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
3M Company Equities 88579Y101 401 2,250 SH   DFND   2,200 0 50
3M Company Equities 88579Y101 3,338 18,694 SH   SOLE   18,224 265 205
Abbott Laboratories Equities 002824100 68 1,795 SH   DFND   1,660 135 0
Abbott Laboratories Equities 002824100 1,249 32,542 SH   SOLE   29,712 80 2,750
Abbvie Inc Equities 00287Y109 2,001 31,964 SH   SOLE   28,609 80 3,275
Abbvie Inc Equities 00287Y109 191 3,063 SH   DFND   2,740 323 0
Accenture PLC Equities G1151C101 423 3,619 SH   SOLE   3,619 0 0
Adient PLC Equities G0084W101 194 3,312 SH   SOLE   3,312 0 0
Adient PLC Equities G0084W101 11 193 SH   DFND   181 12 0
Adobe Sys Inc. Equities 00724F101 263 2,558 SH   SOLE   488 0 2,070
Aetna Inc New Equities 00817Y108 77 625 SH   DFND   500 0 125
Aetna Inc New Equities 00817Y108 1,265 10,207 SH   SOLE   10,147 0 60
Aflac, Inc. Equities 001055102 1,143 16,435 SH   SOLE   16,435 0 0
Aflac, Inc. Equities 001055102 103 1,483 SH   DFND   1,483 0 0
Allstate Corp. Equities 020002101 765 10,331 SH   SOLE   4,029 0 6,302
Alphabet Inc Class A Equities 02079K305 1,812 2,287 SH   SOLE   2,050 15 222
Alphabet Inc Class A Equities 02079K305 121 153 SH   DFND   153 0 0
Alphabet Inc Class C Equities 02079K107 104 136 SH   DFND   121 0 15
Alphabet Inc Class C Equities 02079K107 1,525 1,976 SH   SOLE   1,733 15 228
Altria Group Inc Equities 02209S103 31 459 SH   DFND   84 0 375
Altria Group Inc Equities 02209S103 741 10,962 SH   SOLE   6,720 0 4,242
Amazon Com Inc Equities 023135106 203 272 SH   SOLE   251 0 21
American Express Co Equities 025816109 1,153 15,568 SH   SOLE   15,343 0 225
American Express Co Equities 025816109 14 190 SH   DFND   190 0 0
American Water Works Company Equities 030420103 453 6,262 SH   SOLE   6,262 0 0
Amern Intl Group Inc New Equities 026874784 401 6,140 SH   SOLE   6,030 0 110
Amgen Inc. Equities 031162100 58 400 SH   DFND   200 200 0
Amgen Inc. Equities 031162100 1,090 7,459 SH   SOLE   6,915 44 500
Apache Corp Equities 037411105 12 200 SH   DFND   200 0 0
Apache Corp Equities 037411105 218 3,437 SH   SOLE   3,337 100 0
Apple Inc Equities 037833100 754 6,515 SH   DFND   6,095 0 420
Apple Inc Equities 037833100 6,046 52,202 SH   SOLE   46,747 0 5,455
AT&T Inc. Equities 00206R102 4,685 110,180 SH   SOLE   104,505 200 5,475
AT&T Inc. Equities 00206R102 495 11,648 SH   DFND   7,716 3,707 225
Automatic Data Processing Inc Equities 053015103 514 5,009 SH   SOLE   4,219 240 550
Automatic Data Processing Inc Equities 053015103 254 2,475 SH   DFND   2,425 0 50
Bank Amer Corp Equities 060505104 2,746 124,292 SH   SOLE   123,147 0 1,145
Bank Amer Corp Equities 060505104 16 732 SH   DFND   732 0 0
Bank New York Mellon Corp Equities 064058100 283 5,977 SH   SOLE   5,222 350 405
Bank New York Mellon Corp Equities 064058100 85 1,800 SH   DFND   1,800 0 0
Bank of the Ozarks, Inc. Equities 063904106 257 4,900 SH   SOLE   0 0 4,900
Bard CR Inc Equities 067383109 123 550 SH   DFND   550 0 0
Bard CR Inc Equities 067383109 104 467 SH   SOLE   467 0 0
Baxter International, Inc. Equities 071813109 510 11,511 SH   SOLE   11,511 0 0
BB&T Corp Equities 054937107 119 2,535 SH   DFND   2,535 0 0
BB&T Corp Equities 054937107 401 8,542 SH   SOLE   8,542 0 0
Becton Dickinson & Co Equities 075887109 568 3,437 SH   SOLE   2,937 0 500
Berkshire Hathaway Inc Cl B Equities 084670702 16 100 SH   DFND   0 0 100
Berkshire Hathaway Inc Cl B Equities 084670702 1,041 6,391 SH   SOLE   6,366 0 25
Blackrock Inc Equities 09247X101 1,227 3,226 SH   SOLE   3,166 40 20
Blackrock Inc Equities 09247X101 41 110 SH   DFND   110 0 0
Boeing Co Equities 097023105 1,281 8,230 SH   SOLE   7,780 0 450
Boeing Co Equities 097023105 124 800 SH   DFND   800 0 0
BP Plc Sponsored Adr Equities 055622104 14 400 SH   DFND   400 0 0
BP Plc Sponsored Adr Equities 055622104 218 5,837 SH   SOLE   5,286 0 551
Bristol-Myers Squibb Co. Equities 110122108 236 4,050 SH   DFND   3,500 550 0
Bristol-Myers Squibb Co. Equities 110122108 3,382 57,888 SH   SOLE   57,338 0 550
Broadstone Net Lease LLC Equities BROADS998 472 6,139 SH   DFND   6,139 0 0
C H Robinson Worldwide Inc. New Equities 12541W209 12 168 SH   DFND   168 0 0
C H Robinson Worldwide Inc. New Equities 12541W209 330 4,517 SH   SOLE   4,517 0 0
CA Inc. Equities 12673P105 327 10,300 SH   SOLE   10,300 0 0
Canadian Natl Ry Co Equities 136375102 154 2,290 SH   DFND   2,290 0 0
Canadian Natl Ry Co Equities 136375102 678 10,063 SH   SOLE   8,923 900 240
Cardinal Health Inc. Equities 14149Y108 613 8,525 SH   SOLE   8,525 0 0
Caterpillar Inc Equities 149123101 208 2,252 SH   DFND   2,252 0 0
Caterpillar Inc Equities 149123101 1,424 15,356 SH   SOLE   14,621 0 735
Celegene Corp Equities 151020104 1,266 10,943 SH   SOLE   10,943 0 0
Celegene Corp Equities 151020104 73 631 SH   DFND   631 0 0
Chevron Corporation Equities 166764100 301 2,565 SH   DFND   2,298 117 150
Chevron Corporation Equities 166764100 6,482 55,077 SH   SOLE   53,703 175 1,199
Chubb Limited Equities H1467J104 287 2,177 SH   SOLE   2,177 0 0
Cisco Systems Equities 17275R102 1,868 61,835 SH   SOLE   57,460 775 3,600
Cisco Systems Equities 17275R102 114 3,800 SH   DFND   3,600 0 200
Citigroup Inc Com New Equities 172967424 244 4,121 SH   SOLE   4,121 0 0
Citigroup Inc Com New Equities 172967424 0 15 SH   DFND   15 0 0
Clorox Co Equities 189054109 1,057 8,812 SH   SOLE   8,812 0 0
Clorox Co Equities 189054109 72 600 SH   DFND   600 0 0
Coca Cola Co Equities 191216100 678 16,360 SH   DFND   16,210 0 150
Coca Cola Co Equities 191216100 3,245 78,286 SH   SOLE   77,056 450 780
Colgate Palmolive Co Equities 194162103 39 611 SH   DFND   611 0 0
Colgate Palmolive Co Equities 194162103 1,184 18,101 SH   SOLE   17,856 0 245
Comcast Corp New Cl A Equities 20030N101 883 12,789 SH   SOLE   12,459 150 180
Comcast Corp New Cl A Equities 20030N101 24 350 SH   DFND   250 0 100
ConocoPhillips Equities 20825C104 172 3,432 SH   DFND   3,232 0 200
ConocoPhillips Equities 20825C104 1,222 24,391 SH   SOLE   24,241 0 150
Cons Edison Inc Equities 209115104 143 1,943 SH   SOLE   1,943 0 0
Cons Edison Inc Equities 209115104 58 800 SH   DFND   800 0 0
Constellation Brands Inc Cl A Equities 21036P108 153 1,000 SH   DFND   1,000 0 0
Constellation Brands Inc Cl A Equities 21036P108 4,341 28,319 SH   SOLE   27,304 0 1,015
Constellation Brands Inc Cl B Equities 21036P207 612 4,000 SH   SOLE   4,000 0 0
Corning Inc. Equities 219350105 75 3,100 SH   DFND   1,900 600 600
Corning Inc. Equities 219350105 1,012 41,725 SH   SOLE   39,525 0 2,200
Costco Whsl Corp New Equities 22160K105 8 50 SH   DFND   0 0 50
Costco Whsl Corp New Equities 22160K105 314 1,962 SH   SOLE   1,822 0 140
CSX Corp Equities 126408103 25 700 SH   DFND   600 0 100
CSX Corp Equities 126408103 271 7,565 SH   SOLE   7,240 0 325
Cummins Engine Co Inc Equities 231021106 169 1,242 SH   SOLE   842 0 400
Cummins Engine Co Inc Equities 231021106 38 280 SH   DFND   240 0 40
CVS Health Corp Equities 126650100 3,865 48,985 SH   SOLE   47,477 58 1,450
CVS Health Corp Equities 126650100 169 2,143 SH   DFND   2,043 0 100
Danaher Corp Equities 235851102 1,390 17,865 SH   SOLE   17,865 0 0
Darden Restaurants Inc Equities 237194105 255 3,520 SH   DFND   770 2,750 0
Darden Restaurants Inc Equities 237194105 1,194 16,429 SH   SOLE   16,374 0 55
Deere & Co Equities 244199105 35 345 SH   DFND   275 70 0
Deere & Co Equities 244199105 1,586 15,399 SH   SOLE   13,724 0 1,675
Dell Technologies Inc Class V Equities 24703L103 6 113 SH   DFND   113 0 0
Dell Technologies Inc Class V Equities 24703L103 230 4,185 SH   SOLE   4,128 0 57
Dicks Sporting Goods Inc Equities 253393102 1,422 26,797 SH   SOLE   26,797 0 0
Dicks Sporting Goods Inc Equities 253393102 10 191 SH   DFND   191 0 0
Digital Rlty Tr Inc Equities 253868103 1,082 11,013 SH   SOLE   10,628 200 185
Digital Rlty Tr Inc Equities 253868103 114 1,170 SH   DFND   745 325 100
Disney Walt Co Equities 254687106 411 3,950 SH   DFND   3,950 0 0
Disney Walt Co Equities 254687106 4,187 40,177 SH   SOLE   39,227 125 825
Dominion Res Inc VA New Equities 25746U109 153 2,000 SH   DFND   2,000 0 0
Dominion Res Inc VA New Equities 25746U109 157 2,052 SH   SOLE   1,852 0 200
Dow Chemical Co Equities 260543103 1,943 33,973 SH   SOLE   32,733 225 1,015
Dow Chemical Co Equities 260543103 54 950 SH   DFND   950 0 0
Du Pont De Nemours Ei Co Equities 263534109 174 2,371 SH   DFND   846 1,400 125
Du Pont De Nemours Ei Co Equities 263534109 2,816 38,377 SH   SOLE   32,377 0 6,000
Duke Energy Corp New Equities 26441C204 563 7,260 SH   SOLE   7,080 0 180
Duke Energy Corp New Equities 26441C204 41 532 SH   DFND   532 0 0
Eastman Chemical Co. Equities 277432100 1,094 14,551 SH   SOLE   13,623 0 928
Eastman Chemical Co. Equities 277432100 77 1,027 SH   DFND   1,027 0 0
Eaton Corp PLC Equities G29183103 718 10,713 SH   SOLE   8,186 0 2,527
Eaton Corp PLC Equities G29183103 75 1,120 SH   DFND   1,120 0 0
Eber Bros & Co Class A Equities 278652102 462 1,850 SH   DFND   1,850 0 0
Emerson Elec Co Equities 291011104 1,452 26,061 SH   SOLE   25,636 0 425
Emerson Elec Co Equities 291011104 58 1,050 SH   DFND   1,050 0 0
Entergy Corp Equities 29364G103 53 725 SH   DFND   725 0 0
Entergy Corp Equities 29364G103 343 4,673 SH   SOLE   4,673 0 0
Exelon Corp Equities 30161N101 23 650 SH   DFND   650 0 0
Exelon Corp Equities 30161N101 403 11,367 SH   SOLE   10,267 0 1,100
Expeditors Intl Wash Inc Equities 302130109 354 6,690 SH   SOLE   6,690 0 0
Expeditors Intl Wash Inc Equities 302130109 1 25 SH   DFND   25 0 0
Express Scripts Hldg Co Equities 30219G108 2,327 33,829 SH   SOLE   30,934 230 2,665
Express Scripts Hldg Co Equities 30219G108 133 1,945 SH   DFND   1,945 0 0
Exxon-Mobil Corp Equities 30231G102 18,968 210,150 SH   SOLE   190,088 1,171 18,891
Exxon-Mobil Corp Equities 30231G102 1,575 17,456 SH   DFND   11,361 5,885 210
Facebook Equities 30303M102 11 100 SH   DFND   100 0 0
Facebook Equities 30303M102 887 7,710 SH   SOLE   7,650 0 60
FedEx Corp. Equities 31428X106 326 1,754 SH   SOLE   1,754 0 0
Fifth Third Bancorp Equities 316773100 221 8,200 SH   SOLE   8,200 0 0
Financial Institutions, Inc Equities 317585404 9,888 289,144 SH   SOLE   288,844 0 300
Financial Institutions, Inc Equities 317585404 7,539 220,461 SH   DFND   220,461 0 0
Financial Instn 8.48 Ser B 1 Equities 317585305 2,779 27,797 SH   DFND   27,797 0 0
Financial Instn 8.48 Ser B 1 Equities 317585305 541 5,418 SH   SOLE   5,418 0 0
Fiserv Inc. Equities 337738108 356 3,350 SH   SOLE   3,350 0 0
Ford Motor Company Equities 345370860 18 1,500 SH   DFND   1,500 0 0
Ford Motor Company Equities 345370860 508 41,890 SH   SOLE   39,890 0 2,000
Fortive Corp Equities 34959J108 488 9,110 SH   SOLE   9,110 0 0
General Dynamics Corp Equities 369550108 1,562 9,052 SH   SOLE   8,902 150 0
General Electric Co. Equities 369604103 10,130 320,579 SH   SOLE   308,034 325 12,220
General Electric Co. Equities 369604103 648 20,534 SH   DFND   19,684 0 850
General Mills Inc Equities 370334104 437 7,085 SH   DFND   1,585 5,500 0
General Mills Inc Equities 370334104 1,480 23,963 SH   SOLE   23,763 0 200
Gilead Sci Inc. Equities 375558103 1,819 25,414 SH   SOLE   21,129 0 4,285
Gilead Sci Inc. Equities 375558103 93 1,300 SH   DFND   1,300 0 0
Glaxo Smithkline Sponsored Adr Equities 37733W105 213 5,535 SH   SOLE   5,535 0 0
Glaxo Smithkline Sponsored Adr Equities 37733W105 10 275 SH   DFND   275 0 0
Goldman Sachs Group Inc. Equities 38141G104 95 400 SH   DFND   400 0 0
Goldman Sachs Group Inc. Equities 38141G104 1,213 5,068 SH   SOLE   5,068 0 0
Halliburton Co Equities 406216101 235 4,358 SH   SOLE   4,258 0 100
Halliburton Co Equities 406216101 54 1,000 SH   DFND   1,000 0 0
Home Depot Inc Equities 437076102 117 875 SH   DFND   825 0 50
Home Depot Inc Equities 437076102 1,464 10,919 SH   SOLE   10,000 50 869
Honeywell Intl Inc Equities 438516106 1,541 13,308 SH   SOLE   12,808 0 500
Honeywell Intl Inc Equities 438516106 98 850 SH   DFND   850 0 0
Hyster Yale B shares Equities 449172204 1,826 32,000 SH   SOLE   32,000 0 0
Hyster-Yale Matls Handling Inc Equities 449172105 1,651 25,900 SH   SOLE   25,900 0 0
IAC / Interactive Corp Equities 44919P508 242 3,741 SH   SOLE   3,741 0 0
Illinois Tool Works Inc Equities 452308109 278 2,274 SH   SOLE   2,274 0 0
Ingersoll-Rand PLC Equities G47791101 516 6,880 SH   SOLE   6,780 0 100
Ingersoll-Rand PLC Equities G47791101 117 1,572 SH   DFND   0 1,572 0
Intel Corp. Equities 458140100 117 3,252 SH   DFND   3,102 0 150
Intel Corp. Equities 458140100 3,186 87,859 SH   SOLE   84,409 0 3,450
Intercontinental Exchange Inc Equities 45866F104 455 8,065 SH   SOLE   7,915 0 150
Intl Business Machines Corp Equities 459200101 411 2,479 SH   DFND   1,430 1,002 47
Intl Business Machines Corp Equities 459200101 4,846 29,198 SH   SOLE   28,626 50 522
Intuitive Surgical Equities 46120E602 1,069 1,686 SH   SOLE   1,661 25 0
Jacobs Engineering Group,Inc. Equities 469814107 1,266 22,224 SH   SOLE   22,124 100 0
JCI Limited Zar0.01 Equities S3962R167 10 10,231 SH   SOLE   10,231 0 0
JCI Limited Zar0.01 Equities S3962R167 19 19,211 SH   DFND   19,211 0 0
Johnson & Johnson Equities 478160104 1,107 9,613 SH   DFND   9,369 100 144
Johnson & Johnson Equities 478160104 10,791 93,671 SH   SOLE   91,786 650 1,235
Johnson Ctls Intl Plc Equities G51502105 1,817 44,124 SH   SOLE   44,124 0 0
Johnson Ctls Intl Plc Equities G51502105 103 2,513 SH   DFND   2,393 120 0
JP Morgan Chase & Co Equities 46625H100 7,944 92,063 SH   SOLE   89,688 125 2,250
JP Morgan Chase & Co Equities 46625H100 700 8,115 SH   DFND   3,905 4,210 0
Kellogg Co Equities 487836108 806 10,941 SH   SOLE   10,941 0 0
Kellogg Co Equities 487836108 30 415 SH   DFND   415 0 0
Kimberly Clark Corp Equities 494368103 1,284 11,254 SH   SOLE   10,804 150 300
Kimberly Clark Corp Equities 494368103 14 125 SH   DFND   125 0 0
Kohls Corp Equities 500255104 119 2,415 SH   DFND   2,253 162 0
Kohls Corp Equities 500255104 1,536 31,117 SH   SOLE   31,117 0 0
Kraft Heinz Co Equities 500754106 897 10,276 SH   SOLE   9,776 0 500
Kraft Heinz Co Equities 500754106 7 86 SH   DFND   0 0 86
Lennar Corporation Equities 526057104 357 8,317 SH   SOLE   8,317 0 0
Lennar Corporation Equities 526057104 141 3,300 SH   DFND   3,300 0 0
Life Storage Inc REIT Equities 53223X107 27 325 SH   DFND   325 0 0
Life Storage Inc REIT Equities 53223X107 222 2,612 SH   SOLE   2,462 150 0
Lilly Eli & Co Equities 532457108 180 2,450 SH   DFND   2,450 0 0
Lilly Eli & Co Equities 532457108 501 6,813 SH   SOLE   6,530 0 283
Lockheed Martin Corp Com Equities 539830109 231 925 SH   DFND   725 200 0
Lockheed Martin Corp Com Equities 539830109 2,752 11,014 SH   SOLE   10,770 114 130
Lowes Companies Inc Equities 548661107 1,178 16,564 SH   SOLE   7,439 600 8,525
Lyons Bancorp, Inc. Equities 552112104 18 600 SH   DFND   600 0 0
Lyons Bancorp, Inc. Equities 552112104 206 6,566 SH   SOLE   2,800 0 3,766
M&T Bk Corp Equities 55261F104 266 1,705 SH   SOLE   1,705 0 0
M&T Bk Corp Equities 55261F104 7 50 SH   DFND   50 0 0
MarketAxess Holdings New Equities 57060D108 411 2,800 SH   SOLE   0 0 2,800
Mastercard Inc Cl A Equities 57636Q104 454 4,399 SH   SOLE   1,399 0 3,000
McCormick & Co Inc Equities 579780206 656 7,030 SH   SOLE   7,030 0 0
McDonalds Corp Equities 580135101 4,207 34,565 SH   SOLE   34,565 0 0
McDonalds Corp Equities 580135101 201 1,659 SH   DFND   1,559 0 100
McKesson Corporation Equities 58155Q103 204 1,457 SH   SOLE   1,087 0 370
Medtronic PLC Equities G5960L103 169 2,385 SH   DFND   2,191 0 194
Medtronic PLC Equities G5960L103 1,242 17,439 SH   SOLE   17,259 0 180
Merchants Bancshares, Inc Equities 588448100 359 6,627 SH   SOLE   6,627 0 0
Merchants Bancshares, Inc Equities 588448100 46 867 SH   DFND   867 0 0
Merck & Co Inc New Equities 58933Y105 28 490 SH   DFND   490 0 0
Merck & Co Inc New Equities 58933Y105 4,614 78,377 SH   SOLE   75,257 0 3,120
Microchip Technology Inc. Equities 595017104 48 750 SH   DFND   600 0 150
Microchip Technology Inc. Equities 595017104 655 10,225 SH   SOLE   9,400 125 700
Microsoft Corporation Equities 594918104 6,628 106,669 SH   SOLE   102,959 1,450 2,260
Microsoft Corporation Equities 594918104 588 9,467 SH   DFND   9,040 0 427
Mondelez Intl Inc Equities 609207105 1,158 26,128 SH   SOLE   24,928 0 1,200
Mondelez Intl Inc Equities 609207105 11 259 SH   DFND   0 0 259
Morgan Stanley Dean Witter & Co Equities 617446448 15 371 SH   DFND   0 371 0
Morgan Stanley Dean Witter & Co Equities 617446448 2,150 50,908 SH   SOLE   50,738 170 0
National Fuel Gas Company Equities 636180101 28 500 SH   DFND   500 0 0
National Fuel Gas Company Equities 636180101 177 3,136 SH   SOLE   3,136 0 0
National Oilwell Varco, Inc. Equities 637071101 239 6,384 SH   SOLE   3,214 0 3,170
NBT Bancorp Inc. Equities 628778102 383 9,149 SH   DFND   9,149 0 0
Nestle Adr Equities 641069406 590 8,213 SH   SOLE   8,128 0 85
NextEra Energy Inc Equities 65339F101 202 1,695 SH   DFND   1,695 0 0
NextEra Energy Inc Equities 65339F101 2,051 17,173 SH   SOLE   16,840 0 333
Nike, Inc. Class B Equities 654106103 33 650 SH   DFND   650 0 0
Nike, Inc. Class B Equities 654106103 1,352 26,603 SH   SOLE   21,033 0 5,570
Noble Corp PLC Equities G65431101 7 1,200 SH   DFND   1,200 0 0
Noble Corp PLC Equities G65431101 70 11,890 SH   SOLE   11,565 325 0
Nokia Corp Sponsored Finland Ad Equities 654902204 48 10,000 SH   SOLE   10,000 0 0
Norfolk Southern Corp Equities 655844108 2,750 25,447 SH   SOLE   24,772 75 600
Norfolk Southern Corp Equities 655844108 91 850 SH   DFND   850 0 0
Novartis Ag Sponsored Adr Equities 66987V109 4 60 SH   DFND   60 0 0
Novartis Ag Sponsored Adr Equities 66987V109 252 3,461 SH   SOLE   3,436 0 25
Oracle Corporation Equities 68389X105 213 5,550 SH   DFND   2,650 2,700 200
Oracle Corporation Equities 68389X105 4,764 123,904 SH   SOLE   118,856 400 4,648
Paychex Inc. Equities 704326107 722 11,875 SH   DFND   11,875 0 0
Paychex Inc. Equities 704326107 5,523 90,726 SH   SOLE   88,932 0 1,794
Pepsico Inc Equities 713448108 225 2,155 SH   DFND   1,765 0 390
Pepsico Inc Equities 713448108 4,430 42,343 SH   SOLE   38,533 150 3,660
Pfizer Inc. Equities 717081103 426 13,142 SH   DFND   12,115 0 1,027
Pfizer Inc. Equities 717081103 5,177 159,405 SH   SOLE   146,426 0 12,979
PG & E Corp Equities 69331C108 24 400 SH   DFND   400 0 0
PG & E Corp Equities 69331C108 203 3,346 SH   SOLE   3,011 300 35
Philip Morris Intl Inc Equities 718172109 34 375 SH   DFND   0 0 375
Philip Morris Intl Inc Equities 718172109 540 5,913 SH   SOLE   4,713 0 1,200
Praxair, Inc. Equities 74005P104 1,263 10,780 SH   SOLE   10,330 350 100
Praxair, Inc. Equities 74005P104 138 1,185 SH   DFND   1,185 0 0
Price T Rowe Associates Inc. Equities 74144T108 39 520 SH   DFND   425 95 0
Price T Rowe Associates Inc. Equities 74144T108 290 3,858 SH   SOLE   3,758 0 100
Procter & Gamble Co Equities 742718109 898 10,692 SH   DFND   7,192 3,500 0
Procter & Gamble Co Equities 742718109 7,573 90,076 SH   SOLE   88,621 150 1,305
Qualcomm Inc Equities 747525103 184 2,827 SH   DFND   2,717 110 0
Qualcomm Inc Equities 747525103 2,419 37,103 SH   SOLE   36,978 0 125
Rayonier Inc REIT Fractional CU Equities HFE907109 0 50,000 SH   DFND   50,000 0 0
Raytheon Co Com New Equities 755111507 7 50 SH   DFND   50 0 0
Raytheon Co Com New Equities 755111507 471 3,322 SH   SOLE   3,067 0 255
Ross Stores Inc Equities 778296103 224 3,421 SH   DFND   3,421 0 0
Royal Dutch Shell Plc Adr Cl A Equities 780259206 365 6,715 SH   SOLE   5,800 65 850
Schlumberger Ltd Equities 806857108 203 2,426 SH   DFND   2,350 76 0
Schlumberger Ltd Equities 806857108 4,154 49,487 SH   SOLE   47,652 0 1,835
Shire Plc Adr Equities 82481R106 213 1,252 SH   SOLE   1,252 0 0
Simon Property Group Inc. Equities 828806109 227 1,280 SH   SOLE   1,280 0 0
Snap-On Inc. Equities 833034101 3,207 18,729 SH   DFND   7,734 0 10,995
Snap-On Inc. Equities 833034101 154 900 SH   SOLE   900 0 0
Southern Co Equities 842587107 147 2,990 SH   DFND   2,490 500 0
Southern Co Equities 842587107 1,559 31,707 SH   SOLE   30,907 0 800
Spectra Energy Corp Equities 847560109 321 7,828 SH   SOLE   7,828 0 0
State Street Corp. Equities 857477103 761 9,795 SH   SOLE   9,670 125 0
State Street Corp. Equities 857477103 34 440 SH   DFND   440 0 0
Steuben Tr Co Hornell, NY Equities 860010107 257 7,562 SH   SOLE   7,562 0 0
Stryker Corp. Equities 863667101 825 6,891 SH   SOLE   5,091 0 1,800
Synchrony Financial Equities 87165B103 301 8,309 SH   SOLE   8,309 0 0
Sysco Corp Equities 871829107 183 3,315 SH   DFND   3,215 0 100
Sysco Corp Equities 871829107 453 8,194 SH   SOLE   8,194 0 0
Target Corp. Equities 87612E106 372 5,161 SH   SOLE   4,664 175 322
Target Corp. Equities 87612E106 46 648 SH   DFND   648 0 0
TCF Financial Corp Equities 872275102 343 17,532 SH   DFND   17,532 0 0
Teva Pharmaceutical Inds Ltd Ad Equities 881624209 542 14,961 SH   SOLE   14,611 150 200
Teva Pharmaceutical Inds Ltd Ad Equities 881624209 30 850 SH   DFND   750 0 100
Texas Instruments Inc Equities 882508104 1,667 22,846 SH   SOLE   19,846 0 3,000
Texas Instruments Inc Equities 882508104 29 400 SH   DFND   400 0 0
Textron Inc Equities 883203101 230 4,740 SH   SOLE   4,615 0 125
The Priceline Group Inc Equities 741503403 329 225 SH   SOLE   0 0 225
The Priceline Group Inc Equities 741503403 7 5 SH   DFND   0 0 5
Titan Medical inc Equities 88830X108 3 15,000 SH   SOLE   15,000 0 0
TJX Cos Inc New Equities 872540109 45 600 SH   DFND   600 0 0
TJX Cos Inc New Equities 872540109 1,465 19,504 SH   SOLE   15,579 0 3,925
Tootsie Roll Inds Inc Equities 890516107 282 7,112 SH   SOLE   7,112 0 0
Travelers Cos Inc. Equities 89417E109 2,173 17,756 SH   SOLE   17,716 0 40
Travelers Cos Inc. Equities 89417E109 187 1,530 SH   DFND   1,530 0 0
UIT Hutton Tel Equities 447900101 63 15,000 SH   SOLE   15,000 0 0
Unilever Nv New York Shs New Equities 904784709 292 7,129 SH   SOLE   7,039 0 90
Union Pacific Corp Equities 907818108 626 6,041 SH   SOLE   5,878 0 163
Union Pacific Corp Equities 907818108 55 540 SH   DFND   540 0 0
United Technologies Corp Equities 913017109 8,594 78,399 SH   SOLE   77,419 275 705
United Technologies Corp Equities 913017109 635 5,797 SH   DFND   3,841 1,056 900
Unitedhealth Group Inc Equities 91324P102 60 375 SH   DFND   375 0 0
Unitedhealth Group Inc Equities 91324P102 249 1,556 SH   SOLE   1,451 25 80
US Bancorp Del New Equities 902973304 110 2,157 SH   DFND   2,007 0 150
US Bancorp Del New Equities 902973304 444 8,659 SH   SOLE   6,404 0 2,255
V.F. Corp Equities 918204108 1,241 23,276 SH   SOLE   22,076 0 1,200
V.F. Corp Equities 918204108 94 1,776 SH   DFND   1,776 0 0
Valero Energy Equities 91913Y100 579 8,481 SH   SOLE   8,456 0 25
Valero Energy Equities 91913Y100 58 850 SH   DFND   850 0 0
Verizon Communications Equities 92343V104 398 7,465 SH   DFND   6,409 854 202
Verizon Communications Equities 92343V104 5,283 98,970 SH   SOLE   96,673 178 2,119
Wal-Mart Stores Inc Equities 931142103 764 11,067 SH   SOLE   10,337 130 600
Wal-Mart Stores Inc Equities 931142103 202 2,930 SH   DFND   2,930 0 0
Walgreens Boots Alliance Inc Equities 931427108 692 8,362 SH   SOLE   8,127 125 110
Walgreens Boots Alliance Inc Equities 931427108 297 3,600 SH   DFND   3,600 0 0
Wells Fargo & Company Equities 949746101 310 5,636 SH   DFND   5,486 0 150
Wells Fargo & Company Equities 949746101 2,702 49,036 SH   SOLE   47,871 800 365
Xerox Corp Equities 984121103 284 32,541 SH   SOLE   32,541 0 0
Zimmer Biomet Hldgs Inc Equities 98956P102 423 4,099 SH   SOLE   3,849 250 0
Zimmer Biomet Hldgs Inc Equities 98956P102 12 120 SH   DFND   120 0 0