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
ATLASSIAN CORPORATION PLC - CLASS A FOREIGN EQUITIES G06242104 66 600 SH   SOLE   600 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 641 3,507 SH   SOLE   3,507 0 0
EATON CORP PLC INDUSTRIALS G29183103 8 100 SH   SOLE   100 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 6 100 SH   SOLE   100 0 0
TE CONNECTIVITY LTD INFORMATION TECHNOLOGY H84989104 3 28 SH   SOLE   28 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 7 53 SH   SOLE   53 0 0
ROYAL CARIBBEAN CRUISES LTD CONSUMER DISCRETIONARY V7780T103 113 938 SH   SOLE   938 0 0
AFLAC INC. FINANCIALS 001055102 13 250 SH   DFND   0 250 0
AT&T INC. TELECOM. SERVICES 00206R102 1,397 45,148 SH   SOLE   45,088 0 60
AT&T INC. TELECOM. SERVICES 00206R102 326 10,521 SH   DFND   5,011 5,510 0
ABBOTT LABS HEALTHCARE 002824100 415 5,222 SH   SOLE   5,222 0 0
ABBOTT LABS HEALTHCARE 002824100 234 2,945 SH   DFND   1,250 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 723 9,109 SH   SOLE   9,109 0 0
ABBVIE INC. HEALTHCARE 00287Y109 243 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 61 1,270 SH   SOLE   1,270 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 100 344 SH   SOLE   344 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 6 200 SH   SOLE   200 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 3 100 SH   DFND   0 0 100
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 5 145 SH   SOLE   145 0 0
AIR PRODUCTS & CHEMICALS INC MATERIALS 009158106 5 22 SH   SOLE   22 0 0
ALCOA CORP MATERIALS 013872106 0 14 SH   SOLE   14 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 3 10 SH   SOLE   10 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 79 800 SH   SOLE   800 0 0
ALLSTATE CORP FINANCIALS 020002101 30 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 170 3,134 SH   SOLE   3,134 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 3,454 1,793 SH   SOLE   1,793 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 39 20 SH   DFND   10 10 0
AMERICAN EXPRESS FINANCIALS 025816109 282 2,405 SH   SOLE   2,368 0 37
AMERICAN EXPRESS FINANCIALS 025816109 63 535 SH   DFND   235 300 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 13 269 SH   SOLE   269 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 584 2,989 SH   SOLE   2,989 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 3 22 SH   SOLE   22 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 218 1,218 SH   SOLE   1,218 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 12 161 SH   SOLE   161 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 4 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,892 19,394 SH   SOLE   19,374 0 20
APPLE INC INFORMATION TECHNOLOGY 037833100 207 1,030 SH   DFND   640 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 127 2,890 SH   SOLE   2,890 0 0
AQUA AMERICA INC UTILITIES 03836W103 443 11,337 SH   SOLE   11,337 0 0
AQUA AMERICA INC UTILITIES 03836W103 34 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 23 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 86 2,569 SH   SOLE   2,569 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 13 345 SH   SOLE   345 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 653 3,972 SH   SOLE   3,972 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 459 2,790 SH   DFND   1,460 1,330 0
BP P.L.C. ENERGY 055622104 132 3,013 SH   SOLE   3,013 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 4 27 SH   SOLE   27 0 0
BALL CORPORATION MATERIALS 058498106 7 124 SH   SOLE   124 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 402 13,137 SH   SOLE   13,137 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 15 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 58 1,175 SH   SOLE   1,175 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 4 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 2 145 SH   SOLE   145 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 76 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 384 1,597 SH   SOLE   1,597 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 57 235 SH   DFND   0 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,508 6,959 SH   SOLE   6,959 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 26 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 11 50 SH   SOLE   50 0 0
BLACKROCK INC FINANCIALS 09247X101 389 802 SH   SOLE   802 0 0
BLACKROCK INC FINANCIALS 09247X101 7 15 SH   DFND   0 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 67 1,701 SH   SOLE   1,701 0 0
BOEING INDUSTRIALS 097023105 1,235 3,271 SH   SOLE   3,246 0 25
BOEING INDUSTRIALS 097023105 376 995 SH   DFND   500 495 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 850 18,310 SH   SOLE   18,310 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 296 6,365 SH   DFND   3,000 3,365 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 44 1,310 SH   SOLE   1,310 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 10 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 4 23 SH   SOLE   23 0 0
CSX CORPORATION INDUSTRIALS 126408103 387 4,860 SH   SOLE   4,860 0 0
CSX CORPORATION INDUSTRIALS 126408103 167 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 583 10,726 SH   SOLE   10,726 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 4 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 67 298 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 9 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 905 6,493 SH   SOLE   6,468 0 25
CATERPILLAR INC INDUSTRIALS 149123101 297 2,130 SH   DFND   1,485 645 0
CELGENE CORP HEALTHCARE 151020104 133 1,406 SH   SOLE   1,406 0 0
CELGENE CORP HEALTHCARE 151020104 11 115 SH   DFND   0 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 37 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 155 5,000 SH   DFND   5,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 30 2,646 SH   SOLE   2,646 0 0
CHARTER COMMUNICATIONS,INC-A TELECOM. SERVICES 16119P108 18 49 SH   SOLE   49 0 0
CHESAPEAKE ENERGY CORP ENERGY 165167107 4 1,250 SH   SOLE   1,250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,234 10,275 SH   SOLE   10,275 0 0
CHEVRON CORPORATION ENERGY 166764100 287 2,393 SH   DFND   1,395 998 0
CHURCH & DWIGHT CO., INC. HEALTHCARE 171340102 4 50 SH   SOLE   50 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 1,179 21,074 SH   SOLE   21,009 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 99 1,775 SH   DFND   0 1,775 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 5 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 33 472 SH   SOLE   472 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 60 375 SH   SOLE   375 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 32 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 0 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 695 14,167 SH   SOLE   14,167 0 0
COCA COLA CO CONSUMER STAPLES 191216100 389 7,925 SH   DFND   4,080 3,845 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 51 700 SH   SOLE   700 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 1 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 785 10,784 SH   SOLE   10,749 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 202 2,770 SH   DFND   2,500 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 349 8,017 SH   SOLE   8,017 0 0
CONOCOPHILLIPS ENERGY 20825C104 562 8,902 SH   SOLE   8,902 0 0
CONOCOPHILLIPS ENERGY 20825C104 151 2,395 SH   DFND   1,860 535 0
CONSOLIDATED EDISON INC UTILITIES 209115104 137 1,591 SH   SOLE   1,591 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 108 3,383 SH   SOLE   3,383 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 354 1,442 SH   SOLE   1,442 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 43 255 SH   SOLE   255 0 0
CRONOS GROUP, INC. FOREIGN EQUITIES 22717L101 3 160 SH   SOLE   160 0 0
CUMMINS INC INDUSTRIALS 231021106 163 982 SH   SOLE   982 0 0
CUMMINS INC INDUSTRIALS 231021106 18 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 17 1,500 SH   SOLE   1,500 0 0
DTE ENERGY CO UTILITIES 233331107 35 280 SH   SOLE   280 0 0
DANAHER CORP INDUSTRIALS 235851102 238 1,800 SH   SOLE   1,800 0 0
DANAHER CORP INDUSTRIALS 235851102 111 835 SH   DFND   460 375 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 286 1,725 SH   SOLE   1,725 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 35 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 19 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 22 425 SH   SOLE   425 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 34 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,723 12,583 SH   SOLE   12,558 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 167 1,218 SH   DFND   0 1,218 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 77 940 SH   SOLE   940 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 5 90 SH   SOLE   90 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 19 150 SH   SOLE   150 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 233 2,993 SH   SOLE   2,993 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 49 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 16 60 SH   SOLE   60 0 0
DOW INC. CONSUMER DISCRETIONARY 260557103 93 1,642 SH   SOLE   1,642 0 0
DOW INC. CONSUMER DISCRETIONARY 260557103 34 597 SH   DFND   0 597 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 122 1,342 SH   SOLE   1,342 0 0
ECA MARCELLUS TRUST I ENERGY 26827L109 22 11,873 SH   SOLE   11,873 0 0
EOG RESOURCES INC ENERGY 26875P101 14 144 SH   SOLE   144 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 12 307 SH   SOLE   307 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 3 35 SH   SOLE   35 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 221 3,115 SH   SOLE   3,115 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 330 4,645 SH   DFND   1,450 3,195 0
ENBRIDGE INC ENERGY 29250N105 23 628 SH   SOLE   628 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 6 816 SH   SOLE   816 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100 72 4,748 SH   SOLE   4,748 0 0
ENTERGY CORPORATION UTILITIES 29364G103 78 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 100 3,477 SH   SOLE   3,477 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 4 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 139 5,557 SH   SOLE   5,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 5 193 SH   DFND   93 0 100
EXELON CORP UTILITIES 30161N101 8 150 SH   SOLE   150 0 0
EXELON CORP UTILITIES 30161N101 70 1,365 SH   DFND   1,090 275 0
EXXON MOBIL CORP ENERGY 30231G102 1,869 23,283 SH   SOLE   23,246 0 37
EXXON MOBIL CORP ENERGY 30231G102 839 10,451 SH   DFND   1,837 8,614 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,250 6,464 SH   SOLE   6,464 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 34 175 SH   DFND   70 105 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 4 15 SH   SOLE   15 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 166 877 SH   SOLE   877 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 29 155 SH   DFND   125 30 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 31 1,485 SH   SOLE   1,485 0 0
FIRST TRUST NEW OPPORTUNITIES MLP ENERGY 33739M100 33 3,583 SH   SOLE   3,583 0 0
FIRSTENERGY CORP UTILITIES 337932107 13 308 SH   SOLE   308 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 109 10,455 SH   SOLE   10,455 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 3 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 4 50 SH   SOLE   50 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 25 287 SH   DFND   100 187 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 5 150 SH   SOLE   150 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 227 1,271 SH   SOLE   1,271 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 12 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 246 24,175 SH   SOLE   24,175 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 132 12,970 SH   DFND   3,140 9,730 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 27 520 SH   SOLE   520 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 144 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 18 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 202 3,105 SH   SOLE   3,105 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 10 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 22 1,000 SH   SOLE   1,000 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 16 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 21 100 SH   SOLE   100 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 8 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 26 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 10 365 SH   SOLE   365 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 12 310 SH   SOLE   310 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 72 1,235 SH   SOLE   1,235 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,313 6,447 SH   SOLE   6,447 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 616 3,025 SH   DFND   1,000 2,025 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 125 721 SH   SOLE   721 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 16 85 SH   SOLE   85 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 224 1,439 SH   SOLE   1,439 0 0
INGREDION INC CONSUMER STAPLES 457187102 30 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,188 42,873 SH   SOLE   42,808 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 550 10,785 SH   DFND   5,410 5,375 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 10 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 786 5,604 SH   SOLE   5,604 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 218 1,552 SH   DFND   500 1,052 0
INTERNATIONAL PAPER CO MATERIALS 460146103 93 1,983 SH   SOLE   1,948 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 5 100 SH   DFND   0 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 11 22 SH   SOLE   22 0 0
INVESCO GLOBAL WATER ETF Exchange Traded Funds - Equity 46138E651 41 1,500 SH   SOLE   1,500 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 2 100 SH   SOLE   100 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 3 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 30 2,150 SH   SOLE   2,150 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 1,008 7,710 SH   SOLE   7,710 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 142 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,240 55,066 SH   SOLE   54,581 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 893 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 364 3,349 SH   SOLE   3,349 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 15 340 SH   SOLE   340 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 21 114 SH   SOLE   114 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 6 31 SH   SOLE   31 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 553 8,277 SH   SOLE   8,190 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 67 1,010 SH   DFND   360 650 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 136 2,424 SH   SOLE   2,424 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 10 76 SH   SOLE   76 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 351 2,223 SH   SOLE   2,223 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 204 1,010 SH   SOLE   1,010 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 127 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 3,285 40,993 SH   SOLE   40,913 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 84 1,043 SH   DFND   0 1,043 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 17 1,655 SH   SOLE   1,655 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 36 330 SH   SOLE   330 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 23 605 SH   SOLE   605 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 37 300 SH   SOLE   300 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 1 50 SH   SOLE   50 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 7 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 2,040 17,576 SH   SOLE   17,551 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 223 1,925 SH   DFND   830 1,095 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 2 70 SH   SOLE   70 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,223 22,825 SH   SOLE   22,795 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 820 5,805 SH   DFND   2,000 3,805 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 12 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 10 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 162 1,262 SH   SOLE   1,262 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 137 1,070 SH   DFND   1,000 70 0
ESTEE LAUDER COMPANIES-CL A CONSUMER STAPLES 518439104 4 23 SH   SOLE   23 0 0
ELI LILLY & CO HEALTHCARE 532457108 402 3,432 SH   SOLE   3,432 0 0
ELI LILLY & CO HEALTHCARE 532457108 339 2,895 SH   DFND   2,750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 10 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 1,128 3,383 SH   SOLE   3,383 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 387 1,160 SH   DFND   840 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 343 3,028 SH   SOLE   2,953 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 91 800 SH   DFND   800 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 16 880 SH   SOLE   880 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102 4 60 SH   SOLE   60 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 11 10 SH   SOLE   10 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202 5 40 SH   SOLE   40 0 0
MASIMO CORPORATION HEALTHCARE 574795100 2 12 SH   SOLE   12 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 119 469 SH   SOLE   469 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 17 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 5 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 42 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 108 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,629 8,243 SH   SOLE   8,228 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 730 3,697 SH   DFND   1,300 2,397 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 57 480 SH   SOLE   480 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 1 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 680 8,641 SH   SOLE   8,641 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 151 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 432 9,361 SH   SOLE   9,331 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 2,840 21,744 SH   SOLE   21,744 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 643 4,920 SH   DFND   2,430 2,490 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 59 1,151 SH   SOLE   1,151 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 51 1,000 SH   DFND   0 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106 12 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448 219 4,532 SH   SOLE   4,532 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 7 255 SH   SOLE   255 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 5 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 7 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 233 630 SH   SOLE   630 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 46 912 SH   SOLE   912 0 0
NEW RESIDENTIAL INVESTMENT CORP REAL ESTATE 64828T201 13 800 SH   SOLE   800 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 7 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEWMONT GOLDCORP CORPORATION MATERIALS 651639106 41 1,312 SH   SOLE   1,312 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,411 7,255 SH   SOLE   7,255 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 319 1,640 SH   DFND   1,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 470 5,350 SH   SOLE   5,350 0 0
NOBLE ENERGY INC. ENERGY 655044105 3 100 SH   SOLE   0 0 100
NOBLE ENERGY INC. ENERGY 655044105 8 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 9 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 131 452 SH   SOLE   452 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 39 685 SH   SOLE   685 0 0
NUCOR MATERIALS 670346105 80 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 491 2,711 SH   SOLE   2,711 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 38 643 SH   SOLE   643 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 186 3,358 SH   SOLE   3,358 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 9 170 SH   DFND   0 170 0
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 4,918 112,902 SH   SOLE   112,313 0 589
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 24 554 SH   DFND   69 485 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 51 376 SH   SOLE   376 0 0
PPG INDUSTRIES MATERIALS 693506107 16 140 SH   SOLE   140 0 0
PPL CORP UTILITIES 69351T106 7 220 SH   SOLE   220 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 24 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 4 15 SH   SOLE   15 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,451 19,138 SH   SOLE   19,138 0 0
PEPSICO INC CONSUMER STAPLES 713448108 535 4,180 SH   DFND   1,845 2,335 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 12 125 SH   SOLE   125 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 505 12,441 SH   SOLE   12,441 0 0
PFIZER INC HEALTHCARE 717081103 307 7,556 SH   DFND   4,600 2,956 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 118 1,360 SH   SOLE   1,360 0 0
PHILLIPS 66 ENERGY 718546104 328 3,479 SH   SOLE   3,479 0 0
PHILLIPS 66 ENERGY 718546104 133 1,407 SH   DFND   1,095 312 0
PITNEY BOWES INFORMATION TECHNOLOGY 724479100 4 500 SH   SOLE   500 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 3 1,110 SH   SOLE   1,110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 6 50 SH   SOLE   50 0 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 23 1,440 SH   SOLE   1,440 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 25 233 SH   SOLE   233 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,561 24,055 SH   SOLE   24,020 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 778 7,302 SH   DFND   2,915 4,387 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 182 1,720 SH   SOLE   1,720 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 129 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 620 7,195 SH   SOLE   7,165 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 78 900 SH   DFND   665 235 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 4 100 SH   SOLE   100 0 0
QUEST DIAGNOSTICS HEALTHCARE 74834L100 3 27 SH   SOLE   27 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 71 398 SH   SOLE   398 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 89 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 45 131 SH   SOLE   131 0 0
RIO TINTO PLC MATERIALS 767204100 29 500 SH   SOLE   500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 3 103 SH   SOLE   103 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102 3 40 SH   SOLE   40 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 44 690 SH   SOLE   690 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 13,336 45,359 SH   SOLE   45,359 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 387 1,317 SH   DFND   722 595 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 112 924 SH   SOLE   924 0 0
SPDR S&P DIVIDEND ETF Exchange Traded Funds - Equity 78464A763 21 210 SH   SOLE   210 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 460 5,395 SH   SOLE   5,395 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 5,760 16,040 SH   SOLE   15,983 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 134 373 SH   DFND   0 373 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 45 275 SH   SOLE   275 0 0
SCHLUMBERGER LTD ENERGY 806857108 90 2,120 SH   SOLE   2,120 0 0
SCHLUMBERGER LTD ENERGY 806857108 43 1,000 SH   DFND   0 1,000 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 41 903 SH   SOLE   903 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 7 100 SH   SOLE   100 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100 130 2,270 SH   SOLE   2,270 0 0
HEALTH CARE SELECT SECTOR SPDR FUND HEALTHCARE 81369Y209 41 460 SH   SOLE   460 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND CONSUMER STAPLES 81369Y308 28 490 SH   SOLE   490 0 0
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FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 13 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND INDUSTRIALS 81369Y704 27 350 SH   SOLE   350 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 823 10,455 SH   SOLE   10,455 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 35 450 SH   DFND   0 450 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886 172 2,930 SH   SOLE   2,930 0 0
SEMPRA ENERGY UTILITIES 816851109 4 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 14 30 SH   SOLE   30 0 0
SCHOCKWAVE MEDICAL INC HEALTHCARE 82489T104 5 127 SH   SOLE   127 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 115 662 SH   SOLE   662 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 120 980 SH   SOLE   980 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 117 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 102 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 8 155 SH   SOLE   155 0 0
SOUTHERN CO UTILITIES 842587107 599 11,253 SH   SOLE   11,253 0 0
SOUTHERN CO UTILITIES 842587107 228 4,280 SH   DFND   2,850 1,430 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 25 465 SH   SOLE   465 0 0
SOUTHWEST GAS CORP ENERGY 844895102 12 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 7 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 396 5,102 SH   SOLE   5,102 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 7 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 5 145 SH   SOLE   145 0 0
STITCH FIX, INC. - CLASS A CONSUMER DISCRETIONARY 860897107 5 195 SH   SOLE   195 0 0
STRYKER CORP HEALTHCARE 863667101 560 2,963 SH   SOLE   2,963 0 0
STRYKER CORP HEALTHCARE 863667101 55 290 SH   DFND   180 110 0
SUNTRUST BANKS INC FINANCIALS 867914103 12 180 SH   SOLE   180 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 15 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 32 580 SH   SOLE   580 0 0
TABLEAU SOFTWARE INC-CL A INFORMATION TECHNOLOGY 87336U105 4 30 SH   SOLE   30 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 9 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 218 2,820 SH   SOLE   2,778 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 130 1,680 SH   DFND   670 1,010 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 12 255 SH   SOLE   255 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 46 194 SH   SOLE   194 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 7 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 58 490 SH   SOLE   490 0 0
TEXAS ROADHOUSE INC CONSUMER DISCRETIONARY 882681109 2 30 SH   SOLE   30 0 0
TEXTRON INC INDUSTRIALS 883203101 3 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 16 70 SH   SOLE   70 0 0
3M CO COM INDUSTRIALS 88579Y101 297 1,569 SH   SOLE   1,569 0 0
3M CO COM INDUSTRIALS 88579Y101 256 1,350 SH   DFND   835 515 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 22 388 SH   SOLE   388 0 0
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TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 126 875 SH   SOLE   875 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 25 3,170 SH   SOLE   3,170 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 11 1,400 SH   DFND   0 1,400 0
TWILIO INC. - A INFORMATION TECHNOLOGY 90138F102 7 48 SH   SOLE   48 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 175 3,282 SH   SOLE   3,282 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 7 300 SH   SOLE   300 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 10 170 SH   DFND   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108 75 423 SH   SOLE   423 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 211 1,988 SH   SOLE   1,988 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,463 17,271 SH   SOLE   17,239 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 430 3,015 SH   DFND   1,645 1,370 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 290 1,246 SH   SOLE   1,246 0 0
UNIVERSAL DISPLAY CORP INFORMATION TECHNOLOGY 91347P105 3 17 SH   SOLE   17 0 0
VAIL RESORTS INC. CONSUMER DISCRETIONARY 91879Q109 3 15 SH   SOLE   15 0 0
VALERO ENERGY NEW ENERGY 91913Y100 32 350 SH   SOLE   350 0 0
VALERO ENERGY NEW ENERGY 91913Y100 10 115 SH   DFND   0 115 0
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VANGUARD REAL ESTATE ETF Exchange Traded Funds - Equity 922908553 30 350 SH   DFND   0 350 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 425 7,433 SH   DFND   3,575 3,858 0
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VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 14 80 SH   DFND   0 80 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 16 100 SH   DFND   0 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 15 75 SH   SOLE   75 0 0
WP CAREY INC CONSUMER DISCRETIONARY 92936U109 0 1 SH   SOLE   1 0 0
WESTINGHOUSE AIR BRAKE TECHNOLOGY CORP INDUSTRIALS 929740108 11 147 SH   SOLE   101 46 0
WESTINGHOUSE AIR BRAKE TECHNOLOGY CORP INDUSTRIALS 929740108 0 3 SH   DFND   3 0 0
WALMART INC CONSUMER STAPLES 931142103 375 3,644 SH   SOLE   3,644 0 0
WALMART INC CONSUMER STAPLES 931142103 183 1,780 SH   DFND   1,500 280 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 1,112 10,360 SH   SOLE   10,360 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 254 2,365 SH   DFND   880 1,485 0
WELLS FARGO & CO NEW FINANCIALS 949746101 142 2,925 SH   SOLE   2,925 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 45 920 SH   DFND   700 220 0
WEYERHAEUSER COMPANY MATERIALS 962166104 4 150 SH   DFND   0 150 0
THE WILLIAMS CO. INC. ENERGY 969457100 66 2,331 SH   SOLE   2,331 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 4 600 SH   SOLE   600 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 21 685 SH   SOLE   685 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 8 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 63 600 SH   DFND   0 600 0
ZEBRA TECHNOLOGIES CORP CLASS A INFORMATION TECHNOLOGY 989207105 6 30 SH   SOLE   30 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 62 500 SH   DFND   0 500 0