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
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 473 3,945 SH   SOLE   3,945 0 0
EATON CORP PLC INDUSTRIALS G29183103 2 29 SH   SOLE   29 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 5 100 SH   SOLE   100 0 0
GARMIN LTD INFORMATION TECHNOLOGY H2906T109 2 48 SH   SOLE   48 0 0
CHECK POINT SOFTWARE TECHONOLOGIES LTD INFORMATION TECHNOLOGY M22465104 6 60 SH   DFND   60 0 0
STRATASYS LTD TELECOM. SERVICES M85548101 0 15 SH   SOLE   15 0 0
AFLAC INC. FINANCIALS 001055102 52 715 SH   SOLE   715 0 0
AFLAC INC. FINANCIALS 001055102 31 425 SH   DFND   300 125 0
AT&T INC. TELECOM. SERVICES 00206R102 2,232 53,731 SH   SOLE   53,671 0 60
AT&T INC. TELECOM. SERVICES 00206R102 428 10,306 SH   DFND   5,011 5,295 0
AARON'S INC CONSUMER DISCRETIONARY 002535300 1 50 SH   SOLE   50 0 0
ABBOTT LABS HEALTHCARE 002824100 204 4,594 SH   SOLE   4,594 0 0
ABBOTT LABS HEALTHCARE 002824100 136 3,065 SH   DFND   1,370 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 456 6,995 SH   SOLE   6,995 0 0
ABBVIE INC. HEALTHCARE 00287Y109 198 3,035 SH   DFND   1,340 1,695 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 98 1,960 SH   SOLE   1,960 0 0
ADAMS NATURAL RESOURCES FUND MUTUAL FUND 00548F105 0 6 SH   SOLE   6 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 54 414 SH   SOLE   414 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 306 2,398 SH   SOLE   2,398 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 28 305 SH   SOLE   305 0 0
ALCOA CORP MATERIALS 013872106 4 119 SH   SOLE   119 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 24 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 219 3,066 SH   SOLE   3,066 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 1,911 2,156 SH   SOLE   2,156 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 9 10 SH   DFND   10 0 0
AMERICAN EAGLE OUTFITTERS INC NEW CONSUMER DISCRETIONARY 02553E106 1 104 SH   SOLE   104 0 0
AMERICAN ELEC PWR INC UTILITIES 025537101 2 35 SH   SOLE   35 0 0
AMERICAN EXPRESS FINANCIALS 025816109 296 3,742 SH   SOLE   3,705 0 37
AMERICAN EXPRESS FINANCIALS 025816109 30 385 SH   DFND   285 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 35 565 SH   SOLE   565 0 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 7 110 SH   DFND   110 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 418 3,443 SH   SOLE   3,443 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 241 1,470 SH   SOLE   1,470 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 33 525 SH   SOLE   525 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 11 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,381 23,537 SH   SOLE   23,537 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 161 1,120 SH   DFND   730 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 140 3,610 SH   SOLE   3,610 0 0
AQUA AMERICA INC UTILITIES 03836W103 642 19,965 SH   SOLE   19,965 0 0
AQUA AMERICA INC UTILITIES 03836W103 28 875 SH   DFND   0 875 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 82 2,426 SH   SOLE   2,426 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 9 290 SH   SOLE   290 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 39 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 761 7,433 SH   SOLE   7,433 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 283 2,760 SH   DFND   1,460 1,300 0
BHP BILLITON PLC-ADR MATERIALS 05545E209 2 73 SH   SOLE   73 0 0
BP P.L.C. ENERGY 055622104 64 1,866 SH   SOLE   1,866 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 3 15 SH   SOLE   15 0 0
BAKER HUGHES INC ENERGY 057224107 20 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 4 60 SH   SOLE   60 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 129 5,479 SH   SOLE   5,420 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 11 478 SH   DFND   0 478 0
BANK MONTREAL QUE COM FINANCIALS 063671101 4 52 SH   SOLE   52 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 91 1,920 SH   SOLE   1,920 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 11 1,925 SH   SOLE   1,925 0 0
BARCLAYS PLC FOREIGN EQUITIES 06738E204 4 375 SH   SOLE   375 0 0
BARRICK GOLD CORP MATERIALS 067901108 7 360 SH   SOLE   360 0 0
BARRICK GOLD CORP MATERIALS 067901108 13 685 SH   DFND   0 685 0
BECTON DICKINSON & CO HEALTHCARE 075887109 364 1,985 SH   SOLE   1,970 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 46 250 SH   DFND   0 250 0
BED BATH & BEYOND CONSUMER DISCRETIONARY 075896100 2 42 SH   SOLE   42 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,106 6,636 SH   SOLE   6,636 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 20 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 27 98 SH   SOLE   98 0 0
BLACKROCK INC FINANCIALS 09247X101 159 415 SH   SOLE   415 0 0
BLACKROCK INC FINANCIALS 09247X101 13 35 SH   DFND   20 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 134 4,511 SH   SOLE   4,511 0 0
BOEING INDUSTRIALS 097023105 630 3,561 SH   SOLE   3,536 0 25
BOEING INDUSTRIALS 097023105 189 1,070 SH   DFND   555 515 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,253 23,034 SH   SOLE   23,034 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 396 7,290 SH   DFND   4,000 3,290 0
BROWN-FORMAN CORP-CLASS B CONSUMER STAPLES 115637209 2 54 SH   SOLE   54 0 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 87 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 8 100 SH   SOLE   100 0 0
CSX CORPORATION INDUSTRIALS 126408103 237 5,085 SH   SOLE   5,085 0 0
CSX CORPORATION INDUSTRIALS 126408103 98 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,109 14,128 SH   SOLE   14,128 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 48 610 SH   DFND   60 550 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 124 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 44 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 15 175 SH   SOLE   175 0 0
CARDINAL HEALTH INC HEALTHCARE 14149Y108 12 150 SH   SOLE   150 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 8 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 914 9,852 SH   SOLE   9,827 0 25
CATERPILLAR INC INDUSTRIALS 149123101 249 2,685 SH   DFND   1,985 700 0
CELGENE CORP HEALTHCARE 151020104 765 6,152 SH   SOLE   6,152 0 0
CELGENE CORP HEALTHCARE 151020104 23 185 SH   DFND   70 115 0
CENOVUS ENERGY INC. ENERGY 15135U109 8 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 33 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 193 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 21 886 SH   SOLE   886 0 0
CHEVRON CORPORATION ENERGY 166764100 1,351 12,580 SH   SOLE   12,580 0 0
CHEVRON CORPORATION ENERGY 166764100 249 2,318 SH   DFND   1,395 923 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 947 28,031 SH   SOLE   27,966 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 60 1,775 SH   DFND   0 1,775 0
CITIGROUP INC. FINANCIALS 172967424 12 193 SH   SOLE   193 0 0
CITRIX SYSTEMS INC. INFORMATION TECHNOLOGY 177376100 6 70 SH   DFND   70 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 54 400 SH   SOLE   400 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 27 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 6 145 SH   SOLE   145 0 0
COCA COLA CO CONSUMER STAPLES 191216100 973 22,929 SH   SOLE   22,929 0 0
COCA COLA CO CONSUMER STAPLES 191216100 321 7,565 SH   DFND   4,080 3,485 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 12 200 SH   SOLE   200 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 898 12,274 SH   SOLE   12,274 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 220 3,010 SH   DFND   2,550 460 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 105 2,800 SH   SOLE   2,800 0 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 4 100 SH   DFND   100 0 0
CONOCOPHILLIPS ENERGY 20825C104 713 14,294 SH   SOLE   14,294 0 0
CONOCOPHILLIPS ENERGY 20825C104 146 2,925 SH   DFND   2,190 735 0
CONSOLIDATED EDISON INC UTILITIES 209115104 142 1,823 SH   SOLE   1,823 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 88 3,270 SH   SOLE   3,200 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 348 2,074 SH   SOLE   2,074 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 20 125 SH   SOLE   125 0 0
CUMMINS INC INDUSTRIALS 231021106 133 882 SH   SOLE   882 0 0
CUMMINS INC INDUSTRIALS 231021106 17 110 SH   DFND   110 0 0
DTE ENERGY CO UTILITIES 233331107 27 265 SH   SOLE   265 0 0
DANAHER CORP INDUSTRIALS 235851102 215 2,511 SH   SOLE   2,511 0 0
DANAHER CORP INDUSTRIALS 235851102 54 635 SH   DFND   460 175 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 211 1,940 SH   SOLE   1,940 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 23 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 15 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 52 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 23 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,780 15,697 SH   SOLE   15,672 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 153 1,353 SH   DFND   0 1,353 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 23 333 SH   SOLE   333 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 10 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 220 2,838 SH   SOLE   2,838 0 0
DOMINION RESOURCES UTILITIES 25746U109 49 635 SH   DFND   635 0 0
DOW CHEMICAL MATERIALS 260543103 147 2,313 SH   SOLE   2,313 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 230 2,864 SH   SOLE   2,864 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 118 1,470 SH   DFND   70 1,400 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 95 1,163 SH   SOLE   1,163 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 13 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 24 245 SH   SOLE   245 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 37 1,097 SH   SOLE   1,097 0 0
ECOLAB INC. MATERIALS 278865100 39 308 SH   SOLE   308 0 0
EDWARD LIFESCIENCES CORP HEALTHCARE 28176E108 2 24 SH   SOLE   24 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 6 66 SH   SOLE   66 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 190 3,175 SH   SOLE   3,175 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 291 4,855 SH   DFND   1,450 3,405 0
ENBRIDGE INC ENERGY 29250N105 13 315 SH   SOLE   315 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 10 816 SH   SOLE   816 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 124 3,392 SH   SOLE   3,392 0 0
ENTERGY CORPORATION UTILITIES 29364G103 61 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 65 2,356 SH   SOLE   2,356 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 36 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 3 143 SH   DFND   43 0 100
EXELON CORP UTILITIES 30161N101 39 1,090 SH   DFND   1,090 0 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 260 3,946 SH   SOLE   3,946 0 0
EXXON MOBIL CORP ENERGY 30231G102 2,530 30,855 SH   SOLE   30,818 0 37
EXXON MOBIL CORP ENERGY 30231G102 851 10,382 SH   DFND   2,308 8,074 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,027 7,228 SH   SOLE   7,228 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 10 70 SH   DFND   70 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 105 537 SH   SOLE   537 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 24 125 SH   DFND   125 0 0
FIDELITY NATIONAL INFORMATION SERVICES FINANCIALS 31620M106 7 90 SH   DFND   90 0 0
FIRST AMERICAN FINANCIAL CORP FINANCIALS 31847R102 2 51 SH   SOLE   51 0 0
FIRSTENERGY CORP UTILITIES 337932107 13 408 SH   SOLE   408 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 180 15,440 SH   SOLE   15,440 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 3 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 19 317 SH   DFND   230 87 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 6 150 SH   SOLE   150 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 62 29,235 SH   SOLE   29,235 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 0 72 SH   DFND   0 72 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 154 825 SH   SOLE   825 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,879 63,092 SH   SOLE   63,042 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 564 18,924 SH   DFND   5,669 13,155 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 62 1,045 SH   SOLE   1,045 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 165 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 16 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 567 8,346 SH   SOLE   8,346 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 10 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 17 815 SH   SOLE   815 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 6 150 SH   SOLE   150 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 17 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 291 1,265 SH   SOLE   1,265 0 0
GRANITE CONSTRUCTION INC INDUSTRIALS 387328107 1 25 SH   SOLE   25 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 3 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 25 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 37 755 SH   SOLE   755 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 32 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 13 1,000 SH   DFND   1,000 0 0
HASBRO INC CONSUMER DISCRETIONARY 418056107 1 15 SH   SOLE   15 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 92 1,385 SH   SOLE   1,385 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,094 7,450 SH   SOLE   7,450 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 463 3,155 SH   DFND   1,050 2,105 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 102 820 SH   SOLE   820 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 272 2,052 SH   SOLE   2,052 0 0
INGREDION INC CONSUMER STAPLES 457187102 39 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,815 50,325 SH   SOLE   50,260 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 407 11,295 SH   DFND   6,610 4,685 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 9 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,390 7,982 SH   SOLE   7,982 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 303 1,742 SH   DFND   500 1,242 0
INTERNATIONAL PAPER CO MATERIALS 460146103 73 1,433 SH   SOLE   1,398 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 5 90 SH   DFND   90 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 3 150 SH   SOLE   150 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 2 100 SH   SOLE   100 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 3 100 SH   SOLE   100 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 2 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,065 10,170 SH   SOLE   10,170 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 99 1,090 SH   SOLE   1,090 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,916 60,319 SH   SOLE   59,834 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 903 7,877 SH   DFND   6,085 1,792 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 4 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 1,090 10,049 SH   SOLE   10,049 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 56 450 SH   SOLE   450 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 10 77 SH   SOLE   77 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 902 14,487 SH   SOLE   14,400 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 29 470 SH   DFND   0 470 0
ISHARES RUSSELL MIDCAP VALUE INDEX FUND Exchange Traded Funds - Equity 464287473 7 89 SH   SOLE   89 0 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 80 426 SH   SOLE   426 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF Exchange Traded Funds - Equity 464287556 67 228 SH   SOLE   228 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 179 1,576 SH   SOLE   1,576 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 510 3,155 SH   SOLE   3,155 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 124 903 SH   SOLE   903 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,770 40,051 SH   SOLE   39,971 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 47 673 SH   DFND   0 673 0
ISHARES MSCI KLD 400 SOCIAL FIXED INCOME 464288570 9 100 SH   SOLE   100 0 0
ISHARES MSCI USA ESG SELECT FIXED INCOME 464288802 10 100 SH   SOLE   100 0 0
ISHARES MSCI SINGAPORE CAPPED ETF Exchange Traded Funds - Equity 46434G780 17 730 SH   SOLE   730 0 0
ISHARES MSCI SINGAPORE CAPPED ETF Exchange Traded Funds - Equity 46434G780 6 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,661 18,905 SH   SOLE   18,880 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 169 1,925 SH   DFND   830 1,095 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,656 29,353 SH   SOLE   29,323 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 833 6,685 SH   DFND   2,585 4,100 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 28 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 15 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 10 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 226 1,718 SH   SOLE   1,718 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 141 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 2 100 SH   SOLE   100 0 0
ESTEE LAUDER COMPANIES-CL A CONSUMER STAPLES 518439104 3 31 SH   SOLE   31 0 0
LEGACY RESERVES ENERGY 524707304 0 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 11 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 366 4,352 SH   SOLE   4,352 0 0
ELI LILLY & CO HEALTHCARE 532457108 373 4,435 SH   DFND   4,290 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 8 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 807 3,015 SH   SOLE   3,015 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 345 1,290 SH   DFND   990 300 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 586 7,126 SH   SOLE   7,051 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 77 940 SH   DFND   940 0 0
MPLX LP ENERGY 55336V100 6 163 SH   SOLE   163 0 0
MACY'S INC CONSUMER DISCRETIONARY 55616P104 4 130 SH   SOLE   130 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 7 420 SH   SOLE   420 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 5 5 SH   SOLE   5 0 0
MARTIN MARIETTA MATERIALS INC MATERIALS 573284106 2 10 SH   SOLE   10 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 63 560 SH   SOLE   560 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 26 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 68 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,359 10,486 SH   SOLE   10,471 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 595 4,587 SH   DFND   2,050 2,537 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 62 415 SH   SOLE   415 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 598 9,414 SH   SOLE   9,414 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 122 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 552 10,451 SH   SOLE   10,421 0 30
METLIFE INC FINANCIALS 59156R108 4 80 SH   DFND   80 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,575 23,910 SH   SOLE   23,910 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 337 5,110 SH   DFND   3,190 1,920 0
MIDDLEBY CORP INDUSTRIALS 596278101 2 11 SH   SOLE   11 0 0
MOLSON COORS BREWING CO - B CONSUMER STAPLES 60871R209 8 85 SH   SOLE   85 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 57 1,330 SH   SOLE   1,330 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 43 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 24 215 SH   SOLE   215 0 0
MORGAN STANLEY FINANCIALS 617446448 115 2,694 SH   SOLE   2,694 0 0
MORGAN STANLEY FINANCIALS 617446448 6 130 SH   DFND   130 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 15 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 3 50 SH   SOLE   50 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 2 30 SH   SOLE   30 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 4 70 SH   DFND   0 70 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 4 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 72 485 SH   SOLE   485 0 0
NETSCOUT SYSTEMS INC INFORMATION TECHNOLOGY 64115T104 3 82 SH   SOLE   82 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 36 912 SH   SOLE   912 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 5 116 SH   SOLE   116 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,083 8,437 SH   SOLE   8,437 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 339 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 338 6,060 SH   SOLE   6,060 0 0
NOBLE ENERGY INC. ENERGY 655044105 10 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 5 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 31 130 SH   SOLE   130 0 0
NUCOR MATERIALS 670346105 36 600 SH   SOLE   600 0 0
NUCOR MATERIALS 670346105 84 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 11 105 SH   SOLE   105 0 0
NUVASIVE INC HEALTHCARE 670704105 1 19 SH   SOLE   19 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 59 924 SH   SOLE   924 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 4 60 SH   DFND   60 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 180 4,037 SH   SOLE   4,037 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 16 350 SH   DFND   180 170 0
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 3,345 94,235 SH   SOLE   92,911 0 1,324
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 6 176 SH   DFND   139 37 0
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PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 35 295 SH   SOLE   295 0 0
PPG INDUSTRIES MATERIALS 693506107 29 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 20 535 SH   SOLE   535 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,598 23,222 SH   SOLE   23,187 0 35
PEPSICO INC CONSUMER STAPLES 713448108 483 4,320 SH   DFND   1,845 2,475 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 11 190 SH   SOLE   190 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 502 14,678 SH   SOLE   14,678 0 0
PFIZER INC HEALTHCARE 717081103 271 7,926 SH   DFND   5,750 2,176 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 169 1,493 SH   SOLE   1,493 0 0
PHILLIPS 66 ENERGY 718546104 639 8,070 SH   SOLE   8,070 0 0
PHILLIPS 66 ENERGY 718546104 111 1,407 SH   DFND   1,095 312 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 43 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 4 50 SH   SOLE   50 0 0
POWERSHARES QQQ MUTUAL FUND 73935A104 36 275 SH   SOLE   275 0 0
PRAXAIR MATERIALS 74005P104 186 1,566 SH   SOLE   1,566 0 0
PRAXAIR MATERIALS 74005P104 205 1,725 SH   DFND   825 900 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 11 800 SH   SOLE   800 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 24 347 SH   SOLE   347 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 12 7 SH   SOLE   7 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,479 27,589 SH   SOLE   27,554 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 670 7,452 SH   DFND   2,915 4,537 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 121 1,133 SH   SOLE   1,133 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 96 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 618 10,773 SH   SOLE   10,743 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 59 1,025 SH   DFND   665 360 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 46 303 SH   SOLE   303 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 76 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 45 115 SH   SOLE   115 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 16 300 SH   SOLE   300 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 23 300 SH   SOLE   300 0 0
GUGGENHEIM S&P 500 EQ WGT STAPLES ETF Exchange Traded Funds - Equity 78355W874 75 605 SH   SOLE   605 0 0
SL GREEN REALTY CORP REAL ESTATE 78440X101 2 23 SH   SOLE   23 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 17,259 73,213 SH   SOLE   73,213 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 271 1,150 SH   DFND   705 445 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 178 1,499 SH   SOLE   1,499 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 409 5,895 SH   SOLE   5,895 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 92 295 SH   DFND   0 295 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 27 325 SH   SOLE   325 0 0
SCHLUMBERGER LTD ENERGY 806857108 450 5,765 SH   SOLE   5,750 0 15
SCHLUMBERGER LTD ENERGY 806857108 58 742 SH   DFND   42 700 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 15 360 SH   SOLE   360 0 0
SCHWAB US BROAD MARKET ETF Exchange Traded Funds - Equity 808524102 3 53 SH   SOLE   53 0 0
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SCHWAB US LARGE CAP VALUE ETF Exchange Traded Funds - Equity 808524409 0 10 SH   SOLE   10 0 0
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HEALTH CARE SELECT SECTOR SPDR FUND HEALTHCARE 81369Y209 77 1,030 SH   SOLE   1,030 0 0
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CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND CONSUMER DISCRETIONARY 81369Y407 44 500 SH   SOLE   500 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 231 3,301 SH   SOLE   3,301 0 0
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FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 11 450 SH   DFND   450 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 271 5,090 SH   SOLE   5,090 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 24 450 SH   DFND   0 450 0
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SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 5 15 SH   SOLE   15 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 167 972 SH   SOLE   972 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 107 814 SH   SOLE   814 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 125 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 105 624 SH   SOLE   624 0 0
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SOUTHERN CO UTILITIES 842587107 207 4,165 SH   DFND   2,850 1,315 0
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SOUTHWEST GAS CORP ENERGY 844895102 12 150 SH   SOLE   150 0 0
SPIRIT AIRLINES INC INDUSTRIALS 848577102 2 37 SH   SOLE   37 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 22 2,549 SH   SOLE   2,549 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 18 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 395 6,767 SH   SOLE   6,767 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 5 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 4 120 SH   SOLE   120 0 0
STRYKER CORP HEALTHCARE 863667101 736 5,592 SH   SOLE   5,560 0 32
STRYKER CORP HEALTHCARE 863667101 50 380 SH   DFND   270 110 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 14 268 SH   SOLE   268 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 26 335 SH   SOLE   335 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 7 90 SH   DFND   90 0 0
T-MOBILE US INC TELECOM. SERVICES 872590104 3 40 SH   SOLE   40 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 3 55 SH   SOLE   55 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 267 4,840 SH   SOLE   4,798 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 77 1,400 SH   DFND   670 730 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 53 192 SH   SOLE   192 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 10 324 SH   SOLE   324 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 43 535 SH   SOLE   535 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 8 100 SH   DFND   100 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 358 1,869 SH   SOLE   1,869 0 0
3M CO COM INDUSTRIALS 88579Y101 290 1,515 SH   DFND   1,000 515 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 90 920 SH   SOLE   920 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 8 80 SH   DFND   80 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 51 1,013 SH   SOLE   1,013 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 12 115 SH   SOLE   115 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 105 875 SH   SOLE   875 0 0
TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 3 70 SH   SOLE   70 0 0
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TRUSTCO BK CORP N Y COM FINANCIALS 898349105 11 1,400 SH   DFND   0 1,400 0
US BANCORP DEL COM NEW FINANCIALS 902973304 196 3,805 SH   SOLE   3,805 0 0
ULTA SALON COSMETICS & FRAGRANCE, INC. CONSUMER DISCRETIONARY 90384S303 3 9 SH   SOLE   9 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 31 1,570 SH   SOLE   1,570 0 0
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UNION PACIFIC CORP INDUSTRIALS 907818108 81 762 SH   SOLE   762 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 65 610 SH   SOLE   610 0 0
UNITED STATES STEEL CORP INDUSTRIALS 912909108 9 275 SH   SOLE   275 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,309 20,577 SH   SOLE   20,545 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 390 3,480 SH   DFND   2,170 1,310 0
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UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 154 940 SH   SOLE   940 0 0
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VANTIV INC - CL A MATERIALS 92210H105 2 35 SH   SOLE   35 0 0
VAREX IMAGING CORP HEALTHCARE 92214X106 0 8 SH   SOLE   8 0 0
VARIAN MEDICAL SYSTEMS INC HEALTHCARE 92220P105 2 21 SH   SOLE   21 0 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 342 7,007 SH   DFND   3,699 3,308 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 8 90 SH   DFND   90 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 7 75 SH   SOLE   75 0 0
VULCAN MATERIALS COMPANY MATERIALS 929160109 2 20 SH   SOLE   20 0 0
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WAL MART STORES INC CONSUMER STAPLES 931142103 128 1,780 SH   DFND   1,500 280 0
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WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 181 2,485 SH   DFND   880 1,605 0
WELLS FARGO & CO NEW FINANCIALS 949746101 207 3,712 SH   SOLE   3,712 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 51 920 SH   DFND   700 220 0
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WHOLE FOOD MARKET INC. CONSUMER STAPLES 966837106 18 600 SH   SOLE   600 0 0
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YELP INC INFORMATION TECHNOLOGY 985817105 2 75 SH   SOLE   75 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 32 500 SH   SOLE   500 0 0
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