The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMBARELLA INC INFORMATION TECHNOLOGY G037AX101 3 25 SH   SOLE   25 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 369 3,815 SH   SOLE   3,815 0 0
WEATHERFORD INTERNATIONAL OLC ENERGY G48833100 35 2,824 SH   SOLE   2,824 0 0
MICHAEL KORS HOLDINGS LIMITED CONSUMER DISCRETIONARY G60754101 5 115 SH   SOLE   115 0 0
ACE LIMITED FINANCIALS H0023R105 22 220 SH   SOLE   220 0 0
CHECK POINT SOFTWARE TECHONOLOGIES LTD INFORMATION TECHNOLOGY M22465104 5 60 SH   DFND   60 0 0
STRATASYS LTD TELECOM. SERVICES M85548101 1 15 SH   SOLE   15 0 0
AFLAC INC. FINANCIALS 001055102 88 1,411 SH   SOLE   1,411 0 0
AFLAC INC. FINANCIALS 001055102 31 500 SH   DFND   300 200 0
AT&T INC. TELECOM. SERVICES 00206R102 1,913 53,847 SH   SOLE   53,787 0 60
AT&T INC. TELECOM. SERVICES 00206R102 386 10,869 SH   DFND   5,536 5,333 0
ABBOTT LABS HEALTHCARE 002824100 272 5,552 SH   SOLE   5,552 0 0
ABBOTT LABS HEALTHCARE 002824100 145 2,945 SH   DFND   1,370 1,575 0
ABBVIE INC. HEALTHCARE 00287Y109 547 8,137 SH   SOLE   8,137 0 0
ABBVIE INC. HEALTHCARE 00287Y109 196 2,915 SH   DFND   1,340 1,575 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 53 2,175 SH   SOLE   2,175 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 12 150 SH   SOLE   150 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 0 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 327 2,563 SH   SOLE   2,563 0 0
AGILENT TECHNOLOGIES INC INFORMATION TECHNOLOGY 00846U101 4 110 SH   DFND   110 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 10 150 SH   SOLE   150 0 0
ALCOA INC MATERIALS 013817101 13 1,180 SH   SOLE   1,180 0 0
ALEXION PHARMACEUTICALS INC HEALTHCARE 015351109 17 95 SH   SOLE   95 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 1 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 19 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 132 2,703 SH   SOLE   2,703 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 841 1,938 SH   SOLE   1,938 0 0
AMERICAN EXPRESS FINANCIALS 025816109 370 4,757 SH   SOLE   4,720 0 37
AMERICAN EXPRESS FINANCIALS 025816109 30 385 SH   DFND   285 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 7 110 SH   SOLE   110 0 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 7 110 SH   DFND   110 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 301 3,228 SH   SOLE   3,228 0 0
AMERISOURCEBERGEN CORP HEALTHCARE 03073E105 4 40 SH   DFND   40 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 5 40 SH   DFND   40 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 205 1,335 SH   SOLE   1,335 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 14 180 SH   SOLE   180 0 0
ANALOG DEVICES INC INFORMATION TECHNOLOGY 032654105 9 140 SH   SOLE   140 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 12 100 SH   SOLE   100 0 0
APACHE CORP ENERGY 037411105 9 150 SH   SOLE   150 0 0
APPOLO GLOBAL MANAGEMENT LLC FINANCIALS 037612306 8 370 SH   SOLE   370 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 2,940 23,442 SH   SOLE   23,442 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 129 1,030 SH   DFND   680 350 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 72 3,725 SH   SOLE   3,725 0 0
AQUA AMERICA INC UTILITIES 03836W103 574 23,450 SH   SOLE   23,450 0 0
AQUA AMERICA INC UTILITIES 03836W103 21 875 SH   DFND   0 875 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102 2 48 SH   SOLE   48 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 62 2,312 SH   SOLE   2,312 0 0
ASHLAND INC. INDUSTRIALS 044209104 10 80 SH   SOLE   80 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 49 425 SH   SOLE   425 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106 10 200 SH   SOLE   200 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 826 10,298 SH   SOLE   10,298 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 221 2,760 SH   DFND   1,460 1,300 0
BP P.L.C. ENERGY 055622104 60 1,495 SH   SOLE   1,495 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 6 100 SH   SOLE   100 0 0
BAKER HUGHES INC ENERGY 057224107 21 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 8 118 SH   SOLE   118 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 85 4,986 SH   SOLE   4,927 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 12 678 SH   DFND   0 678 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 56 1,325 SH   SOLE   1,325 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 23 1,925 SH   SOLE   1,925 0 0
BARRICK GOLD CORP MATERIALS 067901108 8 795 SH   SOLE   795 0 0
BARRICK GOLD CORP MATERIALS 067901108 7 685 SH   DFND   0 685 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 63 900 SH   DFND   900 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 364 2,570 SH   SOLE   2,555 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 108 765 SH   DFND   530 235 0
BED BATH & BEYOND CONSUMER DISCRETIONARY 075896100 17 250 SH   SOLE   250 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 833 6,122 SH   SOLE   6,122 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 12 85 SH   DFND   0 85 0
BIOGEN INC HEALTHCARE 09062X103 38 95 SH   SOLE   95 0 0
BLACKROCK INC FINANCIALS 09247X101 86 250 SH   SOLE   250 0 0
BLACKROCK INC FINANCIALS 09247X101 10 30 SH   DFND   30 0 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 201 4,920 SH   SOLE   4,920 0 0
BOEING INDUSTRIALS 097023105 462 3,331 SH   SOLE   3,306 0 25
BOEING INDUSTRIALS 097023105 148 1,070 SH   DFND   570 500 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,763 26,493 SH   SOLE   26,493 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 520 7,815 SH   DFND   4,525 3,290 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 94 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 6 100 SH   SOLE   100 0 0
CF INDUSTRIES HOLDINGS INC INDUSTRIALS 125269100 6 95 SH   SOLE   95 0 0
CIT GROUP INC. FINANCIALS 125581801 6 120 SH   DFND   120 0 0
CME GROUP INC. FINANCIALS 12572Q105 7 80 SH   DFND   80 0 0
CSX CORPORATION INDUSTRIALS 126408103 212 6,495 SH   SOLE   6,495 0 0
CSX CORPORATION INDUSTRIALS 126408103 69 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,374 13,103 SH   SOLE   13,103 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 8 80 SH   DFND   80 0 0
CAMERON INTERNATIONAL CORP ENERGY 13342B105 3 60 SH   DFND   60 0 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 103 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 55 343 SH   SOLE   343 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 29 335 SH   SOLE   335 0 0
CARDINAL HEALTH INC HEALTHCARE 14149Y108 10 125 SH   SOLE   125 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 3 35 SH   SOLE   35 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,162 13,697 SH   SOLE   13,672 0 25
CATERPILLAR INC INDUSTRIALS 149123101 230 2,715 SH   DFND   1,985 730 0
CELGENE CORP HEALTHCARE 151020104 449 3,880 SH   SOLE   3,880 0 0
CELGENE CORP HEALTHCARE 151020104 8 65 SH   DFND   0 65 0
CENOVUS ENERGY INC. ENERGY 15135U109 12 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 27 1,400 SH   SOLE   1,400 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 133 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 11 361 SH   SOLE   361 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 4 130 SH   DFND   130 0 0
CHEVRON CORPORATION ENERGY 166764100 1,302 13,492 SH   SOLE   13,492 0 0
CHEVRON CORPORATION ENERGY 166764100 244 2,533 SH   DFND   1,595 938 0
CHIPOTLE MEXICAN GRILL, INC CONSUMER STAPLES 169656105 3 5 SH   SOLE   5 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 873 31,786 SH   SOLE   31,721 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 43 1,575 SH   DFND   0 1,575 0
CITIGROUP INC. FINANCIALS 172967424 29 529 SH   SOLE   529 0 0
CITIGROUP INC. FINANCIALS 172967424 6 110 SH   DFND   110 0 0
CITRIX SYSTEMS INC. INFORMATION TECHNOLOGY 177376100 5 70 SH   DFND   70 0 0
CLAYMORE CHINA SMALL CAP INDEX ETF MUTUAL FUND 18383Q853 6 175 SH   SOLE   175 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 10 100 SH   SOLE   100 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 21 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 42 1,210 SH   SOLE   1,210 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,051 26,806 SH   SOLE   26,806 0 0
COCA COLA CO CONSUMER STAPLES 191216100 307 7,830 SH   DFND   4,080 3,750 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 37 605 SH   SOLE   605 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 1,030 15,754 SH   SOLE   15,754 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 184 2,820 SH   DFND   2,550 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 104 1,726 SH   SOLE   1,726 0 0
COMCAST CORP - SPECIAL CL A CONSUMER DISCRETIONARY 20030N200 3 50 SH   DFND   50 0 0
CONOCOPHILLIPS ENERGY 20825C104 1,295 21,089 SH   SOLE   21,089 0 0
CONOCOPHILLIPS ENERGY 20825C104 194 3,160 SH   DFND   2,360 800 0
CONSOLIDATED EDISON INC UTILITIES 209115104 109 1,881 SH   SOLE   1,881 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 139 7,030 SH   SOLE   6,960 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 61 454 SH   SOLE   454 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 14 95 SH   SOLE   95 0 0
CUMMINS INC INDUSTRIALS 231021106 485 3,697 SH   SOLE   3,697 0 0
CUMMINS INC INDUSTRIALS 231021106 14 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC MUTUAL FUND 23325P104 25 2,500 SH   SOLE   2,500 0 0
DTE ENERGY CO UTILITIES 233331107 20 265 SH   SOLE   265 0 0
DANAHER CORP INDUSTRIALS 235851102 257 3,004 SH   SOLE   3,004 0 0
DANAHER CORP INDUSTRIALS 235851102 70 815 SH   DFND   540 275 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 286 2,945 SH   SOLE   2,945 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 29 300 SH   DFND   0 300 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 12 295 SH   SOLE   295 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 43 838 SH   SOLE   838 0 0
DEVON ENERGY CORPORATION NEW ENERGY 25179M103 4 60 SH   DFND   60 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 27 236 SH   SOLE   236 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,905 16,686 SH   SOLE   16,661 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 144 1,261 SH   DFND   0 1,261 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 33 565 SH   SOLE   565 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 12 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 225 3,368 SH   SOLE   3,368 0 0
DOMINION RESOURCES UTILITIES 25746U109 42 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 3 25 SH   SOLE   25 0 0
DOW CHEMICAL MATERIALS 260543103 64 1,253 SH   SOLE   1,253 0 0
DR. PEPPER SNAPPLE GROUP, INC CONSUMER DISCRETIONARY 26138E109 3 40 SH   SOLE   40 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 166 2,590 SH   SOLE   2,590 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 94 1,470 SH   DFND   70 1,400 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 47 664 SH   SOLE   664 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 14 117 SH   SOLE   117 0 0
EMC CORP INFORMATION TECHNOLOGY 268648102 204 7,726 SH   SOLE   7,726 0 0
EOG RESOURCES INC ENERGY 26875P101 67 765 SH   SOLE   765 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 32 530 SH   SOLE   530 0 0
ECOLAB INC. MATERIALS 278865100 17 150 SH   SOLE   150 0 0
ECOLAB INC. MATERIALS 278865100 1 10 SH   DFND   10 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 247 4,460 SH   SOLE   4,460 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 276 4,975 SH   DFND   1,450 3,525 0
ENCANA CORP FOREIGN EQUITIES 292505104 9 816 SH   SOLE   816 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 159 3,048 SH   SOLE   3,048 0 0
ENTERGY CORPORATION UTILITIES 29364G103 14 200 SH   SOLE   200 0 0
ENTERGY CORPORATION UTILITIES 29364G103 56 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 70 2,356 SH   SOLE   2,356 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 4 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 5 194 SH   SOLE   194 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 24 905 SH   DFND   805 0 100
EXELON CORP UTILITIES 30161N101 34 1,090 SH   DFND   1,090 0 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 363 4,081 SH   SOLE   4,081 0 0
EXXON MOBIL CORP ENERGY 30231G102 2,648 31,822 SH   SOLE   31,785 0 37
EXXON MOBIL CORP ENERGY 30231G102 852 10,240 SH   DFND   2,111 8,129 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 225 2,625 SH   SOLE   2,625 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 123 722 SH   SOLE   722 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 21 125 SH   DFND   125 0 0
FIDELITY NATIONAL INFORMATION SERVICES FINANCIALS 31620M106 6 90 SH   DFND   90 0 0
FLAGSTAR BANCORP, INC FINANCIALS 337930705 4 200 SH   SOLE   200 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 233 15,520 SH   SOLE   15,520 0 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 29 601 SH   SOLE   601 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 2 110 SH   SOLE   110 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 168 33,866 SH   SOLE   33,866 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 0 72 SH   DFND   0 72 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 115 810 SH   SOLE   810 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 142 1,000 SH   DFND   1,000 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,942 73,116 SH   SOLE   73,066 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 511 19,244 SH   DFND   5,669 13,475 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 49 875 SH   SOLE   875 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 156 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 3 30 SH   DFND   30 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 1,382 11,806 SH   SOLE   11,806 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 9 75 SH   DFND   0 75 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 12 750 SH   SOLE   750 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 17 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 434 2,080 SH   SOLE   2,080 0 0
GOOGLE INC - A INFORMATION TECHNOLOGY 38259P508 549 1,017 SH   SOLE   1,014 0 3
W.W. GRAINGER INDUSTRIALS 384802104 5 23 SH   SOLE   23 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 3 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 27 607 SH   SOLE   607 0 0
HAIN CELESTIAL GROUP INC CONSUMER STAPLES 405217100 15 230 SH   SOLE   230 0 0
HALLIBURTON COMPANY ENERGY 406216101 24 555 SH   SOLE   555 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 30 535 SH   SOLE   535 0 0
HARMAN INTERNATIONAL INFORMATION TECHNOLOGY 413086109 4 35 SH   SOLE   35 0 0
HARSCO CORP INDUSTRIALS 415864107 17 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 120 1,705 SH   SOLE   1,705 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 17 195 SH   SOLE   195 0 0
HEWLETT PACKARD CO INFORMATION TECHNOLOGY 428236103 3 95 SH   SOLE   70 0 25
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 881 7,930 SH   SOLE   7,930 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 366 3,290 SH   DFND   1,050 2,240 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 57 560 SH   SOLE   560 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 597 6,501 SH   SOLE   6,501 0 0
INGREDION INC CONSUMER STAPLES 457187102 26 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,745 57,392 SH   SOLE   57,327 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 346 11,385 SH   DFND   6,610 4,775 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 7 175 SH   SOLE   175 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,655 10,176 SH   SOLE   10,176 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 291 1,790 SH   DFND   500 1,290 0
INTERNATIONAL PAPER CO MATERIALS 460146103 78 1,640 SH   SOLE   1,605 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 4 90 SH   DFND   90 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 8 514 SH   SOLE   514 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 21 990 SH   SOLE   990 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 6 300 SH   DFND   300 0 0
ISHARES MSCI BRAZIL CAPPED ETF MUTUAL FUND 464286400 7 210 SH   SOLE   210 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 34 1,260 SH   SOLE   1,260 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 28 2,230 SH   SOLE   2,230 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 7 530 SH   DFND   530 0 0
ISHARES MSCI TAIWAN ETF MUTUAL FUND 464286731 14 909 SH   SOLE   909 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 18 790 SH   SOLE   790 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,177 12,961 SH   SOLE   12,961 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 68 750 SH   DFND   750 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 138 1,830 SH   SOLE   1,830 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 7,264 64,827 SH   SOLE   64,342 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 960 8,570 SH   DFND   7,085 1,485 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 5 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 908 8,349 SH   SOLE   8,349 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 1,180 18,587 SH   SOLE   18,500 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 17 270 SH   DFND   0 270 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 185 1,795 SH   SOLE   1,795 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 204 2,065 SH   SOLE   2,065 0 0
ISHARES RUSSELL 2000 GROWTH ETF MUTUAL FUND 464287648 548 3,545 SH   SOLE   3,545 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,648 22,463 SH   SOLE   22,423 0 40
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 83 705 SH   DFND   525 180 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,422 20,982 SH   SOLE   20,957 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 138 2,030 SH   DFND   830 1,200 0
JARDEN CORPORATION CONSUMER STAPLES 471109108 1 19 SH   SOLE   19 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,238 33,223 SH   SOLE   33,193 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 686 7,040 SH   DFND   2,585 4,455 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 23 458 SH   SOLE   458 0 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 16 315 SH   DFND   315 0 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 34 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 13 200 SH   DFND   200 0 0
KEURIG GREEN MOUNTAIN INC CONSUMER DISCRETIONARY 49271M100 13 175 SH   SOLE   175 0 0
KEYCORP NEW COM FINANCIALS 493267108 8 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 158 1,487 SH   SOLE   1,487 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 117 1,100 SH   DFND   1,000 100 0
KINDER MORGAN INC. ENERGY 49456B101 51 1,320 SH   SOLE   1,320 0 0
KOHLS CONSUMER DISCRETIONARY 500255104 5 80 SH   DFND   80 0 0
KRAFT FOODS GROUP INC CONSUMER STAPLES 50076Q106 78 911 SH   SOLE   911 0 0
KRAFT FOODS GROUP INC CONSUMER STAPLES 50076Q106 28 333 SH   DFND   0 333 0
KROGER COMPANY CONSUMER STAPLES 501044101 40 545 SH   SOLE   545 0 0
LAS VEGAS SANDS CORP CONSUMER DISCRETIONARY 517834107 1 20 SH   DFND   20 0 0
LEGACY RESERVES ENERGY 524707304 2 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 10 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 360 4,312 SH   SOLE   4,312 0 0
ELI LILLY & CO HEALTHCARE 532457108 358 4,290 SH   DFND   4,290 0 0
LIONS GATE ENTERTAINMENT CORP INFORMATION TECHNOLOGY 535919203 4 110 SH   SOLE   110 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 5 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 631 3,395 SH   SOLE   3,395 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 240 1,290 SH   DFND   990 300 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 654 9,770 SH   SOLE   9,695 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 73 1,090 SH   DFND   940 150 0
MARATHON OIL CORPORATION ENERGY 565849106 4 165 SH   SOLE   165 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 4 5 SH   SOLE   5 0 0
MARKET VECTORS AGRIBUSINESS EXCHANGE TRADED FD MUTUAL FUND 57060U605 5 85 SH   SOLE   85 0 0
MARKWEST ENERGY PARTNERS LP ENERGY 570759100 8 150 SH   SOLE   150 0 0
MARSH & MCLENNAN CO FINANCIALS 571748102 6 110 SH   DFND   110 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 28 300 SH   SOLE   300 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 13 165 SH   SOLE   165 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 57 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,142 12,016 SH   SOLE   12,001 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 438 4,602 SH   DFND   2,050 2,552 0
MCGRAW HILL FINANCIAL, INC CONSUMER DISCRETIONARY 580645109 57 565 SH   SOLE   565 0 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 206 915 SH   SOLE   915 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 487 8,553 SH   SOLE   8,553 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 120 2,100 SH   DFND   1,500 600 0
METLIFE INC FINANCIALS 59156R108 681 12,160 SH   SOLE   12,130 0 30
METLIFE INC FINANCIALS 59156R108 4 80 SH   DFND   80 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,073 24,298 SH   SOLE   24,298 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 234 5,290 SH   DFND   3,190 2,100 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 49 1,186 SH   SOLE   1,186 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 41 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 17 160 SH   SOLE   160 0 0
MORGAN STANLEY FINANCIALS 617446448 52 1,340 SH   SOLE   1,340 0 0
MORGAN STANLEY FINANCIALS 617446448 5 130 SH   DFND   130 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 10 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 2 50 SH   SOLE   50 0 0
NATIONAL FUEL GAS CO. NJ UTILITIES 636180101 2 39 SH   SOLE   39 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 6 100 SH   DFND   0 100 0
NATIONAL-OILWELL VARCO INC ENERGY 637071101 7 140 SH   SOLE   140 0 0
NATIONAL-OILWELL VARCO INC ENERGY 637071101 3 70 SH   DFND   70 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 3 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 11 17 SH   SOLE   17 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 25 912 SH   SOLE   912 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 884 9,023 SH   SOLE   9,023 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 259 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 270 2,500 SH   SOLE   2,500 0 0
NOBLE ENERGY INC. ENERGY 655044105 13 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 4 45 SH   SOLE   45 0 0
NORTHERN TRUST CORP FINANCIALS 665859104 5 70 SH   DFND   70 0 0
NUCOR MATERIALS 670346105 38 865 SH   SOLE   865 0 0
NUCOR MATERIALS 670346105 62 1,400 SH   DFND   800 600 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 38 493 SH   SOLE   493 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 5 60 SH   DFND   60 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 495 12,290 SH   SOLE   12,290 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 7 180 SH   DFND   180 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 12 130 SH   SOLE   130 0 0
PPG INDUSTRIES MATERIALS 693506107 32 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 10 325 SH   SOLE   325 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 11 65 SH   SOLE   65 0 0
J C PENNEY INC CONSUMER DISCRETIONARY 708160106 4 500 SH   SOLE   500 0 0
PEPCO HOLDINGS INC. ENERGY 713291102 25 933 SH   SOLE   933 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,468 26,440 SH   SOLE   26,405 0 35
PEPSICO INC CONSUMER STAPLES 713448108 402 4,305 SH   DFND   1,845 2,460 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 18 340 SH   SOLE   340 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 408 12,176 SH   SOLE   12,176 0 0
PFIZER INC HEALTHCARE 717081103 266 7,926 SH   DFND   5,750 2,176 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 85 1,058 SH   SOLE   1,058 0 0
PHILLIPS 66 ENERGY 718546104 916 11,372 SH   SOLE   11,372 0 0
PHILLIPS 66 ENERGY 718546104 123 1,522 SH   DFND   1,180 342 0
PIEDMONT NATURAL GAS COMPANY ENERGY 720186105 9 250 SH   SOLE   250 0 0
PIMCO CORPORATE INCOME FUND MUTUAL FUND 72200U100 7 500 SH   SOLE   500 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 59 1,350 SH   SOLE   1,350 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 0 110 SH   SOLE   110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 3 50 SH   SOLE   50 0 0
POWERSHARES QQQ MUTUAL FUND 73935A104 3 25 SH   SOLE   25 0 0
ETF POWERSHARES CLEANTECH PORTFOLIO MUTUAL FUND 73935X278 3 100 SH   SOLE   100 0 0
ETF POWERSHARES GLOBAL CLEANENERGY MUTUAL FUND 73936T615 3 200 SH   SOLE   200 0 0
PRAXAIR MATERIALS 74005P104 186 1,556 SH   SOLE   1,556 0 0
PRAXAIR MATERIALS 74005P104 206 1,725 SH   DFND   825 900 0
PRECISION CASTPARTS CORP. INDUSTRIALS 740189105 12 60 SH   SOLE   60 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 38 490 SH   SOLE   490 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 6 5 SH   SOLE   5 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,476 31,642 SH   SOLE   31,607 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 569 7,272 SH   DFND   2,915 4,357 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 52 596 SH   SOLE   596 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 85 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,292 20,627 SH   SOLE   20,597 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 59 950 SH   DFND   665 285 0
RPM INTERNATIONAL, INC. MATERIALS 749685103 3 65 SH   SOLE   65 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 10 100 SH   SOLE   100 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 48 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 59 115 SH   SOLE   115 0 0
RESTORATION HARDWARE HOLDING CONSUMER STAPLES 761283100 4 40 SH   SOLE   40 0 0
ROCKWELL COLLINS INC TELECOM. SERVICES 774341101 6 60 SH   SOLE   60 0 0
ROSS STORES INC CONSUMER DISCRETIONARY 778296103 49 1,000 SH   SOLE   1,000 0 0
ROYAL DUTCH SHELL PLC ADR FOREIGN EQUITIES 780259206 6 110 SH   SOLE   110 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 26 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 13,712 66,614 SH   SOLE   66,614 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 145 705 SH   DFND   705 0 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 279 2,483 SH   SOLE   2,483 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF FIXED INCOME 78464A417 514 13,388 SH   SOLE   13,388 0 0
ETF SPDR S&P BIOTECH EXCHANGE TRADED FUNDS 78464A870 6 25 SH   SOLE   25 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 6,855 25,092 SH   SOLE   25,035 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 102 375 SH   DFND   215 160 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 7 95 SH   SOLE   95 0 0
SANOFI-AVENTIS HEALTHCARE 80105N113 0 35 SH   SOLE   35 0 0
SCHLUMBERGER LTD ENERGY 806857108 440 5,108 SH   SOLE   5,093 0 15
SCHLUMBERGER LTD ENERGY 806857108 60 700 SH   DFND   0 700 0
MATERIAL SELECT SECTOR SPDR TRUST MUTUAL FUND 81369Y100 7 150 SH   SOLE   150 0 0
HEALTH CARE SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y209 131 1,765 SH   SOLE   1,765 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y308 5 100 SH   SOLE   100 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND MUTUAL FUND 81369Y407 38 500 SH   SOLE   500 0 0
ENERGY SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y506 262 3,486 SH   SOLE   3,486 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 185 7,585 SH   SOLE   7,585 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 11 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y704 11 200 SH   SOLE   200 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 222 5,365 SH   SOLE   5,365 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 19 450 SH   DFND   0 450 0
AMEX UTILITIES SELECT INDEX SHS BEN INT MUTUAL FUND 81369Y886 34 815 SH   SOLE   815 0 0
SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 4 15 SH   SOLE   15 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 83 482 SH   SOLE   482 0 0
SKYWORKS SOLUTIONS, INC. INFORMATION TECHNOLOGY 83088M102 6 60 SH   SOLE   60 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 53 489 SH   SOLE   489 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 106 981 SH   DFND   30 951 0
SOUTHERN CO UTILITIES 842587107 517 12,339 SH   SOLE   12,339 0 0
SOUTHERN CO UTILITIES 842587107 176 4,195 SH   DFND   2,850 1,345 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 17 500 SH   SOLE   500 0 0
SOUTHWEST GAS CORP ENERGY 844895102 8 150 SH   SOLE   150 0 0
SPECTRA ENERGY CORPORATION ENERGY 847560109 65 1,995 SH   SOLE   1,995 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 72 4,735 SH   SOLE   4,735 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 31 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 281 5,250 SH   SOLE   5,250 0 0
STATE STREET CORP. COM FINANCIALS 857477103 10 130 SH   SOLE   130 0 0
STRYKER CORP HEALTHCARE 863667101 743 7,772 SH   SOLE   7,740 0 32
STRYKER CORP HEALTHCARE 863667101 36 380 SH   DFND   270 110 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 8 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 46 695 SH   SOLE   695 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 6 90 SH   DFND   90 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 595 7,295 SH   SOLE   7,253 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 114 1,400 SH   DFND   670 730 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 2 67 SH   SOLE   67 0 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 13 50 SH   SOLE   50 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 21 358 SH   SOLE   358 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 28 535 SH   SOLE   535 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 7 130 SH   DFND   130 0 0
TEXAS ROADHOUSE INC CONSUMER DISCRETIONARY 882681109 5 125 SH   SOLE   125 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 365 2,365 SH   SOLE   2,365 0 0
3M CO COM INDUSTRIALS 88579Y101 234 1,515 SH   DFND   1,000 515 0
TIFFANY & CO CONSUMER DISCRETIONARY 886547108 3 36 SH   SOLE   36 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 59 680 SH   SOLE   680 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 7 80 SH   DFND   80 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 43 1,013 SH   SOLE   1,013 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 78 810 SH   SOLE   810 0 0
TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 3 35 SH   SOLE   35 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 18 2,570 SH   SOLE   2,570 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 14 2,000 SH   DFND   0 2,000 0
TWENTY-FIRST CENTURY FOX-A CONSUMER DISCRETIONARY 90130A101 7 215 SH   SOLE   215 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 164 3,790 SH   SOLE   3,790 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 82 980 SH   SOLE   980 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 86 2,000 SH   SOLE   2,000 0 0
UNION PACIFIC CORP INDUSTRIALS 907818108 83 875 SH   SOLE   875 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 52 535 SH   SOLE   535 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,588 23,329 SH   SOLE   23,297 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 375 3,380 SH   DFND   2,170 1,210 0
UNITED HEALTHCARE GROUP INC HEALTHCARE 91324P102 93 760 SH   SOLE   760 0 0
UNITED HEALTHCARE GROUP INC HEALTHCARE 91324P102 9 70 SH   DFND   70 0 0
VALERO ENERGY NEW ENERGY 91913Y100 24 385 SH   SOLE   385 0 0
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VANGUARD MSCI EMERGING MARKETS ETF MUTUAL FUND 922042858 42 1,035 SH   DFND   910 125 0
ETF VANGUARD RUSSELL 3000 MUTUAL FUND 92206C599 5,647 58,980 SH   SOLE   58,980 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND 922908769 24 225 SH   SOLE   225 0 0
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 1,839 39,466 SH   SOLE   39,384 0 82
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 341 7,325 SH   DFND   4,174 3,151 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 14 110 SH   SOLE   110 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 102 1,520 SH   SOLE   1,520 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 8 120 SH   DFND   120 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 9 100 SH   SOLE   100 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 420 5,920 SH   SOLE   5,920 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 135 1,900 SH   DFND   1,500 400 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 739 15,948 SH   SOLE   15,948 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 143 3,080 SH   DFND   1,305 1,775 0
WELLS FARGO & CO NEW FINANCIALS 949746101 119 2,121 SH   SOLE   2,121 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 70 1,250 SH   DFND   700 550 0
WESTERN GAS PARTNERS LP ENERGY 958254104 40 635 SH   SOLE   635 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 21 120 SH   SOLE   120 0 0
WHOLE FOOD MARKET INC. CONSUMER STAPLES 966837106 73 1,850 SH   SOLE   1,850 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 11 200 SH   SOLE   200 0 0
WISCONSIN ENERGY CORPORATION ENERGY 976657106 5 100 SH   DFND   100 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 7 300 SH   SOLE   300 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 232 4,840 SH   SOLE   4,840 0 0
WYNN RESORTS, LIMITED CONSUMER DISCRETIONARY 983134107 5 50 SH   SOLE   50 0 0
XOOM CORP FINANCIALS 98419Q101 3 120 SH   SOLE   120 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YAHOO INC INFORMATION TECHNOLOGY 984332106 10 245 SH   SOLE   245 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 67 748 SH   SOLE   748 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 54 600 SH   DFND   0 600 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 11 100 SH   SOLE   100 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 55 500 SH   DFND   0 500 0