   DFND 2 15 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   39,337 561 SH   DFND 2 561 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   7,942 275 SH   DFND 2 275 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,490,075 15,520 SH   DFND 2 15,520 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,395,381 7,999 SH   DFND 2 7,999 0 0
SYSCO CORP COMMON STOCK 871829107   870,905 11,909 SH   DFND 2 11,909 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   181,996 1,690 SH   DFND 2 1,690 0 0
T-MOBILE US INC COMMON STOCK 872590104   568,370 3,545 SH   DFND 2 3,545 0 0
TARGET CORP COMMON STOCK 87612E106   23,642 166 SH   DFND 2 166 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105   1,785 4 SH   DFND 2 4 0 0
TERADYNE INC COMMON STOCK 880770102   629,199 5,798 SH   DFND 2 5,798 0 0
TESLA INC COMMON STOCK 88160R101   445,773 1,794 SH   DFND 2 1,794 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   695,477 4,080 SH   DFND 2 4,080 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,537,707 4,781 SH   DFND 2 4,781 0 0
TJX COS INC COMMON STOCK 872540109   1,994,401 21,260 SH   DFND 2 21,260 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   32,524 540 SH   DFND 2 540 0 0
TRANSMEDICS GROUP INC COMMON STOCK 89377M109   4,736 60 SH   DFND 2 60 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,715,172 9,004 SH   DFND 2 9,004 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   51,688 1,400 SH   DFND 2 1,400 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204   1,335 43 SH   DFND 2 43 0 0
TYLER TECHNOLOGIES INC COMMON STOCK 902252105   3,763 9 SH   DFND 2 9 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100   3,017 49 SH   DFND 2 49 0 0
UNION PAC CORP COMMON STOCK 907818108   1,992,715 8,113 SH   DFND 2 8,113 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   137,891 877 SH   DFND 2 877 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,474,935 4,701 SH   DFND 2 4,701 0 0
US BANCORP NEW COMMON STOCK 902973304   362,773 8,382 SH   DFND 2 8,382 0 0
VERALTO CORPORATION COMMON STOCK 92338C103   6,828 83 SH   DFND 2 83 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   269,065 7,137 SH   DFND 2 7,137 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   571,680 1,405 SH   DFND 2 1,405 0 0
VIATRIS INC COMMON STOCK 92556V106   422 39 SH   DFND 2 39 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   2,590 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839   3,320,244 12,753 SH   DFND 2 12,753 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   180,473 795 SH   DFND 2 795 0 0
WABTEC CORP COMMON STOCK 929740108   19,035 150 SH   DFND 2 150 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   2,611 100 SH   DFND 2 100 0 0
WALMART INC COMMON STOCK 931142103   1,609,607 10,210 SH   DFND 2 10,210 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   182 16 SH   DFND 2 16 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   43,700 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   21,043 250 SH   DFND 2 250 0 0
WELLS FARGO & CO COMMON STOCK 949746101   252,794 5,136 SH   DFND 2 5,136 0 0
WENDY'S CO COMMON STOCK 95058W100   13,052 670 SH   DFND 2 670 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,564,041 44,905 SH   DFND 2 44,905 0 0
WK KELLOGG CO COMMON STOCK 92942W107   329 25 SH   DFND 2 25 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   21,215 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,606,726 12,297 SH   DFND 2 12,297 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   73,385 603 SH   DFND 2 603 0 0
ZOETIS INC CL A COMMON STOCK 98978V103   1,974 10 SH   DFND 2 10 0 0
ZSCALER INC COMMON STOCK 98980G102   4,431 20 SH   DFND 2 20 0 0
3M CO COMMON STOCK 88579Y101   219,624 2,009 SH   DFND 2 2,009 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   75,119 2,122 SH   DFND 2 2,122 0 0
COMPASS PATHWAYS LTD SPONS ADR COMMON STOCK 20451W101   875 100 SH   DFND 2 100 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   44,676 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   40,370 187 SH   DFND 2 187 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   14,880 1,500 SH   DFND 2 1,500 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,825 110 SH   DFND 2 110 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   47,058,783 1,684,280 SH   DFND 2 1,684,280 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   78,604 224 SH   DFND 2 224 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   19,899 1,100 SH   DFND 2 1,100 0 0
BIRKENSTOCK HOLDING PLC COMMON STOCK M2029K104   4,873 100 SH   DFND 2 100 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   24,446 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   33,715 140 SH   DFND 2 140 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   64,836 1,800 SH   DFND 2 1,800 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   46,965 775 SH   DFND 2 775 0 0
LINDE PLC COMMON STOCK G54950103   10,268 25 SH   DFND 2 25 0 0
LITHIUM AMERICAS ARGENTINA C COMMON STOCK 53681K100   632 100 SH   DFND 2 100 0 0
LITHIUM AMERICAS CORP COMMON STOCK 53681J103   640 100 SH   DFND 2 100 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   802,095 8,436 SH   DFND 2 8,436 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   5,216 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   63,927 776 SH   DFND 2 776 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   242 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   16,876 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   10,113 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   19,983 384 SH   DFND 2 384 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   28,044 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903808   12,575 86 SH   DFND 2 86 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   89,822 1,390 SH   DFND 2 1,390 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   15,985 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   316,494 1,770 SH   DFND 2 1,770 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   91,550 1,271 SH   DFND 2 1,271 0 0
DIMENSIONAL US CORE EQUITY 2 OTHER 25434V708   154,714 5,293 SH   DFND 2 5,293 0 0
DIMENSIONAL US EQUITY ETF OTHER 25434V401   76,916 1,484 SH   DFND 2 1,484 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   167,764 2,001 SH   DFND 2 2,001 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   546,478 14,534 SH   DFND 2 14,534 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   32,135 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   460,283 3,375 SH   DFND 2 3,375 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   307,431 2,697 SH   DFND 2 2,697 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   35,422,251 86,497 SH   DFND 2 86,497 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   26,960,710 423,511 SH   DFND 2 423,511 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   41,718 593 SH   DFND 2 593 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   48,207,194 173,939 SH   DFND 2 173,939 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   50,344,910 465,080 SH   DFND 2 465,080 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   6,209 13 SH   DFND 2 13 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   238,165 3,064 SH   DFND 2 3,064 0 0
ISHARES SILVER TRUST OTHER 46428Q109   82,437 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   30,752 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,150,941 13,455 SH   DFND 2 13,455 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   2,964 74 SH   DFND 2 74 0 0
SPDR GOLD TRUST OTHER 78463V107   267,447 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   397,972 6,117 SH   DFND 2 6,117 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   49,081,013 1,052,563 SH   DFND 2 1,052,563 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   128,578 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   56,977 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   12,685 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   2,081 50 SH   DFND 2 50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   6,764,137 14,231 SH   DFND 2 14,231 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   994,929 5,169 SH   DFND 2 5,169 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   753,247 11,894 SH   DFND 2 11,894 0 0
VANECK BIOTECH ETF OTHER 92189F726   41,328 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   39,135 1,262 SH   DFND 2 1,262 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   32,708 1,750 SH   DFND 2 1,750 0 0
VANGUARD GROWTH ETF OTHER 922908736   172,849 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504   10,028 40 SH   DFND 2 40 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   32,912 68 SH   DFND 2 68 0 0
VANGUARD MID-CAP ETF OTHER 922908629   27,705,796 119,093 SH   DFND 2 119,093 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   329,141 3,725 SH   DFND 2 3,725 0 0
VANGUARD S&P 500 ETF OTHER 922908363   83,182,445 190,436 SH   DFND 2 190,436 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   12,984,970 60,868 SH   DFND 2 60,868 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,747 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   6,631,687 66,818 SH   DFND 2 66,818 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   469,526 19,180 SH   DFND 2 19,180 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   237,130 9,145 SH   DFND 2 9,145 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   10,873,663 436,518 SH   DFND 2 436,518 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   10,954,393 442,423 SH   DFND 2 442,423 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   239,497 9,388 SH   DFND 2 9,388 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   11,141,702 466,180 SH   DFND 2 466,180 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   10,923,423 456,474 SH   DFND 2 456,474 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   11,161,437 444,856 SH   DFND 2 444,856 0 0
ISHARES IBONDS DEC 2028 TERM M OTHER 46435U325   240,162 9,385 SH   DFND 2 9,385 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   11,321,210 490,733 SH   DFND 2 490,733 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   11,434,706 528,406 SH   DFND 2 528,406 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   11,600,170 558,506 SH   DFND 2 558,506 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   11,777,414 466,802 SH   DFND 2 466,802 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   5,389,027 208,473 SH   DFND 2 208,473 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   26,036,955 1,121,799 SH   DFND 2 1,121,799 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   223,192 9,662 SH   DFND 2 9,662 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   1,488,154 29,023 SH   DFND 2 29,023 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   22,597,543 208,734 SH   DFND 2 208,734 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   113,712 1,150 SH   DFND 2 1,150 0 0
SPDR BLOOMBERG 1-3 MONTH T-BIL OTHER 78468R663   1,371 15 SH   DFND 2 15 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   8,080,523 104,440 SH   DFND 2 104,440 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,191,289 16,197 SH   DFND 2 16,197 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   237,472 8,946 SH   DFND 2 8,946 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   240,273 9,454 SH   DFND 2 9,454 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,332,467 12,291 SH   DFND 2 12,291 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,580,017 84,674 SH   DFND 2 84,674 0 0
ABBOTT LABS COMMON STOCK 002824100   59,108 537 SH   OTR 2 0 537 0
ABBVIE INC COMMON STOCK 00287Y109   201,461 1,300 SH   OTR 2 0 1,300 0
ADOBE INC COMMON STOCK 00724F101   146,167 245 SH   OTR 2 0 245 0
ALPHABET INC CL A COMMON STOCK 02079K305   798,328 5,715 SH   OTR 2 0 5,715 0
ALPHABET INC CL C COMMON STOCK 02079K107   154,318 1,095 SH   OTR 2 0 1,095 0
AMAZON.COM INC COMMON STOCK 023135106   360,098 2,370 SH   OTR 2 0 2,370 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   187,340 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   36,825 279 SH   OTR 2 0 279 0
AMGEN INC COMMON STOCK 031162100   72,005 250 SH   OTR 2 0 250 0
AMPHENOL CORP CL A COMMON STOCK 032095101   33,506 338 SH   OTR 2 0 338 0
APPLE INC COMMON STOCK 037833100   1,415,288 7,351 SH   OTR 2 0 7,351 0
AT&T INC COMMON STOCK 00206R102   31,647 1,886 SH   OTR 2 0 1,886 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   623,195 2,675 SH   OTR 2 0 2,675 0
BANK OF AMERICA CORP COMMON STOCK 060505104   138,047 4,100 SH   OTR 2 0 4,100 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   31,230 600 SH   OTR 2 0 600 0
BAXTER INTL INC COMMON STOCK 071813109   64,756 1,675 SH   OTR 2 0 1,675 0
BECTON DICKINSON COMMON STOCK 075887109   35,355 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   351,310 985 SH   OTR 2 0 985 0
BLACKROCK INC CL A COMMON STOCK 09247X101   182,655 225 SH   OTR 2 0 225 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   104,775 2,042 SH   OTR 2 0 2,042 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   20,160 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   274,037 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101   323,759 1,095 SH   OTR 2 0 1,095 0
CHEVRON CORPORATION COMMON STOCK 166764100   298,171 1,999 SH   OTR 2 0 1,999 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   79,417 1,572 SH   OTR 2 0 1,572 0
CLOROX COMPANY COMMON STOCK 189054109   14,259 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   101,006 1,714 SH   OTR 2 0 1,714 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   453,311 5,687 SH   OTR 2 0 5,687 0
CONOCOPHILLIPS COMMON STOCK 20825C104   139,980 1,206 SH   OTR 2 0 1,206 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   154,478 639 SH   OTR 2 0 639 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   36,304 55 SH   OTR 2 0 55 0
CUMMINS INC COMMON STOCK 231021106   44,320 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100   30,794 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   29,843 129 SH   OTR 2 0 129 0
DISNEY WALT CO NEW COMMON STOCK 254687106   147,353 1,632 SH   OTR 2 0 1,632 0
DOLLAR TREE INC COMMON STOCK 256746108   24,859 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109   24,205 515 SH   OTR 2 0 515 0
DOW INC COMMON STOCK 260557103   1,810 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   31,424 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   40,466 417 SH   OTR 2 0 417 0
ECOLAB INC COMMON STOCK 278865100   178,515 900 SH   OTR 2 0 900 0
EMBECTA CORP COMMON STOCK 29082K105   549 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   264,738 2,720 SH   OTR 2 0 2,720 0
EOG RES INC COMMON STOCK 26875P101   4,233 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   785,843 7,860 SH   OTR 2 0 7,860 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   38,951 150 SH   OTR 2 0 150 0
GILEAD SCIENCES INC COMMON STOCK 375558103   8,911 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   9,644 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   551,361 1,591 SH   OTR 2 0 1,591 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   152,669 728 SH   OTR 2 0 728 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   22,119 286 SH   OTR 2 0 286 0
INTEL CORP COMMON STOCK 458140100   127,635 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   105,184 819 SH   OTR 2 0 819 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   649,784 3,973 SH   OTR 2 0 3,973 0
INTUIT INC COMMON STOCK 461202103   468,773 750 SH   OTR 2 0 750 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   59,708 460 SH   OTR 2 0 460 0
JOHNSON & JOHNSON COMMON STOCK 478160104   918,967 5,863 SH   OTR 2 0 5,863 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,103,099 6,485 SH   OTR 2 0 6,485 0
KELLANOVA COMMON STOCK 487836108   50,319 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,220 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108   947,245 1,625 SH   OTR 2 0 1,625 0
LOWES COS INC COMMON STOCK 548661107   162,462 730 SH   OTR 2 0 730 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   60,612 1,005 SH   OTR 2 0 1,005 0
MASCO CORP COMMON STOCK 574599106   29,538 441 SH   OTR 2 0 441 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   38,386 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   105,854 357 SH   OTR 2 0 357 0
MERCK & CO INC COMMON STOCK 58933Y105   343,958 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   127,072 359 SH   OTR 2 0 359 0
MICROSOFT CORP COMMON STOCK 594918104   1,999,029 5,316 SH   OTR 2 0 5,316 0
MORGAN STANLEY COMMON STOCK 617446448   186,500 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   114,417 235 SH   OTR 2 0 235 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   137,272 2,260 SH   OTR 2 0 2,260 0
NIKE INC-CLASS B COMMON STOCK 654106103   249,711 2,300 SH   OTR 2 0 2,300 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   100,462 425 SH   OTR 2 0 425 0
NVIDIA CORP COMMON STOCK 67066G104   587,826 1,187 SH   OTR 2 0 1,187 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   33,258 557 SH   OTR 2 0 557 0
ORACLE CORPORATION COMMON STOCK 68389X105   560,888 5,320 SH   OTR 2 0 5,320 0
ORGANON & CO COMMON STOCK 68622V106   202 14 SH   OTR 2 0 14 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   188,692 2,109 SH   OTR 2 0 2,109 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   10,911 37 SH   OTR 2 0 37 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   11,477 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   125,542 1,054 SH   OTR 2 0 1,054 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   17,011 277 SH   OTR 2 0 277 0
PEPSICO INC COMMON STOCK 713448108   535,166 3,151 SH   OTR 2 0 3,151 0
PFIZER INC COMMON STOCK 717081103   298,639 10,373 SH   OTR 2 0 10,373 0
PHILLIPS 66 COMMON STOCK 718546104   4,260 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   482,996 3,296 SH   OTR 2 0 3,296 0
QUALCOMM INC COMMON STOCK 747525103   31,819 220 SH   OTR 2 0 220 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   68,940 500 SH   OTR 2 0 500 0
RTX CORPORATION COMMON STOCK 75513E101   443,586 5,272 SH   OTR 2 0 5,272 0
RUMBLE INC CL A COMMON STOCK 78137L105   4,490 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   238,668 907 SH   OTR 2 0 907 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   60,098 302 SH   OTR 2 0 302 0
SOUTHERN COMPANY COMMON STOCK 842587107   21,036 300 SH   OTR 2 0 300 0
STARBUCKS CORP COMMON STOCK 855244109   192,980 2,010 SH   OTR 2 0 2,010 0
STRYKER CORPORATION COMMON STOCK 863667101   366,839 1,225 SH   OTR 2 0 1,225 0
SYSCO CORP COMMON STOCK 871829107   21,939 300 SH   OTR 2 0 300 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   94,229 875 SH   OTR 2 0 875 0
TERADYNE INC COMMON STOCK 880770102   20,076 185 SH   OTR 2 0 185 0
TESLA INC COMMON STOCK 88160R101   54,169 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   175,161 330 SH   OTR 2 0 330 0
TJX COS INC COMMON STOCK 872540109   196,532 2,095 SH   OTR 2 0 2,095 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   22,859 120 SH   OTR 2 0 120 0
UNION PAC CORP COMMON STOCK 907818108   121,582 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   86,477 550 SH   OTR 2 0 550 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   165,838 315 SH   OTR 2 0 315 0
US BANCORP NEW COMMON STOCK 902973304   73,576 1,700 SH   OTR 2 0 1,700 0
VERALTO CORPORATION COMMON STOCK 92338C103   3,455 42 SH   OTR 2 0 42 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   100,320 2,661 SH   OTR 2 0 2,661 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   144,446 355 SH   OTR 2 0 355 0
VIATRIS INC COMMON STOCK 92556V106   11,761 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   350,952 1,348 SH   OTR 2 0 1,348 0
WALMART INC COMMON STOCK 931142103   100,108 635 SH   OTR 2 0 635 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   3,892 342 SH   OTR 2 0 342 0
WELLS FARGO & CO COMMON STOCK 949746101   45,529 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100   62,206 1,786 SH   OTR 2 0 1,786 0
WK KELLOGG CO COMMON STOCK 92942W107   2,957 225 SH   OTR 2 0 225 0
YUM! BRANDS INC COMMON STOCK 988498101   17,639 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   18,255 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   195,136 1,785 SH   OTR 2 0 1,785 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   624,655 22,357 SH   OTR 2 0 22,357 0
EATON CORP PLC COMMON STOCK G29183103   120,410 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G54950103   112,945 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   12,360 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   24,714 300 SH   OTR 2 0 300 0
SCHLUMBERGER LTD COMMON STOCK 806857108   11,189 215 SH   OTR 2 0 215 0
TORONTO DOMINION BANK COMMON STOCK 891160509   134,668 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   475,560 6,545 SH   OTR 2 0 6,545 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   592,398 3,313 SH   OTR 2 0 3,313 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   392,059 5,443 SH   OTR 2 0 5,443 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   210,438 2,510 SH   OTR 2 0 2,510 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   741,359 19,717 SH   OTR 2 0 19,717 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   710,131 5,207 SH   OTR 2 0 5,207 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   462,571 4,058 SH   OTR 2 0 4,058 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   145,789 356 SH   OTR 2 0 356 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   777,989 12,221 SH   OTR 2 0 12,221 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   343,112 1,238 SH   OTR 2 0 1,238 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   1,172,889 10,835 SH   OTR 2 0 10,835 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182   3,062 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   15,923 396 SH   OTR 2 0 396 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   282,881 3,307 SH   OTR 2 0 3,307 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   119,140 2,555 SH   OTR 2 0 2,555 0
SPDR S&P BIOTECH ETF OTHER 78464A870   7,768 87 SH   OTR 2 0 87 0
SPDR S&P TELECOM ETF OTHER 78464A540   5,599 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   161,605 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,618,372 8,408 SH   OTR 2 0 8,408 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   134,576 2,125 SH   OTR 2 0 2,125 0
VANGUARD MID-CAP ETF OTHER 922908629   3,048,515 13,104 SH   OTR 2 0 13,104 0
VANGUARD REAL ESTATE ETF OTHER 922908553   174,953 1,980 SH   OTR 2 0 1,980 0
VANGUARD S&P 500 ETF OTHER 922908363   1,056,619 2,419 SH   OTR 2 0 2,419 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,262,274 5,917 SH   OTR 2 0 5,917 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   123,060 1,500 SH   OTR 2 0 1,500 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   297,973 11,962 SH   OTR 2 0 11,962 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   250,645 10,123 SH   OTR 2 0 10,123 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   253,603 10,611 SH   OTR 2 0 10,611 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   253,945 10,612 SH   OTR 2 0 10,612 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   255,517 10,184 SH   OTR 2 0 10,184 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   321,573 13,939 SH   OTR 2 0 13,939 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   322,458 14,901 SH   OTR 2 0 14,901 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   379,219 18,258 SH   OTR 2 0 18,258 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   325,517 12,902 SH   OTR 2 0 12,902 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   113,249 4,381 SH   OTR 2 0 4,381 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   732,461 31,558 SH   OTR 2 0 31,558 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   76,913 1,500 SH   OTR 2 0 1,500 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   569,881 5,264 SH   OTR 2 0 5,264 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   489,907 6,332 SH   OTR 2 0 6,332 0
ABBOTT LABS COMMON STOCK 002824100   100,824 916 SH   SOLE   916 0 0
ABBVIE INC COMMON STOCK 00287Y109   9,918 64 SH   SOLE   64 0 0
ADOBE INC COMMON STOCK 00724F101   192,105 322 SH   SOLE   322 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   235,098 1,683 SH   SOLE   1,683 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   111,194 789 SH   SOLE   789 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   16,136 400 SH   SOLE   400 0 0
AMAZON.COM INC COMMON STOCK 023135106   321,201 2,114 SH   SOLE   2,114 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   29,600 158 SH   SOLE   158 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   37,089 281 SH   SOLE   281 0 0
AMGEN INC COMMON STOCK 031162100   41,475 144 SH   SOLE   144 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   91,894 927 SH   SOLE   927 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   35,344 178 SH   SOLE   178 0 0
APPLE INC COMMON STOCK 037833100   1,401,426 7,279 SH   SOLE   7,279 0 0
ARCHROCK INC COMMON STOCK 03957W106   7,700 500 SH   SOLE   500 0 0
AT&T INC COMMON STOCK 00206R102   39,685 2,365 SH   SOLE   2,365 0 0
AUTODESK INC COMMON STOCK 052769106   24,348 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   35,178 151 SH   SOLE   151 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   88,889 2,640 SH   SOLE   2,640 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   151,224 424 SH   SOLE   424 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   134,759 166 SH   SOLE   166 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   10,642 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   103,338 2,014 SH   SOLE   2,014 0 0
CATERPILLAR INC COMMON STOCK 149123101   92,249 312 SH   SOLE   312 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   49,819 334 SH   SOLE   334 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   134,434 2,661 SH   SOLE   2,661 0 0
COCA COLA CO COMMON STOCK 191216100   121,867 2,068 SH   SOLE   2,068 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   21,203 266 SH   SOLE   266 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   64,419 555 SH   SOLE   555 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   32,878 136 SH   SOLE   136 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   149,838 227 SH   SOLE   227 0 0
CUMMINS INC COMMON STOCK 231021106   53,903 225 SH   SOLE   225 0 0
DANAHER CORP COMMON STOCK 235851102   88,835 384 SH   SOLE   384 0 0
DEERE & CO COMMON STOCK 244199105   23,992 60 SH   SOLE   60 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   2,525 33 SH   SOLE   33 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   11,021 75 SH   SOLE   75 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   106,994 1,185 SH   SOLE   1,185 0 0
DOLLAR TREE INC COMMON STOCK 256746108   40,058 282 SH   SOLE   282 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   21,009 447 SH   SOLE   447 0 0
DOW INC COMMON STOCK 260557103   3,674 67 SH   SOLE   67 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   5,154 67 SH   SOLE   67 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   24,880 277 SH   SOLE   277 0 0
ECOLAB INC COMMON STOCK 278865100   5,951 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   18,391 39 SH   SOLE   39 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   139,272 1,393 SH   SOLE   1,393 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   22,767 90 SH   SOLE   90 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   17,397 225 SH   SOLE   225 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   77,641 299 SH   SOLE   299 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   86,150 675 SH   SOLE   675 0 0
GENERAL MLS INC COMMON STOCK 370334104   21,626 332 SH   SOLE   332 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   30,862 80 SH   SOLE   80 0 0
HOME DEPOT INC COMMON STOCK 437076102   209,316 604 SH   SOLE   604 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   131,069 625 SH   SOLE   625 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   23,313 89 SH   SOLE   89 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   40,449 523 SH   SOLE   523 0 0
INTEL CORP COMMON STOCK 458140100   31,306 623 SH   SOLE   623 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   121,238 944 SH   SOLE   944 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   2,672 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   36,799 225 SH   SOLE   225 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   5,192 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   136,677 872 SH   SOLE   872 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   191,192 1,124 SH   SOLE   1,124 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,076 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   882 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,849 50 SH   SOLE   50 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   125 6 SH   SOLE   6 0 0
LILLY ELI & CO COMMON STOCK 532457108   70,533 121 SH   SOLE   121 0 0
LOWES COS INC COMMON STOCK 548661107   34,273 154 SH   SOLE   154 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   20,521 91 SH   SOLE   91 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   41,855 694 SH   SOLE   694 0 0
MASCO CORP COMMON STOCK 574599106   79,639 1,189 SH   SOLE   1,189 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   116,864 274 SH   SOLE   274 0 0
MCDONALDS CORP COMMON STOCK 580135101   118,307 399 SH   SOLE   399 0 0
MERCK & CO INC COMMON STOCK 58933Y105   76,859 705 SH   SOLE   705 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   124,948 353 SH   SOLE   353 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   23,266 258 SH   SOLE   258 0 0
MICROSOFT CORP COMMON STOCK 594918104   585,118 1,556 SH   SOLE   1,556 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   16,297 225 SH   SOLE   225 0 0
MORGAN STANLEY COMMON STOCK 617446448   18,184 195 SH   SOLE   195 0 0
NASDAQ INC COMMON STOCK 631103108   14,535 250 SH   SOLE   250 0 0
NETFLIX INC COMMON STOCK 64110L106   117,338 241 SH   SOLE   241 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   21,866 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   28,337 261 SH   SOLE   261 0 0
NVIDIA CORP COMMON STOCK 67066G104   259,000 523 SH   SOLE   523 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   199,579 1,893 SH   SOLE   1,893 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   35,975 122 SH   SOLE   122 0 0
PAYCHEX INC COMMON STOCK 704326107   53,123 446 SH   SOLE   446 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   17,809 290 SH   SOLE   290 0 0
PEPSICO INC COMMON STOCK 713448108   34,478 203 SH   SOLE   203 0 0
PFIZER INC COMMON STOCK 717081103   53,204 1,848 SH   SOLE   1,848 0 0
PINTEREST INC CL A COMMON STOCK 72352L106   3,704 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   112,543 768 SH   SOLE   768 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   12,964 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   61,323 424 SH   SOLE   424 0 0
RTX CORPORATION COMMON STOCK 75513E101   20,614 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   189,198 719 SH   SOLE   719 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   44,974 226 SH   SOLE   226 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   2,888 100 SH   SOLE   100 0 0
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109   6,550 1,000 SH   SOLE   1,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   62,214 648 SH   SOLE   648 0 0
STRYKER CORPORATION COMMON STOCK 863667101   146,735 490 SH   SOLE   490 0 0
SYSCO CORP COMMON STOCK 871829107   32,397 443 SH   SOLE   443 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   18,738 174 SH   SOLE   174 0 0
T-MOBILE US INC COMMON STOCK 872590104   27,256 170 SH   SOLE   170 0 0
TERADYNE INC COMMON STOCK 880770102   40,152 370 SH   SOLE   370 0 0
TESLA INC COMMON STOCK 88160R101   12,424 50 SH   SOLE   50 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   8,523 50 SH   SOLE   50 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   104,035 196 SH   SOLE   196 0 0
TJX COS INC COMMON STOCK 872540109   103,097 1,099 SH   SOLE   1,099 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   67,052 352 SH   SOLE   352 0 0
UNION PAC CORP COMMON STOCK 907818108   120,354 490 SH   SOLE   490 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   5,660 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   114,244 217 SH   SOLE   217 0 0
US BANCORP NEW COMMON STOCK 902973304   14,153 327 SH   SOLE   327 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   64,618 1,714 SH   SOLE   1,714 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   36,213 89 SH   SOLE   89 0 0
VISA INC CL A COMMON STOCK 92826C839   234,575 901 SH   SOLE   901 0 0
WALMART INC COMMON STOCK 931142103   63,218 401 SH   SOLE   401 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   273 24 SH   SOLE   24 0 0
WELLS FARGO & CO COMMON STOCK 949746101   13,437 273 SH   SOLE   273 0 0
WILLIAMS COS INC COMMON STOCK 969457100   96,270 2,764 SH   SOLE   2,764 0 0
YUM! BRANDS INC COMMON STOCK 988498101   53,832 412 SH   SOLE   412 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   157 18 SH   SOLE   18 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   555,671 19,888 SH   SOLE   19,888 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   19,300 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   37,081 390 SH   SOLE   390 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   16,132 310 SH   SOLE   310 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   50,862 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   89,405 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   33,854 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   28,841 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   109,104 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   75,233 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   3,090,647 7,547 SH   SOLE   7,547 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,779,042 27,946 SH   SOLE   27,946 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   3,875,111 13,982 SH   SOLE   13,982 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   4,083,407 37,722 SH   SOLE   37,722 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   5,732 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   142,324 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   68,844 343 SH   SOLE   343 0 0
ISHARES SILVER TRUST OTHER 46428Q109   5,009 230 SH   SOLE   230 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   97,173 1,136 SH   SOLE   1,136 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   60,801 1,555 SH   SOLE   1,555 0 0
SPDR GOLD TRUST OTHER 78463V107   77,042 403 SH   SOLE   403 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   4,047,484 86,800 SH   SOLE   86,800 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,572 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   332,717 700 SH   SOLE   700 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   192,480 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   58,834 929 SH   SOLE   929 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   4,714 152 SH   SOLE   152 0 0
VANGUARD ENERGY ETF OTHER 92204A306   17,592 150 SH   SOLE   150 0 0
VANGUARD MID-CAP ETF OTHER 922908629   1,140,401 4,902 SH   SOLE   4,902 0 0
VANGUARD S&P 500 ETF OTHER 922908363   8,039,741 18,406 SH   SOLE   18,406 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   576,844 2,704 SH   SOLE   2,704 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,854 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   27,294 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   1,060,294 42,565 SH   SOLE   42,565 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   1,074,980 43,416 SH   SOLE   43,416 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   1,102,316 46,122 SH   SOLE   46,122 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   1,136,747 47,503 SH   SOLE   47,503 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   1,171,226 46,681 SH   SOLE   46,681 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   1,204,415 52,207 SH   SOLE   52,207 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   1,131,491 52,287 SH   SOLE   52,287 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   1,192,925 57,435 SH   SOLE   57,435 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   1,257,388 49,837 SH   SOLE   49,837 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   661,502 25,590 SH   SOLE   25,590 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   2,501,318 107,769 SH   SOLE   107,769 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   86,856 3,760 SH   SOLE   3,760 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   28,714 560 SH   SOLE   560 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   2,012,770 18,592 SH   SOLE   18,592 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   32,433 328 SH   SOLE   328 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   366,579 4,738 SH   SOLE   4,738 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   13,239 180 SH   SOLE   180 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   233,182 4,311 SH   SOLE   4,311 0 0
ABBOTT LABS COMMON STOCK 002824100   2,201,400 20,000 SH   DFND 3 20,000 0 0
ADOBE INC COMMON STOCK 00724F101   3,579,600 6,000 SH   DFND 3 6,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   739,260 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   4,442,142 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   4,573,394 30,100 SH   DFND 3 30,100 0 0
AMGEN INC COMMON STOCK 031162100   1,641,714 5,700 SH   DFND 3 5,700 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,180,860 22,000 SH   DFND 3 22,000 0 0
APPLE INC COMMON STOCK 037833100   8,933,392 46,400 SH   DFND 3 46,400 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,340,065 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   1,818,966 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,719,530 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   891,616 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,862,721 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   984,456 6,600 SH   DFND 3 6,600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,553,490 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,369,666 2,075 SH   DFND 3 2,075 0 0
DANAHER CORP COMMON STOCK 235851102   1,156,700 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   1,169,256 12,950 SH   DFND 3 12,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108   582,405 4,100 SH   DFND 3 4,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   376,000 8,000 SH   DFND 3 8,000 0 0
ECOLAB INC COMMON STOCK 278865100   773,565 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   819,836 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,003,002 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,188,260 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,887,390 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,105,962 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,311,740 18,000 SH   DFND 3 18,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,489,030 9,500 SH   DFND 3 9,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,679,075 15,750 SH   DFND 3 15,750 0 0
LILLY ELI & CO COMMON STOCK 532457108   1,981,928 3,400 SH   DFND 3 3,400 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,206,200 20,000 SH   DFND 3 20,000 0 0
MASCO CORP COMMON STOCK 574599106   2,210,340 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   770,926 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,946,780 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   8,761,732 23,300 SH   DFND 3 23,300 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,053,725 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,460,640 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   334,070 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   922,845 8,500 SH   DFND 3 8,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   4,323,271 8,730 SH   DFND 3 8,730 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,338,961 12,700 SH   DFND 3 12,700 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   471,808 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC COMMON STOCK 713448108   1,647,448 9,700 SH   DFND 3 9,700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,776,798 12,125 SH   DFND 3 12,125 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,894,540 11,000 SH   DFND 3 11,000 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   857,725 2,750 SH   DFND 3 2,750 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   497,500 2,500 SH   DFND 3 2,500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   641,598 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,946,490 6,500 SH   DFND 3 6,500 0 0
SYSCO CORP COMMON STOCK 871829107   548,475 7,500 SH   DFND 3 7,500 0 0
TERADYNE INC COMMON STOCK 880770102   542,600 5,000 SH   DFND 3 5,000 0 0
TESLA INC COMMON STOCK 88160R101   1,043,616 4,200 SH   DFND 3 4,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,441,634 4,600 SH   DFND 3 4,600 0 0
TJX COS INC COMMON STOCK 872540109   2,162,321 23,050 SH   DFND 3 23,050 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,053,233 3,900 SH   DFND 3 3,900 0 0
VERALTO CORPORATION COMMON STOCK 92338C103   137,127 1,667 SH   DFND 3 1,667 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   610,335 1,500 SH   DFND 3 1,500 0 0
VISA INC CL A COMMON STOCK 92826C839   2,082,800 8,000 SH   DFND 3 8,000 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   249,711 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   2,112,510 13,400 SH   DFND 3 13,400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,432,800 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,198,152 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   507,318 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,480,380 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   579,500 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   190,160 2,000 SH   DFND 3 2,000 0 0