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 33 540 SH   DFND 2 540 0 0
ABBOTT LABS COMMON STOCK 002824100 650 14,432 SH   DFND 2 14,432 0 0
ABBOTT LABS COMMON STOCK 002824100 98 2,175 SH   OTR 2 0 2,175 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 85 400 SH   DFND 2 400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 12 80 SH   DFND 2 80 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 72 500 SH   OTR 2 0 500 0
ALCOA INC COMMON STOCK 013817101 3 200 SH   DFND 2 200 0 0
ALLIANT CORP COMMON STOCK 018802108 278 4,180 SH   DFND 2 4,180 0 0
AMAZON.COM INC COMMON STOCK 023135106 1,334 4,298 SH   DFND 2 4,298 0 0
AMAZON.COM INC COMMON STOCK 023135106 70 225 SH   OTR 2 0 225 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 62 1,020 SH   DFND 2 1,020 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,364 25,408 SH   DFND 2 25,408 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 452 4,855 SH   OTR 2 0 4,855 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 628 11,215 SH   DFND 2 11,215 0 0
AMGEN INC COMMON STOCK 031162100 1,395 8,756 SH   DFND 2 8,756 0 0
AMGEN INC COMMON STOCK 031162100 108 675 SH   OTR 2 0 675 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 35 430 SH   DFND 2 430 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 123 2,215 SH   DFND 2 2,215 0 0
APACHE CORP COMMON STOCK 037411105 691 11,028 SH   DFND 2 11,028 0 0
APACHE CORP COMMON STOCK 037411105 16 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 5,551 50,287 SH   DFND 2 50,287 0 0
APPLE INC COMMON STOCK 037833100 529 4,790 SH   OTR 2 0 4,790 0
APPLIED MATERIALS INC COMMON STOCK 038222105 294 11,780 SH   DFND 2 11,780 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 95 SH   DFND 2 95 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 36,926 1,343,240 SH   DFND 2 1,343,240 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 586 21,327 SH   OTR 2 0 21,327 0
ARTESIAN RESOURCES CORP-CL A COMMON STOCK 043113208 5 200 SH   DFND 2 200 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 217 2,605 SH   DFND 2 2,605 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 436 5,235 SH   OTR 2 0 5,235 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   DFND 2 30 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 88 2,300 SH   DFND 2 2,300 0 0
BADGER METER INC COMMON STOCK 056525108 36 600 SH   DFND 2 600 0 0
BAKER HUGHES INC COMMON STOCK 057224107 485 8,643 SH   DFND 2 8,643 0 0
BAKER HUGHES INC COMMON STOCK 057224107 11 200 SH   OTR 2 0 200 0
BANK OF AMERICA CORP COMMON STOCK 060505104 896 50,090 SH   DFND 2 50,090 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 43 2,389 SH   OTR 2 0 2,389 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 508 12,523 SH   DFND 2 12,523 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 60 1,475 SH   OTR 2 0 1,475 0
BARD CR INC COMMON STOCK 067383109 20 120 SH   DFND 2 120 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 1 100 SH   DFND 2 100 0 0
BAXTER INTL INC COMMON STOCK 071813109 119 1,625 SH   DFND 2 1,625 0 0
BAXTER INTL INC COMMON STOCK 071813109 173 2,363 SH   OTR 2 0 2,363 0
BECTON DICKINSON COMMON STOCK 075887109 15 111 SH   DFND 2 111 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,672 17,793 SH   DFND 2 17,793 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 269 1,790 SH   OTR 2 0 1,790 0
BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH   DFND 2 12 0 0
BOEING CO COMMON STOCK 097023105 517 3,975 SH   DFND 2 3,975 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 4 265 SH   DFND 2 265 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,866 31,610 SH   DFND 2 31,610 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 214 3,625 SH   OTR 2 0 3,625 0
BROADCOM CORP COMMON STOCK 111320107 13 300 SH   DFND 2 300 0 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 27 150 SH   DFND 2 150 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 49 885 SH   DFND 2 885 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 4 65 SH   OTR 2 0 65 0
CSX CORP COMMON STOCK 126408103 6 174 SH   DFND 2 174 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,629 16,910 SH   DFND 2 16,910 0 0
CVS HEALTH CORP COMMON STOCK 126650100 130 1,350 SH   OTR 2 0 1,350 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 9 125 SH   DFND 2 125 0 0
CARNIVAL CORP COMMON STOCK 143658300 54 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 810 8,851 SH   DFND 2 8,851 0 0
CATERPILLAR INC COMMON STOCK 149123101 103 1,125 SH   OTR 2 0 1,125 0
CELGENE CORP COMMON STOCK 151020104 1,580 14,122 SH   DFND 2 14,122 0 0
CELGENE CORP COMMON STOCK 151020104 168 1,500 SH   OTR 2 0 1,500 0
CENTURYLINK INC COMMON STOCK 156700106 12 300 SH   DFND 2 300 0 0
CERNER CORP COMMON STOCK 156782104 825 12,758 SH   DFND 2 12,758 0 0
CERNER CORP COMMON STOCK 156782104 45 700 SH   OTR 2 0 700 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 306 6,086 SH   DFND 2 6,086 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
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 22 450 SH   DFND 2 450 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,939 26,196 SH   DFND 2 26,196 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 678 6,045 SH   OTR 2 0 6,045 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 830 1,213 SH   DFND 2 1,213 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 38 55 SH   OTR 2 0 55 0
CHUBB CORP COMMON STOCK 171232101 10 100 SH   DFND 2 100 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 8 100 SH   DFND 2 100 0 0
CITIGROUP INC COMMON STOCK 172967424 1,092 20,178 SH   DFND 2 20,178 0 0
CITIGROUP INC COMMON STOCK 172967424 47 866 SH   OTR 2 0 866 0
CLARCOR INC COMMON STOCK 179895107 7 111 SH   DFND 2 111 0 0
CLOROX COMPANY COMMON STOCK 189054109 39 370 SH   DFND 2 370 0 0
CLOROX COMPANY COMMON STOCK 189054109 21 200 SH   OTR 2 0 200 0
COACH INC COMMON STOCK 189754104 2 50 SH   DFND 2 50 0 0
COCA COLA CO COMMON STOCK 191216100 1,395 33,042 SH   DFND 2 33,042 0 0
COCA COLA CO COMMON STOCK 191216100 56 1,320 SH   OTR 2 0 1,320 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 32 600 SH   DFND 2 600 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 16 300 SH   OTR 2 0 300 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,319 19,060 SH   DFND 2 19,060 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 503 7,270 SH   OTR 2 0 7,270 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 247 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 11 300 SH   DFND 2 300 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 74 1,114 SH   DFND 2 1,114 0 0
CORNING INC COMMON STOCK 219350105 569 24,821 SH   DFND 2 24,821 0 0
CORNING INC COMMON STOCK 219350105 24 1,025 SH   OTR 2 0 1,025 0
DTE ENERGY CO COMMON STOCK 233331107 90 1,039 SH   DFND 2 1,039 0 0
DTE ENERGY CO COMMON STOCK 233331107 42 485 SH   OTR 2 0 485 0
DANAHER CORP COMMON STOCK 235851102 1,623 18,938 SH   DFND 2 18,938 0 0
DANAHER CORP COMMON STOCK 235851102 323 3,770 SH   OTR 2 0 3,770 0
DEERE & CO COMMON STOCK 244199105 246 2,775 SH   DFND 2 2,775 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,151 22,842 SH   DFND 2 22,842 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 599 6,362 SH   OTR 2 0 6,362 0
DOLLAR TREE INC COMMON STOCK 256746108 565 8,030 SH   DFND 2 8,030 0 0
DONALDSON INC COMMON STOCK 257651109 8 210 SH   DFND 2 210 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1,100 24,114 SH   DFND 2 24,114 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 65 1,435 SH   OTR 2 0 1,435 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1,285 17,385 SH   DFND 2 17,385 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 260 3,520 SH   OTR 2 0 3,520 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 21 500 SH   OTR 2 0 500 0
EMC CORP MASS COMMON STOCK 268648102 505 16,995 SH   DFND 2 16,995 0 0
EMC CORP MASS COMMON STOCK 268648102 39 1,325 SH   OTR 2 0 1,325 0
EBAY INC COMMON STOCK 278642103 1,125 20,055 SH   DFND 2 20,055 0 0
EBAY INC COMMON STOCK 278642103 3 50 SH   OTR 2 0 50 0
ECOLAB INC COMMON STOCK 278865100 410 3,925 SH   DFND 2 3,925 0 0
ECOLAB INC COMMON STOCK 278865100 141 1,350 SH   OTR 2 0 1,350 0
EDISON INTERNATIONAL COMMON STOCK 281020107 10 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 1 20 SH   DFND 2 20 0 0
EMERSON ELEC CO COMMON STOCK 291011104 490 7,944 SH   DFND 2 7,944 0 0
EMERSON ELEC CO COMMON STOCK 291011104 304 4,925 SH   OTR 2 0 4,925 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 11 300 SH   DFND 2 300 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 14 310 SH   DFND 2 310 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 8 60 SH   DFND 2 60 0 0
FASTENAL CO COMMON STOCK 311900104 9 190 SH   DFND 2 190 0 0
F5 NETWORKS INC COMMON STOCK 315616102 28 215 SH   DFND 2 215 0 0
FISERV INC COMMON STOCK 337738108 206 2,900 SH   DFND 2 2,900 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 33 851 SH   DFND 2 851 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 1,027 66,264 SH   DFND 2 66,264 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 94 6,090 SH   OTR 2 0 6,090 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 696 12,572 SH   DFND 2 12,572 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 346 2,512 SH   DFND 2 2,512 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 35 253 SH   OTR 2 0 253 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,171 125,480 SH   DFND 2 125,480 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,116 44,182 SH   OTR 2 0 44,182 0
GENERAL MLS INC COMMON STOCK 370334104 1,375 25,791 SH   DFND 2 25,791 0 0
GENERAL MLS INC COMMON STOCK 370334104 95 1,775 SH   OTR 2 0 1,775 0
GENUINE PARTS CO COMMON STOCK 372460105 33 310 SH   DFND 2 310 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,599 16,960 SH   DFND 2 16,960 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 153 1,625 SH   OTR 2 0 1,625 0
GRAINGER W W INC COMMON STOCK 384802104 31 120 SH   DFND 2 120 0 0
GRUMA S.A.B. DE C.V. ADR COMMON STOCK 400131306 54 1,300 SH   DFND 2 1,300 0 0
HALLIBURTON CO COMMON STOCK 406216101 641 16,291 SH   DFND 2 16,291 0 0
HALLIBURTON CO COMMON STOCK 406216101 57 1,450 SH   OTR 2 0 1,450 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 80 1,207 SH   OTR 2 0 1,207 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 6 150 SH   DFND 2 150 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 149 2,205 SH   DFND 2 2,205 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 7 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 999 9,610 SH   DFND 2 9,610 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 26 250 SH   OTR 2 0 250 0
HEWLETT PACKARD CO COMMON STOCK 428236103 14 350 SH   DFND 2 350 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 375 9,348 SH   OTR 2 0 9,348 0
HEXCEL CORP COMMON STOCK 428291108 32 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,101 20,012 SH   DFND 2 20,012 0 0
HOME DEPOT INC COMMON STOCK 437076102 243 2,315 SH   OTR 2 0 2,315 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,318 13,190 SH   DFND 2 13,190 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 159 1,595 SH   OTR 2 0 1,595 0
HORMEL FOODS CORPORATION COMMON STOCK 440452100 6 120 SH   DFND 2 120 0 0
HOSPIRA INC COMMON STOCK 441060100 16 260 SH   DFND 2 260 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 54 570 SH   DFND 2 570 0 0
INTEL CORP COMMON STOCK 458140100 2,905 80,056 SH   DFND 2 80,056 0 0
INTEL CORP COMMON STOCK 458140100 421 11,605 SH   OTR 2 0 11,605 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3,146 19,606 SH   DFND 2 19,606 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,410 8,786 SH   OTR 2 0 8,786 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 695 6,858 SH   DFND 2 6,858 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 21 210 SH   OTR 2 0 210 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 355 6,625 SH   DFND 2 6,625 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 27 500 SH   OTR 2 0 500 0
ISHARES GOLD TRUST OTHER 464285105 1 100 SH   DFND 2 100 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 4,357 39,563 SH   DFND 2 39,563 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 100 905 SH   OTR 2 0 905 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 144 1,700 SH   DFND 2 1,700 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 76 1,250 SH   DFND 2 1,250 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 13 87 SH   DFND 2 87 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 45 375 SH   DFND 2 375 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 161 1,411 SH   DFND 2 1,411 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 2,908 26,090 SH   DFND 2 26,090 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 358 3,400 SH   DFND 2 3,400 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 1,120 28,393 SH   DFND 2 28,393 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 110 2,800 SH   OTR 2 0 2,800 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 26 735 SH   DFND 2 735 0 0
ISHARES MSCI EAFE VALUE ETF OTHER 464288877 26 500 SH   DFND 2 500 0 0
JABIL CIRCUIT INC COMMON STOCK 466313103 20 900 SH   DFND 2 900 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 113 2,533 SH   DFND 2 2,533 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 37 823 SH   OTR 2 0 823 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,513 33,594 SH   DFND 2 33,594 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,085 19,943 SH   OTR 2 0 19,943 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 75 1,550 SH   DFND 2 1,550 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 5 100 SH   OTR 2 0 100 0
KELLOGG CO COMMON STOCK 487836108 67 1,025 SH   DFND 2 1,025 0 0
KELLOGG CO COMMON STOCK 487836108 167 2,555 SH   OTR 2 0 2,555 0
KEYCORP COMMON STOCK 493267108 51 3,634 SH   DFND 2 3,634 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 61 530 SH   DFND 2 530 0 0
L BRANDS, INC COMMON STOCK 501797104 41 475 SH   DFND 2 475 0 0
LILLY ELI & CO COMMON STOCK 532457108 272 3,940 SH   DFND 2 3,940 0 0
LILLY ELI & CO COMMON STOCK 532457108 166 2,400 SH   OTR 2 0 2,400 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 116 600 SH   DFND 2 600 0 0
LOWES COS INC COMMON STOCK 548661107 692 10,063 SH   DFND 2 10,063 0 0
LOWES COS INC COMMON STOCK 548661107 237 3,450 SH   OTR 2 0 3,450 0
MARATHON OIL CORP COMMON STOCK 565849106 73 2,590 SH   DFND 2 2,590 0 0
MARATHON OIL CORP COMMON STOCK 565849106 7 260 SH   OTR 2 0 260 0
MASCO CORP COMMON STOCK 574599106 630 25,010 SH   DFND 2 25,010 0 0
MASCO CORP COMMON STOCK 574599106 13 510 SH   OTR 2 0 510 0
MCCORMICK & CO INC COMMON STOCK 579780206 7 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,226 13,083 SH   DFND 2 13,083 0 0
MCDONALDS CORP COMMON STOCK 580135101 482 5,145 SH   OTR 2 0 5,145 0
MEADWESTVACO CORP COMMON STOCK 583334107 5 112 SH   DFND 2 112 0 0
MEDTRONIC INC COMMON STOCK 585055106 468 6,480 SH   DFND 2 6,480 0 0
MEDTRONIC INC COMMON STOCK 585055106 162 2,250 SH   OTR 2 0 2,250 0
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 3 100 SH   DFND 2 100 0 0
MERIDIAN BIOSCIENCE INC COMMON STOCK 589584101 2 100 SH   DFND 2 100 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,059 65,846 SH   DFND 2 65,846 0 0
MICROSOFT CORP COMMON STOCK 594918104 693 14,927 SH   OTR 2 0 14,927 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 84 2,315 SH   DFND 2 2,315 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 330 SH   OTR 2 0 330 0
MORGAN STANLEY COMMON STOCK 617446448 1,756 45,270 SH   DFND 2 45,270 0 0
MORGAN STANLEY COMMON STOCK 617446448 68 1,740 SH   OTR 2 0 1,740 0
MYLAN INC COMMON STOCK 628530107 246 4,360 SH   DFND 2 4,360 0 0
MYLAN INC COMMON STOCK 628530107 34 600 SH   OTR 2 0 600 0
NBT BANCORP INC COM COMMON STOCK 628778102 20 765 SH   DFND 2 765 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 243 3,710 SH   DFND 2 3,710 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 67 1,025 SH   OTR 2 0 1,025 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 8 200 SH   DFND 2 200 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 249 2,593 SH   DFND 2 2,593 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 36 765 SH   DFND 2 765 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 138 1,255 SH   DFND 2 1,255 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 86 785 SH   OTR 2 0 785 0
NORTHEAST UTILITIES COMMON STOCK 664397106 11 200 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 7 50 SH   DFND 2 50 0 0
NUCOR CORP COMMON STOCK 670346105 79 1,610 SH   DFND 2 1,610 0 0
NUCOR CORP COMMON STOCK 670346105 19 395 SH   OTR 2 0 395 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 552 6,850 SH   DFND 2 6,850 0 0
OCEANEERING INTL INC COMMON STOCK 675232102 18 300 SH   DFND 2 300 0 0
OLIN CORP COMMON STOCK 680665205 7 300 SH   DFND 2 300 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 139 600 SH   DFND 2 600 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 29 125 SH   OTR 2 0 125 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 57 725 SH   OTR 2 0 725 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 26 200 SH   DFND 2 200 0 0
PATRICK INDS INC COMMON STOCK 703343103 4 100 SH   DFND 2 100 0 0
PAYCHEX INC COMMON STOCK 704326107 188 4,075 SH   DFND 2 4,075 0 0
PAYCHEX INC COMMON STOCK 704326107 46 1,000 SH   OTR 2 0 1,000 0
PEPSICO INC COMMON STOCK 713448108 2,804 29,655 SH   DFND 2 29,655 0 0
PEPSICO INC COMMON STOCK 713448108 1,546 16,351 SH   OTR 2 0 16,351 0
PFIZER INC COMMON STOCK 717081103 1,932 62,017 SH   DFND 2 62,017 0 0
PFIZER INC COMMON STOCK 717081103 525 16,864 SH   OTR 2 0 16,864 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 797 9,781 SH   DFND 2 9,781 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 17 203 SH   OTR 2 0 203 0
PHILLIPS 66 COMMON STOCK 718546104 77 1,075 SH   DFND 2 1,075 0 0
PHILLIPS 66 COMMON STOCK 718546104 12 170 SH   OTR 2 0 170 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 10 250 SH   DFND 2 250 0 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 19 126 SH   DFND 2 126 0 0
PLUM CREEK TIMBER CO INC REIT COMMON STOCK 729251108 2 50 SH   DFND 2 50 0 0
PRECISION CASTPARTS CORP COMMON STOCK 740189105 54 225 SH   DFND 2 225 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 448 393 SH   DFND 2 393 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 22 19 SH   OTR 2 0 19 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,806 30,805 SH   DFND 2 30,805 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 827 9,084 SH   OTR 2 0 9,084 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 780 8,626 SH   DFND 2 8,626 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 63 700 SH   OTR 2 0 700 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 17 400 SH   DFND 2 400 0 0
QUALCOMM INC COMMON STOCK 747525103 1,375 18,504 SH   DFND 2 18,504 0 0
QUALCOMM INC COMMON STOCK 747525103 52 700 SH   OTR 2 0 700 0
RAYTHEON COMPANY COMMON STOCK 755111507 18 165 SH   DFND 2 165 0 0
ROPER INDS INC COMMON STOCK 776696106 17 111 SH   DFND 2 111 0 0
ROSS STORES INC COMMON STOCK 778296103 20 210 SH   DFND 2 210 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 13 191 SH   DFND 2 191 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 241 3,705 SH   DFND 2 3,705 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,253 14,674 SH   DFND 2 14,674 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 107 1,255 SH   OTR 2 0 1,255 0
SEMPRA ENERGY COMMON STOCK 816851109 545 4,891 SH   DFND 2 4,891 0 0
SEMPRA ENERGY COMMON STOCK 816851109 50 450 SH   OTR 2 0 450 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 32 120 SH   DFND 2 120 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 14 105 SH   DFND 2 105 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 337 1,850 SH   DFND 2 1,850 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 73 400 SH   OTR 2 0 400 0
SMITH A O CORPORATION COMMON STOCK 831865209 13 225 SH   DFND 2 225 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 158 3,219 SH   DFND 2 3,219 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 73 1,483 SH   OTR 2 0 1,483 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 625 14,775 SH   DFND 2 14,775 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,261 15,365 SH   DFND 2 15,365 0 0
STARBUCKS CORP COMMON STOCK 855244109 167 2,040 SH   OTR 2 0 2,040 0
STRYKER CORPORATION COMMON STOCK 863667101 16 170 SH   DFND 2 170 0 0
STRYKER CORPORATION COMMON STOCK 863667101 38 400 SH   OTR 2 0 400 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 6 135 SH   DFND 2 135 0 0
SYSCO CORP COMMON STOCK 871829107 20 500 SH   DFND 2 500 0 0
TJX COS INC COMMON STOCK 872540109 858 12,510 SH   DFND 2 12,510 0 0
TJX COS INC COMMON STOCK 872540109 106 1,550 SH   OTR 2 0 1,550 0
TESORO CORPORATION COMMON STOCK 881609101 9 125 SH   DFND 2 125 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 52 900 SH   DFND 2 900 0 0
THOMSON CORP COMMON STOCK 884903105 4 100 SH   DFND 2 100 0 0
TIME INC COMMON STOCK 887228104 1 43 SH   OTR 2 0 43 0
TIME WARNER INC COMMON STOCK 887317303 747 8,750 SH   DFND 2 8,750 0 0
TIME WARNER INC COMMON STOCK 887317303 106 1,240 SH   OTR 2 0 1,240 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 17 300 SH   DFND 2 300 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 974 20,392 SH   DFND 2 20,392 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 100 2,084 SH   OTR 2 0 2,084 0
US BANCORP NEW COMMON STOCK 902973304 622 13,845 SH   DFND 2 13,845 0 0
US BANCORP NEW COMMON STOCK 902973304 199 4,425 SH   OTR 2 0 4,425 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,131 16,655 SH   DFND 2 16,655 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 41 610 SH   OTR 2 0 610 0
UNION PAC CORP COMMON STOCK 907818108 1,655 13,895 SH   DFND 2 13,895 0 0
UNION PAC CORP COMMON STOCK 907818108 108 905 SH   OTR 2 0 905 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,094 9,844 SH   DFND 2 9,844 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 94 850 SH   OTR 2 0 850 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 3 100 SH   DFND 2 100 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,813 15,769 SH   DFND 2 15,769 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 959 8,340 SH   OTR 2 0 8,340 0
V.F. CORP COMMON STOCK 918204108 576 7,687 SH   DFND 2 7,687 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,021 11,883 SH   DFND 2 11,883 0 0
WAL MART STORES INC COMMON STOCK 931142103 71 825 SH   OTR 2 0 825 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 19 250 SH   DFND 2 250 0 0
WASHINGTON PRIME GROUP REIT COMMON STOCK 939647103 1 50 SH   OTR 2 0 50 0
WELLS FARGO & CO COMMON STOCK 949746101 3,008 54,863 SH   DFND 2 54,863 0 0
WELLS FARGO & CO COMMON STOCK 949746101 422 7,700 SH   OTR 2 0 7,700 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 5 150 SH   DFND 2 150 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 55 1,100 SH   DFND 2 1,100 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 69 1,300 SH   DFND 2 1,300 0 0
YUM! BRANDS INC COMMON STOCK 988498101 95 1,300 SH   DFND 2 1,300 0 0
YUM! BRANDS INC COMMON STOCK 988498101 24 325 SH   OTR 2 0 325 0
CDK GLOBAL HOLDINGS LLC COMMON STOCK 12508E101 19 466 SH   OTR 2 0 466 0
TARGET CORP COMMON STOCK 87612E106 123 1,615 SH   DFND 2 1,615 0 0
TARGET CORP COMMON STOCK 87612E106 17 225 SH   OTR 2 0 225 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E108 37 410 SH   DFND 2 410 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 238 2,250 SH   DFND 2 2,250 0 0
AT&T INC COMMON STOCK 00206R102 1,624 48,338 SH   DFND 2 48,338 0 0
AT&T INC COMMON STOCK 00206R102 498 14,831 SH   OTR 2 0 14,831 0
ABBVIE INC COMMON STOCK 00287Y109 854 13,047 SH   DFND 2 13,047 0 0
ABBVIE INC COMMON STOCK 00287Y109 137 2,100 SH   OTR 2 0 2,100 0
ACCESS MIDSTREAM PARTNERS LP COMMON STOCK 00434L109 2 42 SH   DFND 2 42 0 0
ADOBE SYS INC COMMON STOCK 00724F101 22 300 SH   DFND 2 300 0 0
AETNA INC COMMON STOCK 00817Y108 943 10,620 SH   DFND 2 10,620 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 21 1,629 SH   DFND 2 1,629 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 472 9,572 SH   DFND 2 9,572 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 16 318 SH   OTR 2 0 318 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 10 100 SH   DFND 2 100 0 0
AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 11 80 SH   DFND 2 80 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 46 1,707 SH   DFND 2 1,707 0 0
AVISTA CORP COMMON STOCK 05379B107 4 100 SH   DFND 2 100 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 874 2,575 SH   DFND 2 2,575 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 37 110 SH   OTR 2 0 110 0
BLACKROCK INC CL A COMMON STOCK 09247X101 36 100 SH   DFND 2 100 0 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 20 600 SH   DFND 2 600 0 0
CH ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 9 120 SH   DFND 2 120 0 0
CA INC COMMON STOCK 12673P105 6 200 SH   DFND 2 200 0 0
CAPSTONE TURBINE CORP COMMON STOCK 14067D102 0 600 SH   DFND 2 600 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 404 5,000 SH   DFND 2 5,000 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 32 400 SH   OTR 2 0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 634 22,811 SH   DFND 2 22,811 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 166 5,975 SH   OTR 2 0 5,975 0
COMCAST CORP-CL A COMMON STOCK 20030N101 393 6,778 SH   DFND 2 6,778 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 12 200 SH   OTR 2 0 200 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,363 19,739 SH   DFND 2 19,739 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 113 1,632 SH   OTR 2 0 1,632 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,014 7,150 SH   DFND 2 7,150 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 92 650 SH   OTR 2 0 650 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 804 10,451 SH   DFND 2 10,451 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 56 725 SH   OTR 2 0 725 0
DUKE ENERGY CORP COMMON STOCK 26441C204 35 419 SH   DFND 2 419 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 60 717 SH   OTR 2 0 717 0
EOG RES INC COMMON STOCK 26875P101 639 6,940 SH   DFND 2 6,940 0 0
EQT CORPORATION COMMON STOCK 26884L109 17 226 SH   DFND 2 226 0 0
EXELON CORP COMMON STOCK 30161N101 30 815 SH   DFND 2 815 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 884 10,437 SH   DFND 2 10,437 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 103 1,213 SH   OTR 2 0 1,213 0
EXXONMOBIL CORP COMMON STOCK 30231G102 3,930 42,510 SH   DFND 2 42,510 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,695 18,330 SH   OTR 2 0 18,330 0
FACEBOOK INC-A COMMON STOCK 30303M102 177 2,275 SH   DFND 2 2,275 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 556 3,200 SH   DFND 2 3,200 0 0
FNF GROUP COMMON STOCK 31620R303 103 3,000 SH   DFND 2 3,000 0 0
FNFV GROUP COMMON STOCK 31620R402 16 998 SH   DFND 2 998 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 27 600 SH   DFND 2 600 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 29 1,350 SH   DFND 2 1,350 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 81 2,310 SH   DFND 2 2,310 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 4 100 SH   DFND 2 100 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 4 100 SH   OTR 2 0 100 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,778 9,174 SH   DFND 2 9,174 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 77 395 SH   OTR 2 0 395 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,093 3,944 SH   DFND 2 3,944 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 191 360 SH   OTR 2 0 360 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 1,281 2,434 SH   DFND 2 2,434 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 47 90 SH   OTR 2 0 90 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 50 0 0
HATTERAS FINL CORP REIT COMMON STOCK 41902R103 18 950 SH   DFND 2 950 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 6 260 SH   DFND 2 260 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 11 50 SH   DFND 2 50 0 0
ISHARES SILVER TRUST OTHER 46428Q109 31 2,084 SH   DFND 2 2,084 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,945 47,053 SH   DFND 2 47,053 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 542 8,668 SH   OTR 2 0 8,668 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 188 8,425 SH   DFND 2 8,425 0 0
KADANT INC COMMON STOCK 48282T104 35 809 SH   DFND 2 809 0 0
KB HOME COM COMMON STOCK 48666K109 2 100 SH   DFND 2 100 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 13 100 SH   DFND 2 100 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 132 1,000 SH   OTR 2 0 1,000 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   DFND 2 120 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 20 475 SH   DFND 2 475 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 262 4,187 SH   DFND 2 4,187 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 19 310 SH   OTR 2 0 310 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 9 100 SH   DFND 2 100 0 0
MARKET VECTORS ETF TRUST OTHER 57060U183 29 250 SH   DFND 2 250 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 43 500 SH   DFND 2 500 0 0
MCKESSON CORP COMMON STOCK 58155Q103 11 52 SH   DFND 2 52 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,672 29,443 SH   DFND 2 29,443 0 0
MERCK & CO INC COMMON STOCK 58933Y105 455 8,010 SH   OTR 2 0 8,010 0
METLIFE INC COMMON STOCK 59156R108 819 15,139 SH   DFND 2 15,139 0 0
METLIFE INC COMMON STOCK 59156R108 89 1,640 SH   OTR 2 0 1,640 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 7 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 8 65 SH   DFND 2 65 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,065 10,023 SH   DFND 2 10,023 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 99 930 SH   OTR 2 0 930 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 65 700 SH   DFND 2 700 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,111 46,934 SH   DFND 2 46,934 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 278 6,180 SH   OTR 2 0 6,180 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 5 30 SH   DFND 2 30 0 0
POWERSHARES WILDERHILL CLEAN E OTHER 73935X500 21 3,950 SH   DFND 2 3,950 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 32 1,250 SH   DFND 2 1,250 0 0
PRAXAIR INC COMMON STOCK 74005P104 516 3,985 SH   DFND 2 3,985 0 0
PRAXAIR INC COMMON STOCK 74005P104 50 383 SH   OTR 2 0 383 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 856 9,966 SH   DFND 2 9,966 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 339 3,950 SH   OTR 2 0 3,950 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 44 650 SH   OTR 2 0 650 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 12 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 3,227 15,699 SH   DFND 2 15,699 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 42 204 SH   OTR 2 0 204 0
SPDR GOLD TRUST OTHER 78463V107 18 156 SH   DFND 2 156 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 111 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 474 4,890 SH   DFND 2 4,890 0 0
SPDR BARCLAYS HIGH YIELD BOND OTHER 78464A417 328 8,508 SH   DFND 2 8,508 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 244 2,405 SH   DFND 2 2,405 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 28 420 SH   DFND 2 420 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 42 400 SH   DFND 2 400 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 148 1,250 SH   DFND 2 1,250 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 686 2,599 SH   DFND 2 2,599 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,565 26,389 SH   DFND 2 26,389 0 0
SALESFORCE.COM COMMON STOCK 79466L302 41 690 SH   OTR 2 0 690 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 104 2,138 SH   DFND 2 2,138 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 103 2,125 SH   OTR 2 0 2,125 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 275 4,018 SH   DFND 2 4,018 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 278 4,070 SH   OTR 2 0 4,070 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 92 1,900 SH   DFND 2 1,900 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 152 3,130 SH   OTR 2 0 3,130 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 189 2,624 SH   DFND 2 2,624 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 363 5,030 SH   OTR 2 0 5,030 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 160 2,025 SH   DFND 2 2,025 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 130 1,645 SH   OTR 2 0 1,645 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 380 15,376 SH   DFND 2 15,376 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 321 12,985 SH   OTR 2 0 12,985 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 163 2,878 SH   DFND 2 2,878 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 223 3,945 SH   OTR 2 0 3,945 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 240 5,805 SH   DFND 2 5,805 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 393 9,505 SH   OTR 2 0 9,505 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 100 2,122 SH   DFND 2 2,122 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 74 1,565 SH   OTR 2 0 1,565 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 804 9,912 SH   DFND 2 9,912 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 32 390 SH   OTR 2 0 390 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 6 175 SH   DFND 2 175 0 0
3M CO COMMON STOCK 88579Y101 1,510 9,190 SH   DFND 2 9,190 0 0
3M CO COMMON STOCK 88579Y101 779 4,738 SH   OTR 2 0 4,738 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 15 100 SH   DFND 2 100 0 0
TRANSCANADA CORP COMMON STOCK 89353D107 10 200 SH   DFND 2 200 0 0
TRUEBLUE INC COMMON STOCK 89785X101 29 1,300 SH   DFND 2 1,300 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 446 11,620 SH   DFND 2 11,620 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 35 1,200 SH   DFND 2 1,200 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 13 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 333 3,295 SH   DFND 2 3,295 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 26 255 SH   OTR 2 0 255 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 70 1,410 SH   DFND 2 1,410 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,726 36,904 SH   DFND 2 36,904 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 351 7,495 SH   OTR 2 0 7,495 0
VIACOM INC-B COMMON STOCK 92553P201 83 1,105 SH   DFND 2 1,105 0 0
VIACOM INC-B COMMON STOCK 92553P201 147 1,960 SH   OTR 2 0 1,960 0
VISA INC CL A COMMON STOCK 92826C839 2,412 9,198 SH   DFND 2 9,198 0 0
VISA INC CL A COMMON STOCK 92826C839 130 495 SH   OTR 2 0 495 0
VIRTUS INVESTMENT PARTNERS COMMON STOCK 92828Q109 1 7 SH   DFND 2 7 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 35 1,023 SH   DFND 2 1,023 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A101 26 3,213 SH   DFND 2 3,213 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 504 4,445 SH   DFND 2 4,445 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 43 375 SH   OTR 2 0 375 0
ACTAVIS PLC COMMON STOCK G0083B108 1,057 4,105 SH   DFND 2 4,105 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 685 7,668 SH   DFND 2 7,668 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 9 100 SH   OTR 2 0 100 0
COVIDIEN PLC COMMON STOCK G2554F113 705 6,890 SH   DFND 2 6,890 0 0
COVIDIEN PLC COMMON STOCK G2554F113 41 400 SH   OTR 2 0 400 0
EATON CORP PLC COMMON STOCK G29183103 85 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 5 71 SH   DFND 2 71 0 0
NOBLE CORPORATION PLC COMMON STOCK G65431101 21 1,280 SH   DFND 2 1,280 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 31 400 SH   DFND 2 400 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 4 200 SH   DFND 2 200 0 0
AMAZON.COM INC COMMON STOCK 023135106 3,414 11,000 SH   DFND 3 11,000 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,680 30,000 SH   DFND 3 30,000 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E108 1,578 17,500 SH   DFND 3 17,500 0 0
AMGEN INC COMMON STOCK 031162100 2,389 15,000 SH   DFND 3 15,000 0 0
APPLE INC COMMON STOCK 037833100 5,162 46,770 SH   DFND 3 46,770 0 0
BAKER HUGHES INC COMMON STOCK 057224107 561 10,000 SH   DFND 3 10,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,690 150,385 SH   DFND 3 150,385 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 1,217 30,000 SH   DFND 3 30,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,327 15,500 SH   DFND 3 15,500 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 2,037 6,000 SH   DFND 3 6,000 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,281 14,000 SH   DFND 3 14,000 0 0
CELGENE CORP COMMON STOCK 151020104 2,125 19,000 SH   DFND 3 19,000 0 0
CERNER CORP COMMON STOCK 156782104 970 15,000 SH   DFND 3 15,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 673 6,000 SH   DFND 3 6,000 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 1,711 2,500 SH   DFND 3 2,500 0 0
CITIGROUP INC COMMON STOCK 172967424 2,300 42,500 SH   DFND 3 42,500 0 0
COCA COLA CO COMMON STOCK 191216100 844 20,000 SH   DFND 3 20,000 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 969 14,000 SH   DFND 3 14,000 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 580 10,000 SH   DFND 3 10,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,019 14,750 SH   DFND 3 14,750 0 0
CORNING INC COMMON STOCK 219350105 2,408 105,000 SH   DFND 3 105,000 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,843 13,000 SH   DFND 3 13,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,541 16,000 SH   DFND 3 16,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,445 15,345 SH   DFND 3 15,345 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 702 9,500 SH   DFND 3 9,500 0 0
EOG RES INC COMMON STOCK 26875P101 691 7,500 SH   DFND 3 7,500 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,109 12,000 SH   DFND 3 12,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 2,536 32,500 SH   DFND 3 32,500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,389 8,000 SH   DFND 3 8,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,264 50,000 SH   DFND 3 50,000 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,650 17,500 SH   DFND 3 17,500 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,938 10,000 SH   DFND 3 10,000 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,255 4,250 SH   DFND 3 4,250 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 2,237 4,250 SH   DFND 3 4,250 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 937 13,900 SH   DFND 3 13,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,499 15,000 SH   DFND 3 15,000 0 0
INTEL CORP COMMON STOCK 458140100 726 20,000 SH   DFND 3 20,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 710 7,000 SH   DFND 3 7,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,046 10,000 SH   DFND 3 10,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,690 27,000 SH   DFND 3 27,000 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 1,324 10,000 SH   DFND 3 10,000 0 0
MASCO CORP COMMON STOCK 574599106 1,386 55,000 SH   DFND 3 55,000 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,017 17,900 SH   DFND 3 17,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,573 33,870 SH   DFND 3 33,870 0 0
MORGAN STANLEY COMMON STOCK 617446448 2,328 60,000 SH   DFND 3 60,000 0 0
MYLAN INC COMMON STOCK 628530107 1,691 30,000 SH   DFND 3 30,000 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 950 14,500 SH   DFND 3 14,500 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 740 6,965 SH   DFND 3 6,965 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 949 20,000 SH   DFND 3 20,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,343 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 1,464 47,000 SH   DFND 3 47,000 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,434 20,000 SH   DFND 3 20,000 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 1,156 5,000 SH   DFND 3 5,000 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 1,254 1,100 SH   DFND 3 1,100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,412 15,500 SH   DFND 3 15,500 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,788 47,000 SH   DFND 3 47,000 0 0
SEMPRA ENERGY COMMON STOCK 816851109 557 5,000 SH   DFND 3 5,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1,693 40,000 SH   DFND 3 40,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 574 7,000 SH   DFND 3 7,000 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,588 15,000 SH   DFND 3 15,000 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 576 15,000 SH   DFND 3 15,000 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 3,259 48,000 SH   DFND 3 48,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,906 16,000 SH   DFND 3 16,000 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 778 7,000 SH   DFND 3 7,000 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,208 10,500 SH   DFND 3 10,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,011 10,000 SH   DFND 3 10,000 0 0
US BANCORP NEW COMMON STOCK 902973304 1,002 22,300 SH   DFND 3 22,300 0 0
V.F. CORP COMMON STOCK 918204108 1,124 15,000 SH   DFND 3 15,000 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 774 16,540 SH   DFND 3 16,540 0 0
VISA INC CL A COMMON STOCK 92826C839 3,933 15,000 SH   DFND 3 15,000 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,074 12,500 SH   DFND 3 12,500 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,096 20,000 SH   DFND 3 20,000 0 0
WILLIAMS-SONOMA INC COMMON STOCK 969904101 757 10,000 SH   DFND 3 10,000 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 1,072 12,000 SH   DFND 3 12,000 0 0
ACTAVIS PLC COMMON STOCK G0083B108 1,287 5,000 SH   DFND 3 5,000 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,238 14,500 SH   DFND 3 14,500 0 0
ABBOTT LABS COMMON STOCK 002824100 9 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 20 450 SH   SOLE   450 0 0
ABBVIE INC COMMON STOCK 00287Y109 13 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 28 425 SH   SOLE   425 0 0
AETNA INC COMMON STOCK 00817Y108 36 405 SH   SOLE   405 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 7 50 SH   SOLE   50 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 31 629 SH   SOLE   629 0 0
AMAZON.COM INC COMMON STOCK 023135106 96 309 SH   SOLE   309 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 28 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 197 2,120 SH   SOLE   2,120 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 53 945 SH   SOLE   945 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E108 11 125 SH   SOLE   125 0 0
AMGEN INC COMMON STOCK 031162100 24 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 152 955 SH   SOLE   955 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 175 SH   OTR   0 175 0
ANALOG DEVICES INC COMMON STOCK 032654105 6 100 SH   SOLE   100 0 0
APACHE CORP COMMON STOCK 037411105 56 900 SH   SOLE   900 0 0
APPLE INC COMMON STOCK 037833100 12 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 410 3,713 SH   SOLE   3,713 0 0
AT&T INC COMMON STOCK 00206R102 24 700 SH   OTR   0 700 0
AT&T INC COMMON STOCK 00206R102 98 2,913 SH   SOLE   2,913 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 39 468 SH   SOLE   468 0 0
BAKER HUGHES INC COMMON STOCK 057224107 37 655 SH   SOLE   655 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 56 3,155 SH   SOLE   3,155 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 68 1,670 SH   SOLE   1,670 0 0
BB&T CORPORATION COMMON STOCK 054937107 7 174 SH   SOLE   174 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 189 1,260 SH   SOLE   1,260 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 27 80 SH   SOLE   80 0 0
BOEING CO COMMON STOCK 097023105 18 140 SH   SOLE   140 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 127 2,150 SH   SOLE   2,150 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 12 150 SH   SOLE   150 0 0
CATERPILLAR INC COMMON STOCK 149123101 95 1,039 SH   SOLE   1,039 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 33 600 SH   SOLE   600 0 0
CELGENE CORP COMMON STOCK 151020104 98 875 SH   SOLE   875 0 0
CERNER CORP COMMON STOCK 156782104 28 440 SH   SOLE   440 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 47 925 SH   SOLE   925 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 27 240 SH   OTR   0 240 0
CHEVRON CORPORATION COMMON STOCK 166764100 216 1,927 SH   SOLE   1,927 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 34 49 SH   SOLE   49 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 11 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 28 1,000 SH   SOLE   1,000 0 0
CITIGROUP INC COMMON STOCK 172967424 88 1,630 SH   SOLE   1,630 0 0
COCA COLA CO COMMON STOCK 191216100 122 2,890 SH   SOLE   2,890 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 14 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 134 1,940 SH   SOLE   1,940 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 14 244 SH   SOLE   244 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 90 1,305 SH   SOLE   1,305 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 47 706 SH   OTR   0 706 0
CORNING INC COMMON STOCK 219350105 21 910 SH   SOLE   910 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 131 924 SH   SOLE   924 0 0
CVS HEALTH CORP COMMON STOCK 126650100 63 650 SH   SOLE   650 0 0
DANAHER CORP COMMON STOCK 235851102 60 700 SH   OTR   0 700 0
DANAHER CORP COMMON STOCK 235851102 123 1,435 SH   SOLE   1,435 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 19 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 181 1,925 SH   SOLE   1,925 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 15 200 SH   OTR   0 200 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 44 575 SH   SOLE   575 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 9 200 SH   OTR   0 200 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 18 405 SH   SOLE   405 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 87 1,180 SH   SOLE   1,180 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 4 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 82 1,465 SH   SOLE   1,465 0 0
ECOLAB INC COMMON STOCK 278865100 26 250 SH   SOLE   250 0 0
EMC CORP MASS COMMON STOCK 268648102 40 1,360 SH   SOLE   1,360 0 0
EMERSON ELEC CO COMMON STOCK 291011104 22 360 SH   SOLE   360 0 0
EOG RES INC COMMON STOCK 26875P101 21 230 SH   SOLE   230 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 125 1,473 SH   SOLE   1,473 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 25 275 SH   OTR   0 275 0
EXXONMOBIL CORP COMMON STOCK 30231G102 380 4,107 SH   SOLE   4,107 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 38 485 SH   SOLE   485 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 121 695 SH   SOLE   695 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 61 3,915 SH   SOLE   3,915 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 36 645 SH   SOLE   645 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 6 40 SH   SOLE   40 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 243 9,615 SH   SOLE   9,615 0 0
GENERAL MLS INC COMMON STOCK 370334104 5 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104 70 1,308 SH   SOLE   1,308 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 1 35 SH   SOLE   35 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 139 1,475 SH   SOLE   1,475 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 175 904 SH   SOLE   904 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 154 290 SH   SOLE   290 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 95 180 SH   SOLE   180 0 0
HALLIBURTON CO COMMON STOCK 406216101 50 1,260 SH   SOLE   1,260 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 24 360 SH   SOLE   360 0 0
HOME DEPOT INC COMMON STOCK 437076102 10 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 184 1,756 SH   SOLE   1,756 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 111 1,110 SH   SOLE   1,110 0 0
INTEL CORP COMMON STOCK 458140100 15 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100 256 7,058 SH   SOLE   7,058 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 72 710 SH   SOLE   710 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 33 615 SH   SOLE   615 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 16 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 211 1,313 SH   SOLE   1,313 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 8 175 SH   SOLE   175 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 16 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104 274 2,623 SH   SOLE   2,623 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 237 3,780 SH   SOLE   3,780 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 10 85 SH   SOLE   85 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 18 290 SH   SOLE   290 0 0
LILLY ELI & CO COMMON STOCK 532457108 13 189 SH   SOLE   189 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 10 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107 56 820 SH   SOLE   820 0 0
MASCO CORP COMMON STOCK 574599106 18 714 SH   SOLE   714 0 0
MCDONALDS CORP COMMON STOCK 580135101 9 100 SH   OTR   0 100 0
MCDONALDS CORP COMMON STOCK 580135101 109 1,159 SH   SOLE   1,159 0 0
MEDTRONIC INC COMMON STOCK 585055106 29 405 SH   SOLE   405 0 0
MERCK & CO INC COMMON STOCK 58933Y105 167 2,939 SH   SOLE   2,939 0 0
METLIFE INC COMMON STOCK 59156R108 30 553 SH   SOLE   553 0 0
MICROSOFT CORP COMMON STOCK 594918104 19 400 SH   OTR   0 400 0
MICROSOFT CORP COMMON STOCK 594918104 253 5,436 SH   SOLE   5,436 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 41 1,135 SH   SOLE   1,135 0 0
MORGAN STANLEY COMMON STOCK 617446448 177 4,573 SH   SOLE   4,573 0 0
MYLAN INC COMMON STOCK 628530107 86 1,525 SH   SOLE   1,525 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 13 200 SH   SOLE   200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 80 755 SH   SOLE   755 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 25 260 SH   SOLE   260 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 48 1,019 SH   OTR   0 1,019 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 37 335 SH   SOLE   335 0 0
NUCOR CORP COMMON STOCK 670346105 10 200 SH   SOLE   200 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 58 725 SH   SOLE   725 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 13 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105 172 3,824 SH   SOLE   3,824 0 0
PEPSICO INC COMMON STOCK 713448108 14 150 SH   OTR   0 150 0
PEPSICO INC COMMON STOCK 713448108 200 2,112 SH   SOLE   2,112 0 0
PFIZER INC COMMON STOCK 717081103 112 3,580 SH   SOLE   3,580 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2 24 SH   SOLE   24 0 0
PHILLIPS 66 COMMON STOCK 718546104 32 445 SH   SOLE   445 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 9 40 SH   SOLE   40 0 0
PRAXAIR INC COMMON STOCK 74005P104 19 145 SH   SOLE   145 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 57 50 SH   SOLE   50 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 14 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 179 1,970 SH   SOLE   1,970 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 41 449 SH   SOLE   449 0 0
QUALCOMM INC COMMON STOCK 747525103 150 2,020 SH   SOLE   2,020 0 0
SALESFORCE.COM COMMON STOCK 79466L302 121 2,045 SH   SOLE   2,045 0 0
SEMPRA ENERGY COMMON STOCK 816851109 58 525 SH   SOLE   525 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 18 100 SH   SOLE   100 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 40 940 SH   SOLE   940 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 18 270 SH   SOLE   270 0 0
STARBUCKS CORP COMMON STOCK 855244109 122 1,485 SH   SOLE   1,485 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 71 875 SH   SOLE   875 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 21 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 64 742 SH   SOLE   742 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 68 654 SH   SOLE   654 0 0
TIME WARNER INC COMMON STOCK 887317303 54 630 SH   SOLE   630 0 0
TJX COS INC COMMON STOCK 872540109 14 200 SH   OTR   0 200 0
TJX COS INC COMMON STOCK 872540109 109 1,595 SH   SOLE   1,595 0 0
TRAVELERS COMPANIES INC COMMON STOCK 87612E106 50 470 SH   SOLE   470 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 3 75 SH   SOLE   75 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 105 1,540 SH   SOLE   1,540 0 0
UNION PAC CORP COMMON STOCK 907818108 98 826 SH   SOLE   826 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 73 655 SH   SOLE   655 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 135 1,175 SH   SOLE   1,175 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 75 740 SH   SOLE   740 0 0
US BANCORP NEW COMMON STOCK 902973304 4 100 SH   OTR   0 100 0
US BANCORP NEW COMMON STOCK 902973304 138 3,075 SH   SOLE   3,075 0 0
V.F. CORP COMMON STOCK 918204108 31 410 SH   SOLE   410 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 36 725 SH   SOLE   725 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 112 2,389 SH   SOLE   2,389 0 0
VIACOM INC-B COMMON STOCK 92553P201 6 85 SH   SOLE   85 0 0
VISA INC CL A COMMON STOCK 92826C839 232 885 SH   SOLE   885 0 0
WAL MART STORES INC COMMON STOCK 931142103 103 1,205 SH   SOLE   1,205 0 0
WELLS FARGO & CO COMMON STOCK 949746101 33 600 SH   OTR   0 600 0
WELLS FARGO & CO COMMON STOCK 949746101 243 4,430 SH   SOLE   4,430 0 0
YAHOO INC COMMON STOCK 984332106 5 100 SH   SOLE   100 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 20 175 SH   SOLE   175 0 0
3M CO COMMON STOCK 88579Y101 123 750 SH   SOLE   750 0 0
AMBEV SA SPONS ADR COMMON STOCK 02319V103 6 1,000 SH   SOLE   1,000 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 12 200 SH   SOLE   200 0 0
CHAMBERS STREET PROPERTIES REI COMMON STOCK 157842105 57 7,066 SH   OTR   0 7,066 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 485 17,628 SH   SOLE   17,628 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 114 1,275 SH   SOLE   1,275 0 0
ACTAVIS PLC COMMON STOCK G0083B108 58 224 SH   SOLE   224 0 0
COVIDIEN PLC COMMON STOCK G2554F113 47 459 SH   SOLE   459 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 8 124 SH   SOLE   124 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 169 1,980 SH   SOLE   1,980 0 0
SANOFI CONTINGENT VALUE RTS 12 OTHER 80105N113 0 45 SH   SOLE   45 0 0
FT/FID ASSET MGMT COV CALL OTHER 337318109 38 2,666 SH   OTR   0 2,666 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 5 100 SH   SOLE   100 0 0
SPDR GOLD TRUST OTHER 78463V107 9 80 SH   SOLE   80 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 4 75 SH   SOLE   75 0 0
FIRST TRUST INTERMEDIATE DUR OTHER 33718W103 37 1,625 SH   OTR   1,625 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 142 1,293 SH   SOLE   1,293 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 1,115 10,000 SH   SOLE   10,000 0 0