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 631 10,347 SH   DFND 2 10,347 0 0
ABBOTT LABS COMMON STOCK 002824100 72 1,175 SH   OTR 2 0 1,175 0
ABBOTT LABS COMMON STOCK 002824100 900 14,750 SH   DFND 3 14,750 0 0
ABBOTT LABS COMMON STOCK 002824100 12 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 9 143 SH   SOLE   143 0 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 11 75 SH   DFND 2 75 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 32 205 SH   DFND 2 205 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 21 135 SH   OTR 2 0 135 0
ALCOA CORP COMMON STOCK 013872106 20 420 SH   DFND 2 420 0 0
ALLSTATE CORP COMMON STOCK 020002101 101 1,106 SH   OTR 2 0 1,106 0
ALTABA INC COMMON STOCK 021346101 7 100 SH   SOLE   100 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,170 3,630 SH   DFND 2 3,630 0 0
AMAZON.COM INC COMMON STOCK 023135106 355 209 SH   OTR 2 0 209 0
AMAZON.COM INC COMMON STOCK 023135106 9,476 5,575 SH   DFND 3 5,575 0 0
AMAZON.COM INC COMMON STOCK 023135106 637 375 SH   SOLE   375 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 64 919 SH   DFND 2 919 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 291 2,965 SH   DFND 2 2,965 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 135 1,380 SH   OTR 2 0 1,380 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH   SOLE   300 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 476 8,981 SH   DFND 2 8,981 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 18 340 SH   SOLE   340 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 17 200 SH   DFND 2 200 0 0
AMGEN INC COMMON STOCK 031162100 2,044 11,073 SH   DFND 2 11,073 0 0
AMGEN INC COMMON STOCK 031162100 55 300 SH   OTR 2 0 300 0
AMGEN INC COMMON STOCK 031162100 2,307 12,500 SH   DFND 3 12,500 0 0
AMGEN INC COMMON STOCK 031162100 28 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 213 1,153 SH   SOLE   1,153 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 3 37 SH   DFND 2 37 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 513 7,000 SH   DFND 3 7,000 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 12 130 SH   DFND 2 130 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 17 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 7,201 38,899 SH   DFND 2 38,899 0 0
APPLE INC COMMON STOCK 037833100 771 4,167 SH   OTR 2 0 4,167 0
APPLE INC COMMON STOCK 037833100 6,053 32,700 SH   DFND 3 32,700 0 0
APPLE INC COMMON STOCK 037833100 19 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 867 4,682 SH   SOLE   4,682 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 188 4,065 SH   DFND 2 4,065 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 9 200 SH   DFND 2 200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 49,903 1,370,960 SH   DFND 2 1,370,960 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 696 19,131 SH   OTR 2 0 19,131 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 823 22,616 SH   SOLE   22,616 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 36 460 SH   DFND 2 460 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 270 2,010 SH   DFND 2 2,010 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 557 4,150 SH   OTR 2 0 4,150 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 56 415 SH   SOLE   415 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   DFND 2 30 0 0
BB&T CORPORATION COMMON STOCK 054937107 70 1,395 SH   DFND 2 1,395 0 0
BB&T CORPORATION COMMON STOCK 054937107 5 100 SH   OTR 2 0 100 0
BB&T CORPORATION COMMON STOCK 054937107 1,261 25,000 SH   DFND 3 25,000 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 97 2,122 SH   DFND 2 2,122 0 0
BAIDU INC SPONS ADR COMMON STOCK 056752108 3 13 SH   DFND 2 13 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 248 8,785 SH   DFND 2 8,785 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,830 100,385 SH   DFND 3 100,385 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 186 6,600 SH   SOLE   6,600 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 273 5,055 SH   DFND 2 5,055 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 80 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 10 190 SH   SOLE   190 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 4 300 SH   DFND 2 300 0 0
BAXTER INTL INC COMMON STOCK 071813109 152 2,060 SH   DFND 2 2,060 0 0
BAXTER INTL INC COMMON STOCK 071813109 151 2,050 SH   OTR 2 0 2,050 0
BECTON DICKINSON COMMON STOCK 075887109 72 300 SH   DFND 2 300 0 0
BECTON DICKINSON COMMON STOCK 075887109 68 285 SH   OTR 2 0 285 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,175 17,010 SH   DFND 2 17,010 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 308 1,650 SH   OTR 2 0 1,650 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,867 10,000 SH   DFND 3 10,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 247 1,321 SH   SOLE   1,321 0 0
BOEING CO COMMON STOCK 097023105 540 1,610 SH   DFND 2 1,610 0 0
BOEING CO COMMON STOCK 097023105 252 750 SH   DFND 3 750 0 0
BOEING CO COMMON STOCK 097023105 17 50 SH   SOLE   50 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,352 24,436 SH   DFND 2 24,436 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 95 1,725 SH   OTR 2 0 1,725 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 14 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 148 2,677 SH   SOLE   2,677 0 0
BRUNSWICK CORP COMMON STOCK 117043109 10 150 SH   DFND 2 150 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 18 500 SH   OTR 2 0 500 0
CSX CORP COMMON STOCK 126408103 11 180 SH   DFND 2 180 0 0
CVS HEALTH CORP COMMON STOCK 126650100 432 6,714 SH   DFND 2 6,714 0 0
CVS HEALTH CORP COMMON STOCK 126650100 25 390 SH   OTR 2 0 390 0
CVS HEALTH CORP COMMON STOCK 126650100 1,030 16,000 SH   DFND 3 16,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 18 275 SH   SOLE   275 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 16 200 SH   SOLE   200 0 0
CARNIVAL CORP COMMON STOCK 143658300 69 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 338 2,494 SH   DFND 2 2,494 0 0
CATERPILLAR INC COMMON STOCK 149123101 139 1,025 SH   OTR 2 0 1,025 0
CATERPILLAR INC COMMON STOCK 149123101 217 1,600 SH   DFND 3 1,600 0 0
CELGENE CORP COMMON STOCK 151020104 605 7,618 SH   DFND 2 7,618 0 0
CELGENE CORP COMMON STOCK 151020104 68 850 SH   OTR 2 0 850 0
CELGENE CORP COMMON STOCK 151020104 874 11,000 SH   DFND 3 11,000 0 0
CELGENE CORP COMMON STOCK 151020104 53 662 SH   SOLE   662 0 0
CERNER CORP COMMON STOCK 156782104 366 6,128 SH   DFND 2 6,128 0 0
CERNER CORP COMMON STOCK 156782104 23 389 SH   SOLE   389 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 22 400 SH   DFND 2 400 0 0
THE CHEMOURS COMPANY COMMON STOCK 163851108 67 1,500 SH   DFND 3 1,500 0 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 12 155 SH   DFND 2 155 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,375 18,784 SH   DFND 2 18,784 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 610 4,824 SH   OTR 2 0 4,824 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,580 12,500 SH   DFND 3 12,500 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 24 190 SH   OTR   0 190 0
CHEVRON CORPORATION COMMON STOCK 166764100 204 1,613 SH   SOLE   1,613 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 22 50 SH   DFND 2 50 0 0
CITIGROUP INC COMMON STOCK 172967424 33 500 SH   DFND 2 500 0 0
CITIGROUP INC COMMON STOCK 172967424 67 1,000 SH   SOLE   1,000 0 0
CLOROX COMPANY COMMON STOCK 189054109 83 617 SH   DFND 2 617 0 0
CLOROX COMPANY COMMON STOCK 189054109 27 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 1,230 28,038 SH   DFND 2 28,038 0 0
COCA COLA CO COMMON STOCK 191216100 79 1,805 SH   OTR 2 0 1,805 0
COCA COLA CO COMMON STOCK 191216100 121 2,765 SH   SOLE   2,765 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 371 5,732 SH   DFND 2 5,732 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 443 6,830 SH   OTR 2 0 6,830 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 13 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 43 670 SH   SOLE   670 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 383 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 13 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 73 939 SH   DFND 2 939 0 0
CORNING INC COMMON STOCK 219350105 25 900 SH   DFND 2 900 0 0
CUMMINS INC COMMON STOCK 231021106 532 4,001 SH   DFND 2 4,001 0 0
CUMMINS INC COMMON STOCK 231021106 5 35 SH   OTR 2 0 35 0
CUMMINS INC COMMON STOCK 231021106 1,330 10,000 SH   DFND 3 10,000 0 0
CUMMINS INC COMMON STOCK 231021106 27 204 SH   SOLE   204 0 0
DTE ENERGY CO COMMON STOCK 233331107 43 415 SH   OTR 2 0 415 0
DANAHER CORP COMMON STOCK 235851102 128 1,293 SH   DFND 2 1,293 0 0
DANAHER CORP COMMON STOCK 235851102 15 151 SH   OTR 2 0 151 0
DANAHER CORP COMMON STOCK 235851102 493 5,000 SH   DFND 3 5,000 0 0
DANAHER CORP COMMON STOCK 235851102 10 101 SH   OTR   0 101 0
DANAHER CORP COMMON STOCK 235851102 9 89 SH   SOLE   89 0 0
DEERE & CO COMMON STOCK 244199105 160 1,145 SH   DFND 2 1,145 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 45 406 SH   SOLE   406 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,383 22,736 SH   DFND 2 22,736 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 184 1,760 SH   OTR 2 0 1,760 0
DISNEY WALT CO NEW COMMON STOCK 254687106 21 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 216 2,060 SH   SOLE   2,060 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 33 466 SH   OTR 2 0 466 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 12 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 686 8,075 SH   DFND 2 8,075 0 0
DONALDSON INC COMMON STOCK 257651109 9 210 SH   DFND 2 210 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 7 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 38 1,060 SH   DFND 2 1,060 0 0
EBAY INC COMMON STOCK 278642103 4 100 SH   OTR 2 0 100 0
ECOLAB INC COMMON STOCK 278865100 682 4,861 SH   DFND 2 4,861 0 0
ECOLAB INC COMMON STOCK 278865100 200 1,425 SH   OTR 2 0 1,425 0
ECOLAB INC COMMON STOCK 278865100 547 3,900 SH   DFND 3 3,900 0 0
ECOLAB INC COMMON STOCK 278865100 69 494 SH   SOLE   494 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 9 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 6 45 SH   DFND 2 45 0 0
EMERSON ELEC CO COMMON STOCK 291011104 351 5,083 SH   DFND 2 5,083 0 0
EMERSON ELEC CO COMMON STOCK 291011104 226 3,270 SH   OTR 2 0 3,270 0
EMERSON ELEC CO COMMON STOCK 291011104 14 200 SH   SOLE   200 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 26 944 SH   DFND 2 944 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 12 60 SH   DFND 2 60 0 0
FIRST SOLAR INC COMMON STOCK 336433107 3 55 SH   DFND 2 55 0 0
FISERV INC COMMON STOCK 337738108 317 4,280 SH   DFND 2 4,280 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 29 801 SH   DFND 2 801 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 27 2,400 SH   DFND 2 2,400 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 1,155 6,198 SH   DFND 2 6,198 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 20 105 SH   OTR 2 0 105 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 44 238 SH   SOLE   238 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 479 35,216 SH   DFND 2 35,216 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 267 19,614 SH   OTR 2 0 19,614 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 5 350 SH   SOLE   350 0 0
GENERAL MLS INC COMMON STOCK 370334104 477 10,767 SH   DFND 2 10,767 0 0
GENERAL MLS INC COMMON STOCK 370334104 17 385 SH   OTR 2 0 385 0
GENERAL MLS INC COMMON STOCK 370334104 4 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104 44 1,002 SH   SOLE   1,002 0 0
GENUINE PARTS CO COMMON STOCK 372460105 63 686 SH   DFND 2 686 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 422 5,957 SH   DFND 2 5,957 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 50 710 SH   OTR 2 0 710 0
GILEAD SCIENCES INC COMMON STOCK 375558103 79 1,122 SH   SOLE   1,122 0 0
GRAINGER W W INC COMMON STOCK 384802104 37 120 SH   DFND 2 120 0 0
GRUBHUB INC COMMON STOCK 400110102 84 800 SH   DFND 2 800 0 0
GRUBHUB INC COMMON STOCK 400110102 3,147 30,000 SH   DFND 3 30,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 46 1,030 SH   DFND 2 1,030 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 3 75 SH   OTR 2 0 75 0
HASBRO INC COMMON STOCK 418056107 5 53 SH   DFND 2 53 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 10 150 SH   DFND 2 150 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 16 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 118 1,263 SH   DFND 2 1,263 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 7 70 SH   SOLE   70 0 0
HEXCEL CORP COMMON STOCK 428291108 51 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,136 16,072 SH   DFND 2 16,072 0 0
HOME DEPOT INC COMMON STOCK 437076102 462 2,370 SH   OTR 2 0 2,370 0
HOME DEPOT INC COMMON STOCK 437076102 1,717 8,800 SH   DFND 3 8,800 0 0
HOME DEPOT INC COMMON STOCK 437076102 20 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 262 1,343 SH   SOLE   1,343 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,952 13,550 SH   DFND 2 13,550 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 109 755 SH   OTR 2 0 755 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,441 10,000 SH   DFND 3 10,000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 180 1,249 SH   SOLE   1,249 0 0
HORMEL FOODS CORP COMMON STOCK 440452100 10 280 SH   DFND 2 280 0 0
HUMANA INC COMMON STOCK 444859102 18 60 SH   DFND 2 60 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 68 490 SH   DFND 2 490 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 37 269 SH   SOLE   269 0 0
INTEL CORP COMMON STOCK 458140100 2,011 40,461 SH   DFND 2 40,461 0 0
INTEL CORP COMMON STOCK 458140100 414 8,325 SH   OTR 2 0 8,325 0
INTEL CORP COMMON STOCK 458140100 20 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100 134 2,705 SH   SOLE   2,705 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 937 6,708 SH   DFND 2 6,708 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 841 6,023 SH   OTR 2 0 6,023 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 14 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 112 803 SH   SOLE   803 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 708 5,713 SH   DFND 2 5,713 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 372 3,000 SH   DFND 3 3,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 85 682 SH   SOLE   682 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 65 1,250 SH   DFND 2 1,250 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 26 500 SH   OTR 2 0 500 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 15 290 SH   SOLE   290 0 0
INTUIT INC COMMON STOCK 461202103 165 810 SH   OTR 2 0 810 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 11 100 SH   DFND 2 100 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 82 300 SH   DFND 2 300 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 183 670 SH   SOLE   670 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 4,600 43,269 SH   DFND 2 43,269 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 220 2,073 SH   OTR 2 0 2,073 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 171 1,607 SH   SOLE   1,607 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 16,682 384,989 SH   DFND 2 384,989 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 574 13,250 SH   OTR 2 0 13,250 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 59 1,359 SH   OTR   0 1,359 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 1,458 33,651 SH   SOLE   33,651 0 0
ISHARES S&P 500 GROWTH ETF OTHER 464287309 16 100 SH   SOLE   100 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 33 300 SH   DFND 2 300 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 61 555 SH   SOLE   555 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 395 4,734 SH   DFND 2 4,734 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH   OTR 2 0 500 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 226 3,371 SH   DFND 2 3,371 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 27 400 SH   SOLE   400 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 940 4,431 SH   DFND 2 4,431 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 27 125 SH   OTR 2 0 125 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 135 636 SH   SOLE   636 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 477 2,448 SH   DFND 2 2,448 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 25 127 SH   OTR 2 0 127 0
ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 190 930 SH   DFND 2 930 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 587 3,586 SH   DFND 2 3,586 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 25 155 SH   OTR 2 0 155 0
ISHARES US UTILITIES ETF OTHER 464287697 42 320 SH   DFND 2 320 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 5,709 68,408 SH   DFND 2 68,408 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 35 421 SH   OTR 2 0 421 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 508 6,087 SH   SOLE   6,087 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 8,340 116,366 SH   DFND 2 116,366 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 321 4,475 SH   OTR 2 0 4,475 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 40 559 SH   OTR   0 559 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 750 10,458 SH   SOLE   10,458 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,122 75,223 SH   DFND 2 75,223 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,386 25,293 SH   SOLE   25,293 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 127 1,169 SH   DFND 2 1,169 0 0
ISHARES INTERNATIONAL SELECT OTHER 464288448 5 145 SH   SOLE   145 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 2,575 24,833 SH   DFND 2 24,833 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 119 1,150 SH   OTR 2 0 1,150 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 12 114 SH   SOLE   114 0 0
ISHARES U.S. AEROSPACE & DEF OTHER 464288760 34 175 SH   DFND 2 175 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 36 735 SH   DFND 2 735 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 177 2,781 SH   DFND 2 2,781 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 46 720 SH   OTR 2 0 720 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 16 255 SH   SOLE   255 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,517 28,981 SH   DFND 2 28,981 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,149 9,470 SH   OTR 2 0 9,470 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,245 18,500 SH   DFND 3 18,500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 18 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104 313 2,576 SH   SOLE   2,576 0 0
KELLOGG CO COMMON STOCK 487836108 13 190 SH   DFND 2 190 0 0
KELLOGG CO COMMON STOCK 487836108 130 1,855 SH   OTR 2 0 1,855 0
KEYCORP COMMON STOCK 493267108 20 1,012 SH   DFND 2 1,012 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 23 220 SH   DFND 2 220 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 5 50 SH   SOLE   50 0 0
KOHLS CORP COMMON STOCK 500255104 11 150 SH   DFND 2 150 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 79 1,258 SH   DFND 2 1,258 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 6 102 SH   OTR 2 0 102 0
KRAFT HEINZ CO COMMON STOCK 500754106 12 190 SH   SOLE   190 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102 6 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 273 3,195 SH   DFND 2 3,195 0 0
LILLY ELI & CO COMMON STOCK 532457108 201 2,350 SH   OTR 2 0 2,350 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 516 1,748 SH   DFND 2 1,748 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 23 77 SH   SOLE   77 0 0
LOWES COS INC COMMON STOCK 548661107 528 5,520 SH   DFND 2 5,520 0 0
LOWES COS INC COMMON STOCK 548661107 122 1,275 SH   OTR 2 0 1,275 0
LOWES COS INC COMMON STOCK 548661107 17 180 SH   SOLE   180 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 11 400 SH   DFND 2 400 0 0
MARATHON OIL CORP COMMON STOCK 565849106 6 264 SH   DFND 2 264 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 1,527 12,061 SH   DFND 2 12,061 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 131 1,035 SH   OTR 2 0 1,035 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 48 SH   OTR   0 48 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 185 1,458 SH   SOLE   1,458 0 0
MASCO CORP COMMON STOCK 574599106 1,509 40,327 SH   DFND 2 40,327 0 0
MASCO CORP COMMON STOCK 574599106 9 250 SH   OTR 2 0 250 0
MASCO CORP COMMON STOCK 574599106 2,058 55,000 SH   DFND 3 55,000 0 0
MASCO CORP COMMON STOCK 574599106 83 2,212 SH   SOLE   2,212 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 12 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 849 5,421 SH   DFND 2 5,421 0 0
MCDONALDS CORP COMMON STOCK 580135101 141 900 SH   OTR 2 0 900 0
MCDONALDS CORP COMMON STOCK 580135101 16 100 SH   OTR   0 100 0
MCDONALDS CORP COMMON STOCK 580135101 74 475 SH   SOLE   475 0 0
MICROSOFT CORP COMMON STOCK 594918104 5,945 60,283 SH   DFND 2 60,283 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,481 15,020 SH   OTR 2 0 15,020 0
MICROSOFT CORP COMMON STOCK 594918104 3,727 37,800 SH   DFND 3 37,800 0 0
MICROSOFT CORP COMMON STOCK 594918104 39 400 SH   OTR   0 400 0
MICROSOFT CORP COMMON STOCK 594918104 541 5,483 SH   SOLE   5,483 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 54 596 SH   SOLE   596 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 31 600 SH   DFND 2 600 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 8 207 SH   OTR 2 0 207 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 325 SH   SOLE   325 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,144 24,139 SH   DFND 2 24,139 0 0
MORGAN STANLEY COMMON STOCK 617446448 151 3,182 SH   OTR 2 0 3,182 0
MORGAN STANLEY COMMON STOCK 617446448 2,607 55,000 SH   DFND 3 55,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 150 3,154 SH   SOLE   3,154 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 22 565 SH   DFND 2 565 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 28 SH   DFND 2 28 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 36 840 SH   DFND 2 840 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 280 3,515 SH   DFND 2 3,515 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 425 5,330 SH   OTR 2 0 5,330 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,068 13,400 SH   DFND 3 13,400 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 40 500 SH   SOLE   500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 88 580 SH   DFND 2 580 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 113 750 SH   OTR 2 0 750 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 15 50 SH   DFND 2 50 0 0
NUCOR CORP COMMON STOCK 670346105 2 35 SH   DFND 2 35 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 441 5,266 SH   DFND 2 5,266 0 0
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OCCIDENTAL PETE CORP COMMON STOCK 674599105 33 395 SH   SOLE   395 0 0
PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 42 309 SH   DFND 2 309 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 46 440 SH   DFND 2 440 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 70 625 SH   OTR 2 0 625 0
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PAYCHEX INC COMMON STOCK 704326107 1,022 14,947 SH   DFND 2 14,947 0 0
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PEPSICO INC COMMON STOCK 713448108 2,313 21,243 SH   DFND 2 21,243 0 0
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PHILLIPS 66 COMMON STOCK 718546104 1,561 13,903 SH   DFND 2 13,903 0 0
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PROCTER & GAMBLE CO COMMON STOCK 742718109 1,210 15,500 SH   DFND 3 15,500 0 0
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PROCTER & GAMBLE CO COMMON STOCK 742718109 134 1,722 SH   SOLE   1,722 0 0
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QUALCOMM INC COMMON STOCK 747525103 13 240 SH   DFND 2 240 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 637 3,295 SH   DFND 2 3,295 0 0
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ROPER TECHNOLOGIES INC COMMON STOCK 776696106 31 111 SH   DFND 2 111 0 0
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SOUTHERN COMPANY COMMON STOCK 842587107 28 600 SH   OTR 2 0 600 0
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DIGIMARC CORP COMMON STOCK 25381B101 5 200 SH   DFND 2 200 0 0
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FORTIVE CORP COMMON STOCK 34959J108 41 532 SH   SOLE   532 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 21 400 SH   DFND 2 400 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 30 1,350 SH   DFND 2 1,350 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 47 1,200 SH   DFND 2 1,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,523 6,905 SH   DFND 2 6,905 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 73 330 SH   OTR 2 0 330 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,985 9,000 SH   DFND 3 9,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 123 557 SH   SOLE   557 0 0
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 1,913 26,005 SH   DFND 2 26,005 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 15 200 SH   OTR 2 0 200 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,739 23,650 SH   DFND 3 23,650 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 75 1,025 SH   SOLE   1,025 0 0
ISHARES SILVER TRUST OTHER 46428Q109 25 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 3,965 38,056 SH   DFND 2 38,056 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 797 7,653 SH   OTR 2 0 7,653 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,574 24,700 SH   DFND 3 24,700 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 399 3,826 SH   SOLE   3,826 0 0
KADANT INC COMMON STOCK 48282T104 78 809 SH   DFND 2 809 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
MALIBU BOATS INC COMMON STOCK 56117J100 17 400 SH   DFND 2 400 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH   DFND 2 236 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 17 240 SH   DFND 2 240 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 807 4,108 SH   DFND 2 4,108 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 30 155 SH   OTR 2 0 155 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 54 273 SH   SOLE   273 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,814 29,880 SH   DFND 2 29,880 0 0
MERCK & CO INC COMMON STOCK 58933Y105 228 3,750 SH   OTR 2 0 3,750 0
MERCK & CO INC COMMON STOCK 58933Y105 1,694 27,900 SH   DFND 3 27,900 0 0
MERCK & CO INC COMMON STOCK 58933Y105 203 3,341 SH   SOLE   3,341 0 0
METLIFE INC COMMON STOCK 59156R108 54 1,238 SH   DFND 2 1,238 0 0
METLIFE INC COMMON STOCK 59156R108 67 1,535 SH   OTR 2 0 1,535 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 27 475 SH   DFND 2 475 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,948 34,000 SH   DFND 3 34,000 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 8 300 SH   DFND 2 300 0 0
NETFLIX INC COMMON STOCK 64110L106 5,314 13,576 SH   DFND 2 13,576 0 0
NETFLIX INC COMMON STOCK 64110L106 104 265 SH   OTR 2 0 265 0
NETFLIX INC COMMON STOCK 64110L106 5,089 13,000 SH   DFND 3 13,000 0 0
NETFLIX INC COMMON STOCK 64110L106 562 1,436 SH   SOLE   1,436 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 12 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,034 6,190 SH   DFND 2 6,190 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 138 825 SH   OTR 2 0 825 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 125 748 SH   SOLE   748 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,450 6,119 SH   DFND 2 6,119 0 0
NVIDIA CORP COMMON STOCK 67066G104 84 353 SH   OTR 2 0 353 0
NVIDIA CORP COMMON STOCK 67066G104 1,185 5,000 SH   DFND 3 5,000 0 0
NVIDIA CORP COMMON STOCK 67066G104 43 180 SH   SOLE   180 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,823 41,384 SH   DFND 2 41,384 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 308 7,000 SH   OTR 2 0 7,000 0
ORACLE CORPORATION COMMON STOCK 68389X105 13 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105 114 2,586 SH   SOLE   2,586 0 0
PARAMOUNT GOLD NEVADA CORP COMMON STOCK 69924M109 0 2 SH   OTR 2 0 2 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 3,343 40,143 SH   DFND 2 40,143 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 42 500 SH   OTR 2 0 500 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 275 3,303 SH   SOLE   3,303 0 0
PRAXAIR INC COMMON STOCK 74005P104 211 1,337 SH   DFND 2 1,337 0 0
PRAXAIR INC COMMON STOCK 74005P104 43 275 SH   OTR 2 0 275 0
PRAXAIR INC COMMON STOCK 74005P104 522 3,300 SH   DFND 3 3,300 0 0
PRAXAIR INC COMMON STOCK 74005P104 13 80 SH   SOLE   80 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 501 4,315 SH   DFND 2 4,315 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 338 2,910 SH   OTR 2 0 2,910 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 29 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 40 347 SH   SOLE   347 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 71 650 SH   OTR 2 0 650 0
REGENERON PHARMACEUTICALS INC COMMON STOCK 75886F107 21 60 SH   DFND 2 60 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,756 28,589 SH   DFND 2 28,589 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 92 340 SH   OTR 2 0 340 0
SPDR GOLD TRUST OTHER 78463V107 20 166 SH   DFND 2 166 0 0
SPDR BLOOMBERG BARCLAYS INTL C OTHER 78464A151 53 1,575 SH   DFND 2 1,575 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 604 17,192 SH   DFND 2 17,192 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 392 13,224 SH   DFND 2 13,224 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 406 5,610 SH   DFND 2 5,610 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 12 165 SH   OTR 2 0 165 0
SPDR S&P TELECOM ETF OTHER 78464A540 32 441 SH   SOLE   441 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 38 1,260 SH   DFND 2 1,260 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 38 526 SH   DFND 2 526 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 203 3,750 SH   DFND 2 3,750 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 131 1,375 SH   DFND 2 1,375 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 10 100 SH   OTR 2 0 100 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 231 652 SH   DFND 2 652 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,468 10,765 SH   DFND 2 10,765 0 0
SALESFORCE.COM COMMON STOCK 79466L302 3,287 24,100 SH   DFND 3 24,100 0 0
SALESFORCE.COM COMMON STOCK 79466L302 224 1,641 SH   SOLE   1,641 0 0
SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH   OTR 2 0 2 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 668 11,505 SH   DFND 2 11,505 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 148 2,555 SH   OTR 2 0 2,555 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 77 1,334 SH   SOLE   1,334 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 373 4,468 SH   DFND 2 4,468 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 863 10,341 SH   OTR 2 0 10,341 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 66 790 SH   SOLE   790 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 109 2,115 SH   DFND 2 2,115 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 362 7,016 SH   OTR 2 0 7,016 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 22 435 SH   SOLE   435 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 286 2,616 SH   DFND 2 2,616 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 947 8,662 SH   OTR 2 0 8,662 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 77 700 SH   SOLE   700 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 147 1,936 SH   DFND 2 1,936 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 397 5,222 SH   OTR 2 0 5,222 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 24 320 SH   SOLE   320 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 431 16,195 SH   DFND 2 16,195 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 879 33,044 SH   OTR 2 0 33,044 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 235 3,280 SH   DFND 2 3,280 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 631 8,809 SH   OTR 2 0 8,809 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 48 665 SH   SOLE   665 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 617 8,876 SH   DFND 2 8,876 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,732 24,936 SH   OTR 2 0 24,936 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 125 1,795 SH   SOLE   1,795 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 2 59 SH   DFND 2 59 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 5 144 SH   SOLE   144 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 405 7,787 SH   DFND 2 7,787 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 89 1,713 SH   OTR 2 0 1,713 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 42 800 SH   SOLE   800 0 0
SERVICENOW INC COMMON STOCK 81762P102 5 30 SH   DFND 2 30 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 7 49 SH   DFND 2 49 0 0
TESLA INC COMMON STOCK 88160R101 847 2,471 SH   DFND 2 2,471 0 0
TESLA INC COMMON STOCK 88160R101 5 15 SH   OTR 2 0 15 0
TESLA INC COMMON STOCK 88160R101 46 133 SH   SOLE   133 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 1 100 SH   DFND 2 100 0 0
3M CO COMMON STOCK 88579Y101 951 4,833 SH   DFND 2 4,833 0 0
3M CO COMMON STOCK 88579Y101 443 2,250 SH   OTR 2 0 2,250 0
3M CO COMMON STOCK 88579Y101 846 4,300 SH   DFND 3 4,300 0 0
3M CO COMMON STOCK 88579Y101 123 625 SH   SOLE   625 0 0
TWITTER INC COMMON STOCK 90184L102 4 85 SH   DFND 2 85 0 0
TWITTER INC COMMON STOCK 90184L102 1,310 30,000 SH   DFND 3 30,000 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 11 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 576 2,348 SH   DFND 2 2,348 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 63 255 SH   OTR 2 0 255 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,067 12,500 SH   DFND 3 12,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 283 1,155 SH   SOLE   1,155 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 223 2,015 SH   DFND 2 2,015 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 90 812 SH   SOLE   812 0 0
VALVOLINE INC COMMON STOCK 92047W101 19 890 SH   DFND 2 890 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 30 250 SH   DFND 2 250 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,167 23,206 SH   DFND 2 23,206 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 282 5,604 SH   OTR 2 0 5,604 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 755 15,000 SH   DFND 3 15,000 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 110 2,179 SH   SOLE   2,179 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 5 30 SH   DFND 2 30 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 51 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 39 1,302 SH   OTR 2 0 1,302 0
VISA INC CL A COMMON STOCK 92826C839 3,943 29,769 SH   DFND 2 29,769 0 0
VISA INC CL A COMMON STOCK 92826C839 191 1,440 SH   OTR 2 0 1,440 0
VISA INC CL A COMMON STOCK 92826C839 6,781 51,200 SH   DFND 3 51,200 0 0
VISA INC CL A COMMON STOCK 92826C839 9 70 SH   OTR   0 70 0
VISA INC CL A COMMON STOCK 92826C839 419 3,164 SH   SOLE   3,164 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 26 400 SH   DFND 2 400 0 0
WESTROCK CO COMMON STOCK 96145D105 6 99 SH   DFND 2 99 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 28 720 SH   DFND 2 720 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 219 1,967 SH   DFND 2 1,967 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 42 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 8 75 SH   SOLE   75 0 0
ZOETIS INC COMMON STOCK 98978V103 298 3,500 SH   DFND 3 3,500 0 0
ALLERGAN PLC COMMON STOCK G0177J108 182 1,092 SH   DFND 2 1,092 0 0
ALLERGAN PLC COMMON STOCK G0177J108 25 150 SH   SOLE   150 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 23 140 SH   DFND 2 140 0 0
EATON CORP PLC COMMON STOCK G29183103 93 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 8 86 SH   DFND 2 86 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 24 710 SH   DFND 2 710 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 374 4,367 SH   DFND 2 4,367 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 84 982 SH   OTR 2 0 982 0
MEDTRONIC PLC COMMON STOCK G5960L103 10 122 SH   SOLE   122 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 13 1,000 SH   OTR 2 0 1,000 0
SPOTIFY TECHNOLOGY SA COMMON STOCK L8681T102 17 100 SH   DFND 2 100 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 753 7,711 SH   DFND 2 7,711 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 28 291 SH   SOLE   291 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 17 200 SH   DFND 2 200 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 11 100 SH   DFND 2 100 0 0