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
ABBOTT LABS COMMON STOCK 002824100 360 8,501 SH   DFND 2 8,501 0 0
ABBOTT LABS COMMON STOCK 002824100 92 2,175 SH   OTR 2 0 2,175 0
ABBOTT LABS COMMON STOCK 002824100 13 300 SH   SOLE   300 0 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 11 75 SH   DFND 2 75 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 34 225 SH   DFND 2 225 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 20 135 SH   OTR 2 0 135 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 4 25 SH   SOLE   25 0 0
ALLIANT CORP COMMON STOCK 018802108 113 2,960 SH   DFND 2 2,960 0 0
AMAZON.COM INC COMMON STOCK 023135106 3,379 4,036 SH   DFND 2 4,036 0 0
AMAZON.COM INC COMMON STOCK 023135106 185 221 SH   OTR 2 0 221 0
AMAZON.COM INC COMMON STOCK 023135106 6,280 7,500 SH   DFND 3 7,500 0 0
AMAZON.COM INC COMMON STOCK 023135106 332 396 SH   SOLE   396 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 64 994 SH   DFND 2 994 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 671 10,475 SH   DFND 2 10,475 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 180 2,805 SH   OTR 2 0 2,805 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 68 1,069 SH   SOLE   1,069 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,091 18,384 SH   DFND 2 18,384 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 93 1,565 SH   SOLE   1,565 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 105 1,405 SH   DFND 2 1,405 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 2 30 SH   OTR 2 0 30 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 6 75 SH   SOLE   75 0 0
AMGEN INC COMMON STOCK 031162100 2,246 13,463 SH   DFND 2 13,463 0 0
AMGEN INC COMMON STOCK 031162100 113 675 SH   OTR 2 0 675 0
AMGEN INC COMMON STOCK 031162100 2,085 12,500 SH   DFND 3 12,500 0 0
AMGEN INC COMMON STOCK 031162100 210 1,256 SH   SOLE   1,256 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 14 220 SH   DFND 2 220 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 11 175 SH   SOLE   175 0 0
APACHE CORP COMMON STOCK 037411105 559 8,754 SH   DFND 2 8,754 0 0
APACHE CORP COMMON STOCK 037411105 958 15,000 SH   DFND 3 15,000 0 0
APACHE CORP COMMON STOCK 037411105 57 896 SH   SOLE   896 0 0
APPLE INC COMMON STOCK 037833100 5,496 48,617 SH   DFND 2 48,617 0 0
APPLE INC COMMON STOCK 037833100 520 4,603 SH   OTR 2 0 4,603 0
APPLE INC COMMON STOCK 037833100 4,522 40,000 SH   DFND 3 40,000 0 0
APPLE INC COMMON STOCK 037833100 570 5,046 SH   SOLE   5,046 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 140 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 43,558 1,326,776 SH   DFND 2 1,326,776 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 1,026 31,265 SH   OTR 2 0 31,265 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 795 24,208 SH   SOLE   24,208 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 457 5,180 SH   OTR 2 0 5,180 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 222 2,515 SH   DFND 2 2,515 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 41 468 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 61 1,615 SH   DFND 2 1,615 0 0
BB&T CORPORATION COMMON STOCK 054937107 1,886 50,000 SH   DFND 3 50,000 0 0
BB&T CORPORATION COMMON STOCK 054937107 3 87 SH   SOLE   87 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 66 1,890 SH   DFND 2 1,890 0 0
BAKER HUGHES INC COMMON STOCK 057224107 618 12,251 SH   DFND 2 12,251 0 0
BAKER HUGHES INC COMMON STOCK 057224107 3 55 SH   OTR 2 0 55 0
BAKER HUGHES INC COMMON STOCK 057224107 505 10,000 SH   DFND 3 10,000 0 0
BAKER HUGHES INC COMMON STOCK 057224107 27 526 SH   SOLE   526 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 759 48,477 SH   DFND 2 48,477 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 1,571 100,385 SH   DFND 3 100,385 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 123 7,869 SH   SOLE   7,869 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 217 5,430 SH   DFND 2 5,430 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 59 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 11 265 SH   SOLE   265 0 0
BARD CR INC COMMON STOCK 067383109 40 180 SH   DFND 2 180 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 2 100 SH   DFND 2 100 0 0
BAXTER INTL INC COMMON STOCK 071813109 98 2,050 SH   OTR 2 0 2,050 0
BAXTER INTL INC COMMON STOCK 071813109 70 1,475 SH   DFND 2 1,475 0 0
BECTON DICKINSON COMMON STOCK 075887109 51 285 SH   OTR 2 0 285 0
BECTON DICKINSON COMMON STOCK 075887109 35 195 SH   DFND 2 195 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,600 17,998 SH   DFND 2 17,998 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 226 1,565 SH   OTR 2 0 1,565 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,239 15,500 SH   DFND 3 15,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 181 1,256 SH   SOLE   1,256 0 0
BOB EVANS FARMS INC COMMON STOCK 096761101 0 12 SH   DFND 2 12 0 0
BOEING CO COMMON STOCK 097023105 213 1,620 SH   DFND 2 1,620 0 0
BOEING CO COMMON STOCK 097023105 7 50 SH   SOLE   50 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,651 30,628 SH   DFND 2 30,628 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 119 2,205 SH   OTR 2 0 2,205 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 809 15,000 SH   DFND 3 15,000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 165 3,069 SH   SOLE   3,069 0 0
BROOKFIELD ASSET MANAGEMENT CL COMMON STOCK 112585104 26 750 SH   SOLE   750 0 0
BRUNSWICK CORP COMMON STOCK 117043109 10 200 SH   DFND 2 200 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 36 500 SH   OTR 2 0 500 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 3 45 SH   DFND 2 45 0 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 7 50 SH   DFND 2 50 0 0
CSX CORP COMMON STOCK 126408103 5 180 SH   DFND 2 180 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,824 20,498 SH   DFND 2 20,498 0 0
CVS HEALTH CORP COMMON STOCK 126650100 72 811 SH   OTR 2 0 811 0
CVS HEALTH CORP COMMON STOCK 126650100 1,424 16,000 SH   DFND 3 16,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 145 1,635 SH   SOLE   1,635 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 13 200 SH   SOLE   200 0 0
CARMAX INC COMMON STOCK 143130102 11 200 SH   DFND 2 200 0 0
CARNIVAL CORP COMMON STOCK 143658300 59 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 235 2,643 SH   DFND 2 2,643 0 0
CATERPILLAR INC COMMON STOCK 149123101 155 1,750 SH   OTR 2 0 1,750 0
CELGENE CORP COMMON STOCK 151020104 1,401 13,403 SH   DFND 2 13,403 0 0
CELGENE CORP COMMON STOCK 151020104 126 1,205 SH   OTR 2 0 1,205 0
CELGENE CORP COMMON STOCK 151020104 1,150 11,000 SH   DFND 3 11,000 0 0
CELGENE CORP COMMON STOCK 151020104 87 837 SH   SOLE   837 0 0
CERNER CORP COMMON STOCK 156782104 1,050 17,002 SH   DFND 2 17,002 0 0
CERNER CORP COMMON STOCK 156782104 1,235 20,000 SH   DFND 3 20,000 0 0
CERNER CORP COMMON STOCK 156782104 44 719 SH   SOLE   719 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 45 900 SH   DFND 2 900 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 0 100 0
THE CHEMOURS COMPANY COMMON STOCK 163851108 1 80 SH   DFND 2 80 0 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 16 270 SH   DFND 2 270 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,239 21,752 SH   DFND 2 21,752 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 624 6,064 SH   OTR 2 0 6,064 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,287 12,500 SH   DFND 3 12,500 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 194 1,888 SH   SOLE   1,888 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 2 4 SH   DFND 2 4 0 0
CITIGROUP INC COMMON STOCK 172967424 459 9,708 SH   DFND 2 9,708 0 0
CITIGROUP INC COMMON STOCK 172967424 11 236 SH   OTR 2 0 236 0
CITIGROUP INC COMMON STOCK 172967424 945 20,000 SH   DFND 3 20,000 0 0
CITIGROUP INC COMMON STOCK 172967424 64 1,349 SH   SOLE   1,349 0 0
CLOROX COMPANY COMMON STOCK 189054109 109 872 SH   DFND 2 872 0 0
CLOROX COMPANY COMMON STOCK 189054109 25 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 1,576 37,235 SH   DFND 2 37,235 0 0
COCA COLA CO COMMON STOCK 191216100 76 1,805 SH   OTR 2 0 1,805 0
COCA COLA CO COMMON STOCK 191216100 128 3,033 SH   SOLE   3,033 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 16 330 SH   DFND 2 330 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 506 6,830 SH   OTR 2 0 6,830 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 484 6,530 SH   DFND 2 6,530 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 81 1,095 SH   SOLE   1,095 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 312 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 10 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 76 1,014 SH   DFND 2 1,014 0 0
CORNING INC COMMON STOCK 219350105 27 1,125 SH   DFND 2 1,125 0 0
CORNING INC COMMON STOCK 219350105 5 206 SH   SOLE   206 0 0
CUMMINS INC COMMON STOCK 231021106 868 6,777 SH   DFND 2 6,777 0 0
CUMMINS INC COMMON STOCK 231021106 4 35 SH   OTR 2 0 35 0
CUMMINS INC COMMON STOCK 231021106 1,025 8,000 SH   DFND 3 8,000 0 0
CUMMINS INC COMMON STOCK 231021106 31 240 SH   SOLE   240 0 0
DTE ENERGY CO COMMON STOCK 233331107 35 375 SH   OTR 2 0 375 0
DANAHER CORP COMMON STOCK 235851102 182 2,322 SH   DFND 2 2,322 0 0
DANAHER CORP COMMON STOCK 235851102 24 312 SH   OTR 2 0 312 0
DANAHER CORP COMMON STOCK 235851102 15 190 SH   SOLE   190 0 0
DEERE & CO COMMON STOCK 244199105 94 1,105 SH   DFND 2 1,105 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 1,176 20,742 SH   DFND 2 20,742 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 1,134 20,000 SH   DFND 3 20,000 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 104 1,825 SH   SOLE   1,825 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 49 500 SH   SOLE   500 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,339 25,192 SH   DFND 2 25,192 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 532 5,727 SH   OTR 2 0 5,727 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,425 15,345 SH   DFND 3 15,345 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 251 2,700 SH   SOLE   2,700 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 9 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 634 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 403 7,779 SH   DFND 2 7,779 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 49 940 SH   OTR 2 0 940 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 10 200 SH   SOLE   200 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 414 6,178 SH   DFND 2 6,178 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 132 1,978 SH   OTR 2 0 1,978 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 12 175 SH   SOLE   175 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 5 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 152 4,613 SH   DFND 2 4,613 0 0
EBAY INC COMMON STOCK 278642103 7 200 SH   OTR 2 0 200 0
EBAY INC COMMON STOCK 278642103 3 100 SH   SOLE   100 0 0
ECOLAB INC COMMON STOCK 278865100 1,024 8,416 SH   DFND 2 8,416 0 0
ECOLAB INC COMMON STOCK 278865100 176 1,450 SH   OTR 2 0 1,450 0
ECOLAB INC COMMON STOCK 278865100 76 624 SH   SOLE   624 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 11 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 2 20 SH   DFND 2 20 0 0
EMERSON ELEC CO COMMON STOCK 291011104 278 5,098 SH   DFND 2 5,098 0 0
EMERSON ELEC CO COMMON STOCK 291011104 195 3,570 SH   OTR 2 0 3,570 0
EMERSON ELEC CO COMMON STOCK 291011104 14 250 SH   SOLE   250 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 26 944 SH   DFND 2 944 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 10 60 SH   DFND 2 60 0 0
FISERV INC COMMON STOCK 337738108 229 2,300 SH   DFND 2 2,300 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 26 801 SH   DFND 2 801 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 97 8,019 SH   DFND 2 8,019 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 51 4,200 SH   OTR 2 0 4,200 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 153 985 SH   DFND 2 985 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 32 208 SH   OTR 2 0 208 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,802 128,366 SH   DFND 2 128,366 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,324 44,714 SH   OTR 2 0 44,714 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,481 50,000 SH   DFND 3 50,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 293 9,904 SH   SOLE   9,904 0 0
GENERAL MLS INC COMMON STOCK 370334104 1,646 25,764 SH   DFND 2 25,764 0 0
GENERAL MLS INC COMMON STOCK 370334104 62 965 SH   OTR 2 0 965 0
GENERAL MLS INC COMMON STOCK 370334104 1,278 20,000 SH   DFND 3 20,000 0 0
GENERAL MLS INC COMMON STOCK 370334104 97 1,512 SH   SOLE   1,512 0 0
GENUINE PARTS CO COMMON STOCK 372460105 69 686 SH   DFND 2 686 0 0
GENUINE PARTS CO COMMON STOCK 372460105 1,256 12,500 SH   DFND 3 12,500 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,301 16,444 SH   DFND 2 16,444 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 145 1,830 SH   OTR 2 0 1,830 0
GILEAD SCIENCES INC COMMON STOCK 375558103 791 10,000 SH   DFND 3 10,000 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 136 1,716 SH   SOLE   1,716 0 0
GRAINGER W W INC COMMON STOCK 384802104 27 120 SH   DFND 2 120 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 227 6,388 SH   DFND 2 6,388 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 640 18,000 SH   DFND 3 18,000 0 0
HAIN CELESTIAL GROUP INC COMMON STOCK 405217100 39 1,105 SH   SOLE   1,105 0 0
HALLIBURTON CO COMMON STOCK 406216101 133 2,955 SH   DFND 2 2,955 0 0
HALLIBURTON CO COMMON STOCK 406216101 9 200 SH   OTR 2 0 200 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 58 1,100 SH   OTR 2 0 1,100 0
HARRIS CORP COMMON STOCK 413875105 0 1 SH   SOLE   1 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 32 470 SH   DFND 2 470 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 3 50 SH   SOLE   50 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 10 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 282 2,952 SH   DFND 2 2,952 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 10 105 SH   SOLE   105 0 0
HEXCEL CORP COMMON STOCK 428291108 34 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,008 15,601 SH   DFND 2 15,601 0 0
HOME DEPOT INC COMMON STOCK 437076102 295 2,290 SH   OTR 2 0 2,290 0
HOME DEPOT INC COMMON STOCK 437076102 211 1,642 SH   SOLE   1,642 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,721 14,759 SH   DFND 2 14,759 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 115 990 SH   OTR 2 0 990 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,166 10,000 SH   DFND 3 10,000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 150 1,284 SH   SOLE   1,284 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 59 490 SH   DFND 2 490 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 57 475 SH   SOLE   475 0 0
INTEL CORP COMMON STOCK 458140100 1,842 48,801 SH   DFND 2 48,801 0 0
INTEL CORP COMMON STOCK 458140100 443 11,735 SH   OTR 2 0 11,735 0
INTEL CORP COMMON STOCK 458140100 173 4,570 SH   SOLE   4,570 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2,196 13,824 SH   DFND 2 13,824 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,328 8,361 SH   OTR 2 0 8,361 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 147 923 SH   SOLE   923 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,486 10,395 SH   DFND 2 10,395 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 11 75 SH   OTR 2 0 75 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,144 8,000 SH   DFND 3 8,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 118 822 SH   SOLE   822 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 85 1,780 SH   DFND 2 1,780 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 24 500 SH   OTR 2 0 500 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 14 290 SH   SOLE   290 0 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 31 1,400 SH   SOLE   1,400 0 0
INTUIT INC COMMON STOCK 461202103 89 810 SH   OTR 2 0 810 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 19 160 SH   DFND 2 160 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 125 575 SH   DFND 2 575 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 244 1,120 SH   SOLE   1,120 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 7,662 68,154 SH   DFND 2 68,154 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 73 650 SH   OTR 2 0 650 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 281 2,501 SH   SOLE   2,501 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 12,888 344,136 SH   DFND 2 344,136 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 389 10,396 SH   OTR 2 0 10,396 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 37 990 SH   OTR   0 990 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 1,014 27,064 SH   SOLE   27,064 0 0
ISHARES S&P 500 GROWTH ETF OTHER 464287309 24 200 SH   SOLE   200 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 57 600 SH   DFND 2 600 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 147 1,550 SH   SOLE   1,550 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 416 4,894 SH   DFND 2 4,894 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 279 4,715 SH   DFND 2 4,715 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 31 525 SH   SOLE   525 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 336 1,930 SH   DFND 2 1,930 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 71 408 SH   SOLE   408 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 377 2,437 SH   DFND 2 2,437 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 445 3,584 SH   DFND 2 3,584 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 68 550 SH   SOLE   550 0 0
ISHARES AGENCY BOND ETF OTHER 464288166 46 400 SH   DFND 2 400 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 2,990 26,223 SH   DFND 2 26,223 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,148 10,071 SH   SOLE   10,071 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 163 1,446 SH   DFND 2 1,446 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 1,491 14,102 SH   DFND 2 14,102 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 53 500 SH   SOLE   500 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 67 1,695 SH   DFND 2 1,695 0 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 26 735 SH   DFND 2 735 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 43 823 SH   OTR 2 0 823 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 38 738 SH   DFND 2 738 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 4 75 SH   SOLE   75 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,747 31,717 SH   DFND 2 31,717 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,605 13,583 SH   OTR 2 0 13,583 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,772 15,000 SH   DFND 3 15,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 333 2,821 SH   SOLE   2,821 0 0
KELLOGG CO COMMON STOCK 487836108 144 1,855 SH   OTR 2 0 1,855 0
KELLOGG CO COMMON STOCK 487836108 12 150 SH   DFND 2 150 0 0
KEYCORP COMMON STOCK 493267108 12 1,012 SH   DFND 2 1,012 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 28 220 SH   DFND 2 220 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 6 50 SH   SOLE   50 0 0
KNIGHT TRANSPORTATION INC COMMON STOCK 499064103 15 525 SH   SOLE   525 0 0
KOHLS CORP COMMON STOCK 500255104 7 150 SH   DFND 2 150 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 205 2,286 SH   DFND 2 2,286 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 10 110 SH   OTR 2 0 110 0
KRAFT HEINZ CO COMMON STOCK 500754106 9 100 SH   SOLE   100 0 0
KROGER CO COMMON STOCK 501044101 10 325 SH   DFND 2 325 0 0
KROGER CO COMMON STOCK 501044101 1,039 35,000 SH   DFND 3 35,000 0 0
LILLY ELI & CO COMMON STOCK 532457108 266 3,310 SH   DFND 2 3,310 0 0
LILLY ELI & CO COMMON STOCK 532457108 201 2,500 SH   OTR 2 0 2,500 0
LILLY ELI & CO COMMON STOCK 532457108 5 62 SH   SOLE   62 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 87 364 SH   DFND 2 364 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 12 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107 340 4,706 SH   DFND 2 4,706 0 0
LOWES COS INC COMMON STOCK 548661107 213 2,950 SH   OTR 2 0 2,950 0
LOWES COS INC COMMON STOCK 548661107 20 280 SH   SOLE   280 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 10 400 SH   DFND 2 400 0 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 9 125 SH   DFND 2 125 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 788 11,702 SH   DFND 2 11,702 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 12 175 SH   OTR 2 0 175 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 80 1,188 SH   SOLE   1,188 0 0
MASCO CORP COMMON STOCK 574599106 1,409 41,065 SH   DFND 2 41,065 0 0
MASCO CORP COMMON STOCK 574599106 1,887 55,000 SH   DFND 3 55,000 0 0
MASCO CORP COMMON STOCK 574599106 69 2,007 SH   SOLE   2,007 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 10 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 710 6,153 SH   DFND 2 6,153 0 0
MCDONALDS CORP COMMON STOCK 580135101 309 2,675 SH   OTR 2 0 2,675 0
MCDONALDS CORP COMMON STOCK 580135101 91 790 SH   SOLE   790 0 0
MICROSOFT CORP COMMON STOCK 594918104 4,008 69,592 SH   DFND 2 69,592 0 0
MICROSOFT CORP COMMON STOCK 594918104 960 16,658 SH   OTR 2 0 16,658 0
MICROSOFT CORP COMMON STOCK 594918104 2,880 50,000 SH   DFND 3 50,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 352 6,118 SH   SOLE   6,118 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 40 650 SH   SOLE   650 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 10 230 SH   OTR 2 0 230 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 9 204 SH   DFND 2 204 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 14 325 SH   SOLE   325 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,323 41,269 SH   DFND 2 41,269 0 0
MORGAN STANLEY COMMON STOCK 617446448 72 2,250 SH   OTR 2 0 2,250 0
MORGAN STANLEY COMMON STOCK 617446448 1,924 60,000 SH   DFND 3 60,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 129 4,010 SH   SOLE   4,010 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 19 565 SH   DFND 2 565 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 59 1,800 SH   SOLE   1,800 0 0
NATIONAL FUEL GAS CO COMMON STOCK 636180101 16 300 SH   DFND 2 300 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 51 1,385 SH   DFND 2 1,385 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 28 750 SH   OTR 2 0 750 0
NIKE INC-CLASS B COMMON STOCK 654106103 289 5,495 SH   DFND 2 5,495 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 257 4,880 SH   OTR 2 0 4,880 0
NIKE INC-CLASS B COMMON STOCK 654106103 26 500 SH   SOLE   500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 73 750 SH   OTR 2 0 750 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 71 733 SH   DFND 2 733 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 29 300 SH   SOLE   300 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 11 50 SH   DFND 2 50 0 0
NUCOR CORP COMMON STOCK 670346105 8 165 SH   DFND 2 165 0 0
NUVEEN AMT-FREE QUALITY MUNI I OTHER 670657105 94 6,458 SH   DFND 2 6,458 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 34 460 SH   DFND 2 460 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 10 140 SH   SOLE   140 0 0
OLIN CORP COMMON STOCK 680665205 6 300 SH   DFND 2 300 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 51 490 SH   DFND 2 490 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 26 250 SH   OTR 2 0 250 0
PPG INDUSTRIES INC COMMON STOCK 693506107 4 40 SH   SOLE   40 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 51 625 SH   OTR 2 0 625 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 13 100 SH   DFND 2 100 0 0
PAYCHEX INC COMMON STOCK 704326107 312 5,385 SH   DFND 2 5,385 0 0
PAYCHEX INC COMMON STOCK 704326107 58 1,000 SH   OTR 2 0 1,000 0
PEPSICO INC COMMON STOCK 713448108 2,636 24,233 SH   DFND 2 24,233 0 0
PEPSICO INC COMMON STOCK 713448108 1,252 11,512 SH   OTR 2 0 11,512 0
PEPSICO INC COMMON STOCK 713448108 1,545 14,200 SH   DFND 3 14,200 0 0
PEPSICO INC COMMON STOCK 713448108 224 2,063 SH   SOLE   2,063 0 0
PFIZER INC COMMON STOCK 717081103 2,789 82,332 SH   DFND 2 82,332 0 0
PFIZER INC COMMON STOCK 717081103 592 17,489 SH   OTR 2 0 17,489 0
PFIZER INC COMMON STOCK 717081103 1,761 52,000 SH   DFND 3 52,000 0 0
PFIZER INC COMMON STOCK 717081103 139 4,101 SH   SOLE   4,101 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 925 9,516 SH   DFND 2 9,516 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 20 203 SH   OTR 2 0 203 0
PHILLIPS 66 COMMON STOCK 718546104 878 10,905 SH   DFND 2 10,905 0 0
PHILLIPS 66 COMMON STOCK 718546104 12 150 SH   OTR 2 0 150 0
PHILLIPS 66 COMMON STOCK 718546104 1,611 20,000 SH   DFND 3 20,000 0 0
PHILLIPS 66 COMMON STOCK 718546104 112 1,390 SH   SOLE   1,390 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 11 190 SH   DFND 2 190 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 1,227 834 SH   DFND 2 834 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 107 73 SH   SOLE   73 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,777 30,938 SH   DFND 2 30,938 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 712 7,934 SH   OTR 2 0 7,934 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,391 15,500 SH   DFND 3 15,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 202 2,248 SH   SOLE   2,248 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 292 3,576 SH   DFND 2 3,576 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 53 650 SH   OTR 2 0 650 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 27 325 SH   SOLE   325 0 0
QUALCOMM INC COMMON STOCK 747525103 16 240 SH   DFND 2 240 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 17 125 SH   DFND 2 125 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 4 30 SH   SOLE   30 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 20 111 SH   DFND 2 111 0 0
ROSS STORES INC COMMON STOCK 778296103 27 420 SH   DFND 2 420 0 0
ROSS STORES INC COMMON STOCK 778296103 39 600 SH   SOLE   600 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 50 1,000 SH   DFND 2 1,000 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 213 2,670 SH   DFND 2 2,670 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 13 165 SH   SOLE   165 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 788 10,024 SH   DFND 2 10,024 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 39 500 SH   OTR 2 0 500 0
SCHLUMBERGER LTD COMMON STOCK 806857108 786 10,000 SH   DFND 3 10,000 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 120 1,524 SH   SOLE   1,524 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 24 770 SH   DFND 2 770 0 0
SEMPRA ENERGY COMMON STOCK 816851109 241 2,245 SH   DFND 2 2,245 0 0
SEMPRA ENERGY COMMON STOCK 816851109 56 525 SH   OTR 2 0 525 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 33 120 SH   DFND 2 120 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 187 905 SH   DFND 2 905 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 62 300 SH   OTR 2 0 300 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 10 50 SH   SOLE   50 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 22 225 SH   DFND 2 225 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 31 608 SH   OTR 2 0 608 0
SOUTHERN COMPANY COMMON STOCK 842587107 16 315 SH   DFND 2 315 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1,041 26,758 SH   DFND 2 26,758 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 10 250 SH   OTR 2 0 250 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1,556 40,000 SH   DFND 3 40,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 61 1,574 SH   SOLE   1,574 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,623 29,984 SH   DFND 2 29,984 0 0
STARBUCKS CORP COMMON STOCK 855244109 102 1,885 SH   OTR 2 0 1,885 0
STARBUCKS CORP COMMON STOCK 855244109 541 10,000 SH   DFND 3 10,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 152 2,800 SH   SOLE   2,800 0 0
STRYKER CORPORATION COMMON STOCK 863667101 512 4,401 SH   DFND 2 4,401 0 0
STRYKER CORPORATION COMMON STOCK 863667101 132 1,135 SH   OTR 2 0 1,135 0
STRYKER CORPORATION COMMON STOCK 863667101 873 7,500 SH   DFND 3 7,500 0 0
STRYKER CORPORATION COMMON STOCK 863667101 69 595 SH   SOLE   595 0 0
STURM RUGER & CO INC COMMON STOCK 864159108 20 350 SH   DFND 2 350 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 4 135 SH   DFND 2 135 0 0
SYSCO CORP COMMON STOCK 871829107 25 500 SH   DFND 2 500 0 0
TJX COS INC COMMON STOCK 872540109 981 13,114 SH   DFND 2 13,114 0 0
TJX COS INC COMMON STOCK 872540109 122 1,630 SH   OTR 2 0 1,630 0
TJX COS INC COMMON STOCK 872540109 122 1,634 SH   SOLE   1,634 0 0
TESORO CORPORATION COMMON STOCK 881609101 10 125 SH   DFND 2 125 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 30 660 SH   DFND 2 660 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 48 300 SH   OTR 2 0 300 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 6 40 SH   DFND 2 40 0 0
THOMSON CORP COMMON STOCK 884903105 4 100 SH   DFND 2 100 0 0
TIME WARNER INC COMMON STOCK 887317303 353 4,433 SH   DFND 2 4,433 0 0
TIME WARNER INC COMMON STOCK 887317303 92 1,150 SH   OTR 2 0 1,150 0
TIME WARNER INC COMMON STOCK 887317303 1,194 15,000 SH   DFND 3 15,000 0 0
TIME WARNER INC COMMON STOCK 887317303 4 45 SH   SOLE   45 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 23 300 SH   DFND 2 300 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 270 6,086 SH   DFND 2 6,086 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 93 2,084 SH   OTR 2 0 2,084 0
US BANCORP NEW COMMON STOCK 902973304 1,306 30,445 SH   DFND 2 30,445 0 0
US BANCORP NEW COMMON STOCK 902973304 190 4,425 SH   OTR 2 0 4,425 0
US BANCORP NEW COMMON STOCK 902973304 1,385 32,300 SH   DFND 3 32,300 0 0
US BANCORP NEW COMMON STOCK 902973304 160 3,720 SH   SOLE   3,720 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,236 31,956 SH   DFND 2 31,956 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 38 970 SH   OTR 2 0 970 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,760 45,500 SH   DFND 3 45,500 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 99 2,565 SH   SOLE   2,565 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 321 9,494 SH   DFND 2 9,494 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 22 643 SH   OTR 2 0 643 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 1,185 35,000 SH   DFND 3 35,000 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 34 1,000 SH   SOLE   1,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,447 14,838 SH   DFND 2 14,838 0 0
UNION PAC CORP COMMON STOCK 907818108 51 520 SH   OTR 2 0 520 0
UNION PAC CORP COMMON STOCK 907818108 975 10,000 SH   DFND 3 10,000 0 0
UNION PAC CORP COMMON STOCK 907818108 81 826 SH   SOLE   826 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 408 3,732 SH   DFND 2 3,732 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 101 925 SH   OTR 2 0 925 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 984 9,000 SH   DFND 3 9,000 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 36 325 SH   SOLE   325 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,404 13,816 SH   DFND 2 13,816 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 836 8,230 SH   OTR 2 0 8,230 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 71 700 SH   SOLE   700 0 0
VANGUARD REIT ETF OTHER 922908553 72 825 SH   DFND 2 825 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 1,146 10,076 SH   DFND 2 10,076 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 11 100 SH   OTR 2 0 100 0
VULCAN MATERIALS CO COMMON STOCK 929160109 1,422 12,500 SH   DFND 3 12,500 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 116 1,018 SH   SOLE   1,018 0 0
WAL MART STORES INC COMMON STOCK 931142103 260 3,602 SH   DFND 2 3,602 0 0
WAL MART STORES INC COMMON STOCK 931142103 47 650 SH   OTR 2 0 650 0
WAL MART STORES INC COMMON STOCK 931142103 1,623 22,500 SH   DFND 3 22,500 0 0
WAL MART STORES INC COMMON STOCK 931142103 58 800 SH   SOLE   800 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 6 70 SH   DFND 2 70 0 0
WELLS FARGO & CO COMMON STOCK 949746101 2,292 51,758 SH   DFND 2 51,758 0 0
WELLS FARGO & CO COMMON STOCK 949746101 332 7,495 SH   OTR 2 0 7,495 0
WELLS FARGO & CO COMMON STOCK 949746101 1,328 30,000 SH   DFND 3 30,000 0 0
WELLS FARGO & CO COMMON STOCK 949746101 205 4,621 SH   SOLE   4,621 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 7 230 SH   DFND 2 230 0 0
WHITEWAVE FOODS CO CL A COMMON STOCK 966244105 8 155 SH   DFND 2 155 0 0
WHITEWAVE FOODS CO CL A COMMON STOCK 966244105 3 55 SH   SOLE   55 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 6 200 SH   DFND 2 200 0 0
WYNN RESORTS LTD COMMON STOCK 983134107 24 250 SH   DFND 2 250 0 0
YAHOO INC COMMON STOCK 984332106 4 100 SH   SOLE   100 0 0
YUM! BRANDS INC COMMON STOCK 988498101 65 720 SH   DFND 2 720 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 571 7,072 SH   DFND 2 7,072 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 4 50 SH   OTR 2 0 50 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 1,616 20,000 SH   DFND 3 20,000 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 17 211 SH   SOLE   211 0 0
TARGET CORP COMMON STOCK 87612E106 23 328 SH   DFND 2 328 0 0
TARGET CORP COMMON STOCK 87612E106 9 125 SH   OTR 2 0 125 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 112 980 SH   DFND 2 980 0 0
AT&T INC COMMON STOCK 00206R102 954 23,492 SH   DFND 2 23,492 0 0
AT&T INC COMMON STOCK 00206R102 151 3,719 SH   OTR 2 0 3,719 0
AT&T INC COMMON STOCK 00206R102 52 1,276 SH   SOLE   1,276 0 0
ABBVIE INC COMMON STOCK 00287Y109 489 7,761 SH   DFND 2 7,761 0 0
ABBVIE INC COMMON STOCK 00287Y109 196 3,100 SH   OTR 2 0 3,100 0
ABBVIE INC COMMON STOCK 00287Y109 17 275 SH   SOLE   275 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,218 27,500 SH   DFND 3 27,500 0 0
ADOBE SYS INC COMMON STOCK 00724F101 30 280 SH   DFND 2 280 0 0
AETNA INC COMMON STOCK 00817Y108 513 4,445 SH   DFND 2 4,445 0 0
AETNA INC COMMON STOCK 00817Y108 21 185 SH   SOLE   185 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 21 1,629 SH   DFND 2 1,629 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 865 1,113 SH   DFND 2 1,113 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 124 160 SH   OTR 2 0 160 0
ALPHABET INC CL C COMMON STOCK 02079K107 2,915 3,750 SH   DFND 3 3,750 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 52 67 SH   SOLE   67 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 4,289 5,334 SH   DFND 2 5,334 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 367 457 SH   OTR 2 0 457 0
ALPHABET INC CL A COMMON STOCK 02079K305 3,216 4,000 SH   DFND 3 4,000 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 467 581 SH   SOLE   581 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 553 8,752 SH   DFND 2 8,752 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 20 318 SH   OTR 2 0 318 0
ALTRIA GROUP INC COMMON STOCK 02209S103 40 629 SH   SOLE   629 0 0
AMBEV SA SPONS ADR COMMON STOCK 02319V103 6 1,000 SH   SOLE   1,000 0 0
AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 8 80 SH   DFND 2 80 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 44 1,457 SH   DFND 2 1,457 0 0
BIOGEN INC COMMON STOCK 09062X103 45 145 SH   DFND 2 145 0 0
BIOGEN INC COMMON STOCK 09062X103 20 65 SH   OTR 2 0 65 0
BIOGEN INC COMMON STOCK 09062X103 1,878 6,000 SH   DFND 3 6,000 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,233 3,401 SH   DFND 2 3,401 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,294 3,570 SH   DFND 3 3,570 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 103 285 SH   SOLE   285 0 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 18 700 SH   DFND 2 700 0 0
CA INC COMMON STOCK 12673P105 7 200 SH   DFND 2 200 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 363 5,060 SH   DFND 2 5,060 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1,437 20,000 SH   DFND 3 20,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 96 1,335 SH   SOLE   1,335 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 184 2,370 SH   DFND 2 2,370 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 31 400 SH   OTR 2 0 400 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108 13 48 SH   DFND 2 48 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 388 12,235 SH   DFND 2 12,235 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 88 2,785 SH   OTR 2 0 2,785 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 21 650 SH   SOLE   650 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 55 829 SH   DFND 2 829 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 13 200 SH   OTR 2 0 200 0
COMMUNICATIONS SALES & LEASING COMMON STOCK 20341J104 15 465 SH   DFND 2 465 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,075 24,735 SH   DFND 2 24,735 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 54 1,246 SH   OTR 2 0 1,246 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,076 24,750 SH   DFND 3 24,750 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 67 1,533 SH   SOLE   1,533 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 632 3,796 SH   DFND 2 3,796 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 26 155 SH   SOLE   155 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 519 3,402 SH   DFND 2 3,402 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 64 420 SH   OTR 2 0 420 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,525 10,000 SH   DFND 3 10,000 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 108 707 SH   SOLE   707 0 0
DELL TECHNOLOGIES INC CL V COMMON STOCK 24703L103 1 11 SH   DFND 2 11 0 0
DISCOVERY COMMUNICATIONS CL A COMMON STOCK 25470F104 635 23,590 SH   DFND 2 23,590 0 0
DISCOVERY COMMUNICATIONS CL A COMMON STOCK 25470F104 28 1,045 SH   SOLE   1,045 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 317 4,264 SH   DFND 2 4,264 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 52 700 SH   OTR 2 0 700 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 36 480 SH   SOLE   480 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 1,898 12,500 SH   DFND 3 12,500 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 57 717 SH   OTR 2 0 717 0
DUKE ENERGY CORP COMMON STOCK 26441C204 42 521 SH   DFND 2 521 0 0
EOG RES INC COMMON STOCK 26875P101 764 7,904 SH   DFND 2 7,904 0 0
EOG RES INC COMMON STOCK 26875P101 3 35 SH   OTR 2 0 35 0
EOG RES INC COMMON STOCK 26875P101 484 5,000 SH   DFND 3 5,000 0 0
EOG RES INC COMMON STOCK 26875P101 56 582 SH   SOLE   582 0 0
EQT CORPORATION COMMON STOCK 26884L109 16 226 SH   DFND 2 226 0 0
EQUITY RESIDENTIAL REIT COMMON STOCK 29476L107 600 9,327 SH   DFND 2 9,327 0 0
EQUITY RESIDENTIAL REIT COMMON STOCK 29476L107 11 165 SH   OTR 2 0 165 0
EQUITY RESIDENTIAL REIT COMMON STOCK 29476L107 18 275 SH   SOLE   275 0 0
EXELON CORP COMMON STOCK 30161N101 9 280 SH   DFND 2 280 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 279 3,950 SH   DFND 2 3,950 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 46 648 SH   OTR 2 0 648 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 17 234 SH   SOLE   234 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 3,191 36,560 SH   DFND 2 36,560 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,355 15,522 SH   OTR 2 0 15,522 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,484 17,000 SH   DFND 3 17,000 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 382 4,380 SH   SOLE   4,380 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,763 13,741 SH   DFND 2 13,741 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 5,131 40,000 SH   DFND 3 40,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 182 1,415 SH   SOLE   1,415 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 785 4,495 SH   DFND 2 4,495 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 2,009 11,500 SH   DFND 3 11,500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 122 700 SH   SOLE   700 0 0
FNF GROUP COMMON STOCK 31620R303 111 3,000 SH   DFND 2 3,000 0 0
FNFV GROUP COMMON STOCK 31620R402 12 998 SH   DFND 2 998 0 0
FITBIT INC CL A COMMON STOCK 33812L102 1 100 SH   DFND 2 100 0 0
FORTIVE CORP COMMON STOCK 34959J108 4 88 SH   OTR 2 0 88 0
FORTIVE CORP COMMON STOCK 34959J108 4 82 SH   DFND 2 82 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 23 400 SH   DFND 2 400 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 26 1,350 SH   DFND 2 1,350 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 56 1,750 SH   DFND 2 1,750 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,300 8,062 SH   DFND 2 8,062 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 53 330 SH   OTR 2 0 330 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,613 10,000 SH   DFND 3 10,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 110 681 SH   SOLE   681 0 0
HP INC COMMON STOCK 40434L105 140 9,023 SH   OTR 2 0 9,023 0
JOHN HANCOCK PFD INCOME III OTHER 41021P103 18 948 SH   DFND 2 948 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 205 9,023 SH   OTR 2 0 9,023 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 4 260 SH   DFND 2 260 0 0
INGEVITY CORP COMMON STOCK 45688C107 1 16 SH   DFND 2 16 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 544 2,020 SH   DFND 2 2,020 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,077 4,000 SH   DFND 3 4,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 13 50 SH   SOLE   50 0 0
INTERVAL LEISURE GROUP INC COMMON STOCK 46113M108 0 21 SH   DFND 2 21 0 0
ISHARES SILVER TRUST OTHER 46428Q109 30 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 2,758 41,418 SH   DFND 2 41,418 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 568 8,530 SH   OTR 2 0 8,530 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,131 32,000 SH   DFND 3 32,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 279 4,191 SH   SOLE   4,191 0 0
KADANT INC COMMON STOCK 48282T104 42 809 SH   DFND 2 809 0 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   DFND 2 120 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 8 200 SH   DFND 2 200 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 38 375 SH   DFND 2 375 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 10 100 SH   SOLE   100 0 0
MCKESSON CORP COMMON STOCK 58155Q103 17 100 SH   DFND 2 100 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,277 36,487 SH   DFND 2 36,487 0 0
MERCK & CO INC COMMON STOCK 58933Y105 484 7,750 SH   OTR 2 0 7,750 0
MERCK & CO INC COMMON STOCK 58933Y105 1,741 27,900 SH   DFND 3 27,900 0 0
MERCK & CO INC COMMON STOCK 58933Y105 197 3,155 SH   SOLE   3,155 0 0
METLIFE INC COMMON STOCK 59156R108 126 2,830 SH   DFND 2 2,830 0 0
METLIFE INC COMMON STOCK 59156R108 13 290 SH   OTR 2 0 290 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 11 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 7 65 SH   DFND 2 65 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 7 300 SH   DFND 2 300 0 0
NETFLIX INC COMMON STOCK 64110L106 1,450 14,716 SH   DFND 2 14,716 0 0
NETFLIX INC COMMON STOCK 64110L106 4 40 SH   OTR 2 0 40 0
NETFLIX INC COMMON STOCK 64110L106 1,774 18,000 SH   DFND 3 18,000 0 0
NETFLIX INC COMMON STOCK 64110L106 145 1,472 SH   SOLE   1,472 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 12 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,383 11,305 SH   DFND 2 11,305 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 127 1,040 SH   OTR 2 0 1,040 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 612 5,000 SH   DFND 3 5,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 117 953 SH   SOLE   953 0 0
NISOURCE INC COMMON STOCK 65473P105 2 100 SH   DFND 2 100 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 55 700 SH   DFND 2 700 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,867 47,519 SH   DFND 2 47,519 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 257 6,540 SH   OTR 2 0 6,540 0
ORACLE CORPORATION COMMON STOCK 68389X105 153 3,896 SH   SOLE   3,896 0 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 6 30 SH   DFND 2 30 0 0
PARAMOUNT GOLD NEVADA CORP COMMON STOCK 69924M109 0 2 SH   OTR 2 0 2 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,826 44,570 SH   DFND 2 44,570 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 20 500 SH   OTR 2 0 500 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,024 25,000 SH   DFND 3 25,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 135 3,300 SH   SOLE   3,300 0 0
PIMCO NEW YORK MUNICIPAL II OTHER 72200Y102 81 6,000 SH   DFND 2 6,000 0 0
PRAXAIR INC COMMON STOCK 74005P104 179 1,484 SH   DFND 2 1,484 0 0
PRAXAIR INC COMMON STOCK 74005P104 34 278 SH   OTR 2 0 278 0
PRAXAIR INC COMMON STOCK 74005P104 10 80 SH   SOLE   80 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 307 4,620 SH   DFND 2 4,620 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 228 3,435 SH   OTR 2 0 3,435 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 40 597 SH   SOLE   597 0 0
PRIMERO MINING CORP COMMON STOCK 74164W106 0 1 SH   OTR 2 0 1 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 631 2,828 SH   DFND 2 2,828 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 40 180 SH   SOLE   180 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 55 650 SH   OTR 2 0 650 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 15 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,924 36,632 SH   DFND 2 36,632 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 74 340 SH   OTR 2 0 340 0
SPDR GOLD TRUST OTHER 78463V107 21 166 SH   DFND 2 166 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 119 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 702 6,672 SH   DFND 2 6,672 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 401 3,891 SH   DFND 2 3,891 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 75 SH   DFND 2 75 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 31 420 SH   DFND 2 420 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 29 263 SH   DFND 2 263 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 164 1,285 SH   DFND 2 1,285 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 184 652 SH   DFND 2 652 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,597 22,387 SH   DFND 2 22,387 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,140 30,000 SH   DFND 3 30,000 0 0
SALESFORCE.COM COMMON STOCK 79466L302 156 2,186 SH   SOLE   2,186 0 0
SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH   OTR 2 0 2 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 164 3,427 SH   OTR 2 0 3,427 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 56 1,169 SH   DFND 2 1,169 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 6 125 SH   SOLE   125 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 663 9,201 SH   OTR 2 0 9,201 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 267 3,700 SH   DFND 2 3,700 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 470 8,841 SH   OTR 2 0 8,841 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 91 1,709 SH   DFND 2 1,709 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 722 9,016 SH   OTR 2 0 9,016 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 206 2,575 SH   DFND 2 2,575 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 394 5,580 SH   OTR 2 0 5,580 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 144 2,046 SH   DFND 2 2,046 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 616 31,894 SH   OTR 2 0 31,894 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 270 14,015 SH   DFND 2 14,015 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 448 7,666 SH   OTR 2 0 7,666 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 169 2,897 SH   DFND 2 2,897 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,211 25,338 SH   OTR 2 0 25,338 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 186 3,901 SH   DFND 2 3,901 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 145 4,437 SH   OTR 2 0 4,437 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 64 1,947 SH   DFND 2 1,947 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 102 2,088 SH   OTR 2 0 2,088 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 66 1,345 SH   DFND 2 1,345 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 5 100 SH   SOLE   100 0 0
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 48 248 SH   OTR 2 0 248 0
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 18 92 SH   DFND 2 92 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 509 2,493 SH   DFND 2 2,493 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 1,428 7,000 SH   DFND 3 7,000 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 23 115 SH   SOLE   115 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 2 100 SH   DFND 2 100 0 0
3M CO COMMON STOCK 88579Y101 926 5,253 SH   DFND 2 5,253 0 0
3M CO COMMON STOCK 88579Y101 772 4,378 SH   OTR 2 0 4,378 0
3M CO COMMON STOCK 88579Y101 116 660 SH   SOLE   660 0 0
TWITTER INC COMMON STOCK 90184L102 692 30,000 SH   DFND 3 30,000 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 25 1,260 SH   DFND 2 1,260 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 12 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 318 2,270 SH   DFND 2 2,270 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 36 255 SH   OTR 2 0 255 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,750 12,500 SH   DFND 3 12,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 162 1,155 SH   SOLE   1,155 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 30 575 SH   DFND 2 575 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 38 725 SH   SOLE   725 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 29 250 SH   DFND 2 250 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,531 29,454 SH   DFND 2 29,454 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 216 4,157 SH   OTR 2 0 4,157 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 260 5,000 SH   DFND 3 5,000 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 127 2,446 SH   SOLE   2,446 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 26 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 75 1,960 SH   OTR 2 0 1,960 0
VIACOM INC-B COMMON STOCK 92553P201 15 395 SH   DFND 2 395 0 0
VISA INC CL A COMMON STOCK 92826C839 2,806 33,925 SH   DFND 2 33,925 0 0
VISA INC CL A COMMON STOCK 92826C839 103 1,244 SH   OTR 2 0 1,244 0
VISA INC CL A COMMON STOCK 92826C839 4,962 60,000 SH   DFND 3 60,000 0 0
VISA INC CL A COMMON STOCK 92826C839 289 3,499 SH   SOLE   3,499 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 30 500 SH   DFND 2 500 0 0
WESTROCK CO COMMON STOCK 96145D105 5 99 SH   DFND 2 99 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 7 684 SH   DFND 2 684 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 257 1,975 SH   DFND 2 1,975 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 49 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 10 75 SH   SOLE   75 0 0
ALLERGAN PLC COMMON STOCK G0177J108 296 1,287 SH   DFND 2 1,287 0 0
ALLERGAN PLC COMMON STOCK G0177J108 40 172 SH   SOLE   172 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 312 2,555 SH   DFND 2 2,555 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 12 100 SH   OTR 2 0 100 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 42 340 SH   SOLE   340 0 0
EATON CORP PLC COMMON STOCK G29183103 82 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 17 246 SH   DFND 2 246 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 4 62 SH   SOLE   62 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 33 710 SH   DFND 2 710 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 4 83 SH   OTR 2 0 83 0
MEDTRONIC PLC COMMON STOCK G5960L103 430 4,972 SH   DFND 2 4,972 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 197 2,282 SH   OTR 2 0 2,282 0
MEDTRONIC PLC COMMON STOCK G5960L103 18 205 SH   SOLE   205 0 0
TILL CAPITAL LTD COMMON STOCK G8875E107 0 1 SH   OTR 2 0 1 0
TRANSOCEAN LTD COMMON STOCK H8817H100 11 1,000 SH   OTR 2 0 1,000 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,609 20,738 SH   DFND 2 20,738 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 144 1,861 SH   SOLE   1,861 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 5 200 SH   DFND 2 200 0 0
MYLAN NV COMMON STOCK N59465109 11 300 SH   DFND 2 300 0 0
MYLAN NV COMMON STOCK N59465109 4 100 SH   SOLE   100 0 0