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 498 10,237 SH   DFND 2 10,237 0 0
ABBOTT LABS COMMON STOCK 002824100 17 343 SH   SOLE   343 0 0
ABBOTT LABS COMMON STOCK 002824100 106 2,175 SH   OTR 2 0 2,175 0
BARRICK GOLD CORP COMMON STOCK 006790110 82 100 SH   DFND 2 100 0 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 12 75 SH   DFND 2 75 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 32 225 SH   DFND 2 225 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 19 135 SH   OTR 2 0 135 0
ALCOA CORP COMMON STOCK 013872106 5 150 SH   DFND 2 150 0 0
ALLIANT CORP COMMON STOCK 018802108 71 1,775 SH   DFND 2 1,775 0 0
ALLSTATE CORP COMMON STOCK 020002101 49 553 SH   OTR 2 0 553 0
AMAZON.COM INC COMMON STOCK 023135106 3,740 3,864 SH   DFND 2 3,864 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,292 6,500 SH   DFND 3 6,500 0 0
AMAZON.COM INC COMMON STOCK 023135106 381 394 SH   SOLE   394 0 0
AMAZON.COM INC COMMON STOCK 023135106 173 179 SH   OTR 2 0 179 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 69 994 SH   DFND 2 994 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 665 7,896 SH   DFND 2 7,896 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 61 729 SH   SOLE   729 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 207 2,455 SH   OTR 2 0 2,455 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,118 17,890 SH   DFND 2 17,890 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 48 775 SH   SOLE   775 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 25 400 SH   OTR 2 0 400 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 21 270 SH   DFND 2 270 0 0
AMGEN INC COMMON STOCK 031162100 2,072 12,033 SH   DFND 2 12,033 0 0
AMGEN INC COMMON STOCK 031162100 2,153 12,500 SH   DFND 3 12,500 0 0
AMGEN INC COMMON STOCK 031162100 227 1,320 SH   SOLE   1,320 0 0
AMGEN INC COMMON STOCK 031162100 69 400 SH   OTR 2 0 400 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 130 SH   DFND 2 130 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 14 175 SH   SOLE   175 0 0
APACHE CORP COMMON STOCK 037411105 7 150 SH   DFND 2 150 0 0
APACHE CORP COMMON STOCK 037411105 1 25 SH   SOLE   25 0 0
APPLE INC COMMON STOCK 037833100 6,352 44,104 SH   DFND 2 44,104 0 0
APPLE INC COMMON STOCK 037833100 5,761 40,000 SH   DFND 3 40,000 0 0
APPLE INC COMMON STOCK 037833100 699 4,855 SH   SOLE   4,855 0 0
APPLE INC COMMON STOCK 037833100 567 3,938 SH   OTR 2 0 3,938 0
APPLIED MATERIALS INC COMMON STOCK 038222105 168 4,065 SH   DFND 2 4,065 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH   DFND 2 200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 43,085 1,361,305 SH   DFND 2 1,361,305 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 594 18,767 SH   SOLE   18,767 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 588 18,574 SH   OTR 2 0 18,574 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 233 2,270 SH   DFND 2 2,270 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 48 468 SH   SOLE   468 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 425 4,150 SH   OTR 2 0 4,150 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 6 30 SH   DFND 2 30 0 0
BB&T CORPORATION COMMON STOCK 054937107 67 1,485 SH   DFND 2 1,485 0 0
BB&T CORPORATION COMMON STOCK 054937107 1,135 25,000 SH   DFND 3 25,000 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 74 2,122 SH   DFND 2 2,122 0 0
BAKER HUGHES INC COMMON STOCK 057224107 541 9,930 SH   DFND 2 9,930 0 0
BAKER HUGHES INC COMMON STOCK 057224107 21 391 SH   SOLE   391 0 0
BAKER HUGHES INC COMMON STOCK 057224107 3 55 SH   OTR 2 0 55 0
BANK OF AMERICA CORP COMMON STOCK 060505104 320 13,200 SH   DFND 2 13,200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,435 100,385 SH   DFND 3 100,385 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 160 6,600 SH   SOLE   6,600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 35 1,459 SH   OTR 2 0 1,459 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 271 5,305 SH   DFND 2 5,305 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 10 190 SH   SOLE   190 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 75 1,475 SH   OTR 2 0 1,475 0
BARD CR INC COMMON STOCK 067383109 57 180 SH   DFND 2 180 0 0
BAXTER INTL INC COMMON STOCK 071813109 107 1,770 SH   DFND 2 1,770 0 0
BAXTER INTL INC COMMON STOCK 071813109 124 2,050 SH   OTR 2 0 2,050 0
BECTON DICKINSON COMMON STOCK 075887109 38 195 SH   DFND 2 195 0 0
BECTON DICKINSON COMMON STOCK 075887109 56 285 SH   OTR 2 0 285 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,978 17,585 SH   DFND 2 17,585 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,694 10,000 SH   DFND 3 10,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 222 1,311 SH   SOLE   1,311 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 241 1,425 SH   OTR 2 0 1,425 0
BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH   DFND 2 12 0 0
BOEING CO COMMON STOCK 097023105 350 1,770 SH   DFND 2 1,770 0 0
BOEING CO COMMON STOCK 097023105 10 50 SH   SOLE   50 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,611 28,916 SH   DFND 2 28,916 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 167 2,994 SH   SOLE   2,994 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 124 2,225 SH   OTR 2 0 2,225 0
BRUNSWICK CORP COMMON STOCK 117043109 13 200 SH   DFND 2 200 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 3 45 SH   DFND 2 45 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 32 500 SH   OTR 2 0 500 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 6 50 SH   DFND 2 50 0 0
CSX CORP COMMON STOCK 126408103 10 180 SH   DFND 2 180 0 0
CVS HEALTH CORP COMMON STOCK 126650100 940 11,687 SH   DFND 2 11,687 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,287 16,000 SH   DFND 3 16,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 22 275 SH   SOLE   275 0 0
CVS HEALTH CORP COMMON STOCK 126650100 31 390 SH   OTR 2 0 390 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 16 200 SH   SOLE   200 0 0
CARNIVAL CORP COMMON STOCK 143658300 79 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 249 2,318 SH   DFND 2 2,318 0 0
CATERPILLAR INC COMMON STOCK 149123101 188 1,750 SH   OTR 2 0 1,750 0
CELGENE CORP COMMON STOCK 151020104 1,425 10,975 SH   DFND 2 10,975 0 0
CELGENE CORP COMMON STOCK 151020104 1,429 11,000 SH   DFND 3 11,000 0 0
CELGENE CORP COMMON STOCK 151020104 113 872 SH   SOLE   872 0 0
CELGENE CORP COMMON STOCK 151020104 110 850 SH   OTR 2 0 850 0
CERNER CORP COMMON STOCK 156782104 746 11,220 SH   DFND 2 11,220 0 0
CERNER CORP COMMON STOCK 156782104 37 551 SH   SOLE   551 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 40 800 SH   DFND 2 800 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 0 100 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 12 155 SH   DFND 2 155 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,201 21,100 SH   DFND 2 21,100 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,304 12,500 SH   DFND 3 12,500 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 188 1,798 SH   SOLE   1,798 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 545 5,224 SH   OTR 2 0 5,224 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 2 4 SH   DFND 2 4 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 1,040 2,500 SH   DFND 3 2,500 0 0
CITIGROUP INC COMMON STOCK 172967424 44 660 SH   DFND 2 660 0 0
CITIGROUP INC COMMON STOCK 172967424 67 1,000 SH   SOLE   1,000 0 0
CITIGROUP INC COMMON STOCK 172967424 16 236 SH   OTR 2 0 236 0
CLOROX COMPANY COMMON STOCK 189054109 90 672 SH   DFND 2 672 0 0
CLOROX COMPANY COMMON STOCK 189054109 27 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 1,539 34,306 SH   DFND 2 34,306 0 0
COCA COLA CO COMMON STOCK 191216100 142 3,162 SH   SOLE   3,162 0 0
COCA COLA CO COMMON STOCK 191216100 81 1,805 SH   OTR 2 0 1,805 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 22 330 SH   DFND 2 330 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 453 6,107 SH   DFND 2 6,107 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 64 870 SH   SOLE   870 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 506 6,830 SH   OTR 2 0 6,830 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 362 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 11 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 76 939 SH   DFND 2 939 0 0
CORNING INC COMMON STOCK 219350105 27 900 SH   DFND 2 900 0 0
CUMMINS INC COMMON STOCK 231021106 1,013 6,243 SH   DFND 2 6,243 0 0
CUMMINS INC COMMON STOCK 231021106 1,298 8,000 SH   DFND 3 8,000 0 0
CUMMINS INC COMMON STOCK 231021106 37 227 SH   SOLE   227 0 0
CUMMINS INC COMMON STOCK 231021106 6 35 SH   OTR 2 0 35 0
DTE ENERGY CO COMMON STOCK 233331107 44 415 SH   OTR 2 0 415 0
DANAHER CORP COMMON STOCK 235851102 160 1,898 SH   DFND 2 1,898 0 0
DANAHER CORP COMMON STOCK 235851102 16 190 SH   SOLE   190 0 0
DANAHER CORP COMMON STOCK 235851102 15 176 SH   OTR 2 0 176 0
DEERE & CO COMMON STOCK 244199105 125 1,010 SH   DFND 2 1,010 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 670 16,834 SH   DFND 2 16,834 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 70 1,750 SH   SOLE   1,750 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 16 400 SH   OTR 2 0 400 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 46 406 SH   SOLE   406 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,895 27,247 SH   DFND 2 27,247 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 235 2,216 SH   SOLE   2,216 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 188 1,770 SH   OTR 2 0 1,770 0
DISCOVER FINL SVCS COMMON STOCK 254709108 29 466 SH   OTR 2 0 466 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 9 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 561 8,030 SH   DFND 2 8,030 0 0
DONALDSON INC COMMON STOCK 257651109 10 210 SH   DFND 2 210 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 464 7,349 SH   DFND 2 7,349 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 13 200 SH   SOLE   200 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 59 940 SH   OTR 2 0 940 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 577 7,155 SH   DFND 2 7,155 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 14 175 SH   SOLE   175 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 44 550 SH   OTR 2 0 550 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 6 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 97 2,790 SH   DFND 2 2,790 0 0
EBAY INC COMMON STOCK 278642103 3 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 7 200 SH   OTR 2 0 200 0
ECOLAB INC COMMON STOCK 278865100 769 5,795 SH   DFND 2 5,795 0 0
ECOLAB INC COMMON STOCK 278865100 66 494 SH   SOLE   494 0 0
ECOLAB INC COMMON STOCK 278865100 189 1,425 SH   OTR 2 0 1,425 0
EDISON INTERNATIONAL COMMON STOCK 281020107 12 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 7 70 SH   DFND 2 70 0 0
EMERSON ELEC CO COMMON STOCK 291011104 298 4,998 SH   DFND 2 4,998 0 0
EMERSON ELEC CO COMMON STOCK 291011104 12 200 SH   SOLE   200 0 0
EMERSON ELEC CO COMMON STOCK 291011104 204 3,420 SH   OTR 2 0 3,420 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 281 2,300 SH   DFND 2 2,300 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 23 801 SH   DFND 2 801 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 48 4,274 SH   DFND 2 4,274 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 22 2,000 SH   OTR 2 0 2,000 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 865 4,369 SH   DFND 2 4,369 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 39 196 SH   SOLE   196 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 41 205 SH   OTR 2 0 205 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,345 123,857 SH   DFND 2 123,857 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,351 50,000 SH   DFND 3 50,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 251 9,309 SH   SOLE   9,309 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 775 28,706 SH   OTR 2 0 28,706 0
GENERAL MLS INC COMMON STOCK 370334104 1,055 19,051 SH   DFND 2 19,051 0 0
GENERAL MLS INC COMMON STOCK 370334104 76 1,374 SH   SOLE   1,374 0 0
GENERAL MLS INC COMMON STOCK 370334104 45 810 SH   OTR 2 0 810 0
GENUINE PARTS CO COMMON STOCK 372460105 64 686 SH   DFND 2 686 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,036 14,630 SH   DFND 2 14,630 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 130 1,841 SH   SOLE   1,841 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 92 1,300 SH   OTR 2 0 1,300 0
GRAINGER W W INC COMMON STOCK 384802104 22 120 SH   DFND 2 120 0 0
GRUBHUB INC COMMON STOCK 400110102 35 800 SH   DFND 2 800 0 0
GRUBHUB INC COMMON STOCK 400110102 1,308 30,000 SH   DFND 3 30,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 118 2,770 SH   DFND 2 2,770 0 0
HALLIBURTON CO COMMON STOCK 406216101 9 200 SH   OTR 2 0 200 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 58 1,075 SH   OTR 2 0 1,075 0
HARRIS CORP COMMON STOCK 413875105 0 1 SH   SOLE   1 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 11 200 SH   DFND 2 200 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 3 50 SH   SOLE   50 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 12 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 536 4,993 SH   DFND 2 4,993 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 19 175 SH   SOLE   175 0 0
HEXCEL CORP COMMON STOCK 428291108 41 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,243 14,622 SH   DFND 2 14,622 0 0
HOME DEPOT INC COMMON STOCK 437076102 226 1,472 SH   SOLE   1,472 0 0
HOME DEPOT INC COMMON STOCK 437076102 374 2,440 SH   OTR 2 0 2,440 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,895 14,220 SH   DFND 2 14,220 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,333 10,000 SH   DFND 3 10,000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 170 1,274 SH   SOLE   1,274 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 117 880 SH   OTR 2 0 880 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 70 490 SH   DFND 2 490 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 48 334 SH   SOLE   334 0 0
INTEL CORP COMMON STOCK 458140100 1,479 43,826 SH   DFND 2 43,826 0 0
INTEL CORP COMMON STOCK 458140100 120 3,570 SH   SOLE   3,570 0 0
INTEL CORP COMMON STOCK 458140100 382 11,325 SH   OTR 2 0 11,325 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,671 10,864 SH   DFND 2 10,864 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 142 923 SH   SOLE   923 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,253 8,148 SH   OTR 2 0 8,148 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,013 7,504 SH   DFND 2 7,504 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,080 8,000 SH   DFND 3 8,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 92 682 SH   SOLE   682 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 95 1,680 SH   DFND 2 1,680 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 16 290 SH   SOLE   290 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 28 500 SH   OTR 2 0 500 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 34 1,400 SH   SOLE   1,400 0 0
INTUIT INC COMMON STOCK 461202103 108 810 SH   OTR 2 0 810 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 18 160 SH   DFND 2 160 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 97 400 SH   DFND 2 400 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 259 1,064 SH   SOLE   1,064 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 6,257 57,133 SH   DFND 2 57,133 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 185 1,687 SH   SOLE   1,687 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 190 1,732 SH   OTR 2 0 1,732 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 16,050 387,775 SH   DFND 2 387,775 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 43 1,029 SH   OTR   1,029 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 1,257 30,362 SH   SOLE   30,362 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 431 10,404 SH   OTR 2 0 10,404 0
ISHARES S&P 500 GROWTH ETF OTHER 464287309 27 200 SH   SOLE   200 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 63 600 SH   DFND 2 600 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 128 1,220 SH   SOLE   1,220 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 1,260 14,916 SH   DFND 2 14,916 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 106 1,250 SH   OTR 2 0 1,250 0
ISHARES MSCI EAFE ETF OTHER 464287465 237 3,641 SH   DFND 2 3,641 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 34 525 SH   SOLE   525 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 881 4,585 SH   DFND 2 4,585 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 88 456 SH   SOLE   456 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 24 125 SH   OTR 2 0 125 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 482 2,773 SH   DFND 2 2,773 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 368 2,610 SH   DFND 2 2,610 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 981 13,990 SH   DFND 2 13,990 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 86 1,229 SH   SOLE   1,229 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 21 300 SH   OTR 2 0 300 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 9,353 138,665 SH   DFND 2 138,665 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 38 559 SH   OTR   559 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 589 8,735 SH   SOLE   8,735 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 177 2,622 SH   OTR 2 0 2,622 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 3,136 28,108 SH   DFND 2 28,108 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,403 12,571 SH   SOLE   12,571 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 110 1,000 SH   DFND 2 1,000 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 3,512 33,351 SH   DFND 2 33,351 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 65 614 SH   SOLE   614 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 121 1,150 SH   OTR 2 0 1,150 0
ISHARES S&P PREF STK ETF OTHER 464288687 66 1,695 SH   DFND 2 1,695 0 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 33 735 SH   DFND 2 735 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 358 6,581 SH   DFND 2 6,581 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 30 550 SH   SOLE   550 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 46 845 SH   OTR 2 0 845 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,385 33,144 SH   DFND 2 33,144 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,984 15,000 SH   DFND 3 15,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 369 2,788 SH   SOLE   2,788 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,318 9,965 SH   OTR 2 0 9,965 0
KELLOGG CO COMMON STOCK 487836108 10 150 SH   DFND 2 150 0 0
KELLOGG CO COMMON STOCK 487836108 129 1,855 SH   OTR 2 0 1,855 0
KEYCORP COMMON STOCK 493267108 19 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
KOHLS CORP COMMON STOCK 500255104 6 150 SH   DFND 2 150 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 354 4,135 SH   DFND 2 4,135 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 856 10,000 SH   DFND 3 10,000 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 110 1,280 SH   SOLE   1,280 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 9 102 SH   OTR 2 0 102 0
KROGER CO COMMON STOCK 501044101 2 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 268 3,255 SH   DFND 2 3,255 0 0
LILLY ELI & CO COMMON STOCK 532457108 193 2,350 SH   OTR 2 0 2,350 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 90 324 SH   DFND 2 324 0 0
LOWES COS INC COMMON STOCK 548661107 349 4,500 SH   DFND 2 4,500 0 0
LOWES COS INC COMMON STOCK 548661107 6 80 SH   SOLE   80 0 0
LOWES COS INC COMMON STOCK 548661107 229 2,950 SH   OTR 2 0 2,950 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 1,140 11,360 SH   DFND 2 11,360 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 137 1,366 SH   SOLE   1,366 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 41 410 SH   OTR 2 0 410 0
MASCO CORP COMMON STOCK 574599106 1,581 41,367 SH   DFND 2 41,367 0 0
MASCO CORP COMMON STOCK 574599106 2,102 55,000 SH   DFND 3 55,000 0 0
MASCO CORP COMMON STOCK 574599106 96 2,521 SH   SOLE   2,521 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 10 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,171 7,646 SH   DFND 2 7,646 0 0
MCDONALDS CORP COMMON STOCK 580135101 98 640 SH   SOLE   640 0 0
MCDONALDS CORP COMMON STOCK 580135101 107 700 SH   OTR 2 0 700 0
MICROSOFT CORP COMMON STOCK 594918104 4,510 65,434 SH   DFND 2 65,434 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,757 40,000 SH   DFND 3 40,000 0 0
MICROSOFT CORP COMMON STOCK 594918104 414 6,007 SH   SOLE   6,007 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,133 16,440 SH   OTR 2 0 16,440 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 46 596 SH   SOLE   596 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 419 SH   DFND 2 419 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 14 325 SH   SOLE   325 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 9 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 1,242 27,866 SH   DFND 2 27,866 0 0
MORGAN STANLEY COMMON STOCK 617446448 2,228 50,000 SH   DFND 3 50,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 141 3,154 SH   SOLE   3,154 0 0
MORGAN STANLEY COMMON STOCK 617446448 100 2,250 SH   OTR 2 0 2,250 0
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NBT BANCORP INC COM COMMON STOCK 628778102 46 1,250 SH   SOLE   1,250 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 45 1,375 SH   DFND 2 1,375 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 25 750 SH   OTR 2 0 750 0
NIKE INC-CLASS B COMMON STOCK 654106103 219 3,715 SH   DFND 2 3,715 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 30 500 SH   SOLE   500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 288 4,880 SH   OTR 2 0 4,880 0
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NORFOLK SOUTHERN CORP COMMON STOCK 655844108 91 750 SH   OTR 2 0 750 0
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NUCOR CORP COMMON STOCK 670346105 2 35 SH   DFND 2 35 0 0
NUVEEN AMT-FREE QUALITY MUNI I OTHER 670657105 27 2,000 SH   DFND 2 2,000 0 0
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PPG INDUSTRIES INC COMMON STOCK 693506107 48 440 SH   DFND 2 440 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 11 100 SH   OTR 2 0 100 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 70 625 SH   OTR 2 0 625 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 4 25 SH   DFND 2 25 0 0
PAYCHEX INC COMMON STOCK 704326107 760 13,347 SH   DFND 2 13,347 0 0
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PAYCHEX INC COMMON STOCK 704326107 57 1,000 SH   OTR 2 0 1,000 0
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PFIZER INC COMMON STOCK 717081103 382 11,365 SH   OTR 2 0 11,365 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1,066 9,076 SH   DFND 2 9,076 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 12 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 964 11,654 SH   DFND 2 11,654 0 0
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PRICELINE GROUP INC COMMON STOCK 741503403 1,871 1,000 SH   DFND 3 1,000 0 0
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PRICELINE GROUP INC COMMON STOCK 741503403 22 12 SH   OTR 2 0 12 0
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QUALCOMM INC COMMON STOCK 747525103 13 240 SH   DFND 2 240 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 242 1,500 SH   DFND 2 1,500 0 0
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SCHLUMBERGER LTD COMMON STOCK 806857108 33 500 SH   OTR 2 0 500 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 33 770 SH   DFND 2 770 0 0
SEMPRA ENERGY COMMON STOCK 816851109 156 1,385 SH   DFND 2 1,385 0 0
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SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,404 4,000 SH   DFND 3 4,000 0 0
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SMITH A O CORPORATION COMMON STOCK 831865209 25 450 SH   DFND 2 450 0 0
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SOUTHERN COMPANY COMMON STOCK 842587107 29 600 SH   OTR 2 0 600 0
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SOUTHWEST AIRLINES CO COMMON STOCK 844741108 91 1,469 SH   SOLE   1,469 0 0
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THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 56 320 SH   OTR 2 0 320 0
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UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 8 377 SH   OTR 2 0 377 0
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WAL MART STORES INC COMMON STOCK 931142103 49 650 SH   OTR 2 0 650 0
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TARGET CORP COMMON STOCK 87612E106 7 132 SH   DFND 2 132 0 0
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AT&T INC COMMON STOCK 00206R102 799 21,179 SH   DFND 2 21,179 0 0
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BLACKROCK INC CL A COMMON STOCK 09247X101 57 135 SH   OTR 2 0 135 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 23 700 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 283 3,423 SH   DFND 2 3,423 0 0
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CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 5 55 SH   OTR 2 0 55 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 185 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 16 48 SH   DFND 2 48 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 339 10,845 SH   DFND 2 10,845 0 0
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CISCO SYSTEMS INC COMMON STOCK 17275R102 87 2,785 SH   OTR 2 0 2,785 0
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COMCAST CORP-CL A COMMON STOCK 20030N101 16 400 SH   OTR 2 0 400 0
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CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,359 7,014 SH   DFND 2 7,014 0 0
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CONSTELLATION BRANDS INC COMMON STOCK 21036P108 4 20 SH   OTR 2 0 20 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 617 3,857 SH   DFND 2 3,857 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 800 5,000 SH   DFND 3 5,000 0 0
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DXC TECHNOLOGY CO COMMON STOCK 23355L106 59 773 SH   DFND 2 773 0 0
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DOMINION ENERGY INC COMMON STOCK 25746U109 297 3,871 SH   DFND 2 3,871 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 35 460 SH   SOLE   460 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 54 700 SH   OTR 2 0 700 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 3,173 15,000 SH   DFND 3 15,000 0 0
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DUKE ENERGY CORP COMMON STOCK 26441C204 60 717 SH   OTR 2 0 717 0
EOG RES INC COMMON STOCK 26875P101 795 8,778 SH   DFND 2 8,778 0 0
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EOG RES INC COMMON STOCK 26875P101 3 35 SH   OTR 2 0 35 0
EQT CORPORATION COMMON STOCK 26884L109 13 226 SH   DFND 2 226 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 9 235 SH   DFND 2 235 0 0
EXELON CORP COMMON STOCK 30161N101 10 280 SH   DFND 2 280 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 178 2,795 SH   DFND 2 2,795 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 6 100 SH   SOLE   100 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 21 323 SH   OTR 2 0 323 0
EXXONMOBIL CORP COMMON STOCK 30231G102 3,424 42,415 SH   DFND 2 42,415 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,372 17,000 SH   DFND 3 17,000 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 357 4,425 SH   SOLE   4,425 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 979 12,132 SH   OTR 2 0 12,132 0
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FACEBOOK INC-A COMMON STOCK 30303M102 6,039 40,000 SH   DFND 3 40,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 237 1,570 SH   SOLE   1,570 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 40 265 SH   OTR 2 0 265 0
FEDEX CORPORATION COMMON STOCK 31428X106 872 4,012 SH   DFND 2 4,012 0 0
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FEDEX CORPORATION COMMON STOCK 31428X106 142 655 SH   SOLE   655 0 0
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FNFV GROUP COMMON STOCK 31620R402 16 998 SH   DFND 2 998 0 0
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GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 29 1,350 SH   DFND 2 1,350 0 0
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GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 95 430 SH   OTR 2 0 430 0
HP INC COMMON STOCK 40434L105 157 9,000 SH   DFND 2 9,000 0 0
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HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 5 260 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 1,556 23,608 SH   DFND 2 23,608 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,318 20,000 SH   DFND 3 20,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 70 1,066 SH   SOLE   1,066 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 7 100 SH   OTR 2 0 100 0
ISHARES SILVER TRUST OTHER 46428Q109 26 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 3,663 40,081 SH   DFND 2 40,081 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,011 22,000 SH   DFND 3 22,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 371 4,064 SH   SOLE   4,064 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 713 7,798 SH   OTR 2 0 7,798 0
KADANT INC COMMON STOCK 48282T104 61 809 SH   DFND 2 809 0 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 2 120 SH   DFND 2 120 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
MALIBU BOATS INC COMMON STOCK 56117J100 10 400 SH   DFND 2 400 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 5 100 SH   DFND 2 100 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 253 2,082 SH   DFND 2 2,082 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 24 200 SH   SOLE   200 0 0
MCKESSON CORP COMMON STOCK 58155Q103 16 100 SH   DFND 2 100 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,434 37,985 SH   DFND 2 37,985 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,788 27,900 SH   DFND 3 27,900 0 0
MERCK & CO INC COMMON STOCK 58933Y105 202 3,145 SH   SOLE   3,145 0 0
MERCK & CO INC COMMON STOCK 58933Y105 260 4,050 SH   OTR 2 0 4,050 0
METLIFE INC COMMON STOCK 59156R108 148 2,695 SH   DFND 2 2,695 0 0
METLIFE INC COMMON STOCK 59156R108 29 525 SH   OTR 2 0 525 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 9 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 8 65 SH   DFND 2 65 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 24 475 SH   DFND 2 475 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,689 34,000 SH   DFND 3 34,000 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 7 300 SH   DFND 2 300 0 0
NETFLIX INC COMMON STOCK 64110L106 2,329 15,590 SH   DFND 2 15,590 0 0
NETFLIX INC COMMON STOCK 64110L106 1,942 13,000 SH   DFND 3 13,000 0 0
NETFLIX INC COMMON STOCK 64110L106 227 1,517 SH   SOLE   1,517 0 0
NETFLIX INC COMMON STOCK 64110L106 10 65 SH   OTR 2 0 65 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 14 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,191 8,497 SH   DFND 2 8,497 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 701 5,000 SH   DFND 3 5,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 105 748 SH   SOLE   748 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 139 995 SH   OTR 2 0 995 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 58 700 SH   DFND 2 700 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,241 44,699 SH   DFND 2 44,699 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 143 2,851 SH   SOLE   2,851 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 351 7,000 SH   OTR 2 0 7,000 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 9 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 2,494 46,470 SH   DFND 2 46,470 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 188 3,500 SH   SOLE   3,500 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 27 500 SH   OTR 2 0 500 0
POWERSHARES QQQ TRUST OTHER 73935A104 48 346 SH   DFND 2 346 0 0
PRAXAIR INC COMMON STOCK 74005P104 159 1,201 SH   DFND 2 1,201 0 0
PRAXAIR INC COMMON STOCK 74005P104 11 80 SH   SOLE   80 0 0
PRAXAIR INC COMMON STOCK 74005P104 36 275 SH   OTR 2 0 275 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 336 4,530 SH   DFND 2 4,530 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 44 597 SH   SOLE   597 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 249 3,360 SH   OTR 2 0 3,360 0
PRIMERO MINING CORP COMMON STOCK 74164W106 0 1 SH   OTR 2 0 1 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 72 650 SH   OTR 2 0 650 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 13 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,431 30,730 SH   DFND 2 30,730 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 82 340 SH   OTR 2 0 340 0
SPDR GOLD TRUST OTHER 78463V107 20 166 SH   DFND 2 166 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 135 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 766 6,480 SH   DFND 2 6,480 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 457 4,017 SH   DFND 2 4,017 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 728 10,295 SH   DFND 2 10,295 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 58 827 SH   SOLE   827 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 12 165 SH   OTR 2 0 165 0
SPDR S&P INSURANCE ETF OTHER 78464A789 37 420 SH   DFND 2 420 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 32 263 SH   DFND 2 263 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 184 1,285 SH   DFND 2 1,285 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 52 675 SH   DFND 2 675 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 8 100 SH   OTR 2 0 100 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 207 652 SH   DFND 2 652 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,491 17,221 SH   DFND 2 17,221 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,598 30,000 SH   DFND 3 30,000 0 0
SALESFORCE.COM COMMON STOCK 79466L302 152 1,756 SH   SOLE   1,756 0 0
SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH   OTR 2 0 2 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 880 16,350 SH   DFND 2 16,350 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 96 1,784 SH   SOLE   1,784 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 181 3,357 SH   OTR 2 0 3,357 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 384 4,841 SH   DFND 2 4,841 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 76 960 SH   SOLE   960 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 881 11,113 SH   OTR 2 0 11,113 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 136 2,480 SH   DFND 2 2,480 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 32 575 SH   SOLE   575 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 478 8,694 SH   OTR 2 0 8,694 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 284 3,171 SH   DFND 2 3,171 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 77 855 SH   SOLE   855 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 855 9,544 SH   OTR 2 0 9,544 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 170 2,624 SH   DFND 2 2,624 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 14 210 SH   SOLE   210 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 357 5,492 SH   OTR 2 0 5,492 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 451 18,288 SH   DFND 2 18,288 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 852 34,549 SH   OTR 2 0 34,549 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 260 3,816 SH   DFND 2 3,816 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 46 680 SH   SOLE   680 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 611 8,970 SH   OTR 2 0 8,970 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 376 6,871 SH   DFND 2 6,871 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 117 2,140 SH   SOLE   2,140 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,461 26,698 SH   OTR 2 0 26,698 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 137 4,244 SH   DFND 2 4,244 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 8 239 SH   SOLE   239 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 649 12,498 SH   DFND 2 12,498 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 59 1,141 SH   SOLE   1,141 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 110 2,108 SH   OTR 2 0 2,108 0
TESLA INC COMMON STOCK 88160R101 1,100 3,041 SH   DFND 2 3,041 0 0
TESLA INC COMMON STOCK 88160R101 1,808 5,000 SH   DFND 3 5,000 0 0
TESLA INC COMMON STOCK 88160R101 56 155 SH   SOLE   155 0 0
TESLA INC COMMON STOCK 88160R101 5 15 SH   OTR 2 0 15 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 2 100 SH   DFND 2 100 0 0
3M CO COMMON STOCK 88579Y101 1,467 7,045 SH   DFND 2 7,045 0 0
3M CO COMMON STOCK 88579Y101 130 625 SH   SOLE   625 0 0
3M CO COMMON STOCK 88579Y101 468 2,250 SH   OTR 2 0 2,250 0
TWITTER INC COMMON STOCK 90184L102 2 100 SH   DFND 2 100 0 0
TWITTER INC COMMON STOCK 90184L102 536 30,000 SH   DFND 3 30,000 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 24 1,260 SH   DFND 2 1,260 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 13 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 382 2,062 SH   DFND 2 2,062 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,318 12,500 SH   DFND 3 12,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 214 1,155 SH   SOLE   1,155 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 47 255 SH   OTR 2 0 255 0
UNITI GROUP INC REIT COMMON STOCK 91325V108 12 465 SH   DFND 2 465 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 39 575 SH   DFND 2 575 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 49 725 SH   SOLE   725 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 31 250 SH   DFND 2 250 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,169 26,169 SH   DFND 2 26,169 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 94 2,109 SH   SOLE   2,109 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 236 5,279 SH   OTR 2 0 5,279 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 39 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 10 305 SH   DFND 2 305 0 0
VIACOM INC-B COMMON STOCK 92553P201 44 1,302 SH   OTR 2 0 1,302 0
VISA INC CL A COMMON STOCK 92826C839 3,023 32,240 SH   DFND 2 32,240 0 0
VISA INC CL A COMMON STOCK 92826C839 5,627 60,000 SH   DFND 3 60,000 0 0
VISA INC CL A COMMON STOCK 92826C839 300 3,199 SH   SOLE   3,199 0 0
VISA INC CL A COMMON STOCK 92826C839 106 1,130 SH   OTR 2 0 1,130 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 25 400 SH   DFND 2 400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 1 19 SH   DFND 2 19 0 0
WESTROCK CO COMMON STOCK 96145D105 6 99 SH   DFND 2 99 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 3 684 SH   DFND 2 684 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 28 720 SH   DFND 2 720 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 253 1,967 SH   DFND 2 1,967 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 10 75 SH   SOLE   75 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 48 375 SH   OTR 2 0 375 0
ALLERGAN PLC COMMON STOCK G0177J108 301 1,237 SH   DFND 2 1,237 0 0
ALLERGAN PLC COMMON STOCK G0177J108 36 150 SH   SOLE   150 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 295 2,385 SH   DFND 2 2,385 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 25 200 SH   SOLE   200 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 12 100 SH   OTR 2 0 100 0
EATON CORP PLC COMMON STOCK G29183103 97 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 13 146 SH   DFND 2 146 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 31 710 SH   DFND 2 710 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 390 4,395 SH   DFND 2 4,395 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 11 122 SH   SOLE   122 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 203 2,282 SH   OTR 2 0 2,282 0
TILL CAPITAL LTD COMMON STOCK G8875E107 0 1 SH   OTR 2 0 1 0
TRANSOCEAN LTD COMMON STOCK H8817H100 8 1,000 SH   OTR 2 0 1,000 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,751 16,051 SH   DFND 2 16,051 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 56 516 SH   SOLE   516 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 16 150 SH   OTR 2 0 150 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 11 200 SH   DFND 2 200 0 0
MYLAN NV COMMON STOCK N59465109 4 100 SH   DFND 2 100 0 0