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
AFLAC INC COMMON STOCK 001055102 578 9,164 SH   DFND 2 9,164 0 0
ABBOTT LABS COMMON STOCK 002824100 588 15,257 SH   DFND 2 15,257 0 0
ABBOTT LABS COMMON STOCK 002824100 103 2,675 SH   OTR 2 0 2,675 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 80 400 SH   DFND 2 400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 25 210 SH   DFND 2 210 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 80 675 SH   OTR 2 0 675 0
ALCOA INC COMMON STOCK 013817101 3 200 SH   DFND 2 200 0 0
ALLIANT CORP COMMON STOCK 018802108 274 4,815 SH   DFND 2 4,815 0 0
ALLIANT CORP COMMON STOCK 018802108 34 600 SH   OTR 2 0 600 0
ALLSTATE CORP COMMON STOCK 020002101 6 100 SH   OTR 2 0 100 0
ALTERA CORP COMMON STOCK 021441100 190 5,250 SH   DFND 2 5,250 0 0
ALTERA CORP COMMON STOCK 021441100 24 650 SH   OTR 2 0 650 0
AMAZON.COM INC COMMON STOCK 023135106 1,244 3,699 SH   DFND 2 3,699 0 0
AMAZON.COM INC COMMON STOCK 023135106 109 325 SH   OTR 2 0 325 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 42 830 SH   DFND 2 830 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,389 26,533 SH   DFND 2 26,533 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 399 4,430 SH   OTR 2 0 4,430 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 175 3,505 SH   DFND 2 3,505 0 0
AMGEN INC COMMON STOCK 031162100 597 4,838 SH   DFND 2 4,838 0 0
AMGEN INC COMMON STOCK 031162100 31 250 SH   OTR 2 0 250 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 273 3,220 SH   DFND 2 3,220 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 587 11,040 SH   DFND 2 11,040 0 0
ANNALY CAPITAL MANAGEMENT REIT COMMON STOCK 035710409 11 1,024 SH   DFND 2 0 0 0
APACHE CORP COMMON STOCK 037411105 317 3,820 SH   DFND 2 3,820 0 0
APACHE CORP COMMON STOCK 037411105 21 250 SH   OTR 2 0 250 0
APOLLO GLOBAL MANAGEMENT LLC COMMON STOCK 037612306 341 10,731 SH   DFND 2 10,731 0 0
APPLE INC COMMON STOCK 037833100 3,890 7,247 SH   DFND 2 7,247 0 0
APPLE INC COMMON STOCK 037833100 416 775 SH   OTR 2 0 775 0
APPLIED MATERIALS INC COMMON STOCK 038222105 276 13,520 SH   DFND 2 13,520 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 7 170 SH   DFND 2 170 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 34,707 1,312,668 SH   DFND 2 1,312,668 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 520 19,651 SH   OTR 2 0 19,651 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 187 2,420 SH   DFND 2 2,420 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 498 6,450 SH   OTR 2 0 6,450 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 4 30 SH   DFND 2 0 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 111 2,300 SH   DFND 2 2,300 0 0
BADGER METER INC COMMON STOCK 056525108 33 600 SH   DFND 2 600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 385 22,375 SH   DFND 2 22,375 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 41 2,389 SH   OTR 2 0 2,389 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 504 14,276 SH   DFND 2 14,276 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 129 3,661 SH   OTR 2 0 3,661 0
BARRICK GOLD CORP COMMON STOCK 067901108 4 230 SH   DFND 2 230 0 0
BAXTER INTL INC COMMON STOCK 071813109 120 1,630 SH   DFND 2 1,630 0 0
BAXTER INTL INC COMMON STOCK 071813109 207 2,813 SH   OTR 2 0 2,813 0
BEAM INC COMMON STOCK 073730103 50 600 SH   DFND 2 600 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 11 155 SH   DFND 2 155 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,078 16,631 SH   DFND 2 16,631 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 235 1,880 SH   OTR 2 0 1,880 0
BEST BUY COMPANY INC COMMON STOCK 086516101 5 195 SH   DFND 2 195 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 77 1,525 SH   DFND 2 1,525 0 0
BOEING CO COMMON STOCK 097023105 613 4,884 SH   DFND 2 4,884 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 4 265 SH   DFND 2 265 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,580 30,417 SH   DFND 2 30,417 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 188 3,625 SH   OTR 2 0 3,625 0
BROADCOM CORP COMMON STOCK 111320107 53 1,700 SH   DFND 2 1,700 0 0
BROADCOM CORP COMMON STOCK 111320107 27 850 SH   OTR 2 0 850 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 11 145 SH   DFND 2 145 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 38 500 SH   OTR 2 0 500 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 22 150 SH   DFND 2 150 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 528 8,550 SH   DFND 2 8,550 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 63 1,015 SH   OTR 2 0 1,015 0
CVS CAREMARK CORP COMMON STOCK 126650100 1,007 13,451 SH   DFND 2 13,451 0 0
CVS CAREMARK CORP COMMON STOCK 126650100 106 1,415 SH   OTR 2 0 1,415 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 7 130 SH   DFND 2 130 0 0
CARNIVAL CORP COMMON STOCK 143658300 45 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 971 9,775 SH   DFND 2 9,775 0 0
CATERPILLAR INC COMMON STOCK 149123101 161 1,620 SH   OTR 2 0 1,620 0
CELGENE CORP COMMON STOCK 151020104 935 6,701 SH   DFND 2 6,701 0 0
CELGENE CORP COMMON STOCK 151020104 108 775 SH   OTR 2 0 775 0
CENTURYLINK INC COMMON STOCK 156700106 56 1,705 SH   DFND 2 1,705 0 0
CERNER CORP COMMON STOCK 156782104 473 8,411 SH   DFND 2 8,411 0 0
CERNER CORP COMMON STOCK 156782104 28 500 SH   OTR 2 0 500 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 681 14,302 SH   DFND 2 14,302 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 0 100 0
CHEMUNG FINL CRP COMMON STOCK 164024101 11 400 SH   DFND 2 400 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 3,143 26,429 SH   DFND 2 26,429 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 818 6,875 SH   OTR 2 0 6,875 0
CHUBB CORP COMMON STOCK 171232101 298 3,332 SH   DFND 2 3,332 0 0
CHUBB CORP COMMON STOCK 171232101 36 400 SH   OTR 2 0 400 0
CITIGROUP INC COMMON STOCK 172967424 878 18,441 SH   DFND 2 18,441 0 0
CITIGROUP INC COMMON STOCK 172967424 35 736 SH   OTR 2 0 736 0
CITRIX SYSTEMS INC COMMON STOCK 177376100 194 3,380 SH   DFND 2 3,380 0 0
CITRIX SYSTEMS INC COMMON STOCK 177376100 19 325 SH   OTR 2 0 325 0
CLOROX COMPANY COMMON STOCK 189054109 22 250 SH   DFND 2 250 0 0
CLOROX COMPANY COMMON STOCK 189054109 44 500 SH   OTR 2 0 500 0
CLOVIS ONCOLOGY COMMON STOCK 189464100 5 70 SH   DFND 2 70 0 0
COACH INC COMMON STOCK 189754104 2 50 SH   DFND 2 50 0 0
COCA COLA CO COMMON STOCK 191216100 1,396 36,111 SH   DFND 2 36,111 0 0
COCA COLA CO COMMON STOCK 191216100 51 1,320 SH   OTR 2 0 1,320 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 293 5,790 SH   DFND 2 5,790 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 48 950 SH   OTR 2 0 950 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,571 24,215 SH   DFND 2 24,215 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 520 8,010 SH   OTR 2 0 8,010 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 253 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 7 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 60 1,114 SH   DFND 2 1,114 0 0
CORNING INC COMMON STOCK 219350105 63 3,025 SH   DFND 2 3,025 0 0
CORNING INC COMMON STOCK 219350105 21 1,000 SH   OTR 2 0 1,000 0
DTE ENERGY CO COMMON STOCK 233331107 257 3,459 SH   DFND 2 3,459 0 0
DTE ENERGY CO COMMON STOCK 233331107 36 485 SH   OTR 2 0 485 0
DANAHER CORP COMMON STOCK 235851102 1,310 17,464 SH   DFND 2 17,464 0 0
DANAHER CORP COMMON STOCK 235851102 294 3,920 SH   OTR 2 0 3,920 0
DEERE & CO COMMON STOCK 244199105 454 5,000 SH   DFND 2 5,000 0 0
DEERE & CO COMMON STOCK 244199105 45 500 SH   OTR 2 0 500 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,933 24,141 SH   DFND 2 24,141 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 664 8,287 SH   OTR 2 0 8,287 0
DOLLAR TREE INC COMMON STOCK 256746108 523 10,030 SH   DFND 2 10,030 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 622 12,792 SH   DFND 2 12,792 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 41 840 SH   OTR 2 0 840 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 893 13,308 SH   DFND 2 13,308 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 202 3,015 SH   OTR 2 0 3,015 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 8 150 SH   DFND 2 150 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 25 500 SH   OTR 2 0 500 0
EMC CORP MASS COMMON STOCK 268648102 473 17,240 SH   DFND 2 17,240 0 0
EMC CORP MASS COMMON STOCK 268648102 48 1,750 SH   OTR 2 0 1,750 0
EBAY INC COMMON STOCK 278642103 1,103 19,965 SH   DFND 2 19,965 0 0
EBAY INC COMMON STOCK 278642103 3 50 SH   OTR 2 0 50 0
ECOLAB INC COMMON STOCK 278865100 529 4,895 SH   DFND 2 4,895 0 0
ECOLAB INC COMMON STOCK 278865100 178 1,650 SH   OTR 2 0 1,650 0
EDISON INTERNATIONAL COMMON STOCK 281020107 8 150 SH   DFND 2 150 0 0
EMERSON ELEC CO COMMON STOCK 291011104 595 8,908 SH   DFND 2 8,908 0 0
EMERSON ELEC CO COMMON STOCK 291011104 364 5,450 SH   OTR 2 0 5,450 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 10 150 SH   DFND 2 150 0 0
F5 NETWORKS INC COMMON STOCK 315616102 21 200 SH   DFND 2 200 0 0
FIRST SOLAR INC COMMON STOCK 336433107 1 18 SH   DFND 2 18 0 0
FISERV INC COMMON STOCK 337738108 170 3,000 SH   DFND 2 3,000 0 0
FISERV INC COMMON STOCK 337738108 11 200 SH   OTR 2 0 200 0
FIRSTENERGY CORP COMMON STOCK 337932107 3 95 SH   DFND 2 95 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 763 48,914 SH   DFND 2 48,914 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 81 5,200 SH   OTR 2 0 5,200 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 1,157 21,348 SH   DFND 2 21,348 0 0
GANNETT INC COMMON STOCK 364730101 3 100 SH   DFND 2 100 0 0
GAP INC COMMON STOCK 364760108 6 150 SH   DFND 2 150 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 275 2,525 SH   DFND 2 2,525 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 28 255 SH   OTR 2 0 255 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,617 139,713 SH   DFND 2 139,713 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,147 44,322 SH   OTR 2 0 44,322 0
GENERAL MLS INC COMMON STOCK 370334104 1,147 22,130 SH   DFND 2 22,130 0 0
GENERAL MLS INC COMMON STOCK 370334104 84 1,625 SH   OTR 2 0 1,625 0
GENUINE PARTS CO COMMON STOCK 372460105 9 100 SH   DFND 2 100 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 984 13,885 SH   DFND 2 13,885 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 75 1,065 SH   OTR 2 0 1,065 0
GLADSTONE COMMERCIAL CORP REIT COMMON STOCK 376536108 10 600 SH   DFND 2 0 0 0
GRUMA S.A.B. DE C.V. ADR COMMON STOCK 400131306 43 1,300 SH   DFND 2 1,300 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 7 75 SH   DFND 2 75 0 0
HALLIBURTON CO COMMON STOCK 406216101 681 11,570 SH   DFND 2 11,570 0 0
HALLIBURTON CO COMMON STOCK 406216101 85 1,450 SH   OTR 2 0 1,450 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 85 1,280 SH   OTR 2 0 1,280 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 5 150 SH   DFND 2 150 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 332 3,090 SH   DFND 2 3,090 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 762 7,295 SH   DFND 2 7,295 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 26 250 SH   OTR 2 0 250 0
HEWLETT PACKARD CO COMMON STOCK 428236103 27 825 SH   DFND 2 825 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 307 9,475 SH   OTR 2 0 9,475 0
HEXCEL CORP COMMON STOCK 428291108 34 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,540 19,463 SH   DFND 2 19,463 0 0
HOME DEPOT INC COMMON STOCK 437076102 165 2,080 SH   OTR 2 0 2,080 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,154 12,440 SH   DFND 2 12,440 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 155 1,675 SH   OTR 2 0 1,675 0
HOSPIRA INC COMMON STOCK 441060100 11 260 SH   DFND 2 260 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 57 695 SH   DFND 2 695 0 0
INTEL CORP COMMON STOCK 458140100 2,187 84,704 SH   DFND 2 84,704 0 0
INTEL CORP COMMON STOCK 458140100 272 10,535 SH   OTR 2 0 10,535 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3,901 20,265 SH   DFND 2 20,265 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,894 9,841 SH   OTR 2 0 9,841 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 447 4,672 SH   DFND 2 4,672 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 396 8,625 SH   DFND 2 8,625 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 46 1,000 SH   OTR 2 0 1,000 0
ISHARES GOLD TRUST OTHER 464285105 1 100 SH   DFND 2 0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 6 56 SH   DFND 2 0 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 3,819 27,781 SH   DFND 2 0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 44 375 SH   DFND 2 0 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 1,864 16,920 SH   DFND 2 0 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 196 1,815 SH   DFND 2 0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 1,295 33,188 SH   DFND 2 0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 109 2,800 SH   OTR 2 0 2,800 0
ISHARES S&P GLB MATERIALS ETF OTHER 464288695 6 100 SH   DFND 2 0 0 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 26 735 SH   DFND 2 0 0 0
ISHARES MSCI EAFE VALUE ETF OTHER 464288877 45 775 SH   DFND 2 0 0 0
JABIL CIRCUIT INC COMMON STOCK 466313103 63 3,500 SH   DFND 2 3,500 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 385 6,063 SH   DFND 2 6,063 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 78 1,223 SH   OTR 2 0 1,223 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,205 32,625 SH   DFND 2 32,625 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,063 21,000 SH   OTR 2 0 21,000 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 86 1,825 SH   DFND 2 1,825 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 5 100 SH   OTR 2 0 100 0
KELLOGG CO COMMON STOCK 487836108 77 1,225 SH   DFND 2 1,225 0 0
KELLOGG CO COMMON STOCK 487836108 160 2,555 SH   OTR 2 0 2,555 0
KEYCORP COMMON STOCK 493267108 40 2,822 SH   DFND 2 2,822 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 110 1,000 SH   DFND 2 1,000 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 6 80 SH   DFND 2 80 0 0
L BRANDS, INC COMMON STOCK 501797104 27 475 SH   DFND 2 475 0 0
LILLY ELI & CO COMMON STOCK 532457108 333 5,650 SH   DFND 2 5,650 0 0
LILLY ELI & CO COMMON STOCK 532457108 145 2,460 SH   OTR 2 0 2,460 0
LINN ENERGY LLC COMMON STOCK 536020100 8 274 SH   DFND 2 274 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 112 685 SH   DFND 2 685 0 0
LOWES COS INC COMMON STOCK 548661107 598 12,226 SH   DFND 2 12,226 0 0
LOWES COS INC COMMON STOCK 548661107 227 4,650 SH   OTR 2 0 4,650 0
MARATHON OIL CORP COMMON STOCK 565849106 424 11,945 SH   DFND 2 11,945 0 0
MARATHON OIL CORP COMMON STOCK 565849106 9 260 SH   OTR 2 0 260 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 57 1,009 SH   DFND 2 1,009 0 0
MASCO CORP COMMON STOCK 574599106 460 20,722 SH   DFND 2 20,722 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 57 800 SH   OTR 2 0 800 0
MCDONALDS CORP COMMON STOCK 580135101 1,625 16,580 SH   DFND 2 16,580 0 0
MCDONALDS CORP COMMON STOCK 580135101 547 5,575 SH   OTR 2 0 5,575 0
MEDTRONIC INC COMMON STOCK 585055106 506 8,225 SH   DFND 2 8,225 0 0
MEDTRONIC INC COMMON STOCK 585055106 158 2,575 SH   OTR 2 0 2,575 0
MICROSOFT CORP COMMON STOCK 594918104 2,883 70,331 SH   DFND 2 70,331 0 0
MICROSOFT CORP COMMON STOCK 594918104 782 19,079 SH   OTR 2 0 19,079 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 293 6,140 SH   DFND 2 6,140 0 0
MOHAWK INDUSTRIES INC COMMON STOCK 608190104 31 225 SH   DFND 2 225 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 257 7,425 SH   DFND 2 7,425 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 67 1,932 SH   OTR 2 0 1,932 0
MORGAN STANLEY COMMON STOCK 617446448 1,301 41,754 SH   DFND 2 41,754 0 0
MYLAN INC COMMON STOCK 628530107 365 7,470 SH   DFND 2 7,470 0 0
MYLAN INC COMMON STOCK 628530107 90 1,850 SH   OTR 2 0 1,850 0
NBT BANCORP INC COM COMMON STOCK 628778102 24 965 SH   DFND 2 965 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 828 10,630 SH   DFND 2 10,630 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 95 1,225 SH   OTR 2 0 1,225 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 6 200 SH   DFND 2 200 0 0
NEWMONT MNG CORP COMMON STOCK 651639106 4 175 SH   DFND 2 175 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 427 5,778 SH   DFND 2 5,778 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 65 915 SH   DFND 2 915 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 146 1,505 SH   DFND 2 1,505 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 76 785 SH   OTR 2 0 785 0
NORTHEAST UTILITIES COMMON STOCK 664397106 9 200 SH   DFND 2 200 0 0
NORTHERN TR CORP COMMON STOCK 665859104 8 125 SH   DFND 2 125 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 9 75 SH   DFND 2 75 0 0
NUCOR CORP COMMON STOCK 670346105 202 3,995 SH   DFND 2 3,995 0 0
NUCOR CORP COMMON STOCK 670346105 33 650 SH   OTR 2 0 650 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 956 10,035 SH   DFND 2 10,035 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 38 400 SH   OTR 2 0 400 0
OCEANEERING INTL INC COMMON STOCK 675232102 22 300 SH   DFND 2 300 0 0
OLIN CORP COMMON STOCK 680665205 8 300 SH   DFND 2 300 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 4 50 SH   DFND 2 50 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 217 1,120 SH   DFND 2 1,120 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 102 1,450 SH   OTR 2 0 1,450 0
PALL CORP COMMON STOCK 696429307 9 100 SH   DFND 2 100 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 293 2,450 SH   DFND 2 2,450 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 27 225 SH   OTR 2 0 225 0
PATRICK INDS INC COMMON STOCK 703343103 4 100 SH   DFND 2 100 0 0
PAYCHEX INC COMMON STOCK 704326107 145 3,400 SH   DFND 2 3,400 0 0
PAYCHEX INC COMMON STOCK 704326107 43 1,000 SH   OTR 2 0 1,000 0
PEPSICO INC COMMON STOCK 713448108 2,356 28,218 SH   DFND 2 28,218 0 0
PEPSICO INC COMMON STOCK 713448108 1,441 17,253 SH   OTR 2 0 17,253 0
PFIZER INC COMMON STOCK 717081103 1,693 52,709 SH   DFND 2 52,709 0 0
PFIZER INC COMMON STOCK 717081103 544 16,936 SH   OTR 2 0 16,936 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 859 10,494 SH   DFND 2 10,494 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 17 205 SH   OTR 2 0 205 0
PHILLIPS 66 COMMON STOCK 718546104 357 4,630 SH   DFND 2 4,630 0 0
PHILLIPS 66 COMMON STOCK 718546104 89 1,155 SH   OTR 2 0 1,155 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 24 126 SH   DFND 2 126 0 0
PRECISION CASTPARTS CORP COMMON STOCK 740189105 253 1,000 SH   DFND 2 1,000 0 0
PRICELINE.COM INC COMMON STOCK 741503403 161 135 SH   DFND 2 135 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,355 29,221 SH   DFND 2 29,221 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 745 9,239 SH   OTR 2 0 9,239 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 862 10,186 SH   DFND 2 10,186 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 68 800 SH   OTR 2 0 800 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 15 400 SH   DFND 2 400 0 0
QUALCOMM INC COMMON STOCK 747525103 1,468 18,615 SH   DFND 2 18,615 0 0
QUALCOMM INC COMMON STOCK 747525103 41 520 SH   OTR 2 0 520 0
RAYTHEON COMPANY COMMON STOCK 755111507 5 50 SH   DFND 2 50 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 14 191 SH   DFND 2 191 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 368 5,625 SH   DFND 2 5,625 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,296 13,288 SH   DFND 2 13,288 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 122 1,255 SH   OTR 2 0 1,255 0
SEMPRA ENERGY COMMON STOCK 816851109 254 2,620 SH   DFND 2 2,620 0 0
SIEMENS AG SPONS ADR COMMON STOCK 826197501 15 110 SH   DFND 2 110 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 403 2,460 SH   DFND 2 2,460 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 45 275 SH   OTR 2 0 275 0
SOUTHERN COMPANY COMMON STOCK 842587107 235 5,340 SH   DFND 2 5,340 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 67 1,535 SH   OTR 2 0 1,535 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 50 2,100 SH   DFND 2 2,100 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 7 180 SH   DFND 2 180 0 0
STAPLES INC COMMON STOCK 855030102 11 1,000 SH   OTR 2 0 1,000 0
STARBUCKS CORP COMMON STOCK 855244109 1,139 15,525 SH   DFND 2 15,525 0 0
STARBUCKS CORP COMMON STOCK 855244109 121 1,650 SH   OTR 2 0 1,650 0
STRYKER CORPORATION COMMON STOCK 863667101 6 75 SH   DFND 2 75 0 0
STRYKER CORPORATION COMMON STOCK 863667101 33 400 SH   OTR 2 0 400 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 2 60 SH   DFND 2 60 0 0
SUNCOR ENERGY INC COMMON STOCK 867224107 7 200 SH   DFND 2 200 0 0
TJX COS INC COMMON STOCK 872540109 1,103 18,185 SH   DFND 2 18,185 0 0
TJX COS INC COMMON STOCK 872540109 108 1,775 SH   OTR 2 0 1,775 0
TESORO CORPORATION COMMON STOCK 881609101 6 125 SH   DFND 2 125 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 48 900 SH   DFND 2 900 0 0
THOMSON CORP COMMON STOCK 884903105 3 100 SH   DFND 2 100 0 0
TIME WARNER INC COMMON STOCK 887317303 800 12,239 SH   DFND 2 12,239 0 0
TIME WARNER INC COMMON STOCK 887317303 81 1,240 SH   OTR 2 0 1,240 0
TOLL BROTHERS INC COMMON STOCK 889478103 1 25 SH   DFND 2 25 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 1,042 22,196 SH   DFND 2 22,196 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 98 2,084 SH   OTR 2 0 2,084 0
TRACTOR SUPPLY CO COMMON STOCK 892356106 35 500 SH   OTR 2 0 500 0
US BANCORP NEW COMMON STOCK 902973304 655 15,285 SH   DFND 2 15,285 0 0
US BANCORP NEW COMMON STOCK 902973304 237 5,525 SH   OTR 2 0 5,525 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 954 8,320 SH   DFND 2 8,320 0 0
UNION PAC CORP COMMON STOCK 907818108 1,145 6,100 SH   DFND 2 6,100 0 0
UNION PAC CORP COMMON STOCK 907818108 83 440 SH   OTR 2 0 440 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,089 11,184 SH   DFND 2 11,184 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 151 1,550 SH   OTR 2 0 1,550 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 3 100 SH   DFND 2 100 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,818 15,558 SH   DFND 2 15,558 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,153 9,865 SH   OTR 2 0 9,865 0
V.F. CORP COMMON STOCK 918204108 3 50 SH   DFND 2 50 0 0
VEEVA SYSTEMS INC COMMON STOCK 922475108 3 100 SH   DFND 2 100 0 0
VANGUARD TOTAL STOCK MARKET ET OTHER 922908769 66 674 SH   DFND 2 0 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,234 16,139 SH   DFND 2 16,139 0 0
WAL MART STORES INC COMMON STOCK 931142103 105 1,375 SH   OTR 2 0 1,375 0
WALGREEN CO COMMON STOCK 931422109 18 280 SH   DFND 2 280 0 0
WELLS FARGO & CO COMMON STOCK 949746101 2,647 53,210 SH   DFND 2 53,210 0 0
WELLS FARGO & CO COMMON STOCK 949746101 337 6,775 SH   OTR 2 0 6,775 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 4 150 SH   DFND 2 0 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 13 85 SH   DFND 2 85 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 61 1,300 SH   DFND 2 1,300 0 0
XILINX INC COMMON STOCK 983919101 266 4,900 SH   DFND 2 4,900 0 0
XILINX INC COMMON STOCK 983919101 30 550 SH   OTR 2 0 550 0
YAHOO INC COMMON STOCK 984332106 5 145 SH   DFND 2 145 0 0
YUM! BRANDS INC COMMON STOCK 988498101 214 2,838 SH   DFND 2 2,838 0 0
YUM! BRANDS INC COMMON STOCK 988498101 25 325 SH   OTR 2 0 325 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 168 2,554 SH   DFND 2 2,554 0 0
TARGET CORP COMMON STOCK 87612E106 312 5,159 SH   DFND 2 5,159 0 0
TARGET CORP COMMON STOCK 87612E106 132 2,175 SH   OTR 2 0 2,175 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 405 4,755 SH   DFND 2 4,755 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 46 545 SH   OTR 2 0 545 0
ADT CORP COMMON STOCK 00101J106 7 250 SH   DFND 2 250 0 0
AT&T INC COMMON STOCK 00206R102 1,570 44,774 SH   DFND 2 44,774 0 0
AT&T INC COMMON STOCK 00206R102 533 15,191 SH   OTR 2 0 15,191 0
ABBVIE INC COMMON STOCK 00287Y109 700 13,622 SH   DFND 2 13,622 0 0
ABBVIE INC COMMON STOCK 00287Y109 137 2,675 SH   OTR 2 0 2,675 0
ADOBE SYS INC COMMON STOCK 00724F101 20 300 SH   DFND 2 300 0 0
ADOBE SYS INC COMMON STOCK 00724F101 3 50 SH   OTR 2 0 50 0
AETNA INC COMMON STOCK 00817Y108 973 12,980 SH   DFND 2 12,980 0 0
AETNA INC COMMON STOCK 00817Y108 79 1,050 SH   OTR 2 0 1,050 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 6 110 SH   DFND 2 110 0 0
ALLIANZGI NFJ DV INT & PREM ST OTHER 01883A107 21 1,128 SH   DFND 2 0 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 18 1,000 SH   DFND 2 1,000 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 389 10,403 SH   DFND 2 10,403 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 12 320 SH   OTR 2 0 320 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 33 400 SH   DFND 2 400 0 0
AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 9 80 SH   DFND 2 80 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 27 1,082 SH   DFND 2 1,082 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 19 767 SH   OTR 2 0 767 0
BIOGEN IDEC INC COMMON STOCK 09062X103 37 120 SH   DFND 2 120 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 31 100 SH   DFND 2 100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 94 300 SH   OTR 2 0 300 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 34 1,025 SH   DFND 2 1,025 0 0
CST BRANDS INC COMMON STOCK 12646R105 1 16 SH   DFND 2 16 0 0
CA INC COMMON STOCK 12673P105 6 200 SH   DFND 2 200 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 15 190 SH   DFND 2 190 0 0
CAPSTONE TURBINE CORP COMMON STOCK 14067D102 1 600 SH   DFND 2 600 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 489 6,990 SH   DFND 2 6,990 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 28 400 SH   OTR 2 0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 297 13,240 SH   DFND 2 13,240 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 129 5,735 SH   OTR 2 0 5,735 0
COMCAST CORP-CL A COMMON STOCK 20030N101 505 10,098 SH   DFND 2 10,098 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 85 1,700 SH   OTR 2 0 1,700 0
COMPANHIA SIDERURGICA SPONS AD COMMON STOCK 20440W105 3 700 SH   DFND 2 700 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,398 19,874 SH   DFND 2 19,874 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 115 1,632 SH   OTR 2 0 1,632 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,115 9,985 SH   DFND 2 9,985 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 73 650 SH   OTR 2 0 650 0
DELCATH SYSTEMS INC COMMON STOCK 24661P104 0 150 SH   DFND 2 150 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103 13 200 SH   DFND 2 200 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 979 13,796 SH   DFND 2 13,796 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 160 2,250 SH   OTR 2 0 2,250 0
DUKE ENERGY CORP COMMON STOCK 26441C204 70 984 SH   DFND 2 984 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 51 717 SH   OTR 2 0 717 0
EOG RES INC COMMON STOCK 26875P101 24 120 SH   DFND 2 120 0 0
EQT CORPORATION COMMON STOCK 26884L109 22 226 SH   DFND 2 226 0 0
EATON VANCE T/A GL DVD INCM OTHER 27828S101 70 4,195 SH   DFND 2 0 0 0
EXELON CORP COMMON STOCK 30161N101 29 865 SH   DFND 2 865 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 868 11,564 SH   DFND 2 11,564 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 116 1,548 SH   OTR 2 0 1,548 0
EXXONMOBIL CORP COMMON STOCK 30231G102 4,256 43,575 SH   DFND 2 42,759 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,906 19,515 SH   OTR 2 0 19,515 0
FACEBOOK INC-A COMMON STOCK 30303M102 285 4,725 SH   DFND 2 4,725 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 511 3,852 SH   DFND 2 3,852 0 0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK 31620R105 94 3,000 SH   DFND 2 3,000 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 25 600 SH   DFND 2 600 0 0
FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 7 200 SH   DFND 2 200 0 0
FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 3 100 SH   OTR 2 0 100 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 30 1,350 SH   DFND 2 0 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 758 22,025 SH   DFND 2 22,025 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   DFND 2 100 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   OTR 2 0 100 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 694 4,234 SH   DFND 2 4,234 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,763 2,479 SH   DFND 2 2,479 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 318 285 SH   OTR 2 0 285 0
CGI GROUP INC COMMON STOCK 39945C109 2 50 SH   DFND 2 50 0 0
HCP INC REIT COMMON STOCK 40414L109 2 50 SH   DFND 2 0 0 0
HATTERAS FINL CORP REIT COMMON STOCK 41902R103 18 950 SH   DFND 2 0 0 0
HESS CORPORATION COMMON STOCK 42809H107 16 195 SH   DFND 2 195 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 5 260 SH   DFND 2 0 0 0
IMATION CORP COMMON STOCK 45245A107 1 120 SH   OTR 2 0 120 0
ISHARES SILVER TRUST OTHER 46428Q109 40 2,084 SH   DFND 2 0 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,602 42,861 SH   DFND 2 42,861 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 517 8,518 SH   OTR 2 0 8,518 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 663 25,725 SH   DFND 2 25,725 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 68 2,650 SH   OTR 2 0 2,650 0
KADANT INC COMMON STOCK 48282T104 30 809 SH   DFND 2 809 0 0
KB HOME COM COMMON STOCK 48666K109 532 31,315 SH   DFND 2 31,315 0 0
KB HOME COM COMMON STOCK 48666K109 17 1,000 SH   OTR 2 0 1,000 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 106 1,000 SH   OTR 2 0 1,000 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   DFND 2 0 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 3 100 SH   DFND 2 100 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 463 8,259 SH   DFND 2 8,259 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 43 762 SH   OTR 2 0 762 0
LINKEDIN CORP-A COMMON STOCK 53578A108 7 40 SH   DFND 2 40 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 9 100 SH   DFND 2 100 0 0
MARKET VECTORS ETF TRUST OTHER 57060U183 23 250 SH   DFND 2 0 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 42 560 SH   DFND 2 560 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,603 28,237 SH   DFND 2 28,237 0 0
MERCK & CO INC COMMON STOCK 58933Y105 397 6,985 SH   OTR 2 0 6,985 0
METLIFE INC COMMON STOCK 59156R108 682 12,914 SH   DFND 2 12,914 0 0
METLIFE INC COMMON STOCK 59156R108 87 1,640 SH   OTR 2 0 1,640 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 6 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 6 50 SH   DFND 2 50 0 0
NEWS CORP/NEW CL A COMMON STOCK 65249B109 0 25 SH   OTR 2 0 25 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 851 8,901 SH   DFND 2 8,901 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 76 795 SH   OTR 2 0 795 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 60 700 SH   DFND 2 700 0 0
NUVEEN DVD ADVANTAGE MUNI FD OTHER 67066V101 16 1,167 SH   DFND 2 0 0 0
NUVEEN NY DIV ADV MUNI FUND 2 OTHER 67070A101 5 360 SH   DFND 2 0 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,080 50,854 SH   DFND 2 50,854 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 261 6,390 SH   OTR 2 0 6,390 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 5 30 SH   DFND 2 30 0 0
POWERSHARES WILDERHILL CLEAN E OTHER 73935X500 28 3,950 SH   DFND 2 0 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 33 1,250 SH   DFND 2 0 0 0
PRAXAIR INC COMMON STOCK 74005P104 774 5,910 SH   DFND 2 5,910 0 0
PRAXAIR INC COMMON STOCK 74005P104 83 635 SH   OTR 2 0 635 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,070 12,990 SH   DFND 2 12,990 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 401 4,875 SH   OTR 2 0 4,875 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 38 650 SH   OTR 2 0 650 0
REGENERON PHARMACEUTICALS INC COMMON STOCK 75886F107 12 40 SH   DFND 2 40 0 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 10 700 SH   DFND 2 0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 9 50 SH   DFND 2 0 0 0
SPDR GOLD TRUST OTHER 78463V107 19 156 SH   DFND 2 0 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 112 625 SH   DFND 2 0 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 26 420 SH   DFND 2 0 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 93 900 SH   DFND 2 0 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 142 1,250 SH   DFND 2 0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 1,096 4,375 SH   DFND 2 0 0 0
SALESFORCE.COM COMMON STOCK 79466L302 619 10,839 SH   DFND 2 10,839 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 97 2,058 SH   DFND 2 0 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 200 3,425 SH   DFND 2 0 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 69 1,610 SH   DFND 2 0 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 134 2,075 SH   DFND 2 0 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 182 2,048 SH   DFND 2 0 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 299 13,402 SH   DFND 2 0 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 121 2,315 SH   DFND 2 0 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 162 4,455 SH   DFND 2 0 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 120 2,902 SH   DFND 2 0 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 3 1,000 SH   DFND 2 1,000 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 741 9,314 SH   DFND 2 9,314 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 19 325 SH   DFND 2 325 0 0
3M CO COMMON STOCK 88579Y101 1,412 10,410 SH   DFND 2 10,410 0 0
3M CO COMMON STOCK 88579Y101 722 5,320 SH   OTR 2 0 5,320 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 15 110 SH   DFND 2 110 0 0
TRUEBLUE INC COMMON STOCK 89785X101 38 1,300 SH   DFND 2 1,300 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 101 3,155 SH   DFND 2 3,155 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 3 100 SH   OTR 2 0 100 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 35 1,200 SH   DFND 2 0 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 9 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 535 6,525 SH   DFND 2 6,525 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 21 255 SH   OTR 2 0 255 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 345 6,495 SH   DFND 2 6,495 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,691 35,547 SH   DFND 2 35,547 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 338 7,115 SH   OTR 2 0 7,115 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 14 195 SH   DFND 2 195 0 0
VIACOM INC-B COMMON STOCK 92553P201 271 3,186 SH   DFND 2 3,186 0 0
VIACOM INC-B COMMON STOCK 92553P201 167 1,960 SH   OTR 2 0 1,960 0
VISA INC CL A COMMON STOCK 92826C839 1,786 8,275 SH   DFND 2 8,275 0 0
VISA INC CL A COMMON STOCK 92826C839 43 200 SH   OTR 2 0 200 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 38 1,023 SH   DFND 2 1,023 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 4 100 SH   DFND 2 100 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A101 19 2,326 SH   DFND 2 2,326 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 498 5,270 SH   DFND 2 5,270 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 35 375 SH   OTR 2 0 375 0
ACTAVIS PLC COMMON STOCK G0083B108 1,120 5,440 SH   DFND 2 5,440 0 0
ACTAVIS PLC COMMON STOCK G0083B108 126 610 SH   OTR 2 0 610 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 790 9,915 SH   DFND 2 9,915 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 76 950 SH   OTR 2 0 950 0
COVIDIEN PLC COMMON STOCK G2554F113 593 8,055 SH   DFND 2 8,055 0 0
COVIDIEN PLC COMMON STOCK G2554F113 29 400 SH   OTR 2 0 400 0
EATON CORP PLC COMMON STOCK G29183103 386 5,139 SH   DFND 2 5,139 0 0
EATON CORP PLC COMMON STOCK G29183103 94 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 4 71 SH   DFND 2 71 0 0
NOBLE CORPORATION PLC COMMON STOCK G65431101 97 2,970 SH   DFND 2 2,970 0 0
ACE LIMITED COMMON STOCK H0023R105 8 80 SH   DFND 2 80 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 10 235 SH   DFND 2 235 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 21 500 SH   OTR 2 0 500 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 43 640 SH   DFND 2 640 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 27 400 SH   OTR 2 0 400 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 9 200 SH   DFND 2 200 0 0
AFLAC INC COMMON STOCK 001055102 1,261 20,000 SH   DFND 3 20,000 0 0
AMAZON.COM INC COMMON STOCK 023135106 3,734 11,100 SH   DFND 3 11,100 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,281 14,225 SH   DFND 3 14,225 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,000 20,000 SH   DFND 3 20,000 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 820 12,500 SH   DFND 3 12,500 0 0
AMGEN INC COMMON STOCK 031162100 1,850 15,000 SH   DFND 3 15,000 0 0
APACHE CORP COMMON STOCK 037411105 622 7,500 SH   DFND 3 7,500 0 0
APPLE INC COMMON STOCK 037833100 3,011 5,610 SH   DFND 3 5,610 0 0
AT&T INC COMMON STOCK 00206R102 571 16,270 SH   DFND 3 16,270 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,587 150,385 SH   DFND 3 150,385 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 1,059 30,000 SH   DFND 3 30,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,937 15,500 SH   DFND 3 15,500 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 2,141 7,000 SH   DFND 3 7,000 0 0
BROADCOM CORP COMMON STOCK 111320107 708 22,500 SH   DFND 3 22,500 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,391 14,000 SH   DFND 3 14,000 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 1,236 20,000 SH   DFND 3 20,000 0 0
CELGENE CORP COMMON STOCK 151020104 1,326 9,500 SH   DFND 3 9,500 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 1,191 25,000 SH   DFND 3 25,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 713 6,000 SH   DFND 3 6,000 0 0
CHUBB CORP COMMON STOCK 171232101 670 7,500 SH   DFND 3 7,500 0 0
CITIGROUP INC COMMON STOCK 172967424 1,547 32,500 SH   DFND 3 32,500 0 0
COCA COLA CO COMMON STOCK 191216100 1,276 33,000 SH   DFND 3 33,000 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,233 19,000 SH   DFND 3 19,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 686 9,750 SH   DFND 3 9,750 0 0
CORNING INC COMMON STOCK 219350105 2,186 105,000 SH   DFND 3 105,000 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,452 13,000 SH   DFND 3 13,000 0 0
CVS CAREMARK CORP COMMON STOCK 126650100 1,198 16,000 SH   DFND 3 16,000 0 0
DANAHER CORP COMMON STOCK 235851102 938 12,500 SH   DFND 3 12,500 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 828 10,345 SH   DFND 3 10,345 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 302 4,500 SH   DFND 3 4,500 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 616 8,650 SH   DFND 3 8,650 0 0
EBAY INC COMMON STOCK 278642103 1,657 30,000 SH   DFND 3 30,000 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 1,821 24,245 SH   DFND 3 24,245 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,172 12,000 SH   DFND 3 12,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,355 22,500 SH   DFND 3 22,500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,060 8,000 SH   DFND 3 8,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 468 30,000 SH   DFND 3 30,000 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 813 15,000 SH   DFND 3 15,000 0 0
GAMESTOP CORP CL A COMMON STOCK 36467W109 617 15,000 SH   DFND 3 15,000 0 0
GAP INC COMMON STOCK 364760108 801 20,000 SH   DFND 3 20,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 2,026 78,250 SH   DFND 3 78,250 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 1,549 45,000 SH   DFND 3 45,000 0 0
GENTHERM INC COMMON STOCK 37253A103 521 15,000 SH   DFND 3 15,000 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,594 22,500 SH   DFND 3 22,500 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,639 10,000 SH   DFND 3 10,000 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 4,458 4,000 SH   DFND 3 4,000 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 2,033 18,900 SH   DFND 3 18,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,391 15,000 SH   DFND 3 15,000 0 0
INTEL CORP COMMON STOCK 458140100 516 20,000 SH   DFND 3 20,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 670 7,000 SH   DFND 3 7,000 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 953 15,000 SH   DFND 3 15,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 982 10,000 SH   DFND 3 10,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,336 22,000 SH   DFND 3 22,000 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 644 25,000 SH   DFND 3 25,000 0 0
KB HOME COM COMMON STOCK 48666K109 1,019 60,000 SH   DFND 3 60,000 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 589 10,500 SH   DFND 3 10,500 0 0
MARATHON OIL CORP COMMON STOCK 565849106 533 15,000 SH   DFND 3 15,000 0 0
MASCO CORP COMMON STOCK 574599106 1,222 55,000 SH   DFND 3 55,000 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,016 17,900 SH   DFND 3 17,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 978 23,870 SH   DFND 3 23,870 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,870 60,000 SH   DFND 3 60,000 0 0
MYLAN INC COMMON STOCK 628530107 1,465 30,000 SH   DFND 3 30,000 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 1,129 14,500 SH   DFND 3 14,500 0 0
NEWMONT MNG CORP COMMON STOCK 651639106 234 10,000 SH   DFND 3 10,000 0 0
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NOBLE ENERGY INC COMMON STOCK 655044105 1,421 20,000 SH   DFND 3 20,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,186 14,200 SH   DFND 3 14,200 0 0
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PHILLIPS 66 COMMON STOCK 718546104 1,541 20,000 SH   DFND 3 20,000 0 0
PRICELINE.COM INC COMMON STOCK 741503403 894 750 SH   DFND 3 750 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,249 15,500 SH   DFND 3 15,500 0 0
QUALCOMM INC COMMON STOCK 747525103 1,439 18,250 SH   DFND 3 18,250 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,683 47,000 SH   DFND 3 47,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 472 20,000 SH   DFND 3 20,000 0 0
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UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 682 7,000 SH   DFND 3 7,000 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,227 10,500 SH   DFND 3 10,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 820 10,000 SH   DFND 3 10,000 0 0
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VALERO ENERGY CORP COMMON STOCK 91913Y100 797 15,000 SH   DFND 3 15,000 0 0
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WELLS FARGO & CO COMMON STOCK 949746101 1,492 30,000 SH   DFND 3 30,000 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 862 17,000 SH   DFND 3 17,000 0 0
WILLIAMS-SONOMA INC COMMON STOCK 969904101 666 10,000 SH   DFND 3 10,000 0 0
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ALTRIA GROUP INC COMMON STOCK 02209S103 24 629 SH   SOLE   629 0 0
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AMERICAN EXPRESS CO COMMON STOCK 025816109 186 2,070 SH   SOLE   2,070 0 0
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AMGEN INC COMMON STOCK 031162100 19 150 SH   OTR   0 150 0
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APPLE INC COMMON STOCK 037833100 282 525 SH   SOLE   525 0 0
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AT&T INC COMMON STOCK 00206R102 84 2,394 SH   SOLE   2,394 0 0
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BB&T CORPORATION COMMON STOCK 054937107 6 140 SH   SOLE   140 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 154 1,234 SH   SOLE   1,234 0 0
BOEING CO COMMON STOCK 097023105 24 190 SH   SOLE   190 0 0
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BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 114 2,200 SH   SOLE   2,200 0 0
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CAMPBELL SOUP CO COMMON STOCK 134429109 4 100 SH   SOLE   100 0 0
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CATERPILLAR INC COMMON STOCK 149123101 109 1,100 SH   SOLE   1,100 0 0
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CELGENE CORP COMMON STOCK 151020104 98 700 SH   SOLE   700 0 0
CERNER CORP COMMON STOCK 156782104 17 300 SH   SOLE   300 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 55 1,153 SH   SOLE   1,153 0 0
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CITIGROUP INC COMMON STOCK 172967424 76 1,599 SH   SOLE   1,599 0 0
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COCA COLA CO COMMON STOCK 191216100 114 2,945 SH   SOLE   2,945 0 0
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COLGATE PALMOLIVE CO COMMON STOCK 194162103 26 400 SH   OTR   0 400 0
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CVS CAREMARK CORP COMMON STOCK 126650100 35 465 SH   SOLE   465 0 0
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DEERE & CO COMMON STOCK 244199105 30 334 SH   SOLE   334 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 16 200 SH   OTR   0 200 0
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DOMINION RESOURCES INC COMMON STOCK 25746U109 50 700 SH   SOLE   700 0 0
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DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 73 1,084 SH   SOLE   1,084 0 0
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EBAY INC COMMON STOCK 278642103 81 1,475 SH   SOLE   1,475 0 0
ECOLAB INC COMMON STOCK 278865100 32 300 SH   SOLE   300 0 0
EMC CORP MASS COMMON STOCK 268648102 54 1,960 SH   SOLE   1,960 0 0
EMERSON ELEC CO COMMON STOCK 291011104 64 960 SH   SOLE   960 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 114 1,519 SH   SOLE   1,519 0 0
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FACEBOOK INC-A COMMON STOCK 30303M102 30 500 SH   SOLE   500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 92 695 SH   SOLE   695 0 0
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FRANKLIN RESOURCES INC COMMON STOCK 354613101 62 1,136 SH   SOLE   1,136 0 0
FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 3 100 SH   SOLE   100 0 0
F5 NETWORKS INC COMMON STOCK 315616102 5 50 SH   SOLE   50 0 0
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GENERAL ELECTRIC CORP COMMON STOCK 369604103 244 9,425 SH   SOLE   9,425 0 0
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GENERAL MLS INC COMMON STOCK 370334104 65 1,248 SH   SOLE   1,248 0 0
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GILEAD SCIENCES INC COMMON STOCK 375558103 89 1,250 SH   SOLE   1,250 0 0
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GOOGLE INC CL A COMMON STOCK 38259P508 217 195 SH   SOLE   195 0 0
HALLIBURTON CO COMMON STOCK 406216101 60 1,020 SH   SOLE   1,020 0 0
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HOME DEPOT INC COMMON STOCK 437076102 8 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 138 1,742 SH   SOLE   1,742 0 0
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JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 35 545 SH   SOLE   545 0 0
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JOHNSON & JOHNSON COMMON STOCK 478160104 265 2,693 SH   SOLE   2,693 0 0
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KB HOME COM COMMON STOCK 48666K109 39 2,274 SH   SOLE   2,274 0 0
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LILLY ELI & CO COMMON STOCK 532457108 10 165 SH   SOLE   165 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 8 50 SH   SOLE   50 0 0
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NIKE INC-CLASS B COMMON STOCK 654106103 19 260 SH   SOLE   260 0 0
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OCCIDENTAL PETE CORP COMMON STOCK 674599105 53 560 SH   SOLE   560 0 0
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3M CO COMMON STOCK 88579Y101 102 750 SH   SOLE   750 0 0
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