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 10 175 SH   DFND 2 175 0 0
ABBOTT LABS COMMON STOCK 002824100 433 10,767 SH   DFND 2 10,767 0 0
ABBOTT LABS COMMON STOCK 002824100 87 2,175 SH   OTR 2 0 2,175 0
ABBOTT LABS COMMON STOCK 002824100 8 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 12 300 SH   SOLE   300 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 19 150 SH   DFND 2 150 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 17 135 SH   OTR 2 0 135 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 3 25 SH   SOLE   25 0 0
ALLIANT CORP COMMON STOCK 018802108 135 2,300 SH   DFND 2 2,300 0 0
ALLSTATE CORP COMMON STOCK 020002101 6 100 SH   DFND 2 100 0 0
AMAZON.COM INC COMMON STOCK 023135106 5,119 10,000 SH   DFND 3 10,000 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,208 4,314 SH   DFND 2 4,314 0 0
AMAZON.COM INC COMMON STOCK 023135106 133 260 SH   OTR 2 0 260 0
AMAZON.COM INC COMMON STOCK 023135106 204 399 SH   SOLE   399 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 58 1,020 SH   DFND 2 1,020 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,360 18,347 SH   DFND 2 18,347 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 278 3,755 SH   OTR 2 0 3,755 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 22 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 131 1,764 SH   SOLE   1,764 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,136 20,000 SH   DFND 3 20,000 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,016 17,886 SH   DFND 2 17,886 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 63 1,115 SH   SOLE   1,115 0 0
AMGEN INC COMMON STOCK 031162100 1,729 12,500 SH   DFND 3 12,500 0 0
AMGEN INC COMMON STOCK 031162100 1,827 13,212 SH   DFND 2 13,212 0 0
AMGEN INC COMMON STOCK 031162100 93 675 SH   OTR 2 0 675 0
AMGEN INC COMMON STOCK 031162100 21 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 155 1,124 SH   SOLE   1,124 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 8 130 SH   DFND 2 130 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 24 420 SH   DFND 2 420 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 175 SH   OTR   0 175 0
APACHE CORP COMMON STOCK 037411105 499 12,750 SH   DFND 2 12,750 0 0
APACHE CORP COMMON STOCK 037411105 31 781 SH   SOLE   781 0 0
APPLE INC COMMON STOCK 037833100 5,625 51,000 SH   DFND 3 51,000 0 0
APPLE INC COMMON STOCK 037833100 5,986 54,271 SH   DFND 2 54,271 0 0
APPLE INC COMMON STOCK 037833100 462 4,185 SH   OTR 2 0 4,185 0
APPLE INC COMMON STOCK 037833100 12 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 387 3,508 SH   SOLE   3,508 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 68 4,635 SH   DFND 2 4,635 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH   DFND 2 200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 34,633 1,297,119 SH   DFND 2 1,297,119 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 911 34,111 SH   OTR 2 0 34,111 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 788 29,504 SH   SOLE   29,504 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 202 2,515 SH   DFND 2 2,515 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 421 5,235 SH   OTR 2 0 5,235 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 38 468 SH   SOLE   468 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   DFND 2 30 0 0
BB&T CORPORATION COMMON STOCK 054937107 14 400 SH   DFND 2 400 0 0
BB&T CORPORATION COMMON STOCK 054937107 3 87 SH   SOLE   87 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 78 2,565 SH   DFND 2 2,565 0 0
BAKER HUGHES INC COMMON STOCK 057224107 520 10,000 SH   DFND 3 10,000 0 0
BAKER HUGHES INC COMMON STOCK 057224107 803 15,430 SH   DFND 2 15,430 0 0
BAKER HUGHES INC COMMON STOCK 057224107 9 175 SH   OTR 2 0 175 0
BAKER HUGHES INC COMMON STOCK 057224107 35 671 SH   SOLE   671 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,564 100,385 SH   DFND 3 100,385 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,311 84,119 SH   DFND 2 84,119 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 23 1,459 SH   OTR 2 0 1,459 0
BANK OF AMERICA CORP COMMON STOCK 060505104 58 3,724 SH   SOLE   3,724 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 1,175 30,000 SH   DFND 3 30,000 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 252 6,443 SH   DFND 2 6,443 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 58 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 47 1,195 SH   SOLE   1,195 0 0
BARD CR INC COMMON STOCK 067383109 22 120 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 60 1,825 SH   DFND 2 1,825 0 0
BAXTER INTL INC COMMON STOCK 071813109 67 2,050 SH   OTR 2 0 2,050 0
BECTON DICKINSON COMMON STOCK 075887109 25 186 SH   DFND 2 186 0 0
BECTON DICKINSON COMMON STOCK 075887109 46 350 SH   OTR 2 0 350 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,021 15,500 SH   DFND 3 15,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,451 18,795 SH   DFND 2 18,795 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 243 1,863 SH   OTR 2 0 1,863 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 168 1,291 SH   SOLE   1,291 0 0
BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH   DFND 2 12 0 0
BOEING CO COMMON STOCK 097023105 280 2,140 SH   DFND 2 2,140 0 0
BOEING CO COMMON STOCK 097023105 12 90 SH   SOLE   90 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 4 265 SH   DFND 2 265 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,941 32,780 SH   DFND 2 32,780 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 199 3,363 SH   OTR 2 0 3,363 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 123 2,079 SH   SOLE   2,079 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 3 45 SH   DFND 2 45 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 30 500 SH   OTR 2 0 500 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 29 150 SH   DFND 2 150 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 10 250 SH   DFND 2 250 0 0
CSX CORP COMMON STOCK 126408103 5 174 SH   DFND 2 174 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,544 16,000 SH   DFND 3 16,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,059 21,344 SH   DFND 2 21,344 0 0
CVS HEALTH CORP COMMON STOCK 126650100 137 1,420 SH   OTR 2 0 1,420 0
CVS HEALTH CORP COMMON STOCK 126650100 63 655 SH   SOLE   655 0 0
CARE CAPITAL PROPERTIES INC RE COMMON STOCK 141624106 1 37 SH   DFND 2 37 0 0
CARNIVAL CORP COMMON STOCK 143658300 60 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 915 14,000 SH   DFND 3 14,000 0 0
CATERPILLAR INC COMMON STOCK 149123101 394 6,026 SH   DFND 2 6,026 0 0
CATERPILLAR INC COMMON STOCK 149123101 69 1,050 SH   OTR 2 0 1,050 0
CATERPILLAR INC COMMON STOCK 149123101 55 837 SH   SOLE   837 0 0
CELGENE CORP COMMON STOCK 151020104 1,785 16,500 SH   DFND 3 16,500 0 0
CELGENE CORP COMMON STOCK 151020104 1,449 13,394 SH   DFND 2 13,394 0 0
CELGENE CORP COMMON STOCK 151020104 189 1,750 SH   OTR 2 0 1,750 0
CELGENE CORP COMMON STOCK 151020104 99 919 SH   SOLE   919 0 0
CERNER CORP COMMON STOCK 156782104 1,349 22,500 SH   DFND 3 22,500 0 0
CERNER CORP COMMON STOCK 156782104 1,113 18,566 SH   DFND 2 18,566 0 0
CERNER CORP COMMON STOCK 156782104 60 1,000 SH   OTR 2 0 1,000 0
CERNER CORP COMMON STOCK 156782104 43 719 SH   SOLE   719 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 136 2,526 SH   DFND 2 2,526 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 0 100 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 9 175 SH   SOLE   175 0 0
THE CHEMOURS COMPANY COMMON STOCK 163851108 3 450 SH   OTR 2 0 450 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 24 450 SH   DFND 2 450 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 789 10,000 SH   DFND 3 10,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,046 25,943 SH   DFND 2 25,943 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 440 5,572 SH   OTR 2 0 5,572 0
CHEVRON CORPORATION COMMON STOCK 166764100 15 190 SH   OTR   0 190 0
CHEVRON CORPORATION COMMON STOCK 166764100 141 1,783 SH   SOLE   1,783 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 720 1,000 SH   DFND 3 1,000 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 1,398 1,941 SH   DFND 2 1,941 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 58 80 SH   OTR 2 0 80 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 141 196 SH   SOLE   196 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 8 100 SH   DFND 2 100 0 0
CITIGROUP INC COMMON STOCK 172967424 1,612 32,500 SH   DFND 3 32,500 0 0
CITIGROUP INC COMMON STOCK 172967424 1,352 27,252 SH   DFND 2 27,252 0 0
CITIGROUP INC COMMON STOCK 172967424 51 1,036 SH   OTR 2 0 1,036 0
CITIGROUP INC COMMON STOCK 172967424 89 1,799 SH   SOLE   1,799 0 0
CLARCOR INC COMMON STOCK 179895107 5 111 SH   DFND 2 111 0 0
CLOROX COMPANY COMMON STOCK 189054109 142 1,232 SH   DFND 2 1,232 0 0
CLOROX COMPANY COMMON STOCK 189054109 23 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 401 10,000 SH   DFND 3 10,000 0 0
COCA COLA CO COMMON STOCK 191216100 1,069 26,634 SH   DFND 2 26,634 0 0
COCA COLA CO COMMON STOCK 191216100 81 2,020 SH   OTR 2 0 2,020 0
COCA COLA CO COMMON STOCK 191216100 103 2,578 SH   SOLE   2,578 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 470 7,500 SH   DFND 3 7,500 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 888 14,000 SH   DFND 3 14,000 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 675 10,638 SH   DFND 2 10,638 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 459 7,230 SH   OTR 2 0 7,230 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 13 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 94 1,480 SH   SOLE   1,480 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 241 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 68 1,014 SH   DFND 2 1,014 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 47 706 SH   OTR   0 706 0
CORNING INC COMMON STOCK 219350105 826 48,225 SH   DFND 2 48,225 0 0
CORNING INC COMMON STOCK 219350105 18 1,025 SH   OTR 2 0 1,025 0
CORNING INC COMMON STOCK 219350105 31 1,809 SH   SOLE   1,809 0 0
CUMMINS INC COMMON STOCK 231021106 1,292 11,897 SH   DFND 3 11,897 0 0
CUMMINS INC COMMON STOCK 231021106 635 5,849 SH   DFND 2 5,849 0 0
CUMMINS INC COMMON STOCK 231021106 8 70 SH   SOLE   70 0 0
DTE ENERGY CO COMMON STOCK 233331107 16 199 SH   DFND 2 199 0 0
DTE ENERGY CO COMMON STOCK 233331107 30 375 SH   OTR 2 0 375 0
DANAHER CORP COMMON STOCK 235851102 415 4,874 SH   DFND 2 4,874 0 0
DANAHER CORP COMMON STOCK 235851102 39 452 SH   OTR 2 0 452 0
DANAHER CORP COMMON STOCK 235851102 9 101 SH   OTR   0 101 0
DANAHER CORP COMMON STOCK 235851102 20 237 SH   SOLE   237 0 0
DEERE & CO COMMON STOCK 244199105 100 1,355 SH   DFND 2 1,355 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,568 15,345 SH   DFND 3 15,345 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,644 25,870 SH   DFND 2 25,870 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 630 6,167 SH   OTR 2 0 6,167 0
DISNEY WALT CO NEW COMMON STOCK 254687106 20 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 240 2,345 SH   SOLE   2,345 0 0
DOLLAR TREE INC COMMON STOCK 256746108 535 8,030 SH   DFND 2 8,030 0 0
DONALDSON INC COMMON STOCK 257651109 6 210 SH   DFND 2 210 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 381 8,982 SH   DFND 2 8,982 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 33 790 SH   OTR 2 0 790 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 8 200 SH   OTR   0 200 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 357 7,415 SH   DFND 2 7,415 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 130 2,705 SH   OTR 2 0 2,705 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 8 175 SH   SOLE   175 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 25 500 SH   OTR 2 0 500 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 5 100 SH   SOLE   100 0 0
EMC CORP MASS COMMON STOCK 268648102 203 8,389 SH   DFND 2 8,389 0 0
EMC CORP MASS COMMON STOCK 268648102 21 880 SH   SOLE   880 0 0
EBAY INC COMMON STOCK 278642103 206 8,424 SH   DFND 2 8,424 0 0
EBAY INC COMMON STOCK 278642103 1 50 SH   OTR 2 0 50 0
EBAY INC COMMON STOCK 278642103 11 450 SH   SOLE   450 0 0
ECOLAB INC COMMON STOCK 278865100 1,015 9,253 SH   DFND 2 9,253 0 0
ECOLAB INC COMMON STOCK 278865100 91 825 SH   OTR 2 0 825 0
ECOLAB INC COMMON STOCK 278865100 71 644 SH   SOLE   644 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 9 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 18 270 SH   DFND 2 270 0 0
EMERSON ELEC CO COMMON STOCK 291011104 229 5,179 SH   DFND 2 5,179 0 0
EMERSON ELEC CO COMMON STOCK 291011104 189 4,270 SH   OTR 2 0 4,270 0
EMERSON ELEC CO COMMON STOCK 291011104 11 250 SH   SOLE   250 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 24 944 SH   DFND 2 944 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 10 210 SH   DFND 2 210 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 10 60 SH   DFND 2 60 0 0
FASTENAL CO COMMON STOCK 311900104 7 190 SH   DFND 2 190 0 0
FISERV INC COMMON STOCK 337738108 236 2,730 SH   DFND 2 2,730 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 25 801 SH   DFND 2 801 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 283 20,885 SH   DFND 2 20,885 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 33 2,400 SH   OTR 2 0 2,400 0
FORD MOTOR CO DEL COMMON STOCK 345370860 8 565 SH   SOLE   565 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 231 1,677 SH   DFND 2 1,677 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 35 253 SH   OTR 2 0 253 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 6 40 SH   SOLE   40 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,261 50,000 SH   DFND 3 50,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,479 137,965 SH   DFND 2 137,965 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,072 42,501 SH   OTR 2 0 42,501 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 223 8,857 SH   SOLE   8,857 0 0
GENERAL MLS INC COMMON STOCK 370334104 1,441 25,664 SH   DFND 2 25,664 0 0
GENERAL MLS INC COMMON STOCK 370334104 56 1,000 SH   OTR 2 0 1,000 0
GENERAL MLS INC COMMON STOCK 370334104 6 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104 66 1,167 SH   SOLE   1,167 0 0
GENUINE PARTS CO COMMON STOCK 372460105 17 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,964 20,000 SH   DFND 3 20,000 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,904 19,390 SH   DFND 2 19,390 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 177 1,805 SH   OTR 2 0 1,805 0
GILEAD SCIENCES INC COMMON STOCK 375558103 147 1,501 SH   SOLE   1,501 0 0
GRAINGER W W INC COMMON STOCK 384802104 26 120 SH   DFND 2 120 0 0
GROUPON INC COMMON STOCK 399473107 13 4,000 SH   DFND 2 4,000 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 671 13,000 SH   DFND 3 13,000 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 474 9,183 SH   DFND 2 9,183 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 48 935 SH   SOLE   935 0 0
HALLIBURTON CO COMMON STOCK 406216101 334 9,455 SH   DFND 2 9,455 0 0
HALLIBURTON CO COMMON STOCK 406216101 7 200 SH   OTR 2 0 200 0
HALLIBURTON CO COMMON STOCK 406216101 26 740 SH   SOLE   740 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 66 1,207 SH   OTR 2 0 1,207 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 7 150 SH   DFND 2 150 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 893 18,900 SH   DFND 3 18,900 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 73 1,535 SH   DFND 2 1,535 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 17 360 SH   SOLE   360 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 8 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 437 4,753 SH   DFND 2 4,753 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 16 177 SH   SOLE   177 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 3 100 SH   DFND 2 100 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 239 9,348 SH   OTR 2 0 9,348 0
HEXCEL CORP COMMON STOCK 428291108 35 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,985 17,186 SH   DFND 2 17,186 0 0
HOME DEPOT INC COMMON STOCK 437076102 281 2,430 SH   OTR 2 0 2,430 0
HOME DEPOT INC COMMON STOCK 437076102 12 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 181 1,567 SH   SOLE   1,567 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 947 10,000 SH   DFND 3 10,000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,383 14,603 SH   DFND 2 14,603 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 148 1,565 SH   OTR 2 0 1,565 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 98 1,039 SH   SOLE   1,039 0 0
HORMEL FOODS CORPORATION COMMON STOCK 440452100 8 120 SH   DFND 2 120 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 45 550 SH   DFND 2 550 0 0
INTEL CORP COMMON STOCK 458140100 2,163 71,765 SH   DFND 2 71,765 0 0
INTEL CORP COMMON STOCK 458140100 392 13,005 SH   OTR 2 0 13,005 0
INTEL CORP COMMON STOCK 458140100 12 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100 185 6,142 SH   SOLE   6,142 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2,181 15,047 SH   DFND 2 15,047 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,216 8,391 SH   OTR 2 0 8,391 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 14 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 120 829 SH   SOLE   829 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,136 11,000 SH   DFND 3 11,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,341 12,991 SH   DFND 2 12,991 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 21 205 SH   OTR 2 0 205 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 96 925 SH   SOLE   925 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 93 2,470 SH   DFND 2 2,470 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 19 500 SH   OTR 2 0 500 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 17 450 SH   SOLE   450 0 0
INTUIT INC COMMON STOCK 461202103 72 810 SH   DFND 2 810 0 0
ISHARES GOLD TRUST OTHER 464285105 1 100 SH   DFND 2 100 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 6,878 62,769 SH   DFND 2 62,769 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 86 785 SH   OTR 2 0 785 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 188 1,715 SH   SOLE   1,715 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 178 2,100 SH   DFND 2 2,100 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 296 5,167 SH   DFND 2 5,167 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 76 555 SH   DFND 2 555 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 260 2,441 SH   DFND 2 2,441 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 3,048 27,508 SH   DFND 2 27,508 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 1,108 10,000 SH   SOLE   10,000 0 0
ISHARES TR S&P NAT MUNI BOND E OTHER 464288414 49 446 SH   DFND 2 446 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 443 4,212 SH   DFND 2 4,212 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 924 23,950 SH   DFND 2 23,950 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 81 2,100 SH   OTR 2 0 2,100 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 25 735 SH   DFND 2 735 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 59 1,563 SH   DFND 2 1,563 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 31 823 SH   OTR 2 0 823 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 3 75 SH   SOLE   75 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 934 10,000 SH   DFND 3 10,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,114 33,362 SH   DFND 2 33,362 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,803 19,318 SH   OTR 2 0 19,318 0
JOHNSON & JOHNSON COMMON STOCK 478160104 14 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104 237 2,536 SH   SOLE   2,536 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 39 950 SH   DFND 2 950 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 4 100 SH   OTR 2 0 100 0
KELLOGG CO COMMON STOCK 487836108 68 1,025 SH   DFND 2 1,025 0 0
KELLOGG CO COMMON STOCK 487836108 170 2,555 SH   OTR 2 0 2,555 0
KEYCORP COMMON STOCK 493267108 13 1,012 SH   DFND 2 1,012 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 69 631 SH   DFND 2 631 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 9 85 SH   SOLE   85 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 212 2,997 SH   DFND 2 2,997 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 8 110 SH   OTR 2 0 110 0
KRAFT HEINZ CO COMMON STOCK 500754106 3 40 SH   SOLE   40 0 0
KROGER CO COMMON STOCK 501044101 36 1,000 SH   DFND 2 1,000 0 0
L BRANDS, INC COMMON STOCK 501797104 16 175 SH   DFND 2 175 0 0
LILLY ELI & CO COMMON STOCK 532457108 285 3,405 SH   DFND 2 3,405 0 0
LILLY ELI & CO COMMON STOCK 532457108 197 2,350 SH   OTR 2 0 2,350 0
LILLY ELI & CO COMMON STOCK 532457108 11 127 SH   SOLE   127 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 117 564 SH   DFND 2 564 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 10 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107 437 6,338 SH   DFND 2 6,338 0 0
LOWES COS INC COMMON STOCK 548661107 203 2,950 SH   OTR 2 0 2,950 0
LOWES COS INC COMMON STOCK 548661107 33 480 SH   SOLE   480 0 0
LULULEMON ATHLETICA INC COMMON STOCK 550021109 25 500 SH   DFND 2 500 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 7 400 SH   DFND 2 400 0 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 8 125 SH   DFND 2 125 0 0
MARATHON OIL CORP COMMON STOCK 565849106 15 965 SH   DFND 2 965 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 682 10,000 SH   DFND 3 10,000 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 813 11,915 SH   DFND 2 11,915 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 12 175 SH   OTR 2 0 175 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 63 919 SH   SOLE   919 0 0
MASCO CORP COMMON STOCK 574599106 1,385 55,000 SH   DFND 3 55,000 0 0
MASCO CORP COMMON STOCK 574599106 907 36,003 SH   DFND 2 36,003 0 0
MASCO CORP COMMON STOCK 574599106 13 510 SH   OTR 2 0 510 0
MASCO CORP COMMON STOCK 574599106 32 1,287 SH   SOLE   1,287 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 8 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 844 8,561 SH   DFND 2 8,561 0 0
MCDONALDS CORP COMMON STOCK 580135101 421 4,275 SH   OTR 2 0 4,275 0
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MCDONALDS CORP COMMON STOCK 580135101 78 789 SH   SOLE   789 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,720 38,870 SH   DFND 3 38,870 0 0
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MICROSOFT CORP COMMON STOCK 594918104 243 5,483 SH   SOLE   5,483 0 0
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MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 14 325 SH   SOLE   325 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,890 60,000 SH   DFND 3 60,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,606 50,977 SH   DFND 2 50,977 0 0
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NBT BANCORP INC COM COMMON STOCK 628778102 18 665 SH   DFND 2 665 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 101 2,695 SH   DFND 2 2,695 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 28 750 SH   OTR 2 0 750 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 8 200 SH   SOLE   200 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 8 200 SH   DFND 2 200 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 512 4,163 SH   DFND 2 4,163 0 0
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NOBLE ENERGY INC COMMON STOCK 655044105 31 1,019 SH   OTR   0 1,019 0
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NORFOLK SOUTHERN CORP COMMON STOCK 655844108 26 335 SH   SOLE   335 0 0
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OLIN CORP COMMON STOCK 680665205 5 300 SH   DFND 2 300 0 0
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PPG INDUSTRIES INC COMMON STOCK 693506107 22 250 SH   OTR 2 0 250 0
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PACKAGING CORP OF AMERICA COMMON STOCK 695156109 38 625 SH   OTR 2 0 625 0
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PHILLIPS 66 COMMON STOCK 718546104 34 445 SH   SOLE   445 0 0
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COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,879 13,000 SH   DFND 3 13,000 0 0
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EXXONMOBIL CORP COMMON STOCK 30231G102 1,304 17,535 SH   OTR 2 0 17,535 0
EXXONMOBIL CORP COMMON STOCK 30231G102 16 220 SH   OTR   0 220 0
EXXONMOBIL CORP COMMON STOCK 30231G102 290 3,895 SH   SOLE   3,895 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 4,495 50,000 SH   DFND 3 50,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,060 11,790 SH   DFND 2 11,790 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 122 1,355 SH   SOLE   1,355 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 864 6,000 SH   DFND 3 6,000 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 301 2,090 SH   DFND 2 2,090 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 83 575 SH   SOLE   575 0 0
FNF GROUP COMMON STOCK 31620R303 106 3,000 SH   DFND 2 3,000 0 0
FNFV GROUP COMMON STOCK 31620R402 12 998 SH   DFND 2 998 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 28 600 SH   DFND 2 600 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 24 1,350 SH   DFND 2 1,350 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 72 2,400 SH   DFND 2 2,400 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 4 100 SH   DFND 2 100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,738 10,000 SH   DFND 3 10,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,657 9,534 SH   DFND 2 9,534 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 87 500 SH   OTR 2 0 500 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 122 703 SH   SOLE   703 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,553 4,000 SH   DFND 3 4,000 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 3,657 5,728 SH   DFND 2 5,728 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 313 491 SH   OTR 2 0 491 0
GOOGLE INC CL A COMMON STOCK 38259P508 377 591 SH   SOLE   591 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 2,593 4,262 SH   DFND 3 4,262 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 912 1,499 SH   DFND 2 1,499 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 49 80 SH   OTR 2 0 80 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 46 75 SH   SOLE   75 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 4 260 SH   DFND 2 260 0 0
ISHARES SILVER TRUST OTHER 46428Q109 23 1,674 SH   DFND 2 1,674 0 0
J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 2 172 SH   DFND 2 172 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,646 27,000 SH   DFND 3 27,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,833 46,462 SH   DFND 2 46,462 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 526 8,632 SH   OTR 2 0 8,632 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 215 3,531 SH   SOLE   3,531 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 26 1,000 SH   DFND 2 1,000 0 0
KADANT INC COMMON STOCK 48282T104 32 809 SH   DFND 2 809 0 0
KB HOME COM COMMON STOCK 48666K109 678 50,000 SH   DFND 3 50,000 0 0
KB HOME COM COMMON STOCK 48666K109 1 100 SH   DFND 2 100 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 52 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 11 409 SH   DFND 2 409 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 9 200 SH   DFND 2 200 0 0
MARKET VECTORS ETF TRUST OTHER 57060U183 29 250 SH   DFND 2 250 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 48 530 SH   DFND 2 530 0 0
MCKESSON CORP COMMON STOCK 58155Q103 28 152 SH   DFND 2 152 0 0
MERCK & CO INC COMMON STOCK 58933Y105 884 17,900 SH   DFND 3 17,900 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,822 36,900 SH   DFND 2 36,900 0 0
MERCK & CO INC COMMON STOCK 58933Y105 396 8,010 SH   OTR 2 0 8,010 0
MERCK & CO INC COMMON STOCK 58933Y105 150 3,040 SH   SOLE   3,040 0 0
METLIFE INC COMMON STOCK 59156R108 173 3,664 SH   DFND 2 3,664 0 0
METLIFE INC COMMON STOCK 59156R108 14 290 SH   OTR 2 0 290 0
METLIFE INC COMMON STOCK 59156R108 6 125 SH   SOLE   125 0 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 8 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 6 65 SH   DFND 2 65 0 0
NETFLIX INC COMMON STOCK 64110L106 1,342 13,000 SH   DFND 3 13,000 0 0
NETFLIX INC COMMON STOCK 64110L106 1,219 11,805 SH   DFND 2 11,805 0 0
NETFLIX INC COMMON STOCK 64110L106 115 1,115 SH   SOLE   1,115 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 93 2,639 SH   DFND 2 2,639 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 154 4,352 SH   OTR 2 0 4,352 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 42 1,197 SH   OTR   0 1,197 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 679 6,965 SH   DFND 3 6,965 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,099 11,270 SH   DFND 2 11,270 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 111 1,140 SH   OTR 2 0 1,140 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 86 883 SH   SOLE   883 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 64 700 SH   DFND 2 700 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,805 49,983 SH   DFND 2 49,983 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 228 6,320 SH   OTR 2 0 6,320 0
ORACLE CORPORATION COMMON STOCK 68389X105 11 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105 121 3,346 SH   SOLE   3,346 0 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 6 30 SH   DFND 2 30 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 559 18,007 SH   DFND 2 18,007 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 2 50 SH   OTR 2 0 50 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 38 1,225 SH   SOLE   1,225 0 0
PLUG POWER INC COMMON STOCK 72919P202 9 5,000 SH   DFND 2 5,000 0 0
PLUG POWER INC COMMON STOCK 72919P202 10 5,570 SH   SOLE   5,570 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 5 250 SH   DFND 2 250 0 0
PRAXAIR INC COMMON STOCK 74005P104 184 1,804 SH   DFND 2 1,804 0 0
PRAXAIR INC COMMON STOCK 74005P104 34 333 SH   OTR 2 0 333 0
PRAXAIR INC COMMON STOCK 74005P104 11 105 SH   SOLE   105 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 350 5,039 SH   DFND 2 5,039 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 239 3,435 SH   OTR 2 0 3,435 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 17 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 31 447 SH   SOLE   447 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 40 650 SH   OTR 2 0 650 0
REMY INTERNATIONAL INC COMMON STOCK 75971M108 5 178 SH   DFND 2 178 0 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 12 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,336 38,280 SH   DFND 2 38,280 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 57 300 SH   OTR 2 0 300 0
SPDR GOLD TRUST OTHER 78463V107 17 156 SH   DFND 2 156 0 0
SPDR GOLD TRUST OTHER 78463V107 9 80 SH   SOLE   80 0 0
SPDR S&P BRIC 40 ETF OTHER 78463X798 106 5,720 SH   DFND 2 5,720 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 109 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 683 7,328 SH   DFND 2 7,328 0 0
SPDR BARCLAYS HIGH YIELD BOND OTHER 78464A417 36 1,009 SH   DFND 2 1,009 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 342 3,766 SH   DFND 2 3,766 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 39 400 SH   DFND 2 400 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 145 1,250 SH   DFND 2 1,250 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 643 2,585 SH   DFND 2 2,585 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,569 37,000 SH   DFND 3 37,000 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,146 30,904 SH   DFND 2 30,904 0 0
SALESFORCE.COM COMMON STOCK 79466L302 61 875 SH   OTR 2 0 875 0
SALESFORCE.COM COMMON STOCK 79466L302 202 2,906 SH   SOLE   2,906 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 84 2,102 SH   DFND 2 2,102 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 145 3,631 SH   OTR 2 0 3,631 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 3 75 SH   SOLE   75 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 266 4,020 SH   DFND 2 4,020 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 317 4,790 SH   OTR 2 0 4,790 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 93 1,974 SH   DFND 2 1,974 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 223 4,720 SH   OTR 2 0 4,720 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 216 2,913 SH   DFND 2 2,913 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 528 7,105 SH   OTR 2 0 7,105 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 128 2,091 SH   DFND 2 2,091 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 217 3,540 SH   OTR 2 0 3,540 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 355 15,670 SH   DFND 2 15,670 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 506 22,335 SH   OTR 2 0 22,335 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 137 2,742 SH   DFND 2 2,742 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 280 5,607 SH   OTR 2 0 5,607 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 227 5,741 SH   DFND 2 5,741 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 506 12,816 SH   OTR 2 0 12,816 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 101 2,340 SH   DFND 2 2,340 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 44 1,023 SH   OTR 2 0 1,023 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 3 65 SH   SOLE   65 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 807 12,138 SH   DFND 2 12,138 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 38 565 SH   OTR 2 0 565 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 4 60 SH   OTR   0 60 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 43 649 SH   SOLE   649 0 0
TARGET CORP COMMON STOCK 87612E106 116 1,478 SH   DFND 2 1,478 0 0
TARGET CORP COMMON STOCK 87612E106 10 125 SH   OTR 2 0 125 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 2 175 SH   DFND 2 175 0 0
3M CO COMMON STOCK 88579Y101 880 6,206 SH   DFND 2 6,206 0 0
3M CO COMMON STOCK 88579Y101 638 4,498 SH   OTR 2 0 4,498 0
3M CO COMMON STOCK 88579Y101 97 685 SH   SOLE   685 0 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 18 100 SH   DFND 2 100 0 0
TRANSCANADA CORP COMMON STOCK 89353D107 6 200 SH   DFND 2 200 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 146 1,470 SH   DFND 2 1,470 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 17 625 SH   DFND 2 625 0 0
TWITTER INC COMMON STOCK 90184L102 1,102 40,903 SH   DFND 3 40,903 0 0
TWITTER INC COMMON STOCK 90184L102 28 1,055 SH   DFND 2 1,055 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 13 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,450 12,500 SH   DFND 3 12,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 276 2,375 SH   DFND 2 2,375 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 30 255 SH   OTR 2 0 255 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 78 675 SH   SOLE   675 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 38 625 SH   DFND 2 625 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 44 725 SH   SOLE   725 0 0
VENTAS INC REIT COMMON STOCK 92276F100 8 150 SH   DFND 2 150 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 720 16,540 SH   DFND 3 16,540 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,151 26,444 SH   DFND 2 26,444 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 273 6,268 SH   OTR 2 0 6,268 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 61 1,396 SH   SOLE   1,396 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 31 300 SH   DFND 2 300 0 0
VIACOM INC-B COMMON STOCK 92553P201 22 505 SH   DFND 2 505 0 0
VIACOM INC-B COMMON STOCK 92553P201 85 1,960 SH   OTR 2 0 1,960 0
VIACOM INC-B COMMON STOCK 92553P201 4 85 SH   SOLE   85 0 0
VISA INC CL A COMMON STOCK 92826C839 4,180 60,000 SH   DFND 3 60,000 0 0
VISA INC CL A COMMON STOCK 92826C839 2,659 38,170 SH   DFND 2 38,170 0 0
VISA INC CL A COMMON STOCK 92826C839 162 2,330 SH   OTR 2 0 2,330 0
VISA INC CL A COMMON STOCK 92826C839 5 70 SH   OTR   0 70 0
VISA INC CL A COMMON STOCK 92826C839 266 3,819 SH   SOLE   3,819 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 68 1,300 SH   DFND 2 1,300 0 0
WESTROCK CO COMMON STOCK 96145D105 5 99 SH   DFND 2 99 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 4 684 SH   DFND 2 684 0 0
WISDOMTREE EUROPE HEDGED EQU OTHER 97717X701 3 62 SH   DFND 2 62 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 223 2,375 SH   DFND 2 2,375 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 35 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 7 75 SH   SOLE   75 0 0
ALLERGAN PLC COMMON STOCK G0177J108 1,631 6,000 SH   DFND 3 6,000 0 0
ALLERGAN PLC COMMON STOCK G0177J108 510 1,877 SH   DFND 2 1,877 0 0
ALLERGAN PLC COMMON STOCK G0177J108 51 187 SH   SOLE   187 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 277 2,824 SH   DFND 2 2,824 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 10 100 SH   OTR 2 0 100 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 47 480 SH   SOLE   480 0 0
EATON CORP PLC COMMON STOCK G29183103 64 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 4 71 SH   DFND 2 71 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 3 62 SH   SOLE   62 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 361 5,387 SH   DFND 2 5,387 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 166 2,482 SH   OTR 2 0 2,482 0
MEDTRONIC PLC COMMON STOCK G5960L103 22 330 SH   SOLE   330 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 13 1,000 SH   DFND 2 1,000 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,190 15,000 SH   DFND 3 15,000 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,935 24,397 SH   DFND 2 24,397 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 12 150 SH   OTR 2 0 150 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 151 1,906 SH   SOLE   1,906 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 3 200 SH   DFND 2 200 0 0
MYLAN NV COMMON STOCK N59465109 604 15,000 SH   DFND 3 15,000 0 0
MYLAN NV COMMON STOCK N59465109 116 2,890 SH   DFND 2 2,890 0 0
MYLAN NV COMMON STOCK N59465109 24 600 SH   OTR 2 0 600 0
MYLAN NV COMMON STOCK N59465109 56 1,400 SH   SOLE   1,400 0 0