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 575 3,802 SH   SOLE   3,802 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
AFLAC INC. FINANCIALS 001055102 11 250 SH   DFND   0 250 0
AT&T INC. TELECOM. SERVICES 00206R102 1,342 41,055 SH   SOLE   40,995 0 60
AT&T INC. TELECOM. SERVICES 00206R102 346 10,571 SH   DFND   5,011 5,560 0
ABBOTT LABS HEALTHCARE 002824100 299 5,141 SH   SOLE   5,141 0 0
ABBOTT LABS HEALTHCARE 002824100 171 2,945 SH   DFND   1,250 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 881 9,128 SH   SOLE   9,128 0 0
ABBVIE INC. HEALTHCARE 00287Y109 295 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 135 2,040 SH   SOLE   2,040 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 72 323 SH   SOLE   323 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 2 200 SH   SOLE   200 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 377 2,103 SH   SOLE   2,103 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 19 285 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 1 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 29 300 SH   SOLE   300 0 0
ALLSTATE CORP FINANCIALS 020002101 29 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 188 3,357 SH   SOLE   3,357 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 2,957 1,888 SH   SOLE   1,888 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 31 20 SH   DFND   10 10 0
AMBEV SA-ADR CONSUMER STAPLES 02319V103 9 1,300 SH   DFND   0 1,300 0
AMERICAN EXPRESS FINANCIALS 025816109 262 2,656 SH   SOLE   2,619 0 37
AMERICAN EXPRESS FINANCIALS 025816109 33 335 SH   DFND   235 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 20 356 SH   SOLE   356 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 439 3,218 SH   SOLE   3,218 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 237 1,361 SH   SOLE   1,361 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 15 219 SH   SOLE   219 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 3 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,255 19,698 SH   SOLE   19,678 0 20
APPLE INC INFORMATION TECHNOLOGY 037833100 170 1,030 SH   DFND   640 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 161 3,236 SH   SOLE   3,236 0 0
AQUA AMERICA INC UTILITIES 03836W103 446 12,705 SH   SOLE   12,705 0 0
AQUA AMERICA INC UTILITIES 03836W103 31 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 11 40 SH   SOLE   40 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 88 2,496 SH   SOLE   2,496 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 11 320 SH   SOLE   320 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 43 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 541 4,578 SH   SOLE   4,578 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 312 2,640 SH   DFND   1,460 1,180 0
BP P.L.C. ENERGY 055622104 112 2,513 SH   SOLE   2,513 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 7 27 SH   SOLE   27 0 0
BALL CORPORATION MATERIALS 058498106 5 124 SH   SOLE   124 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 207 6,935 SH   SOLE   6,935 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 14 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 73 1,331 SH   SOLE   1,331 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 15 1,925 SH   SOLE   1,925 0 0
BARRICK GOLD CORP MATERIALS 067901108 5 360 SH   SOLE   360 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 46 666 SH   SOLE   666 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 407 1,755 SH   SOLE   1,755 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 58 250 SH   DFND   0 250 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,360 7,021 SH   SOLE   7,021 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 24 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 18 65 SH   SOLE   65 0 0
BLACKROCK INC FINANCIALS 09247X101 295 566 SH   SOLE   566 0 0
BLACKROCK INC FINANCIALS 09247X101 8 15 SH   DFND   0 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 117 3,790 SH   SOLE   3,790 0 0
BOEING INDUSTRIALS 097023105 991 2,970 SH   SOLE   2,945 0 25
BOEING INDUSTRIALS 097023105 332 995 SH   DFND   500 495 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 972 18,651 SH   SOLE   18,651 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 332 6,365 SH   DFND   3,000 3,365 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 53 1,275 SH   SOLE   1,275 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 11 100 SH   SOLE   100 0 0
CSX CORPORATION INDUSTRIALS 126408103 292 4,910 SH   SOLE   4,910 0 0
CSX CORPORATION INDUSTRIALS 126408103 125 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 700 10,018 SH   SOLE   10,018 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 3 50 SH   DFND   0 50 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 85 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 8 90 SH   SOLE   90 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 7 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,114 7,720 SH   SOLE   7,695 0 25
CATERPILLAR INC INDUSTRIALS 149123101 307 2,130 SH   DFND   1,485 645 0
CELGENE CORP HEALTHCARE 151020104 364 4,179 SH   SOLE   4,179 0 0
CELGENE CORP HEALTHCARE 151020104 10 115 SH   DFND   0 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 30 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 127 5,000 SH   DFND   5,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 22 1,181 SH   SOLE   1,181 0 0
CHARTER COMMUNICATIONS,INC-A TELECOM. SERVICES 16119P108 18 68 SH   SOLE   68 0 0
CHESAPEAKE ENERGY CORP ENERGY 165167107 4 1,250 SH   SOLE   1,250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,175 9,391 SH   SOLE   9,391 0 0
CHEVRON CORPORATION ENERGY 166764100 299 2,393 SH   DFND   1,395 998 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 834 18,828 SH   SOLE   18,763 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 79 1,775 SH   DFND   0 1,775 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 4 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 24 353 SH   SOLE   353 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 47 400 SH   SOLE   400 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 23 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 634 14,682 SH   SOLE   14,682 0 0
COCA COLA CO CONSUMER STAPLES 191216100 320 7,415 SH   DFND   4,080 3,335 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 16 200 SH   SOLE   200 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 1 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 761 11,665 SH   SOLE   11,630 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 193 2,960 SH   DFND   2,500 460 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 75 2,402 SH   SOLE   2,402 0 0
CONOCOPHILLIPS ENERGY 20825C104 528 8,062 SH   SOLE   8,062 0 0
CONOCOPHILLIPS ENERGY 20825C104 178 2,725 SH   DFND   2,190 535 0
CONSOLIDATED EDISON INC UTILITIES 209115104 127 1,591 SH   SOLE   1,591 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 89 3,300 SH   SOLE   3,300 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 309 1,566 SH   SOLE   1,566 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 21 125 SH   SOLE   125 0 0
CUMMINS INC INDUSTRIALS 231021106 141 882 SH   SOLE   882 0 0
CUMMINS INC INDUSTRIALS 231021106 18 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 16 1,500 SH   SOLE   1,500 0 0
DTE ENERGY CO UTILITIES 233331107 30 280 SH   SOLE   280 0 0
DANAHER CORP INDUSTRIALS 235851102 197 1,964 SH   SOLE   1,964 0 0
DANAHER CORP INDUSTRIALS 235851102 64 635 SH   DFND   460 175 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 261 1,930 SH   SOLE   1,930 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 28 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 17 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 42 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 28 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,315 13,107 SH   SOLE   13,082 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 122 1,218 SH   DFND   0 1,218 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 31 440 SH   SOLE   440 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 14 150 SH   SOLE   150 0 0
DOLLAR TREE, INC. CONSUMER DISCRETIONARY 256746108 4 40 SH   SOLE   40 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 189 2,845 SH   SOLE   2,845 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 42 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 12 50 SH   SOLE   50 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 96 1,203 SH   SOLE   1,203 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 13 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 18 154 SH   SOLE   154 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 12 307 SH   SOLE   307 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 4 35 SH   SOLE   35 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 211 3,175 SH   SOLE   3,175 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 308 4,645 SH   DFND   1,450 3,195 0
ENBRIDGE INC ENERGY 29250N105 19 628 SH   SOLE   628 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 10 816 SH   SOLE   816 0 0
ENTERGY CORPORATION UTILITIES 29364G103 65 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 65 2,416 SH   SOLE   2,416 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 41 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 4 100 SH   SOLE   100 0 0
EXELON CORP UTILITIES 30161N101 54 1,365 SH   DFND   1,090 275 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 158 2,089 SH   SOLE   2,089 0 0
EXXON MOBIL CORP ENERGY 30231G102 1,743 22,424 SH   SOLE   22,387 0 37
EXXON MOBIL CORP ENERGY 30231G102 796 10,236 SH   DFND   1,972 8,264 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,107 6,436 SH   SOLE   6,436 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 30 175 SH   DFND   70 105 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 3 15 SH   SOLE   15 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 216 872 SH   SOLE   872 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 38 155 SH   DFND   125 30 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 28 1,485 SH   SOLE   1,485 0 0
FIRSTENERGY CORP UTILITIES 337932107 11 308 SH   SOLE   308 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 110 9,765 SH   SOLE   9,765 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 3 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 13 187 SH   DFND   100 87 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 5 150 SH   SOLE   150 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 24 1,600 SH   SOLE   1,600 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 255 1,268 SH   SOLE   1,268 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 13 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 478 33,940 SH   SOLE   33,940 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 207 14,720 SH   DFND   3,140 11,480 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 19 435 SH   SOLE   435 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 122 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 15 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 442 6,126 SH   SOLE   6,126 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 11 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 16 915 SH   SOLE   915 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 16 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 36 152 SH   SOLE   152 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 30 567 SH   SOLE   567 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 22 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 20 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 89 1,285 SH   SOLE   1,285 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,279 6,922 SH   SOLE   6,922 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 559 3,025 SH   DFND   1,000 2,025 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 105 723 SH   SOLE   723 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 3 30 SH   SOLE   30 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 280 1,972 SH   SOLE   1,972 0 0
INGREDION INC CONSUMER STAPLES 457187102 39 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,295 44,470 SH   SOLE   44,405 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 531 10,285 SH   DFND   5,410 4,875 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 19 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 884 6,098 SH   SOLE   6,098 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 239 1,652 SH   DFND   500 1,152 0
INTERNATIONAL PAPER CO MATERIALS 460146103 96 1,853 SH   SOLE   1,818 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 5 100 SH   DFND   0 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 5 12 SH   SOLE   12 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 5 350 SH   SOLE   350 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 1,097 9,425 SH   SOLE   9,425 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 136 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,841 60,748 SH   SOLE   60,263 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 887 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 1,054 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 1,199 16,956 SH   SOLE   16,869 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 59 830 SH   DFND   360 470 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 125 606 SH   SOLE   606 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 15 126 SH   SOLE   126 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 330 2,415 SH   SOLE   2,415 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 198 1,035 SH   SOLE   1,035 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 123 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 3,351 43,073 SH   SOLE   42,993 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 DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 26 675 SH   SOLE   675 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 22 200 SH   SOLE   200 0 0
ISHARES CORE MSCI EAFE ETF Exchange Traded Funds - Equity 46432F842 8 119 SH   SOLE   119 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 5 180 SH   SOLE   180 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 7 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,737 15,965 SH   SOLE   15,940 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 209 1,925 SH   DFND   830 1,095 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 10 270 SH   SOLE   270 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,112 24,605 SH   SOLE   24,575 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 699 5,525 SH   DFND   2,000 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 12 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 11 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 139 1,347 SH   SOLE   1,347 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 111 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 2 100 SH   SOLE   100 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 12 65 SH   SOLE   65 0 0
LEGACY RESERVES ENERGY 524707304 1 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 10 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 326 4,024 SH   SOLE   4,024 0 0
ELI LILLY & CO HEALTHCARE 532457108 235 2,895 SH   DFND   2,750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 9 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 981 3,058 SH   SOLE   3,058 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 372 1,160 SH   DFND   840 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 249 3,015 SH   SOLE   2,940 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 66 800 SH   DFND   800 0 0
MPLX LP ENERGY 55336V100 6 160 SH   SOLE   160 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 9 480 SH   SOLE   480 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 11 10 SH   SOLE   10 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 77 430 SH   SOLE   430 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 12 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 4 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 28 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 74 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,457 8,704 SH   SOLE   8,689 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 619 3,697 SH   DFND   1,300 2,397 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 59 380 SH   SOLE   380 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 1 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 491 8,336 SH   SOLE   8,336 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 113 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 387 8,117 SH   SOLE   8,087 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 2,094 22,396 SH   SOLE   22,396 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 414 4,430 SH   DFND   2,430 2,000 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 41 1,034 SH   SOLE   1,034 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 40 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 13 105 SH   SOLE   105 0 0
MONSANTO COMPANY MATERIALS 61166W101 10 80 SH   DFND   0 80 0
MORGAN STANLEY FINANCIALS 617446448 93 1,797 SH   SOLE   1,797 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 10 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 4 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 7 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 150 480 SH   SOLE   480 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 38 912 SH   SOLE   912 0 0
NEW RESIDENTIAL INVESTMENT CORP REAL ESTATE 64828T201 6 340 SH   SOLE   340 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,259 7,680 SH   SOLE   7,680 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 269 1,640 SH   DFND   1,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 378 5,523 SH   SOLE   5,523 0 0
NOBLE ENERGY INC. ENERGY 655044105 3 100 SH   SOLE   0 0 100
NOBLE ENERGY INC. ENERGY 655044105 10 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 6 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 40 123 SH   SOLE   123 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 10 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 42 675 SH   SOLE   675 0 0
NUCOR MATERIALS 670346105 86 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 100 443 SH   SOLE   443 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 45 588 SH   SOLE   588 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 158 3,456 SH   SOLE   3,456 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 8 170 SH   DFND   0 170 0
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 6,176 141,395 SH   SOLE   139,751 0 1,644
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OWENS CORNING INC. MATERIALS 690742101 12 190 SH   SOLE   190 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 29 197 SH   SOLE   197 0 0
PPG INDUSTRIES MATERIALS 693506107 30 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 3 120 SH   SOLE   120 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 3 15 SH   SOLE   15 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,055 20,361 SH   SOLE   20,361 0 0
PEPSICO INC CONSUMER STAPLES 713448108 422 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 3 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 449 12,264 SH   SOLE   12,264 0 0
PFIZER INC HEALTHCARE 717081103 262 7,156 SH   DFND   4,600 2,556 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 123 1,499 SH   SOLE   1,499 0 0
PHILLIPS 66 ENERGY 718546104 446 4,003 SH   SOLE   4,003 0 0
PHILLIPS 66 ENERGY 718546104 157 1,407 SH   DFND   1,095 312 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 32 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 69 430 SH   SOLE   430 0 0
PRAXAIR MATERIALS 74005P104 228 1,493 SH   SOLE   1,493 0 0
PRAXAIR MATERIALS 74005P104 249 1,635 SH   DFND   825 810 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 17 1,150 SH   SOLE   1,150 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 1,831 25,318 SH   SOLE   25,283 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 535 7,402 SH   DFND   2,915 4,487 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 103 965 SH   SOLE   965 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 113 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 442 8,672 SH   SOLE   8,642 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 50 975 SH   DFND   665 310 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 3 100 SH   SOLE   100 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 73 357 SH   SOLE   357 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 102 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 41 135 SH   SOLE   135 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 30 425 SH   SOLE   425 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 20 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 14,163 53,546 SH   SOLE   53,546 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 304 1,150 SH   DFND   705 445 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 152 1,219 SH   SOLE   1,219 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 295 3,395 SH   SOLE   3,395 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 100 295 SH   DFND   0 295 0
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SCHLUMBERGER LTD ENERGY 806857108 213 3,113 SH   SOLE   3,113 0 0
SCHLUMBERGER LTD ENERGY 806857108 48 700 SH   DFND   0 700 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 64 1,141 SH   SOLE   1,141 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 5 100 SH   SOLE   100 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100 111 1,950 SH   SOLE   1,950 0 0
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FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 12 450 SH   DFND   450 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 584 8,920 SH   SOLE   8,920 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 29 450 SH   DFND   0 450 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886 120 2,330 SH   SOLE   2,330 0 0
SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 11 30 SH   SOLE   30 0 0
SHIRE PLC FOREIGN EQUITIES 82481R106 16 99 SH   SOLE   99 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 89 572 SH   SOLE   572 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 112 980 SH   SOLE   980 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 108 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 88 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 5 105 SH   SOLE   105 0 0
SOUTHERN CO UTILITIES 842587107 542 11,755 SH   SOLE   11,755 0 0
SOUTHERN CO UTILITIES 842587107 197 4,280 SH   DFND   2,850 1,430 0
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SOUTHWEST GAS CORP ENERGY 844895102 11 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 5 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 324 5,633 SH   SOLE   5,633 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 5 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 6 140 SH   SOLE   140 0 0
STRYKER CORP HEALTHCARE 863667101 589 3,475 SH   SOLE   3,475 0 0
STRYKER CORP HEALTHCARE 863667101 49 290 SH   DFND   180 110 0
SUNTRUST BANKS INC FINANCIALS 867914103 3 40 SH   SOLE   40 0 0
SYNCHRONY FINANCIALS FINANCIALS 87165B103 5 160 SH   SOLE   160 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 14 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 26 308 SH   SOLE   308 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 9 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 239 3,287 SH   SOLE   3,245 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 111 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 54 184 SH   SOLE   184 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 8 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 54 535 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 2 20 SH   SOLE   20 0 0
3M CO COM INDUSTRIALS 88579Y101 292 1,502 SH   SOLE   1,502 0 0
3M CO COM INDUSTRIALS 88579Y101 262 1,350 SH   DFND   835 515 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 70 738 SH   SOLE   738 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 26 458 SH   SOLE   458 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 115 875 SH   SOLE   875 0 0
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TRUSTCO BK CORP N Y COM FINANCIALS 898349105 12 1,400 SH   DFND   0 1,400 0
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US BANCORP DEL COM NEW FINANCIALS 902973304 175 3,465 SH   SOLE   3,465 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 5 300 SH   SOLE   300 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 10 170 SH   DFND   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108 61 456 SH   SOLE   456 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 97 856 SH   SOLE   856 0 0
UNITED STATES STEEL CORP INDUSTRIALS 912909108 9 275 SH   SOLE   275 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,232 18,573 SH   SOLE   18,541 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 362 3,015 SH   DFND   1,645 1,370 0
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VALERO ENERGY NEW ENERGY 91913Y100 35 315 SH   SOLE   315 0 0
VALERO ENERGY NEW ENERGY 91913Y100 13 115 SH   DFND   0 115 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 350 7,093 SH   DFND   3,575 3,518 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 13 100 SH   DFND   0 100 0
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WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 192 2,365 SH   DFND   880 1,485 0
WELLS FARGO & CO NEW FINANCIALS 949746101 135 2,605 SH   SOLE   2,605 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 48 920 SH   DFND   700 220 0
WESTERN GAS PARTNERS LP ENERGY 958254104 31 635 SH   SOLE   635 0 0
WEYERHAEUSER COMPANY MATERIALS 962166104 6 150 SH   DFND   0 150 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 23 150 SH   SOLE   150 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 17 645 SH   SOLE   645 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 6 600 SH   SOLE   600 0 0
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YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 44 500 SH   SOLE   500 0 0
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