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 75 600 SH   SOLE   600 0 0
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 675 3,507 SH   SOLE   3,507 0 0
EATON CORP PLC INDUSTRIALS G29183103 12 150 SH   SOLE   150 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 5 100 SH   SOLE   100 0 0
NOVOCURE LIMITED HEALTHCARE G6674U108 7 100 SH   SOLE   100 0 0
TE CONNECTIVITY LTD INFORMATION TECHNOLOGY H84989104 3 28 SH   SOLE   28 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 6 53 SH   SOLE   53 0 0
ROYAL CARIBBEAN CRUISES LTD CONSUMER DISCRETIONARY V7780T103 67 618 SH   SOLE   618 0 0
AFLAC INC. FINANCIALS 001055102 13 250 SH   DFND   0 250 0
AT&T INC. COMMUNICATION SERVICES 00206R102 1,729 45,694 SH   SOLE   45,634 0 60
AT&T INC. COMMUNICATION SERVICES 00206R102 398 10,521 SH   DFND   5,011 5,510 0
ABBOTT LABS HEALTHCARE 002824100 452 5,402 SH   SOLE   5,402 0 0
ABBOTT LABS HEALTHCARE 002824100 246 2,945 SH   DFND   1,250 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 729 9,624 SH   SOLE   9,624 0 0
ABBVIE INC. HEALTHCARE 00287Y109 223 2,945 SH   DFND   1,250 1,695 0
ABIOMED INC HEALTHCARE 003654100 2 10 SH   SOLE   10 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 67 1,270 SH   SOLE   1,270 0 0
ADOBE INC INFORMATION TECHNOLOGY 00724F101 102 369 SH   SOLE   369 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 7 SH   SOLE   7 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 87 800 SH   SOLE   800 0 0
ALLSTATE CORP FINANCIALS 020002101 33 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 131 3,196 SH   SOLE   3,196 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 3,099 1,785 SH   SOLE   1,785 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 35 20 SH   DFND   10 10 0
AMERICAN ELEC PWR INC UTILITIES 025537101 5 52 SH   SOLE   52 0 0
AMERICAN EXPRESS FINANCIALS 025816109 277 2,345 SH   SOLE   2,308 0 37
AMERICAN EXPRESS FINANCIALS 025816109 63 535 SH   DFND   235 300 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 15 269 SH   SOLE   269 0 0
AMERICAN TOWER CORPORATION COMMUNICATION SERVICES 03027X100 636 2,874 SH   SOLE   2,874 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 1 10 SH   SOLE   10 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 3 22 SH   SOLE   22 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 240 1,242 SH   SOLE   1,242 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 5 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 4,331 19,338 SH   SOLE   19,318 0 20
APPLE INC INFORMATION TECHNOLOGY 037833100 231 1,030 SH   DFND   640 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 144 2,890 SH   SOLE   2,890 0 0
AQUA AMERICA INC UTILITIES 03836W103 508 11,337 SH   SOLE   11,337 0 0
AQUA AMERICA INC UTILITIES 03836W103 39 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 18 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 88 2,644 SH   SOLE   2,644 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 18 395 SH   SOLE   395 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 614 3,802 SH   SOLE   3,802 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 450 2,790 SH   DFND   1,460 1,330 0
BP P.L.C. ENERGY 055622104 121 3,193 SH   SOLE   3,193 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 1 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 3 27 SH   SOLE   27 0 0
BALL CORPORATION MATERIALS 058498106 74 1,020 SH   SOLE   1,020 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 373 12,797 SH   SOLE   12,797 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 14 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 53 1,175 SH   SOLE   1,175 0 0
BAOUZUN INC-SPN ADR FOREIGN EQUITIES 06684L103 3 75 SH   SOLE   75 0 0
BARRICK GOLD CORP MATERIALS 067901108 3 145 SH   SOLE   145 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 87 1,000 SH   SOLE   1,000 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 405 1,602 SH   SOLE   1,602 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 59 235 SH   DFND   0 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,474 7,084 SH   SOLE   7,084 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 25 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 7 28 SH   SOLE   28 0 0
BLACKROCK INC FINANCIALS 09247X101 362 812 SH   SOLE   812 0 0
BLACKROCK INC FINANCIALS 09247X101 7 15 SH   DFND   0 15 0
BOEING INDUSTRIALS 097023105 1,179 3,098 SH   SOLE   3,073 0 25
BOEING INDUSTRIALS 097023105 379 995 SH   DFND   500 495 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 923 18,200 SH   SOLE   18,200 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 319 6,290 SH   DFND   3,000 3,290 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 1 35 SH   SOLE   35 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 11 100 SH   SOLE   100 0 0
CME GROUP INC. FINANCIALS 12572Q105 5 23 SH   SOLE   23 0 0
CSX CORPORATION INDUSTRIALS 126408103 331 4,785 SH   SOLE   4,785 0 0
CSX CORPORATION INDUSTRIALS 126408103 145 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 573 9,091 SH   SOLE   9,091 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 4 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 66 298 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 11 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 802 6,347 SH   SOLE   6,322 0 25
CATERPILLAR INC INDUSTRIALS 149123101 269 2,130 SH   DFND   1,485 645 0
CELGENE CORP HEALTHCARE 151020104 126 1,271 SH   SOLE   1,271 0 0
CELGENE CORP HEALTHCARE 151020104 11 115 SH   DFND   0 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 36 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 151 5,000 SH   DFND   5,000 0 0
CENTURYTEL INC COMMUNICATION SERVICES 156700106 7 535 SH   SOLE   535 0 0
CHARTER COMMUNICATIONS,INC-A COMMUNICATION SERVICES 16119P108 20 49 SH   SOLE   49 0 0
CHESAPEAKE ENERGY CORP ENERGY 165167107 2 1,250 SH   SOLE   1,250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,212 10,216 SH   SOLE   10,216 0 0
CHEVRON CORPORATION ENERGY 166764100 284 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 1,047 21,195 SH   SOLE   21,130 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 88 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 34 492 SH   SOLE   492 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 57 375 SH   SOLE   375 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 30 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 0 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 819 15,054 SH   SOLE   15,054 0 0
COCA COLA CO CONSUMER STAPLES 191216100 431 7,925 SH   DFND   4,080 3,845 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 36 600 SH   SOLE   600 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 1 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 787 10,704 SH   SOLE   10,669 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 204 2,770 SH   DFND   2,500 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 286 6,337 SH   SOLE   6,337 0 0
CONOCOPHILLIPS ENERGY 20825C104 497 8,732 SH   SOLE   8,732 0 0
CONOCOPHILLIPS ENERGY 20825C104 136 2,395 SH   DFND   1,860 535 0
CONSOLIDATED EDISON INC UTILITIES 209115104 122 1,291 SH   SOLE   1,291 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 96 3,383 SH   SOLE   3,383 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 418 1,452 SH   SOLE   1,452 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 41 255 SH   SOLE   255 0 0
CRONOS GROUP, INC. FOREIGN EQUITIES 22717L101 1 160 SH   SOLE   160 0 0
CUMMINS INC INDUSTRIALS 231021106 160 982 SH   SOLE   982 0 0
CUMMINS INC INDUSTRIALS 231021106 18 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 19 1,500 SH   SOLE   1,500 0 0
DTE ENERGY CO UTILITIES 233331107 37 280 SH   SOLE   280 0 0
DANAHER CORP HEALTHCARE 235851102 261 1,810 SH   SOLE   1,810 0 0
DANAHER CORP HEALTHCARE 235851102 121 835 SH   DFND   460 375 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 282 1,670 SH   SOLE   1,670 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 35 210 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 20 380 SH   SOLE   380 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 33 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,641 12,590 SH   SOLE   12,565 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 159 1,218 SH   DFND   0 1,218 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 76 940 SH   SOLE   940 0 0
DOCUSIGN INC INFORMATION TECHNOLOGY 256163106 6 90 SH   SOLE   90 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 24 150 SH   SOLE   150 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 251 3,098 SH   SOLE   3,098 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 51 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 15 60 SH   SOLE   60 0 0
DOW INC. MATERIALS 260557103 92 1,921 SH   SOLE   1,921 0 0
DOW INC. MATERIALS 260557103 28 597 SH   DFND   0 597 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 136 1,416 SH   SOLE   1,416 0 0
ECA MARCELLUS TRUST I ENERGY 26827L109 6 4,773 SH   SOLE   4,773 0 0
EOG RESOURCES INC ENERGY 26875P101 11 144 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 212 3,173 SH   SOLE   3,173 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 311 4,645 SH   DFND   1,450 3,195 0
ENBRIDGE INC ENERGY 29250N105 22 628 SH   SOLE   628 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 3 544 SH   SOLE   544 0 0
ENERGY TRANSFER LP COM UT LTD PTN ENERGY 29273V100 32 2,438 SH   SOLE   2,438 0 0
ENTERGY CORPORATION UTILITIES 29364G103 94 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 99 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 132 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 7 150 SH   SOLE   150 0 0
EXELON CORP UTILITIES 30161N101 66 1,365 SH   DFND   1,090 275 0
EXXON MOBIL CORP ENERGY 30231G102 1,605 22,725 SH   SOLE   22,688 0 37
EXXON MOBIL CORP ENERGY 30231G102 738 10,451 SH   DFND   1,837 8,614 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,144 6,422 SH   SOLE   6,422 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 31 175 SH   DFND   70 105 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 5 15 SH   SOLE   15 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 124 852 SH   SOLE   852 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 23 155 SH   DFND   125 30 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF INFORMATION TECHNOLOGY 316092808 30 465 SH   SOLE   465 0 0
FIDELITY MCSI REAL ESTATE INDEX ETF REAL ESTATE 316092857 31 1,109 SH   SOLE   1,109 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 32 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 15 308 SH   SOLE   308 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 104 11,340 SH   SOLE   11,340 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 3 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 3 50 SH   SOLE   50 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 20 287 SH   DFND   100 187 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 4 150 SH   SOLE   150 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 230 1,261 SH   SOLE   1,261 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 12 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 202 22,638 SH   SOLE   22,638 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 116 12,970 SH   DFND   3,140 9,730 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 29 520 SH   SOLE   520 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 154 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 197 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 24 1,000 SH   SOLE   1,000 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 4 105 SH   SOLE   105 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 17 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 21 100 SH   SOLE   100 0 0
GUARDANT HEALTH INC. HEALTHCARE 40131M109 7 115 SH   SOLE   115 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 23 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 7 365 SH   SOLE   365 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 11 310 SH   SOLE   310 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 49 1,235 SH   SOLE   1,235 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 31 200 SH   SOLE   200 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,489 6,417 SH   SOLE   6,417 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 702 3,025 SH   DFND   1,000 2,025 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 127 751 SH   SOLE   751 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 13 85 SH   SOLE   85 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 162 1,034 SH   SOLE   1,034 0 0
INGREDION INC CONSUMER STAPLES 457187102 26 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,289 44,437 SH   SOLE   44,372 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 556 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 756 5,198 SH   SOLE   5,198 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 226 1,552 SH   DFND   500 1,052 0
INTERNATIONAL PAPER CO MATERIALS 460146103 84 2,005 SH   SOLE   1,970 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 4 100 SH   DFND   0 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 21 39 SH   SOLE   39 0 0
INVESCO GLOBAL WATER ETF Exchange Traded Funds - Equity 46138E651 42 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 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 34 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 2 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 986 7,500 SH   SOLE   7,500 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 144 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,244 53,696 SH   SOLE   53,211 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 916 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 427 3,774 SH   SOLE   3,774 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 14 340 SH   SOLE   340 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 9 50 SH   SOLE   50 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 471 7,227 SH   SOLE   7,140 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 66 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 CORE S&P MID CAP ETF Exchange Traded Funds - Equity 464287507 74 383 SH   SOLE   383 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 355 2,223 SH   SOLE   2,223 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 195 1,010 SH   SOLE   1,010 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 3,127 40,168 SH   SOLE   40,088 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 81 1,043 SH   DFND   0 1,043 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 29 2,655 SH   SOLE   2,655 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 37 330 SH   SOLE   330 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 26 605 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 6 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 2,102 17,857 SH   SOLE   17,832 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 227 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 2,858 22,092 SH   SOLE   22,062 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 743 5,745 SH   DFND   2,000 3,745 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 13 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 10 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 179 1,262 SH   SOLE   1,262 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 152 1,070 SH   DFND   1,000 70 0
ESTEE LAUDER COMPANIES-CL A CONSUMER STAPLES 518439104 5 23 SH   SOLE   23 0 0
ELI LILLY & CO HEALTHCARE 532457108 380 3,402 SH   SOLE   3,402 0 0
ELI LILLY & CO HEALTHCARE 532457108 324 2,895 SH   DFND   2,750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 9 50 SH   SOLE   50 0 0
LLOYDS TSB GROUP PLC FOREIGN EQUITIES 539439109 3 1,000 SH   SOLE   1,000 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 1,480 3,794 SH   SOLE   3,794 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 452 1,160 SH   DFND   840 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 328 2,983 SH   SOLE   2,908 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 88 800 SH   DFND   800 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 17 945 SH   SOLE   945 0 0
MARATHON PETROLEUM CORPORATION ENERGY 56585A102 174 2,862 SH   SOLE   2,862 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 12 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 137 504 SH   SOLE   504 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 18 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 6 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 42 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 109 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,750 8,151 SH   SOLE   8,136 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 794 3,697 SH   DFND   1,300 2,397 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 66 480 SH   SOLE   480 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 2 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 659 7,828 SH   SOLE   7,828 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 162 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 448 9,494 SH   SOLE   9,464 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 3,025 21,756 SH   SOLE   21,756 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 684 4,920 SH   DFND   2,430 2,490 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 64 1,151 SH   SOLE   1,151 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 55 1,000 SH   DFND   0 1,000 0
MONGODB, INC. INFORMATION TECHNOLOGY 60937P106 11 88 SH   SOLE   88 0 0
MORGAN STANLEY FINANCIALS 617446448 196 4,602 SH   SOLE   4,602 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 6 187 SH   SOLE   187 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 5 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 5 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 157 585 SH   SOLE   585 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 41 912 SH   SOLE   912 0 0
NEW RESIDENTIAL INVESTMENT CORP REAL ESTATE 64828T201 16 1,010 SH   SOLE   1,010 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 4 65 SH   SOLE   65 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEWMONT GOLDCORP CORPORATION MATERIALS 651639106 50 1,312 SH   SOLE   1,312 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,678 7,201 SH   SOLE   7,201 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 382 1,640 SH   DFND   1,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 503 5,360 SH   SOLE   5,360 0 0
NOBLE ENERGY INC. ENERGY 655044105 7 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 8 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 169 452 SH   SOLE   452 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 31 600 SH   SOLE   600 0 0
NUCOR MATERIALS 670346105 71 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 478 2,746 SH   SOLE   2,746 0 0
O'SHARES FTSE US QUALITY DIVIDEND ETF Exchange Traded Funds - Equity 67110P407 141 4,059 SH   SOLE   4,059 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 36 808 SH   SOLE   808 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 185 3,358 SH   SOLE   3,358 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 9 170 SH   DFND   0 170 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 53 376 SH   SOLE   376 0 0
PPG INDUSTRIES MATERIALS 693506107 17 140 SH   SOLE   140 0 0
PPL CORP UTILITIES 69351T106 7 220 SH   SOLE   220 0 0
PACIRA BIOSCIENCES, INC HEALTHCARE 695127100 23 600 SH   SOLE   600 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 3 15 SH   SOLE   15 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,635 19,223 SH   SOLE   19,223 0 0
PEPSICO INC CONSUMER STAPLES 713448108 573 4,180 SH   DFND   1,845 2,335 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 11 125 SH   SOLE   125 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 590 16,423 SH   SOLE   16,423 0 0
PFIZER INC HEALTHCARE 717081103 271 7,556 SH   DFND   4,600 2,956 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 126 1,666 SH   SOLE   1,666 0 0
PHILLIPS 66 ENERGY 718546104 358 3,499 SH   SOLE   3,499 0 0
PHILLIPS 66 ENERGY 718546104 144 1,407 SH   DFND   1,095 312 0
PITNEY BOWES INFORMATION TECHNOLOGY 724479100 5 1,057 SH   SOLE   1,057 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 3 1,110 SH   SOLE   1,110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 5 50 SH   SOLE   50 0 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 24 1,665 SH   SOLE   1,665 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 27 233 SH   SOLE   233 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 3,038 24,427 SH   SOLE   24,392 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 908 7,302 SH   DFND   2,915 4,387 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 154 1,716 SH   SOLE   1,716 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 110 1,779 SH   SOLE   1,779 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 534 7,003 SH   SOLE   6,973 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 69 900 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 78 398 SH   SOLE   398 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 98 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 36 131 SH   SOLE   131 0 0
REPLIGEN CORPORATION HEALTHCARE 759916109 8 100 SH   SOLE   100 0 0
RIO TINTO PLC MATERIALS 767204100 26 500 SH   SOLE   500 0 0
ROCHE HOLDING AG HEALTHCARE 771195104 4 103 SH   SOLE   103 0 0
ROYAL DUTCH SHELL PLC-ADR ENERGY 780259107 4 64 SH   SOLE   64 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 49 840 SH   SOLE   840 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 13,066 44,030 SH   SOLE   44,030 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 391 1,317 SH   DFND   722 595 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 148 1,064 SH   SOLE   1,064 0 0
SPDR LOW CARBON TARGET ETF Exchange Traded Funds - Equity 78463X194 10 110 SH   SOLE   110 0 0
SPDR S&P DIVIDEND ETF Exchange Traded Funds - Equity 78464A763 22 210 SH   SOLE   210 0 0
ETF SPDR S&P BIOTECH HEALTHCARE 78464A870 400 5,245 SH   SOLE   5,245 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE TRUST ETF Exchange Traded Funds - Equity 78467X109 7 25 SH   SOLE   25 0 0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W MUTUAL FUND 78467Y10W 93 263 SH   SOLE   263 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 5,429 15,403 SH   SOLE   15,346 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 131 373 SH   DFND   0 373 0
SPDR GENDER DIVERSITY INDEX ETF Exchange Traded Funds - Equity 78468R747 15 200 SH   SOLE   200 0 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 49 333 SH   SOLE   333 0 0
SCHLUMBERGER LTD ENERGY 806857108 95 2,770 SH   SOLE   2,770 0 0
SCHLUMBERGER LTD ENERGY 806857108 34 1,000 SH   DFND   0 1,000 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 24 568 SH   SOLE   568 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 9 100 SH   SOLE   100 0 0
MATERIAL SELECT SECTOR SPDR TRUST MATERIALS 81369Y100 132 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 81 1,323 SH   SOLE   1,323 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND CONSUMER DISCRETIONARY 81369Y407 92 760 SH   SOLE   760 0 0
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 311 5,255 SH   SOLE   5,255 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 134 4,800 SH   SOLE   4,800 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIALS 81369Y605 13 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND INDUSTRIALS 81369Y704 8 100 SH   SOLE   100 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 892 11,076 SH   SOLE   11,076 0 0
TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 36 450 SH   DFND   0 450 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND COMMUNICATION SERVICES 81369Y852 82 1,661 SH   SOLE   1,661 0 0
AMEX UTILITIES SELECT INDEX SHS BEN INT UTILITIES 81369Y886 190 2,930 SH   SOLE   2,930 0 0
SEMPRA ENERGY UTILITIES 816851109 172 1,166 SH   SOLE   1,166 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 16 30 SH   SOLE   30 0 0
SCHOCKWAVE MEDICAL INC HEALTHCARE 82489T104 4 127 SH   SOLE   127 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 110 708 SH   SOLE   708 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 94 855 SH   SOLE   855 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 105 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 95 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 9 155 SH   SOLE   155 0 0
SOUTHERN CO UTILITIES 842587107 655 10,608 SH   SOLE   10,608 0 0
SOUTHERN CO UTILITIES 842587107 264 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 14 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 6 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 451 5,102 SH   SOLE   5,102 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 8 92 SH   DFND   0 92 0
STITCH FIX, INC. - CLASS A CONSUMER DISCRETIONARY 860897107 4 195 SH   SOLE   195 0 0
STRYKER CORP HEALTHCARE 863667101 653 3,018 SH   SOLE   3,018 0 0
STRYKER CORP HEALTHCARE 863667101 63 290 SH   DFND   180 110 0
SUNTRUST BANKS INC FINANCIALS 867914103 13 195 SH   SOLE   195 0 0
SYNOPSYS INC INFORMATION TECHNOLOGY 871607107 3 20 SH   SOLE   20 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 17 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 32 580 SH   SOLE   580 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 12 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 305 2,850 SH   SOLE   2,808 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 180 1,680 SH   DFND   670 1,010 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 8 255 SH   SOLE   255 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 40 164 SH   SOLE   164 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 3 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 70 539 SH   SOLE   539 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 15 80 SH   SOLE   80 0 0
3M CO COM INDUSTRIALS 88579Y101 255 1,554 SH   SOLE   1,554 0 0
3M CO COM INDUSTRIALS 88579Y101 222 1,350 SH   DFND   835 515 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 27 469 SH   SOLE   469 0 0
TOTAL SA FOREIGN EQUITIES 89151E109 104 2,000 SH   SOLE   2,000 0 0
TRAVELERS COS INC FINANCIALS 89417E109 130 875 SH   SOLE   875 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 26 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 10 93 SH   SOLE   93 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 186 3,362 SH   SOLE   3,362 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 6 300 SH   SOLE   300 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 26 440 SH   SOLE   440 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 10 170 SH   DFND   0 170 0
UNION PACIFIC CORP INDUSTRIALS 907818108 73 453 SH   SOLE   453 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 209 1,744 SH   SOLE   1,744 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,350 17,216 SH   SOLE   17,184 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 412 3,015 SH   DFND   1,645 1,370 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 251 1,155 SH   SOLE   1,155 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 42 495 SH   SOLE   495 0 0
VALERO ENERGY NEW ENERGY 91913Y100 10 115 SH   DFND   0 115 0
VANECK VECTORS GREEN BOND -ETF ETF's - Fixed Income 92189F171 10 385 SH   SOLE   385 0 0
ETF VANGUARD TOTAL INTL STOCK MUTUAL FUND 921909768 1,254 24,275 SH   SOLE   24,275 0 0
VANGUARD SHORT-TERM BOND ETF ETF's - Fixed Income 921937827 7 81 SH   SOLE   81 0 0
VANGUARD TOTAL BOND MARKET FUND ETF FIXED INCOME 921937835 984 11,660 SH   SOLE   11,660 0 0
VANGUARD FTSE DEVELOPED MARKET ETF MUTUAL FUND 921943858 666 16,208 SH   SOLE   16,208 0 0
VANGUARD MSCI EMERGING MARKETS ETF MUTUAL FUND 922042858 1,040 25,840 SH   SOLE   25,730 0 110
VANGUARD MSCI EMERGING MARKETS ETF MUTUAL FUND 922042858 52 1,285 SH   DFND   910 375 0
ETF VANGUARD RUSSELL 3000 MUTUAL FUND 92206C599 8,754 64,755 SH   SOLE   64,755 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Funds - Equity 922908553 20 215 SH   SOLE   215 0 0
VANGUARD REAL ESTATE ETF Exchange Traded Funds - Equity 922908553 33 350 SH   DFND   0 350 0
VANGUARD MID-CAP ETF Exchange Traded Funds - Equity 922908629 1,886 11,250 SH   SOLE   11,250 0 0
VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND 922908769 547 3,625 SH   SOLE   3,625 0 0
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 1,540 25,511 SH   SOLE   25,444 0 67
VERIZON COMMUNICATIONS INC COMMUNICATION SERVICES 92343V104 449 7,433 SH   DFND   3,575 3,858 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 4 25 SH   SOLE   25 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 330 1,920 SH   SOLE   1,920 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 17 100 SH   DFND   0 100 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 11 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 0 3 SH   DFND   3 0 0
WALMART INC CONSUMER STAPLES 931142103 436 3,674 SH   SOLE   3,674 0 0
WALMART INC CONSUMER STAPLES 931142103 211 1,780 SH   DFND   1,500 280 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 1,154 10,033 SH   SOLE   10,033 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 272 2,365 SH   DFND   880 1,485 0
WELLS FARGO & CO NEW FINANCIALS 949746101 146 2,895 SH   SOLE   2,895 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 46 920 SH   DFND   700 220 0
THE WILLIAMS CO. INC. ENERGY 969457100 60 2,506 SH   SOLE   2,506 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 3 600 SH   SOLE   600 0 0
WISDOMTREE EMERGING MARKETS EX-STATE OWNED ENTER Exchange Traded Funds - Equity 97717X578 81 2,922 SH   SOLE   2,922 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 27 685 SH   SOLE   685 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 9 80 SH   SOLE   80 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 68 600 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 69 500 SH   DFND   0 500 0
ZUORA INC INFORMATION TECHNOLOGY 98983V106 7 494 SH   SOLE   494 0 0