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 576 3,760 SH   SOLE   3,760 0 0
EATON CORP PLC INDUSTRIALS G29183103 8 100 SH   SOLE   100 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 5 100 SH   SOLE   100 0 0
STRATASYS LTD TELECOM. SERVICES M85548101 0 15 SH   SOLE   15 0 0
AFLAC INC. FINANCIALS 001055102 63 715 SH   SOLE   715 0 0
AFLAC INC. FINANCIALS 001055102 37 425 SH   DFND   300 125 0
AT&T INC. TELECOM. SERVICES 00206R102 1,565 40,243 SH   SOLE   40,183 0 60
AT&T INC. TELECOM. SERVICES 00206R102 411 10,571 SH   DFND   5,011 5,560 0
ABBOTT LABS HEALTHCARE 002824100 248 4,349 SH   SOLE   4,349 0 0
ABBOTT LABS HEALTHCARE 002824100 168 2,945 SH   DFND   1,250 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 643 6,650 SH   SOLE   6,650 0 0
ABBVIE INC. HEALTHCARE 00287Y109 296 3,060 SH   DFND   1,250 1,810 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 127 2,010 SH   SOLE   2,010 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 60 340 SH   SOLE   340 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 395 2,188 SH   SOLE   2,188 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 21 285 SH   SOLE   285 0 0
ALCOA CORP MATERIALS 013872106 6 119 SH   SOLE   119 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 2 10 SH   SOLE   10 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 31 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 212 2,966 SH   SOLE   2,966 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 2,103 1,798 SH   SOLE   1,798 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 23 20 SH   DFND   10 10 0
AMBEV SA-ADR CONSUMER STAPLES 02319V103 8 1,300 SH   DFND   0 1,300 0
AMERICAN ELEC PWR INC UTILITIES 025537101 4 50 SH   SOLE   50 0 0
AMERICAN EXPRESS FINANCIALS 025816109 312 3,137 SH   SOLE   3,100 0 37
AMERICAN EXPRESS FINANCIALS 025816109 33 335 SH   DFND   235 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 19 320 SH   SOLE   320 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 458 3,213 SH   SOLE   3,213 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 246 1,415 SH   SOLE   1,415 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 13 235 SH   SOLE   235 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,405 20,122 SH   SOLE   20,102 0 20
APPLE INC INFORMATION TECHNOLOGY 037833100 174 1,030 SH   DFND   640 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 176 3,451 SH   SOLE   3,451 0 0
AQUA AMERICA INC UTILITIES 03836W103 502 12,805 SH   SOLE   12,805 0 0
AQUA AMERICA INC UTILITIES 03836W103 34 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 7 30 SH   SOLE   30 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 85 2,496 SH   SOLE   2,496 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 13 385 SH   SOLE   385 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 47 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 572 4,878 SH   SOLE   4,878 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 309 2,640 SH   DFND   1,460 1,180 0
BP P.L.C. ENERGY 055622104 87 2,066 SH   SOLE   2,066 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 4 15 SH   SOLE   15 0 0
BALL CORPORATION MATERIALS 058498106 5 124 SH   SOLE   124 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 172 5,821 SH   SOLE   5,821 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 14 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 89 1,650 SH   SOLE   1,650 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 13 1,925 SH   SOLE   1,925 0 0
BARRICK GOLD CORP MATERIALS 067901108 5 360 SH   SOLE   360 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 379 1,770 SH   SOLE   1,770 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 54 250 SH   DFND   0 250 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,298 6,546 SH   SOLE   6,546 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 24 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 20 63 SH   SOLE   63 0 0
BLACKROCK INC FINANCIALS 09247X101 187 365 SH   SOLE   365 0 0
BLACKROCK INC FINANCIALS 09247X101 8 15 SH   DFND   0 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 133 4,146 SH   SOLE   4,146 0 0
BOEING INDUSTRIALS 097023105 866 2,936 SH   SOLE   2,911 0 25
BOEING INDUSTRIALS 097023105 293 995 SH   DFND   500 495 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,045 17,048 SH   SOLE   17,048 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 451 7,365 SH   DFND   4,000 3,365 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 63 1,275 SH   SOLE   1,275 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 12 100 SH   SOLE   100 0 0
CSX CORPORATION INDUSTRIALS 126408103 277 5,035 SH   SOLE   5,035 0 0
CSX CORPORATION INDUSTRIALS 126408103 116 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 688 9,488 SH   SOLE   9,488 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 4 50 SH   DFND   0 50 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 100 2,080 SH   SOLE   2,080 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 3 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 54 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 17 175 SH   SOLE   175 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 8 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,077 6,832 SH   SOLE   6,807 0 25
CATERPILLAR INC INDUSTRIALS 149123101 414 2,630 SH   DFND   1,985 645 0
CELGENE CORP HEALTHCARE 151020104 451 4,322 SH   SOLE   4,322 0 0
CELGENE CORP HEALTHCARE 151020104 19 185 SH   DFND   70 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 34 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 199 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 32 1,901 SH   SOLE   1,901 0 0
CHEVRON CORPORATION ENERGY 166764100 1,169 9,339 SH   SOLE   9,339 0 0
CHEVRON CORPORATION ENERGY 166764100 300 2,393 SH   DFND   1,395 998 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 757 19,781 SH   SOLE   19,716 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 68 1,775 SH   DFND   0 1,775 0
CITIGROUP INC. FINANCIALS 172967424 17 233 SH   SOLE   233 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 59 400 SH   SOLE   400 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 30 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 665 14,484 SH   SOLE   14,484 0 0
COCA COLA CO CONSUMER STAPLES 191216100 340 7,415 SH   DFND   4,080 3,335 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 14 200 SH   SOLE   200 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 2 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 887 11,758 SH   SOLE   11,723 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 223 2,960 SH   DFND   2,500 460 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 94 2,355 SH   SOLE   2,355 0 0
CONOCOPHILLIPS ENERGY 20825C104 442 8,047 SH   SOLE   8,047 0 0
CONOCOPHILLIPS ENERGY 20825C104 150 2,725 SH   DFND   2,190 535 0
CONSOLIDATED EDISON INC UTILITIES 209115104 186 2,195 SH   SOLE   2,195 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 106 3,300 SH   SOLE   3,300 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 364 1,954 SH   SOLE   1,954 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 20 125 SH   SOLE   125 0 0
CUMMINS INC INDUSTRIALS 231021106 156 882 SH   SOLE   882 0 0
CUMMINS INC INDUSTRIALS 231021106 19 110 SH   DFND   110 0 0
DTE ENERGY CO UTILITIES 233331107 31 280 SH   SOLE   280 0 0
DANAHER CORP INDUSTRIALS 235851102 185 1,989 SH   SOLE   1,989 0 0
DANAHER CORP INDUSTRIALS 235851102 59 635 SH   DFND   460 175 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 285 1,820 SH   SOLE   1,820 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 33 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 18 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 55 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 29 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,278 11,887 SH   SOLE   11,862 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 131 1,218 SH   DFND   0 1,218 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 37 484 SH   SOLE   484 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 14 150 SH   SOLE   150 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 220 2,718 SH   SOLE   2,718 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 51 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 10 55 SH   SOLE   55 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 89 1,063 SH   SOLE   1,063 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 14 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 18 165 SH   SOLE   165 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 27 712 SH   SOLE   712 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 4 35 SH   SOLE   35 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 221 3,175 SH   SOLE   3,175 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 324 4,645 SH   DFND   1,450 3,195 0
ENBRIDGE INC ENERGY 29250N105 12 315 SH   SOLE   315 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 11 816 SH   SOLE   816 0 0
ENTERGY CORPORATION UTILITIES 29364G103 65 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 62 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 37 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 5 193 SH   DFND   93 0 100
EXELON CORP UTILITIES 30161N101 54 1,365 SH   DFND   1,090 275 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 185 2,475 SH   SOLE   2,475 0 0
EXXON MOBIL CORP ENERGY 30231G102 1,848 22,094 SH   SOLE   22,057 0 37
EXXON MOBIL CORP ENERGY 30231G102 880 10,522 SH   DFND   2,258 8,264 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,021 5,788 SH   SOLE   5,788 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 31 175 SH   DFND   70 105 0
FEDEX CORPORATION INDUSTRIALS 31428X106 123 492 SH   SOLE   492 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 39 155 SH   DFND   125 30 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 18 865 SH   SOLE   865 0 0
FIRSTENERGY CORP UTILITIES 337932107 12 408 SH   SOLE   408 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 167 13,340 SH   SOLE   13,340 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 4 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 23 317 SH   DFND   230 87 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 6 150 SH   SOLE   150 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 150 735 SH   SOLE   735 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 731 41,920 SH   SOLE   41,920 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 286 16,399 SH   DFND   4,819 11,480 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 39 665 SH   SOLE   665 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 166 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 17 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 492 6,871 SH   SOLE   6,871 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 11 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 19 915 SH   SOLE   915 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 8 225 SH   SOLE   225 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 14 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 32 125 SH   SOLE   125 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 4 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 31 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 27 560 SH   SOLE   560 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 27 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 19 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 83 1,285 SH   SOLE   1,285 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,254 6,615 SH   SOLE   6,615 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 573 3,025 SH   DFND   1,000 2,025 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 107 700 SH   SOLE   700 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 3 30 SH   SOLE   30 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 327 1,962 SH   SOLE   1,962 0 0
INGREDION INC CONSUMER STAPLES 457187102 45 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,973 42,750 SH   SOLE   42,685 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 530 11,485 SH   DFND   6,610 4,875 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 15 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 914 5,958 SH   SOLE   5,958 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 253 1,652 SH   DFND   500 1,152 0
INTERNATIONAL PAPER CO MATERIALS 460146103 80 1,380 SH   SOLE   1,345 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 6 100 SH   DFND   0 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 4 12 SH   SOLE   12 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 2 150 SH   SOLE   150 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 3 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,186 10,000 SH   SOLE   10,000 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 139 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,901 60,494 SH   SOLE   60,009 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 899 7,877 SH   DFND   6,085 1,792 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 1,087 9,939 SH   SOLE   9,939 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 18 114 SH   SOLE   114 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 5 31 SH   SOLE   31 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 1,129 16,056 SH   SOLE   15,969 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 58 830 SH   DFND   360 470 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 95 456 SH   SOLE   456 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 244 1,811 SH   SOLE   1,811 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 171 915 SH   SOLE   915 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 122 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,945 38,343 SH   SOLE   38,263 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 52 673 SH   DFND   0 673 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 11 1,155 SH   SOLE   1,155 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 21 215 SH   SOLE   215 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 22 200 SH   SOLE   200 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 7 280 SH   SOLE   280 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 7 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,599 14,950 SH   SOLE   14,925 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 206 1,925 SH   DFND   830 1,095 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 9 210 SH   SOLE   210 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,251 23,268 SH   SOLE   23,238 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 840 6,010 SH   DFND   2,485 3,525 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 32 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 14 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 11 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 178 1,478 SH   SOLE   1,478 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 129 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 5 300 SH   SOLE   300 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 7 40 SH   SOLE   40 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 342 4,052 SH   SOLE   4,052 0 0
ELI LILLY & CO HEALTHCARE 532457108 329 3,895 SH   DFND   3,750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 10 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 963 3,000 SH   SOLE   3,000 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 421 1,310 SH   DFND   990 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 220 2,362 SH   SOLE   2,287 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 74 800 SH   DFND   800 0 0
MPLX LP ENERGY 55336V100 6 160 SH   SOLE   160 0 0
MACY'S INC CONSUMER DISCRETIONARY 55616P104 1 28 SH   SOLE   28 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 10 480 SH   SOLE   480 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 6 5 SH   SOLE   5 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 72 475 SH   SOLE   475 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 10 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 3 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 28 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 71 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,381 8,026 SH   SOLE   8,011 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 688 3,997 SH   DFND   1,600 2,397 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 65 415 SH   SOLE   415 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 1 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 464 8,253 SH   SOLE   8,253 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 108 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 309 6,120 SH   SOLE   6,090 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,862 21,772 SH   SOLE   21,772 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 430 5,030 SH   DFND   3,030 2,000 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 40 945 SH   SOLE   945 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 43 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 12 105 SH   SOLE   105 0 0
MONSANTO COMPANY MATERIALS 61166W101 9 80 SH   DFND   0 80 0
MORGAN STANLEY FINANCIALS 617446448 114 2,179 SH   SOLE   2,179 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 11 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 4 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 6 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 92 480 SH   SOLE   480 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 37 912 SH   SOLE   912 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,286 8,232 SH   SOLE   8,232 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 334 2,140 SH   DFND   1,700 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 361 5,770 SH   SOLE   5,770 0 0
NOBLE ENERGY INC. ENERGY 655044105 3 100 SH   SOLE   0 0 100
NOBLE ENERGY INC. ENERGY 655044105 9 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 7 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 28 90 SH   SOLE   90 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 41 640 SH   SOLE   640 0 0
NUCOR MATERIALS 670346105 89 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 35 180 SH   SOLE   180 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 51 690 SH   SOLE   690 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 170 3,607 SH   SOLE   3,607 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 8 170 SH   DFND   0 170 0
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 5,379 125,300 SH   SOLE   123,655 0 1,645
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 8 183 SH   DFND   139 44 0
OWENS CORNING INC. MATERIALS 690742101 11 120 SH   SOLE   120 0 0
P G & E CORP UTILITIES 69331C108 3 64 SH   SOLE   64 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 24 165 SH   SOLE   165 0 0
PPG INDUSTRIES MATERIALS 693506107 33 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 16 515 SH   SOLE   515 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,327 19,405 SH   SOLE   19,405 0 0
PEPSICO INC CONSUMER STAPLES 713448108 501 4,180 SH   DFND   1,845 2,335 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 14 190 SH   SOLE   190 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 5 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 454 12,525 SH   SOLE   12,525 0 0
PFIZER INC HEALTHCARE 717081103 301 8,306 SH   DFND   5,750 2,556 0
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PHILLIPS 66 ENERGY 718546104 410 4,058 SH   SOLE   4,058 0 0
PHILLIPS 66 ENERGY 718546104 142 1,407 SH   DFND   1,095 312 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 28 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 43 275 SH   SOLE   275 0 0
PRAXAIR MATERIALS 74005P104 227 1,466 SH   SOLE   1,466 0 0
PRAXAIR MATERIALS 74005P104 253 1,635 SH   DFND   825 810 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 22 1,090 SH   SOLE   1,090 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 12 7 SH   SOLE   7 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,172 23,643 SH   SOLE   23,608 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 680 7,402 SH   DFND   2,915 4,487 0
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PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 111 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 575 8,983 SH   SOLE   8,953 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 62 975 SH   DFND   665 310 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 50 265 SH   SOLE   265 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 94 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 38 100 SH   SOLE   100 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 28 425 SH   SOLE   425 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 25 300 SH   SOLE   300 0 0
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SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 307 1,150 SH   DFND   705 445 0
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SCHLUMBERGER LTD ENERGY 806857108 185 2,740 SH   SOLE   2,740 0 0
SCHLUMBERGER LTD ENERGY 806857108 47 700 SH   DFND   0 700 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 21 400 SH   SOLE   400 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 5 100 SH   SOLE   100 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 29 450 SH   DFND   0 450 0
SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 12 30 SH   SOLE   30 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 136 792 SH   SOLE   792 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 101 814 SH   SOLE   814 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 118 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 106 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 2 40 SH   SOLE   40 0 0
SOUTHERN CO UTILITIES 842587107 554 11,522 SH   SOLE   11,522 0 0
SOUTHERN CO UTILITIES 842587107 206 4,280 SH   DFND   2,850 1,430 0
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SOUTHWEST GAS CORP ENERGY 844895102 12 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 4 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 350 6,102 SH   SOLE   6,102 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 5 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 5 120 SH   SOLE   120 0 0
STRYKER CORP HEALTHCARE 863667101 544 3,515 SH   SOLE   3,515 0 0
STRYKER CORP HEALTHCARE 863667101 45 290 SH   DFND   180 110 0
SYNCHRONY FINANCIALS FINANCIALS 87165B103 4 105 SH   SOLE   105 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 13 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 23 295 SH   SOLE   295 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 10 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 221 3,380 SH   SOLE   3,338 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 100 1,530 SH   DFND   670 860 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 60 192 SH   SOLE   192 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 9 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 56 535 SH   SOLE   535 0 0
TEXTRON INC INDUSTRIALS 883203101 4 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 3 60 SH   SOLE   60 0 0
THOR INDUSTRIES INC. CONSUMER DISCRETIONARY 885160101 3 20 SH   SOLE   20 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 378 1,604 SH   SOLE   1,604 0 0
3M CO COM INDUSTRIALS 88579Y101 318 1,350 SH   DFND   835 515 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 72 785 SH   SOLE   785 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 27 458 SH   SOLE   458 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 119 875 SH   SOLE   875 0 0
TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 2 70 SH   SOLE   70 0 0
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TRUSTCO BK CORP N Y COM FINANCIALS 898349105 13 1,400 SH   DFND   0 1,400 0
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US BANCORP DEL COM NEW FINANCIALS 902973304 184 3,435 SH   SOLE   3,435 0 0
ULTA SALON COSMETICS & FRAGRANCE, INC. CONSUMER DISCRETIONARY 90384S303 1 3 SH   SOLE   3 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 6 435 SH   SOLE   435 0 0
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UNITED PARCEL SERVICE INDUSTRIALS 911312106 66 555 SH   SOLE   555 0 0
UNITED STATES STEEL CORP INDUSTRIALS 912909108 10 275 SH   SOLE   275 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,214 17,352 SH   SOLE   17,320 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 434 3,405 SH   DFND   2,035 1,370 0
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VALERO ENERGY NEW ENERGY 91913Y100 32 345 SH   SOLE   345 0 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 382 7,217 SH   DFND   3,699 3,518 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 224 1,965 SH   SOLE   1,965 0 0
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VMWARE INC INFORMATION TECHNOLOGY 928563402 9 75 SH   SOLE   75 0 0
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WELLS FARGO & CO NEW FINANCIALS 949746101 178 2,931 SH   SOLE   2,931 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 56 920 SH   DFND   700 220 0
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WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 25 150 SH   SOLE   150 0 0
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