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
ADIENT PLC FOREIGN EQUITIES G0084W101 0 5 SH   SOLE 0 5 0 0
ALLEGION PLC FOREIGN EQUITIES G0176J109 27 331 SH   SOLE 0 331 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 11 90 SH   SOLE 0 90 0 0
BROOKFIELD BUSINESS PARTNERSUNIT LTD LP FOREIGN EQUITIES G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS PARTNERSHIPS G16249107 1 38 SH   DFND 0 38 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP COMMON STOCK G16252101 61 1,500 SH   SOLE 0 1,500 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP COMMON STOCK G16252101 2 40 SH   DFND 0 40 0 0
DELPHI AUTOMOTIVE PLC COMMON STOCK G27823106 2 20 SH   SOLE 0 20 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 37 477 SH   SOLE 0 477 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 37 473 SH   DFND 0 473 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 114 1,242 SH   SOLE 0 1,242 0 0
INVESCO LTD COMMON STOCK G491BT108 6 162 SH   SOLE 0 162 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105 7 165 SH   SOLE 0 165 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 834 9,395 SH   SOLE 0 9,395 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 39 440 SH   DFND 0 440 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 19 5,350 SH   SOLE 0 5,350 0 0
PENTAIR PLC FOREIGN EQUITIES G7S00T104 1 11 SH   SOLE 0 11 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 6 165 SH   SOLE 0 165 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 965 6,641 SH   SOLE 0 6,641 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 140 961 SH   DFND 0 961 0 0
VASCULAR BIOGENICS LTD COMMON STOCK M96883109 4 1,000 SH   SOLE 0 1,000 0 0
LYONDELLBASELL INDUSTRIES NV FOREIGN EQUITIES N53745100 3 32 SH   SOLE 0 32 0 0
BROADCOM LTD FOREIGN EQUITIES Y09827109 38 165 SH   SOLE 0 165 0 0
FLEX LTD FOREIGN EQUITIES Y2573F102 3 200 SH   SOLE 0 200 0 0
AFLAC INC COMMON STOCK 001055102 78 1,000 SH   SOLE 0 1,000 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 11 250 SH   SOLE 0 250 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 115 9,655 SH   SOLE 0 9,655 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 154 12,871 SH   DFND 0 12,871 0 0
AQR Managed Futures Strategy HV I MUTUAL FUNDS INTL EQUITIES 00203H461 3,925 455,815 SH   DFND 0 451,355 4,460 0
AQR Diversified Arbitrage Fund Class I MUTUAL FUND EQUITIES 00203H602 6,012 622,974 SH   DFND 0 617,590 5,384 0
AT&T INC COMMON STOCK 00206R102 1,960 52,011 SH   DFND 0 49,319 2,692 0
AT&T INC COMMON STOCK 00206R102 6,899 182,903 SH   SOLE 0 182,693 0 210
ABBOTT LABORATORIES COMMON STOCK 002824100 1,956 40,246 SH   SOLE 0 40,246 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 223 4,590 SH   DFND 0 4,590 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,340 59,854 SH   SOLE 0 59,854 0 0
ABBVIE INC COMMON STOCK 00287Y109 500 6,890 SH   DFND 0 6,890 0 0
ACCURAY INC COMMON STOCK 004397105 1 300 SH   SOLE 0 300 0 0
Champlain Mid Cap Fund MUTUAL FUND EQUITIES 00764Q744 312 18,818 SH   SOLE 0 18,818 0 0
AETNA INC COMMON STOCK 00817Y108 76 500 SH   DFND 0 500 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 3 20 SH   DFND 0 20 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 287 2,008 SH   SOLE 0 2,008 0 0
ALCOA CORP COMMON STOCK 013872106 16 476 SH   DFND 0 476 0 0
ALLSTATE CORP COMMON STOCK 020002101 23 260 SH   SOLE 0 260 0 0
ALLSTATE CORP COMMON STOCK 020002101 50 560 SH   DFND 0 560 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 75 82 SH   SOLE 0 82 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 9 10 SH   DFND 0 10 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 101 109 SH   SOLE 0 109 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 22 24 SH   DFND 0 24 0 0
ALTABA INC COMMON STOCK 021346101 11 200 SH   DFND 0 200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 1,283 17,227 SH   SOLE 0 17,227 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 113 1,514 SH   DFND 0 1,514 0 0
AMAZON.COM INC COMMON STOCK 023135106 14 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 137 2,498 SH   SOLE 0 2,498 0 0
AMEREN CORP COMMON STOCK 023608102 4 75 SH   DFND 0 75 0 0
American Beacon Lg Cap Value Inst MUTUAL FUND EQUITIES 02368A208 237 8,068 SH   SOLE 0 8,068 0 0
AMERICAN CAMPUS COMMUNITIES COMMON STOCK 024835100 16 342 SH   SOLE 0 342 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 265 3,816 SH   SOLE 0 3,816 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 234 3,369 SH   DFND 0 3,369 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 743 8,826 SH   SOLE 0 8,826 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 38 450 SH   DFND 0 450 0 0
AMERICAN INTL GROUP INC W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 13 105 SH   SOLE 0 105 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 5 40 SH   DFND 0 40 0 0
AMGEN INC COMMON STOCK 031162100 1,100 6,386 SH   SOLE 0 6,386 0 0
AMGEN INC COMMON STOCK 031162100 392 2,275 SH   DFND 0 2,275 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 5 100 SH   SOLE 0 100 0 0
ANTHEM INC COMMON STOCK 036752103 470 2,500 SH   SOLE 0 2,500 0 0
APACHE CORP COMMON STOCK 037411105 289 6,034 SH   SOLE 0 6,034 0 0
APACHE CORP COMMON STOCK 037411105 4 80 SH   DFND 0 80 0 0
APPLE INC COMMON STOCK 037833100 14,345 99,617 SH   SOLE 0 99,617 0 0
APPLE INC COMMON STOCK 037833100 370 2,571 SH   DFND 0 2,571 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 17 400 SH   SOLE 0 400 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 30 735 SH   DFND 0 735 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 77 2,325 SH   SOLE 0 2,325 0 0
Arbitrage Event-Driven I MUTUAL FUND EQUITIES 03875R403 5,538 586,026 SH   DFND 0 583,311 2,715 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 6 147 SH   SOLE 0 147 0 0
ARCONIC INC COMMON STOCK 03965L100 32 1,432 SH   DFND 0 1,432 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 202 6,388 SH   SOLE 0 6,388 0 0
Artisan Value Inv MUTUAL FUND EQUITIES 04314H873 2,852 195,990 SH   DFND 0 194,205 1,785 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,991 19,432 SH   SOLE 0 19,292 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 426 4,157 SH   DFND 0 4,157 0 0
AVANGRID INC COMMON STOCK 05351W103 4 100 SH   SOLE 0 0 0 100
BB&T CORP COMMON STOCK 054937107 76 1,674 SH   SOLE 0 1,674 0 0
BB&T CORP COMMON STOCK 054937107 36 800 SH   DFND 0 800 0 0
BBH Intermediate Municipal Bond N MUTUAL FUND FIXED INCOME 05528C816 2,870 275,704 SH   DFND 0 271,389 4,315 0
BBH Core Select N MUTUAL FUND EQUITIES 05528X604 6,954 309,202 SH   DFND 0 306,382 2,820 0
BP PLC ADR FOREIGN EQUITIES 055622104 26 750 SH   DFND 0 750 0 0
BNY Mellon Natl Interm Muni Bd Inv MUTUAL FUND FIXED INCOME 05569M756 301 22,285 SH   SOLE 0 22,285 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 119 4,910 SH   SOLE 0 4,910 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 11 450 SH   DFND 0 450 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 8 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 216 4,230 SH   SOLE 0 4,230 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 18 353 SH   DFND 0 353 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 9 590 SH   SOLE 0 590 0 0
Baron Growth Fund #587 MUTUAL FUND EQUITIES 068278209 260 3,745 SH   DFND 0 0 3,745 0
Baron Emerging Markets Instl MUTUAL FUND EQUITIES 06828M876 11,585 877,652 SH   DFND 0 870,559 7,093 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 40 655 SH   SOLE 0 655 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 682 3,493 SH   SOLE 0 3,493 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 195 1,000 SH   DFND 0 1,000 0 0
BEMIS CO INC COMMON STOCK 081437105 548 11,850 SH   SOLE 0 11,850 0 0
BEMIS CO INC COMMON STOCK 081437105 217 4,700 SH   DFND 0 4,700 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,123 6,637 SH   DFND 0 6,232 405 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 170 1,003 SH   SOLE 0 1,003 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 40 1,127 SH   SOLE 0 1,127 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 9 264 SH   DFND 0 264 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 643 18,060 SH   SOLE 0 18,060 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 101 2,825 SH   DFND 0 2,825 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204 1 250 SH   DFND 0 250 0 0
BIOGEN INC COMMON STOCK 09062X103 217 800 SH   DFND 0 800 0 0
BIOTELEMETRY INC COMMON STOCK 090672106 100 3,000 SH   SOLE 0 3,000 0 0
BIOVERATIV INC COMMON STOCK 09075E100 24 400 SH   DFND 0 400 0 0
Blackrock Inflation Protected Bd MUTUAL FUND FIXED INCOME 091937748 134 12,598 SH   SOLE 0 12,598 0 0
BlackRock Global Allocation Instl MUTUAL FUND INTL EQUITIES 09251T509 202 10,241 SH   SOLE 0 10,241 0 0
BLACKROCK INC COMMON STOCK 09247X101 32 76 SH   SOLE 0 76 0 0
BlackRock PA Municipal Bond Instl MUTUAL FUND FIXED INCOME 09253A680 150 13,464 SH   SOLE 0 13,464 0 0
Blackrock National Muni Fd MUTUAL FUND FIXED INCOME 09253C876 125 11,466 SH   SOLE 0 11,466 0 0
BlackRock Strategic Muni Opps Instl MUTUAL FUND FIXED INCOME 09253E609 148 12,861 SH   SOLE 0 12,861 0 0
THE BLACKSTONE GROUP L P COMMON STOCK 09253U108 3 100 SH   DFND 0 100 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 54 3,849 SH   SOLE 0 3,849 0 0
BOEING COMPANY COMMON STOCK 097023105 873 4,414 SH   SOLE 0 4,414 0 0
BOEING COMPANY COMMON STOCK 097023105 29 145 SH   DFND 0 145 0 0
Brandes Emerging Markets I MUTUAL FUND EQUITIES 105262752 11,659 1,327,924 SH   DFND 0 1,319,673 8,251 0
BRIDGE BANCORP INC COMMON STOCK 108035106 7 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,338 24,014 SH   SOLE 0 23,781 0 233
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 661 11,859 SH   DFND 0 11,859 0 0
BRITISH AMERICAN TOBACCO ADR FOREIGN EQUITIES 110448107 5 78 SH   SOLE 0 78 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 40 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 19 300 SH   DFND 0 300 0 0
CBS CORP CLASS B COMMON STOCK 124857202 13 200 SH   SOLE 0 200 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 16 265 SH   DFND 0 265 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 847 12,330 SH   SOLE 0 12,330 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 43 625 SH   DFND 0 625 0 0
CMS ENERGY CORP COMMON STOCK 125896100 11 235 SH   SOLE 0 235 0 0
CSX CORP COMMON STOCK 126408103 33 600 SH   SOLE 0 600 0 0
CSX CORP COMMON STOCK 126408103 164 3,000 SH   DFND 0 3,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,507 18,726 SH   SOLE 0 18,726 0 0
CVS HEALTH CORP COMMON STOCK 126650100 101 1,250 SH   DFND 0 1,250 0 0
CA INC COMMON STOCK 12673P105 6 168 SH   SOLE 0 168 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 10 200 SH   DFND 0 200 0 0
CARE CAP PPTYS INC COMMON STOCK 141624106 1 49 SH   SOLE 0 49 0 0
CARNIVAL CORP COMMON STOCK 143658300 9 133 SH   SOLE 0 133 0 0
CATERPILLAR INC COMMON STOCK 149123101 608 5,660 SH   SOLE 0 5,660 0 0
CATERPILLAR INC COMMON STOCK 149123101 154 1,437 SH   DFND 0 1,437 0 0
CELGENE CORP COMMON STOCK 151020104 252 1,938 SH   SOLE 0 1,938 0 0
CELGENE CORP COMMON STOCK 151020104 273 2,099 SH   DFND 0 2,099 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 2 100 SH   DFND 0 100 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 3 100 SH   SOLE 0 100 0 0
CENTURYLINK INC COMMON STOCK 156700106 5 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 1 20 SH   SOLE 0 20 0 0
CHESAPEAKE ENERGY CORP COMMON STOCK 165167107 5 1,000 SH   SOLE 0 1,000 0 0
CHEVRON CORP COMMON STOCK 166764100 1,078 10,348 SH   DFND 0 10,198 150 0
CHEVRON CORP COMMON STOCK 166764100 2,735 26,215 SH   SOLE 0 26,143 0 72
CINCINNATI FINL CORP COMMON STOCK 172062101 6 84 SH   SOLE 0 84 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 4,154 132,775 SH   SOLE 0 132,775 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 949 30,339 SH   DFND 0 30,339 0 0
CITIGROUP INC COMMON STOCK 172967424 12 185 SH   SOLE 0 185 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 SH   DFND 0 100 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 773 36,265 SH   SOLE 0 35,680 0 585
CLAYMORE EXCHANGE TRD FD TR GUG BLT2018 HY ETF/FIXED INCOME 18383M381 545 21,490 SH   SOLE 0 21,090 0 400
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY ETF/FIXED INCOME 18383M399 77 3,000 SH   SOLE 0 3,000 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 28 1,300 SH   SOLE 0 1,300 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 8 375 SH   SOLE 0 375 0 0
GUGGENHEIM ENHANCED SH DUR ETF/FIXED INCOME 18383M654 845 16,800 SH   SOLE 0 16,690 0 110
CLEARBRIDGE ENERGY MLP FD MUTUAL FUND EQUITIES 184692101 2 100 SH   SOLE 0 100 0 0
CLEARBRIDGE ENERGY MLP FD MUTUAL FUND EQUITIES 184692101 8 500 SH   DFND 0 500 0 0
COCA COLA COMPANY COMMON STOCK 191216100 5,153 114,910 SH   SOLE 0 114,699 0 211
COCA COLA COMPANY COMMON STOCK 191216100 1,329 29,639 SH   DFND 0 29,639 0 0
COGNEX CORP COMMON STOCK 192422103 8 100 SH   SOLE 0 100 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 732 9,866 SH   SOLE 0 9,866 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 577 7,786 SH   DFND 0 7,786 0 0
COLONY NORTHSTAR INC COMMON STOCK 19625W104 14 1,025 SH   SOLE 0 1,025 0 0
COLUMBIA EMERGING MKTS CONS ETF/INTERNATIONAL EQUITY 19762B509 2,883 110,420 SH   SOLE 0 110,310 0 110
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,214 31,209 SH   SOLE 0 31,209 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 166 4,269 SH   DFND 0 4,269 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 1,029 18,204 SH   DFND 0 4,234 13,970 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 698 12,524 SH   SOLE 0 12,524 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 5 150 SH   SOLE 0 150 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,080 24,564 SH   SOLE 0 24,422 0 142
CONOCOPHILLIPS COMMON STOCK 20825C104 256 5,817 SH   DFND 0 5,817 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 563 6,971 SH   SOLE 0 6,971 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 109 1,350 SH   DFND 0 1,350 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 232 1,200 SH   SOLE 0 1,200 0 0
CORNING INC COMMON STOCK 219350105 201 6,689 SH   SOLE 0 6,689 0 0
CORNING INC COMMON STOCK 219350105 49 1,617 SH   DFND 0 1,617 0 0
COSTCO COMMON STOCK 22160K105 18 115 SH   SOLE 0 115 0 0
COSTCO COMMON STOCK 22160K105 9 55 SH   DFND 0 55 0 0
CRANE CO COMMON STOCK 224399105 5 65 SH   SOLE 0 65 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344208 1 22 SH   DFND 0 22 0 0
CROWN CASTLE INTERNATIONAL COMMON STOCK 22822V101 5 49 SH   SOLE 0 49 0 0
CRYOPORT INC COMMON STOCK 229050307 5 1,000 SH   DFND 0 1,000 0 0
CUMMINS INC COMMON STOCK 231021106 1,775 10,944 SH   SOLE 0 10,909 0 35
CUMMINS INC COMMON STOCK 231021106 166 1,025 SH   DFND 0 1,025 0 0
Deutsche MSCI Europe Hedgd - ETF ETF/INTERNATIONAL EQUITY 233051853 7,372 269,340 SH   DFND 0 267,237 2,103 0
DFA Intl Sustainability Core 1 MUTUAL FUND EQUITIES 233203199 257 25,299 SH   SOLE 0 25,299 0 0
DFA US Sustainability Core 1 MUTUAL FUND EQUITIES 233203215 596 31,070 SH   SOLE 0 31,070 0 0
DFA US Social Core Equity 2 MUTUAL FUND EQUITIES 233203298 490 33,535 SH   SOLE 0 33,535 0 0
DFA Int'l Real Estate Securities Portfolio MUTUAL FUND INTL EQUITIES 233203348 2,404 475,976 SH   SOLE 0 475,976 0 0
DFA Inflation Protected Securities Portfolio MUTUAL FUND FIXED INCOME 233203355 4,054 345,895 SH   SOLE 0 345,895 0 0
DFA US Vector Equity Portfolio MUTUAL FUND EQUITIES 233203389 8,035 445,393 SH   SOLE 0 445,393 0 0
DFA US Core Equity 2 Portfolio MUTUAL FUND EQUITIES 233203397 5,101 260,102 SH   SOLE 0 260,102 0 0
DFA Short Term Government Portfolio MUTUAL FUND FIXED INCOME 233203405 4,237 398,985 SH   SOLE 0 398,985 0 0
DFA Emerging Markets Value Portfolio MUTUAL FUND EQUITIES 233203587 1,876 67,115 SH   SOLE 0 67,115 0 0
DFA One Year Fixed Income Portfolio MUTUAL FUND FIXED INCOME 233203603 3,779 366,891 SH   SOLE 0 366,891 0 0
DFA Emerging Markets Small Cap Portfolio MUTUAL FUND EQUITIES 233203611 2,253 104,256 SH   SOLE 0 104,256 0 0
DFA International Small Company Portfolio MUTUAL FUND INTL EQUITIES 233203629 3,079 154,492 SH   SOLE 0 154,492 0 0
DFA Two-Year Global Fixed Income Portfolio MUTUAL FUND FIXED INCOME 233203645 4,163 418,358 SH   SOLE 0 418,358 0 0
DFA International Small Cap Value Portfolio MUTUAL FUND EQUITIES 233203736 3,073 141,829 SH   SOLE 0 141,829 0 0
DFA Emerging Markets Portfolio MUTUAL FUND EQUITIES 233203785 1,865 69,064 SH   SOLE 0 69,064 0 0
DFA US Large Cap Value Portfolio MUTUAL FUND EQUITIES 233203827 6,754 183,775 SH   SOLE 0 183,775 0 0
DFA Real Estate Securities Portfolio MUTUAL FUND EQUITIES 233203835 3,656 104,765 SH   SOLE 0 104,765 0 0
DFA Five-Year Global Fixed Income Portfolio MUTUAL FUND FIXED INCOME 233203884 4,144 377,729 SH   SOLE 0 377,729 0 0
DANAHER CORP COMMON STOCK 235851102 4 43 SH   SOLE 0 43 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 159 1,758 SH   SOLE 0 1,598 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 233 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 19 155 SH   SOLE 0 155 0 0
DELL VMWARE TRACKING CL V COMMON STOCK 24703L103 3 41 SH   SOLE 0 41 0 0
DELTA AIR LINES INC COMMON STOCK 247361702 1 25 SH   DFND 0 25 0 0
Deutsche Managed Muni Bond Fund MUTUAL FUND FIXED INCOME 25158T855 327 35,723 SH   DFND 0 23,812 11,911 0
Deutsche Intermediate Tax/Amt Free MUTUAL FUND FIXED INCOME 25159H504 2,786 234,683 SH   DFND 0 230,897 3,786 0
DEVON ENERGY CORP COMMON STOCK 25179M103 3 100 SH   SOLE 0 100 0 0
DIAGEO PLC ADR FOREIGN EQUITIES 25243Q205 11 88 SH   SOLE 0 88 0 0
Diamond Hill Small-Mid Cap I MUTUAL FUND EQUITIES 25264S783 279 12,631 SH   SOLE 0 12,631 0 0
DFA International Value Portfolio MUTUAL FUND EQUITIES 25434D203 2,969 163,296 SH   SOLE 0 163,296 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 15 130 SH   SOLE 0 130 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,844 26,766 SH   SOLE 0 26,766 0 0
WALT DISNEY CO COMMON STOCK 254687106 150 1,413 SH   DFND 0 1,413 0 0
Dodge & Cox Intl Stock Fund MUTUAL FUND INTL EQUITIES 256206103 223 5,088 SH   SOLE 0 5,088 0 0
Dodge & Cox Income MUTUAL FUND FIXED INCOME 256210105 1,181 85,917 SH   SOLE 0 85,917 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 2,533 33,048 SH   SOLE 0 32,948 0 100
DOMINION ENERGY INC COMMON STOCK 25746U109 850 11,095 SH   DFND 0 11,095 0 0
DoubleLine Total Return Bond I MUTUAL FUND FIXED INCOME 258620103 20,003 1,864,192 SH   DFND 0 1,860,695 3,497 0
DOW CHEMICAL CO COMMON STOCK 260543103 3,785 60,025 SH   SOLE 0 59,623 0 402
DOW CHEMICAL CO COMMON STOCK 260543103 455 7,208 SH   DFND 0 7,208 0 0
DR PEPPER SNAPPLE GROUP INC COMMON STOCK 26138E109 9 100 SH   DFND 0 100 0 0
Dreyfus N Y Tax Ex MUTUAL FUNDS FIXED INCOME 261900104 216 14,499 SH   SOLE 0 14,499 0 0
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 1,256 15,567 SH   SOLE 0 15,398 0 169
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 239 2,962 SH   DFND 0 2,962 0 0
DUFF & PHELPS GLB UTL INC FD MUTUAL FUNDS INTL COMMON STOCK 26433C105 10 600 SH   SOLE 0 0 0 600
DUKE ENERGY CORP COMMON STOCK 26441C204 405 4,847 SH   SOLE 0 4,847 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 69 826 SH   DFND 0 826 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 330 3,641 SH   SOLE 0 3,641 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 7 80 SH   DFND 0 80 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 67 792 SH   SOLE 0 792 0 0
Eaton Vance Parametric Struct Em Mkts I MUTUAL FUND EQUITIES 277923751 11,159 772,278 SH   DFND 0 766,990 5,288 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,106 35,335 SH   SOLE 0 35,335 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 264 4,435 SH   DFND 0 4,435 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 13 321 SH   SOLE 0 321 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON STOCK 29250R106 3 200 SH   DFND 0 200 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 13 700 SH   DFND 0 700 0 0
ENERGY TRANSFER PARTNERS LP COMMON STOCK 29278N103 3 150 SH   DFND 0 150 0 0
ENTERGY CORP COMMON STOCK 29364G103 8 100 SH   DFND 0 100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 159 5,892 SH   SOLE 0 5,588 0 304
EUROPEAN EQUITY FUND COM ETF/INTERNATIONAL EQUITY 298768102 4 406 SH   SOLE 0 406 0 0
EVOLUTION PETROLEUM CORP COMMON STOCK 30049A107 2 200 SH   SOLE 0 200 0 0
EXELON CORP COMMON STOCK 30161N101 1,407 39,016 SH   SOLE 0 39,016 0 0
EXELON CORP COMMON STOCK 30161N101 311 8,625 SH   DFND 0 8,625 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 37 584 SH   SOLE 0 584 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 10 160 SH   DFND 0 160 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,820 34,944 SH   DFND 0 31,344 3,600 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,703 83,042 SH   SOLE 0 82,942 0 100
FMI Large Cap Fund MUTUAL FUND EQUITIES 302933205 6,815 319,522 SH   DFND 0 316,565 2,957 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 43 285 SH   SOLE 0 285 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 4 25 SH   DFND 0 25 0 0
FATE THERAPEUTICS INC COMMON STOCK 31189P102 21 6,500 SH   SOLE 0 6,500 0 0
FASTENAL CO COMMON STOCK 311900104 186 4,276 SH   SOLE 0 4,276 0 0
FASTENAL CO COMMON STOCK 311900104 131 3,000 SH   DFND 0 3,000 0 0
Federated Total Return Bond Instl MUTUAL FUND FIXED INCOME 31428Q101 327 29,951 SH   SOLE 0 29,951 0 0
FEDEX CORP COMMON STOCK 31428X106 61 280 SH   SOLE 0 280 0 0
Fidelity Advisor Floating Rate Hi Inc I MUTUAL FUND FIXED INCOME 315807552 140 14,538 SH   SOLE 0 14,538 0 0
Fidelity Floating Rate High Income Fd #814 MUTUAL FUND FIXED INCOME 315916783 199 20,654 SH   SOLE 0 20,654 0 0
Fidelity Limited Term Municipal Income MUTUAL FUND FIXED INCOME 316203207 392 37,145 SH   SOLE 0 37,145 0 0
FIDELITY NATL INFORMATION SVCOM COMMON STOCK 31620M106 4 49 SH   SOLE 0 49 0 0
Fidelity Spartan NY Muni Income Fund #71 MUTUAL FUND FIXED INCOME 316337203 233 17,566 SH   SOLE 0 17,566 0 0
Fidelity Interm Muni Inc MUTUAL FUND FIXED INCOME 31638R204 389 37,568 SH   SOLE 0 37,568 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 17 655 SH   DFND 0 655 0 0
FLEXSHRS IBOXX 5YR TGT TIPS ETF/FIXED INCOME 33939L605 462 18,505 SH   SOLE 0 18,310 0 195
FORD MOTOR COMPANY COMMON STOCK 345370860 104 9,265 SH   SOLE 0 9,265 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 6 565 SH   DFND 0 565 0 0
FORTIVE CORP COMMON STOCK 34959J108 1 21 SH   SOLE 0 21 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 10 132 SH   DFND 0 132 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 3 56 SH   SOLE 0 56 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 3 2,512 SH   SOLE 0 2,512 0 0
GABELLI MULTIMEDIA TR INC MUTUAL FUND EQUITIES 36239Q109 0 28 SH   SOLE 0 28 0 0
GABELLI UTILITY TRUST MUTUAL FUND EQUITIES 36240A101 0 23 SH   SOLE 0 23 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 20 350 SH   DFND 0 350 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 475 2,400 SH   SOLE 0 2,400 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 5 25 SH   DFND 0 25 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 2,162 80,051 SH   DFND 0 69,326 10,725 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 5,348 198,082 SH   SOLE 0 197,832 0 250
GENERAL MILLS INC COMMON STOCK 370334104 1,776 32,106 SH   SOLE 0 32,106 0 0
GENERAL MILLS INC COMMON STOCK 370334104 539 9,735 SH   DFND 0 9,735 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 23 650 SH   SOLE 0 650 0 0
GENUINE PARTS CO COMMON STOCK 372460105 28 300 SH   SOLE 0 300 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 760 10,735 SH   SOLE 0 10,735 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 209 2,955 SH   DFND 0 2,955 0 0
GLOBAL X MLP ETF ETF/EQUITY 37950E473 2,443 223,725 SH   SOLE 0 223,285 0 440
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 38 171 SH   SOLE 0 171 0 0
GRAMERCY PPTY TR COMMON STOCK 385002308 12 420 SH   SOLE 0 420 0 0
Guggenheim Macro Opportunities Instl MUTUAL FUNDS FIXED INCOME 40168W582 18,643 699,814 SH   DFND 0 691,664 8,150 0
HCP INC COMMON STOCK 40414L109 84 2,615 SH   SOLE 0 2,615 0 0
HCP INC COMMON STOCK 40414L109 74 2,303 SH   DFND 0 2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 11 400 SH   SOLE 0 400 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 53 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 48 1,115 SH   SOLE 0 1,115 0 0
Harbor International Fund - Instl MUTUAL FUND INTL EQUITIES 411511306 7,378 108,730 SH   DFND 0 107,825 905 0
Harbor Capital Appreciation Fund MUTUAL FUND EQUITIES 411511504 484 7,277 SH   DFND 0 7,226 51 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 11 200 SH   SOLE 0 200 0 0
Oakmark Fund MUTUAL FUND EQUITIES 413838103 3,413 43,627 SH   DFND 0 43,400 227 0
Oakmark Global Fund MUTUAL FUND INTL EQUITIES 413838830 17,626 557,619 SH   DFND 0 552,958 4,661 0
Hartford Midcap Y MUTUAL FUND EQUITIES 416645687 291 8,721 SH   SOLE 0 8,721 0 0
HASBRO INC COMMON STOCK 418056107 46 413 SH   SOLE 0 413 0 0
HERSHEY CO COMMON STOCK 427866108 161 1,500 SH   SOLE 0 1,500 0 0
HERSHEY CO COMMON STOCK 427866108 107 1,000 SH   DFND 0 1,000 0 0
HIMAX TECHNOLOGIES INC ADR FOREIGN EQUITIES 43289P106 4 525 SH   SOLE 0 525 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,148 7,494 SH   SOLE 0 7,494 0 0
HOME DEPOT INC COMMON STOCK 437076102 246 1,606 SH   DFND 0 1,606 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 369 2,785 SH   DFND 0 785 2,000 0
HONEYWELL INTL INC COMMON STOCK 438516106 517 3,879 SH   SOLE 0 3,879 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,938 20,509 SH   SOLE 0 20,509 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 513 3,580 SH   DFND 0 3,580 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 21 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 1,063 31,534 SH   DFND 0 30,734 800 0
INTEL CORP COMMON STOCK 458140100 4,537 134,502 SH   SOLE 0 133,947 0 555
INSYS THERAPEUTICS INC COMMON STOCK 45824V209 13 1,000 SH   SOLE 0 1,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,967 51,786 SH   SOLE 0 51,786 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 12,086 78,567 SH   DFND 0 78,567 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 22 380 SH   SOLE 0 380 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 1 100 SH   DFND 0 100 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 13 850 SH   SOLE 0 850 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 29 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 2,469 206,824 SH   SOLE 0 206,419 0 405
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 226 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 4,734 85,445 SH   SOLE 0 85,345 0 100
ISHARES INC MSCI EMU INDEX ETF/INTERNATIONAL EQUITY 464286608 1,446 35,865 SH   SOLE 0 35,805 0 60
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 22 495 SH   SOLE 0 495 0 0
ISHARES TR CORE S&P TTL STK ETF/EQUITY 464287150 7 120 SH   SOLE 0 120 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 116 1,258 SH   SOLE 0 1,258 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 25 275 SH   DFND 0 275 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 1,213 10,696 SH   SOLE 0 10,696 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 31,823 130,740 SH   SOLE 0 130,740 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 100 910 SH   SOLE 0 910 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 50 1,210 SH   SOLE 0 1,210 0 0
ISHARES IBOXX INV CORP BD ETF/FIXED INCOME 464287242 1,407 11,672 SH   SOLE 0 11,503 0 169
ISHARES IBOXX INV CORP BD ETF/FIXED INCOME 464287242 61 510 SH   DFND 0 510 0 0
ISHARES S&P 500 GROWTH ETF/EQUITY 464287309 40 295 SH   SOLE 0 295 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 28 260 SH   SOLE 0 260 0 0
ISHARES S&P 500 VALUE ETF/EQUITY 464287408 40 385 SH   SOLE 0 385 0 0
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 112 1,326 SH   SOLE 0 1,326 0 0
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 72 856 SH   DFND 0 856 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,582 24,271 SH   SOLE 0 24,271 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,022 15,682 SH   DFND 0 15,682 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,133 37,257 SH   SOLE 0 37,257 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 164 1,950 SH   DFND 0 1,950 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 12,616 72,524 SH   SOLE 0 72,454 0 70
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 127 732 SH   DFND 0 732 0 0
ISHARES NASDAQ BIOTECHNOLOGY ETF/EQUITY 464287556 12 40 SH   SOLE 0 40 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,715 31,905 SH   SOLE 0 31,825 0 80
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,817 15,610 SH   DFND 0 15,610 0 0
ISHARES S&P MIDCAP 400 GR ETF/EQUITY 464287606 363 1,845 SH   SOLE 0 1,845 0 0
ISHARES S&P MIDCAP 400 GR ETF/EQUITY 464287606 87 445 SH   DFND 0 445 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 4,381 36,806 SH   SOLE 0 36,726 0 80
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 2,342 19,676 SH   DFND 0 19,676 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 483 3,425 SH   SOLE 0 3,425 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 70 500 SH   DFND 0 500 0 0
ISHARES CORE S&P SMALL CAP ETF/EQUITY 464287804 12,954 184,766 SH   SOLE 0 184,616 0 150
ISHARES CORE S&P SMALL CAP ETF/EQUITY 464287804 2,409 34,366 SH   DFND 0 34,366 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 274 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SM CAP ETF ETF/INTERNATIONAL EQUITY 464288273 162 2,800 SH   SOLE 0 2,800 0 0
ISHARES TR NATIONAL MUN ETF ETF/EQUITY 464288414 55 500 SH   SOLE 0 500 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 21 650 SH   SOLE 0 650 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 18 550 SH   DFND 0 550 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 39 445 SH   SOLE 0 445 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 67 759 SH   DFND 0 759 0 0
ISHS MSCI KLD 400 SOCIAL ETF/EQUITY 464288570 11 125 SH   SOLE 0 125 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 43 395 SH   SOLE 0 395 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 75 685 SH   DFND 0 685 0 0
ISHARES 1-3 YEAR CREDIT BD ETF/FIXED INCOME 464288646 707 6,717 SH   SOLE 0 6,717 0 0
ISHARES 1-3 YEAR CREDIT BD ETF/FIXED INCOME 464288646 341 3,239 SH   DFND 0 3,239 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 2,255 57,574 SH   SOLE 0 57,574 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 22 570 SH   DFND 0 570 0 0
ISHARES MSCI EAFE VALUE ETF/EQUITY 464288877 3,032 58,639 SH   SOLE 0 58,538 0 101
ISHARES TR FLTG RATE BD ETF ETF/FIXED INCOME 46429B655 1,018 20,000 SH   SOLE 0 20,000 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 273 3,285 SH   SOLE 0 3,190 0 95
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 42 500 SH   DFND 0 500 0 0
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 8,051 116,284 SH   SOLE 0 116,084 0 200
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 23 335 SH   DFND 0 335 0 0
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 10,405 212,645 SH   SOLE 0 212,305 0 340
ISHARES EDGE MSCI USA VALUE FACTOR ETF/EQUITY 46432F388 15 210 SH   SOLE 0 210 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 20,842 342,349 SH   SOLE 0 342,149 0 200
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 85 1,398 SH   DFND 0 1,398 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 4,516 90,251 SH   SOLE 0 90,146 0 105
ISHARES EDGE MSCI MIN VOL USA SMALL CAP ETF/EQUITY 46435G433 275 10,000 SH   SOLE 0 10,000 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 4,792 52,424 SH   SOLE 0 52,424 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 480 5,256 SH   DFND 0 5,256 0 0
J P MORGAN EXCHANGE TRADED FDIV RTN INT EQ ETF/INTERNATIONAL EQUITY 46641Q209 7,065 125,785 SH   SOLE 0 125,640 0 145
J P MORGAN EXCHANGE TRADED FJPMORGAN DIVER ETF/EQUITY 46641Q407 8,372 128,195 SH   SOLE 0 127,970 0 225
JOHNSON & JOHNSON COMMON STOCK 478160104 9,014 68,123 SH   SOLE 0 67,934 0 189
JOHNSON & JOHNSON COMMON STOCK 478160104 2,144 16,209 SH   DFND 0 16,209 0 0
JPMorgan Core Bond Select MUTUAL FUND FIXED INCOME 4812C0381 1,084 93,172 SH   SOLE 0 93,172 0 0
KEYCORP COMMON STOCK 493267108 163 8,718 SH   SOLE 0 8,718 0 0
KEYCORP COMMON STOCK 493267108 9 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 713 5,524 SH   DFND 0 4,324 1,200 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 104 803 SH   SOLE 0 803 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 55 2,860 SH   SOLE 0 2,860 0 0
KOHLS CORP COMMON STOCK 500255104 7 170 SH   SOLE 0 170 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 750 8,760 SH   SOLE 0 8,760 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 236 2,752 SH   DFND 0 2,752 0 0
KROGER COMPANY COMMON STOCK 501044101 4 160 SH   SOLE 0 160 0 0
LTC PROPERTIES INC COMMON STOCK 502175102 8 150 SH   DFND 0 150 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 2 12 SH   SOLE 0 12 0 0
LAMB WESTON HLDGS INC COMMON STOCK 513272104 2 50 SH   SOLE 0 50 0 0
Lazard Intl Strategic Equity Instl MUTUAL FUND EQUITIES 52106N590 8,188 578,647 SH   DFND 0 575,274 3,373 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 96 1,172 SH   SOLE 0 1,172 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 141 1,716 SH   DFND 0 1,716 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 145 523 SH   SOLE 0 523 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 83 300 SH   DFND 0 300 0 0
LOEWS CORP COMMON STOCK 540424108 61 1,300 SH   DFND 0 1,300 0 0
Loomis Sayles Bond Fund MUTUAL FUND FIXED INCOME 543495840 17,150 1,209,452 SH   DFND 0 1,193,858 15,594 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,079 13,922 SH   SOLE 0 13,922 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 54 694 SH   DFND 0 694 0 0
M & T BANK CORP COMMON STOCK 55261F104 372 2,298 SH   SOLE 0 2,298 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,307 8,068 SH   DFND 0 8,068 0 0
MGE ENERGY INC COMMON STOCK 55277P104 15 240 SH   SOLE 0 240 0 0
Cove Street Capital Small Cap Val Instl MUTUAL FUND EQUITIES 56166Y875 6,574 182,366 SH   DFND 0 180,913 1,453 0
MARATHON OIL CORP COMMON STOCK 565849106 5 400 SH   SOLE 0 400 0 0
MARATHON OIL CORP COMMON STOCK 565849106 2 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 18 344 SH   DFND 0 344 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 7 93 SH   SOLE 0 93 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 38 376 SH   SOLE 0 376 0 0
MASIMO CORP COMMON STOCK 574795100 9 100 SH   SOLE 0 100 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 37 305 SH   SOLE 0 305 0 0
MAXIM INTEGRATED PRODS INC COMMON STOCK 57772K101 3 69 SH   SOLE 0 69 0 0
MCDONALDS CORP COMMON STOCK 580135101 497 3,248 SH   DFND 0 2,786 462 0
MCDONALDS CORP COMMON STOCK 580135101 1,558 10,170 SH   SOLE 0 10,082 0 88
MCKESSON CORP COMMON STOCK 58155Q103 329 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 22 1,700 SH   DFND 0 1,700 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 5,046 78,733 SH   SOLE 0 78,545 0 188
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,148 17,909 SH   DFND 0 17,909 0 0
METLIFE INC COMMON STOCK 59156R108 43 777 SH   SOLE 0 777 0 0
METLIFE INC COMMON STOCK 59156R108 22 400 SH   DFND 0 400 0 0
MEXICO FUND INC MUTUAL FUND INTL EQUITIES 592835102 2 125 SH   SOLE 0 125 0 0
MICROSOFT CORP COMMON STOCK 594918104 951 13,819 SH   DFND 0 12,219 1,600 0
MICROSOFT CORP COMMON STOCK 594918104 4,065 58,975 SH   SOLE 0 58,700 0 275
MILLER INDUSTRIES INC COMMON STOCK 600551204 26 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 18 410 SH   SOLE 0 410 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 15 350 SH   DFND 0 350 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 1,119 9,451 SH   SOLE 0 9,451 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 592 5,000 SH   DFND 0 5,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 133 2,985 SH   SOLE 0 2,985 0 0
MOSAIC COMPANY COMMON STOCK 61945C103 1 23 SH   SOLE 0 23 0 0
Mutual Beacon Z MUTUAL FUND EQUITIES 628380305 214 12,843 SH   SOLE 0 12,843 0 0
NBT BANCORP INC COMMON STOCK 628778102 690 18,686 SH   SOLE 0 18,686 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,273 34,444 SH   DFND 0 34,444 0 0
NASDAQ INC COMMON STOCK 631103108 3 44 SH   SOLE 0 44 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 56 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 34 600 SH   DFND 0 600 0 0
NATIONAL GRID PLC ADR COMMON STOCK 636274409 14 227 SH   SOLE 0 227 0 0
NATIONAL GRID PLC ADR COMMON STOCK 636274409 17 276 SH   DFND 0 276 0 0
Natixis ASG Managed Futures Strategy Y MUTUAL FUND EQUITIES 63872T729 4,379 452,881 SH   DFND 0 447,966 4,915 0
NEW GERMANY FD INC COM ETF/INTERNATIONAL EQUITY 644465106 8 495 SH   SOLE 0 495 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 18 1,400 SH   SOLE 0 1,400 0 0
NEWMARKET CORP COMMON STOCK 651587107 5 10 SH   SOLE 0 10 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 3 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,108 7,908 SH   SOLE 0 7,908 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 614 4,385 SH   DFND 0 4,385 0 0
NIKE INC CLASS B COMMON STOCK 654106103 1,392 23,585 SH   SOLE 0 23,585 0 0
NIKE INC CLASS B COMMON STOCK 654106103 90 1,530 SH   DFND 0 1,530 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 14 500 SH   SOLE 0 500 0 0
NORDSTROM INC COMMON STOCK 655664100 5 112 SH   SOLE 0 112 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,219 10,018 SH   SOLE 0 10,018 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 12 100 SH   DFND 0 100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 133 520 SH   SOLE 0 520 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 18 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 42 1,001 SH   SOLE 0 1,001 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 1,962 23,502 SH   SOLE 0 23,502 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 438 5,250 SH   DFND 0 5,250 0 0
NUCOR CORP COMMON STOCK 670346105 2,344 40,518 SH   SOLE 0 40,518 0 0
NUCOR CORP COMMON STOCK 670346105 502 8,677 SH   DFND 0 8,677 0 0
NUVEEN NASDAQ 100 DYNAMIC OVCOM SHS ETF/OTHER 670699107 2 100 SH   SOLE 0 100 0 0
OGE ENERGY CORP COMMON STOCK 670837103 244 7,000 SH   SOLE 0 7,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 41 692 SH   SOLE 0 692 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 3 597 SH   DFND 0 597 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 8 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 722 8,710 SH   SOLE 0 8,710 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 35 425 SH   DFND 0 425 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 30 900 SH   SOLE 0 900 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 20 400 SH   SOLE 0 400 0 0
ORACLE CORP COMMON STOCK 68389X105 427 8,520 SH   SOLE 0 8,520 0 0
ORACLE CORP COMMON STOCK 68389X105 7 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 16 1,000 SH   DFND 0 1,000 0 0
PG&E CORP COMMON STOCK 69331C108 129 1,950 SH   SOLE 0 1,765 0 185
PG&E CORP COMMON STOCK 69331C108 187 2,815 SH   DFND 0 2,815 0 0
PIMCO Total Return Fund MUTUAL FUNDS FIXED INCOME 693390700 637 62,173 SH   SOLE 0 62,173 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 421 3,358 SH   SOLE 0 3,358 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 7 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 292 2,654 SH   SOLE 0 2,654 0 0
PNC Intermediate Tax Exempt MUTUAL FUND FIXED INCOME 69351J694 152 15,895 SH   SOLE 0 15,895 0 0
PPL CORP COMMON STOCK 69351T106 382 9,889 SH   SOLE 0 9,889 0 0
PAYCHEX INC COMMON STOCK 704326107 9 154 SH   SOLE 0 154 0 0
PAYCHEX INC COMMON STOCK 704326107 22 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 8 140 SH   SOLE 0 140 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 66 1,518 SH   SOLE 0 1,518 0 0
PEPSICO INC COMMON STOCK 713448108 1,869 16,184 SH   DFND 0 15,784 400 0
PEPSICO INC COMMON STOCK 713448108 5,154 44,627 SH   SOLE 0 44,515 0 112
PFIZER INC COMMON STOCK 717081103 3,822 113,771 SH   SOLE 0 113,443 0 328
PFIZER INC COMMON STOCK 717081103 931 27,710 SH   DFND 0 27,710 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 787 6,700 SH   SOLE 0 6,700 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 124 1,060 SH   DFND 0 1,060 0 0
PHILLIPS 66 COMMON STOCK 718546104 247 2,988 SH   SOLE 0 2,988 0 0
PHILLIPS 66 COMMON STOCK 718546104 294 3,557 SH   DFND 0 3,557 0 0
PIMCO Investment Grade Corp Bd Instl MUTUAL FUND FIXED INCOME 722005816 980 92,811 SH   SOLE 0 92,811 0 0
PIEDMONT OFFICE REALTY REIT COMMON STOCK 720190206 7 343 SH   SOLE 0 343 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF/FIXED INCOME 72201R783 4,063 40,080 SH   SOLE 0 40,080 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 71 698 SH   SOLE 0 492 0 206
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 401 3,944 SH   DFND 0 3,944 0 0
PIMCO TRENDS Managed Futures Strat Instl MUTUAL FUND EQUITIES 72201U455 4,482 482,994 SH   DFND 0 477,757 5,237 0
PIMCO DYNAMIC INCOME FD SHS MUTUAL FUNDS FIXED INCOME 72201Y101 34 1,125 SH   SOLE 0 1,125 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 323 3,798 SH   SOLE 0 3,798 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 16 600 SH   SOLE 0 600 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 9 100 SH   SOLE 0 100 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 460 28,228 SH   SOLE 0 28,228 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 76 4,685 SH   DFND 0 4,685 0 0
POWERSHARES QQQ TRUST UNIT SER 1 ETF/EQUITY 73935A104 39 280 SH   SOLE 0 280 0 0
POWERSHARES NASDAQ INTERNET ETF/EQUITY 73935X146 15 150 SH   SOLE 0 150 0 0
POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH   SOLE 0 50 0 0
POWERSHARES DYN BLDG CNSTR ETF/EQUITY 73935X666 1,693 56,745 SH   SOLE 0 56,650 0 95
POWERSHS DB US DOLLAR INDEX DOLL INDX BULL ETF/OTHER 73936D107 371 15,000 SH   SOLE 0 15,000 0 0
POWERSHARES ETF TR II INSUR NATL MUN ETF/EQUITY 73936T474 32 1,250 SH   SOLE 0 1,250 0 0
POWERSHARES VAR RATE PFD ETF/EQUITY 73937B597 1,718 65,715 SH   SOLE 0 65,715 0 0
POWERSHARES KBW BANK ETF ETF/EQUITY 73937B746 1,993 40,385 SH   SOLE 0 40,255 0 130
PRAXAIR INC COMMON STOCK 74005P104 5 40 SH   SOLE 0 40 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 13 170 SH   SOLE 0 170 0 0
T Rowe Price Growth Stk Fd #40 MUTUAL FUND EQUITIES 741479109 854 13,441 SH   SOLE 0 13,441 0 0
T Rowe Price High Yield Fund MUTUAL FUND FIXED INCOME 741481105 514 76,052 SH   SOLE 0 76,052 0 0
Principal MidCap Institutional MUTUAL FUND EQUITIES 74253Q747 247 9,768 SH   SOLE 0 9,768 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 5,283 60,621 SH   SOLE 0 60,409 0 212
PROCTER & GAMBLE CO COMMON STOCK 742718109 766 8,786 SH   DFND 0 8,786 0 0
Osterweis Strategic Income Fund MUTUAL FUNDS FIXED INCOME 742935489 19,149 1,693,126 SH   DFND 0 1,675,706 17,420 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 33 305 SH   SOLE 0 305 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 7 61 SH   DFND 0 61 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,342 77,722 SH   SOLE 0 77,722 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 899 20,896 SH   DFND 0 20,896 0 0
PUBLIC STORAGE COMMON STOCK 74460D109 1 6 SH   SOLE 0 6 0 0
QUALCOMM INC COMMON STOCK 747525103 388 7,028 SH   SOLE 0 7,028 0 0
QUALCOMM INC COMMON STOCK 747525103 99 1,790 SH   DFND 0 1,790 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 12 105 SH   DFND 0 105 0 0
QUINTILES TRANSNATIONAL COMMON STOCK 74876Y101 9 100 SH   SOLE 0 100 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 9 470 SH   SOLE 0 470 0 0
RAYTHEON CO COMMON STOCK 755111507 52 325 SH   SOLE 0 325 0 0
RAYTHEON CO COMMON STOCK 755111507 67 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 21 387 SH   SOLE 0 387 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 249 3,829 SH   SOLE 0 3,829 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 16 250 SH   DFND 0 250 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 248 5,854 SH   SOLE 0 5,854 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 19 450 SH   DFND 0 450 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 264 1,632 SH   SOLE 0 1,632 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 65 400 SH   DFND 0 400 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 221 2,100 SH   SOLE 0 2,100 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 63 600 SH   DFND 0 600 0 0
ROGERS COMMUNICATIONS CL B FOREIGN EQUITIES 775109200 13 280 SH   SOLE 0 280 0 0
T. Rowe Price Summit Municipal Intm MUTUAL FUND FIXED INCOME 77957N209 201 16,908 SH   SOLE 0 16,908 0 0
T. Rowe Price Mid-Cap Value MUTUAL FUND EQUITIES 77957Y106 253 8,446 SH   SOLE 0 8,446 0 0
T. Rowe Price Instl Floating Rate MUTUAL FUND FIXED INCOME 77958B402 9,868 983,851 SH   DFND 0 971,399 12,452 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 614 8,465 SH   SOLE 0 8,465 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 98 1,350 SH   DFND 0 1,350 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 423 7,950 SH   SOLE 0 7,950 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 5 100 SH   DFND 0 100 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 63 SH   DFND 0 63 0 0
ROYCE GLOBAL VALUE TRUST MUTUAL FUNDS INTL EQUITIES 78081T104 0 37 SH   SOLE 0 37 0 0
ROYCE VALUE TRUST MUTUAL FUND EQUITY 780910105 4 261 SH   SOLE 0 261 0 0
GUGGENHEIM S&P SM CAP 600 PURE GROWTH ETF/EQUITY 78355W809 11 109 SH   SOLE 0 109 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 6,510 26,930 SH   SOLE 0 26,930 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 787 3,255 SH   DFND 0 3,255 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 12 100 SH   SOLE 0 100 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 509 4,310 SH   DFND 0 4,310 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 30 775 SH   SOLE 0 775 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 12 300 SH   DFND 0 300 0 0
SPDR INDEX SHS FDS MACQU GLBIN100 ETF/INTERNATIONAL EQUITY 78463X855 3 50 SH   SOLE 0 50 0 0
SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 539 15,628 SH   SOLE 0 15,628 0 0
SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 28 800 SH   DFND 0 800 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 91 2,440 SH   SOLE 0 2,440 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 10 110 SH   SOLE 0 110 0 0
SSGA ACTIVE ETF TR BLKSTN GSOSRLN ETF/FIXED INCOME 78467V608 3,167 66,781 SH   SOLE 0 66,543 0 238
SSGA ACTIVE ETF TR BLKSTN GSOSRLN ETF/FIXED INCOME 78467V608 28 585 SH   DFND 0 585 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 6,691 136,005 SH   SOLE 0 135,755 0 250
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 39 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 4,469 14,070 SH   SOLE 0 14,070 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,398 7,551 SH   DFND 0 7,551 0 0
SPDR SER TR NUVN BRCLY MUNI ETF/FIXED INCOME 78468R721 30 625 SH   SOLE 0 625 0 0
SABINE ROYALTY TRUST COMMON STOCK 785688102 8 200 SH   SOLE 0 200 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 18 210 SH   SOLE 0 210 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 12 137 SH   DFND 0 137 0 0
SCANA CORP COMMON STOCK 80589M102 108 1,615 SH   SOLE 0 1,615 0 0
SCANA CORP COMMON STOCK 80589M102 75 1,115 SH   DFND 0 1,115 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,061 16,119 SH   SOLE 0 16,119 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 14 220 SH   DFND 0 220 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 6 150 SH   DFND 0 150 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 1,505 23,560 SH   SOLE 0 23,560 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 134 2,096 SH   DFND 0 2,096 0 0
SPDR MATERIALS SELECT SECTOR ETF/EQUITY 81369Y100 523 9,725 SH   DFND 0 9,725 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 44 675 SH   SOLE 0 675 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 5 75 SH   DFND 0 75 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 21 375 SH   SOLE 0 375 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 375 6,844 SH   DFND 0 6,844 0 0
SELECT SECTOR SPDR UTILITIES ETF/EQUITY 81369Y886 66 1,275 SH   SOLE 0 1,275 0 0
SEMPRA ENERGY COMMON STOCK 816851109 595 5,280 SH   SOLE 0 5,280 0 0
SEMPRA ENERGY COMMON STOCK 816851109 124 1,100 SH   DFND 0 1,100 0 0
SENSEONICS HOLDINGS INC COMMON STOCK 81727U105 2 1,000 SH   DFND 0 1,000 0 0
SHIRE PLC ADR COMMON STOCK 82481R106 4 22 SH   SOLE 0 22 0 0
SIERRA WIRELESS INC FOREIGN EQUITIES 826516106 6 200 SH   SOLE 0 200 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 26 500 SH   SOLE 0 500 0 0
SONY CORP ADR NEW COMMON STOCK 835699307 5 120 SH   SOLE 0 120 0 0
SOURCE CAPITAL INC MUTUAL FUND EQUITIES 836144105 11 275 SH   SOLE 0 275 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 371 7,742 SH   SOLE 0 7,742 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 51 1,075 SH   DFND 0 1,075 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 70 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 281 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 168 2,885 SH   SOLE 0 2,885 0 0
STARBUCKS CORP COMMON STOCK 855244109 6 100 SH   DFND 0 100 0 0
STATE STREET CORP COMMON STOCK 857477103 208 2,314 SH   SOLE 0 2,314 0 0
STRYKER CORP COMMON STOCK 863667101 795 5,732 SH   SOLE 0 5,732 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 40 452 SH   SOLE 0 452 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 77 2,652 SH   SOLE 0 2,652 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 6 100 SH   DFND 0 100 0 0
SYSCO CORP COMMON STOCK 871829107 1,144 22,730 SH   SOLE 0 22,730 0 0
SYSCO CORP COMMON STOCK 871829107 473 9,400 SH   DFND 0 9,400 0 0
TJX COMPANIES COMMON STOCK 872540109 34 475 SH   SOLE 0 475 0 0
TJX COMPANIES COMMON STOCK 872540109 6 85 SH   DFND 0 85 0 0
TARGET CORP COMMON STOCK 87612E106 300 5,742 SH   SOLE 0 5,742 0 0
TARGET CORP COMMON STOCK 87612E106 11 217 SH   DFND 0 217 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 24 187 SH   DFND 0 187 0 0
Templeton Global Bond Adv MUTUAL FUND FIXED INCOME 880208400 238 19,542 SH   SOLE 0 19,542 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 31 1,000 SH   SOLE 0 1,000 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 7 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 5 150 SH   DFND 0 150 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,220 15,853 SH   SOLE 0 15,853 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 185 2,400 SH   DFND 0 2,400 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 59 341 SH   SOLE 0 341 0 0
Thornburg International Value Fund MUTUAL FUND INTL EQUITIES 885215566 209 7,621 SH   DFND 0 7,386 235 0
3M COMPANY COMMON STOCK 88579Y101 4,754 22,836 SH   SOLE 0 22,836 0 0
3M COMPANY COMMON STOCK 88579Y101 612 2,941 SH   DFND 0 2,941 0 0
TIME WARNER INC COMMON STOCK 887317303 14 138 SH   SOLE 0 138 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 350 4,443 SH   SOLE 0 4,443 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 740 14,690 SH   SOLE 0 14,690 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 54 1,075 SH   DFND 0 1,075 0 0
Touchstone Sands Cap Instl Growth Fd MUTUAL FUND EQUITIES 89155J104 5,607 249,976 SH   DFND 0 248,441 1,535 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 395 7,960 SH   SOLE 0 7,960 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 21 200 SH   SOLE 0 200 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 7 145 SH   SOLE 0 145 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 175 1,385 SH   SOLE 0 1,385 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 6 50 SH   DFND 0 50 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 7 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 0 22 SH   DFND 0 22 0 0
US BANCORP COMMON STOCK 902973304 2,379 45,835 SH   SOLE 0 45,596 0 239
US BANCORP COMMON STOCK 902973304 228 4,387 SH   DFND 0 4,387 0 0
UNILEVER NV ADR FOREIGN EQUITIES 904784709 28 500 SH   SOLE 0 500 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 113 1,035 SH   SOLE 0 1,035 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 55 502 SH   DFND 0 502 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,820 16,460 SH   SOLE 0 16,364 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 117 1,058 SH   DFND 0 1,058 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,319 27,177 SH   SOLE 0 27,091 0 86
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 517 4,235 SH   DFND 0 4,235 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,518 8,185 SH   SOLE 0 8,185 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 51 275 SH   DFND 0 275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 5 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 943 16,375 SH   SOLE 0 16,375 0 0
VF CORP COMMON STOCK 918204108 23 400 SH   DFND 0 400 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 28 417 SH   SOLE 0 417 0 0
Valley Natl Bancorp Common COMMON STOCK 919794107 205 17,171 SH   SOLE 0 17,171 0 0
VANECK VECTORS GOLD MINERS ETF/INTERNATIONAL EQUITY 92189F106 433 19,600 SH   DFND 0 19,600 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189F361 46 1,500 SH   SOLE 0 1,500 0 0
VANECK VECTORS AGRIBUSINESS ETF/EQUITY 92189F700 28 500 SH   SOLE 0 500 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 734 7,917 SH   SOLE 0 7,917 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 642 6,928 SH   DFND 0 6,928 0 0
Vanguard Total Intl Stock Index Admiral MUTUAL FUND INTL EQUITIES 921909818 12,528 449,355 SH   DFND 0 444,314 5,041 0
VANGUARD WORLD FD MEGA GRWTH IND ETF/EQUITY 921910816 9 85 SH   SOLE 0 85 0 0
Vanguard Morgan Growth Admiral MUTUAL FUND EQUITIES 921928206 250 2,879 SH   SOLE 0 2,879 0 0
Vanguard Total Bond Market Index Adm MUTUAL FUND FIXED INCOME 921937603 23,602 2,189,454 SH   DFND 0 2,186,046 3,408 0
Vanguard Short-Term Bond Index Adm MUTUAL FUND FIXED INCOME 921937702 3,478 332,215 SH   DFND 0 316,215 16,000 0
Vanguard Interm-Term Bond Index Adm MUTUAL FUND FIXED INCOME 921937801 873 76,340 SH   SOLE 0 76,340 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 140 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 3,569 44,692 SH   SOLE 0 44,197 0 495
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 232 2,902 SH   DFND 0 2,902 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,673 20,447 SH   SOLE 0 19,552 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 199 2,428 SH   DFND 0 2,428 0 0
Vanguard Developed Markets Idx Admiral MUTUAL FUND EQUITIES 921943809 2,936 221,233 SH   SOLE 0 221,233 0 0
VANGUARD FTSE DEVELOPED MKTS ETF/INTERNATIONAL EQUITY 921943858 132 3,195 SH   SOLE 0 3,195 0 0
Vanguard High-Yield Corporate Adm MUTUAL FUND FIXED INCOME 922031760 319 53,654 SH   SOLE 0 53,654 0 0
Vanguard GNMA Adm MUTUAL FUND FIXED INCOME 922031794 769 72,994 SH   SOLE 0 72,994 0 0
Vanguard Interm-Term Investment-Grde Adm MUTUAL FUND FIXED INCOME 922031810 535 54,575 SH   SOLE 0 54,575 0 0
Vanguard Short-Term Investment-Grade Adm MUTUAL FUND FIXED INCOME 922031836 3,856 361,026 SH   SOLE 0 361,026 0 0
Vanguard Total Intl Bd Idx Admiral MUTUAL FUND FIXED INCOME 92203J308 888 40,858 SH   SOLE 0 40,858 0 0
VANGUARD ENERGY ETF ETF/EQUITY 92204A306 4 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 801 12,800 SH   SOLE 0 12,800 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 241 3,850 SH   DFND 0 3,850 0 0
VANGUARD WORLD FDS HEALTH CARE ETF ETF/EQUITY 92204A504 12 81 SH   SOLE 0 81 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 565 4,400 SH   DFND 0 4,400 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 172 1,504 SH   SOLE 0 1,504 0 0
Vanguard Emerging Mkts Stock Idx Adm MUTUAL FUND EQUITIES 922042841 3,489 103,347 SH   SOLE 0 103,347 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,650 40,473 SH   SOLE 0 40,473 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 162 3,958 SH   DFND 0 3,958 0 0
Vanguard Europe Index - ETF ETF/INTERNATIONAL EQUITY 922042874 7,819 141,987 SH   DFND 0 140,990 997 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 4,293 53,640 SH   SOLE 0 53,640 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 898 11,218 SH   DFND 0 11,218 0 0
Vanguard Infomation Technology ETF ETF/INTERNATIONAL EQUITY 92204A702 339 2,402 SH   SOLE 0 2,402 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV ETF/FIXED INCOME 92206C706 731 11,300 SH   SOLE 0 11,185 0 115
VANGUARD SCOTTSDALE FDS INT-TERM GOV ETF/FIXED INCOME 92206C706 30 460 SH   DFND 0 460 0 0
Vanguard Mortgage-Backed Sec Idx Admiral Mutual Funds 92206C755 370 17,547 SH   SOLE 0 17,547 0 0
VENTAS INC COMMON STOCK 92276F100 42 605 SH   SOLE 0 605 0 0
Vanguard Short-Term Tx-Ex Adm MUTUAL FUND FIXED INCOME 922907803 3,321 210,317 SH   SOLE 0 210,317 0 0
Vanguard High-Yield Tax-Exempt Adm MUTUAL FUND FIXED INCOME 922907845 1,760 156,123 SH   SOLE 0 156,123 0 0
Vanguard Intermediate-Term Tax-Exempt Fund MUTUAL FUND FIXED INCOME 922907878 9,806 693,988 SH   DFND 0 668,421 25,567 0
Vanguard Limited-Term Tax-Exempt Fund MUTUAL FUND FIXED INCOME 922907886 8,797 802,640 SH   DFND 0 769,876 32,764 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 443 1,999 SH   SOLE 0 1,999 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 79 675 SH   SOLE 0 675 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 2,966 35,645 SH   SOLE 0 35,645 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF/EQUITY 922908595 26 178 SH   SOLE 0 178 0 0
Vanguard Growth Index Adm MUTUAL FUND EQUITIES 922908660 7,742 118,562 SH   DFND 0 118,049 513 0
VANGUARD SMALL CAP VALUE ETF ETF/EQUITY 922908611 105 855 SH   SOLE 0 855 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 168 1,180 SH   SOLE 0 1,180 0 0
Vanguard Value Index Adm MUTUAL FUND EQUITIES 922908678 7,559 201,151 SH   DFND 0 200,263 888 0
Vanguard Small Cap Index Adm MUTUAL FUND EQUITIES 922908686 410 6,317 SH   SOLE 0 6,317 0 0
Vanguard Extended Market Idx Adm MUTUAL FUND EQUITIES 922908694 1,561 20,134 SH   SOLE 0 20,134 0 0
Vanguard 500 Index Admiral MUTUAL FUND EQUITIES 922908710 3,086 13,813 SH   DFND 0 13,627 186 0
Vanguard Total Stock Mkt Idx Adm MUTUAL FUND EQUITIES 922908728 14,399 238,085 SH   DFND 0 236,555 1,530 0
VANGUARD SMALL CAP ETF ETF/EQUITY 922908751 176 1,300 SH   SOLE 0 1,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF/EQUITY 922908769 8,064 64,798 SH   DFND 0 64,798 0 0
VERIFONE SYSTEMS INC COMMON STOCK 92342Y109 2 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 5,341 119,622 SH   SOLE 0 119,439 0 183
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,300 29,122 SH   DFND 0 29,122 0 0
VISA INC CLASS A COMMON STOCK 92826C839 342 3,645 SH   SOLE 0 3,645 0 0
VISA INC CLASS A COMMON STOCK 92826C839 11 120 SH   DFND 0 120 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 8 291 SH   SOLE 0 291 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 350 4,200 SH   SOLE 0 4,200 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 204 3,324 SH   SOLE 0 3,324 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,408 31,812 SH   SOLE 0 31,700 0 112
WAL MART STORES INC COMMON STOCK 931142103 535 7,068 SH   DFND 0 7,068 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 514 6,560 SH   SOLE 0 6,560 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 28 355 SH   DFND 0 355 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 29 400 SH   SOLE 0 400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 35 475 SH   DFND 0 475 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,969 35,548 SH   SOLE 0 35,418 0 130
WELLS FARGO & CO COMMON STOCK 949746101 186 3,352 SH   DFND 0 3,352 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 54 1,600 SH   SOLE 0 1,600 0 0
WHEATON PRECIOUS METALS CORP FOREIGN EQUITIES 962879102 7 355 SH   DFND 0 355 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 6 200 SH   SOLE 0 200 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 1 167 SH   DFND 0 167 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 1,244 18,195 SH   SOLE 0 18,195 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 17 245 SH   DFND 0 245 0 0
WISDOMTREE TR BLMBG US BULL ETF/OTHER 97717W471 2,452 93,415 SH   SOLE 0 93,220 0 195
XCEL ENERGY INC COMMON STOCK 98389B100 9 200 SH   SOLE 0 200 0 0