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 85 1,175 SH   OTR 2 0 1,175 0
ABBVIE INC COMMON STOCK 00287Y109 189 2,050 SH   OTR 2 0 2,050 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 22 135 SH   OTR 2 0 135 0
ALLSTATE CORP COMMON STOCK 020002101 91 1,106 SH   OTR 2 0 1,106 0
ALPHABET INC CL A COMMON STOCK 02079K305 357 342 SH   OTR 2 0 342 0
ALPHABET INC CL C COMMON STOCK 02079K107 166 160 SH   OTR 2 0 160 0
ALTRIA GROUP INC COMMON STOCK 02209S103 10 200 SH   OTR 2 0 200 0
AMAZON.COM INC COMMON STOCK 023135106 309 206 SH   OTR 2 0 206 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 132 1,380 SH   OTR 2 0 1,380 0
AMGEN INC COMMON STOCK 031162100 58 300 SH   OTR 2 0 300 0
APPLE INC COMMON STOCK 037833100 653 4,142 SH   OTR 2 0 4,142 0
AT&T INC COMMON STOCK 00206R102 120 4,206 SH   OTR 2 0 4,206 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 544 4,150 SH   OTR 2 0 4,150 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 69 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 135 2,050 SH   OTR 2 0 2,050 0
BB&T CORPORATION COMMON STOCK 054937107 4 100 SH   OTR 2 0 100 0
BECTON DICKINSON COMMON STOCK 075887109 64 285 SH   OTR 2 0 285 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 337 1,650 SH   OTR 2 0 1,650 0
BLACKROCK INC CL A COMMON STOCK 09247X101 79 200 SH   OTR 2 0 200 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 47 27 SH   OTR 2 0 27 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 90 1,725 SH   OTR 2 0 1,725 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 18 400 SH   OTR 2 0 400 0
CATERPILLAR INC COMMON STOCK 149123101 130 1,025 SH   OTR 2 0 1,025 0
CELGENE CORP COMMON STOCK 151020104 32 500 SH   OTR 2 0 500 0
CHEVRON CORPORATION COMMON STOCK 166764100 525 4,824 SH   OTR 2 0 4,824 0
CIGNA CORP COMMON STOCK 125523100 15 79 SH   OTR 2 0 79 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 49 1,135 SH   OTR 2 0 1,135 0
CLOROX COMPANY COMMON STOCK 189054109 31 200 SH   OTR 2 0 200 0
COCA COLA CO COMMON STOCK 191216100 85 1,805 SH   OTR 2 0 1,805 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 407 6,830 SH   OTR 2 0 6,830 0
COMCAST CORP-CL A COMMON STOCK 20030N101 14 400 SH   OTR 2 0 400 0
CONOCOPHILLIPS COMMON STOCK 20825C104 54 871 SH   OTR 2 0 871 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 46 287 SH   OTR 2 0 287 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 13 65 SH   OTR 2 0 65 0
CUMMINS INC COMMON STOCK 231021106 5 35 SH   OTR 2 0 35 0
CVS HEALTH CORP COMMON STOCK 126650100 26 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 16 151 SH   OTR 2 0 151 0
DISCOVER FINL SVCS COMMON STOCK 254709108 27 466 SH   OTR 2 0 466 0
DISNEY WALT CO NEW COMMON STOCK 254687106 185 1,687 SH   OTR 2 0 1,687 0
DOMINION ENERGY INC COMMON STOCK 25746U109 50 700 SH   OTR 2 0 700 0
DOWDUPONT INC COMMON STOCK 26078J100 78 1,466 SH   OTR 2 0 1,466 0
DTE ENERGY CO COMMON STOCK 233331107 46 415 SH   OTR 2 0 415 0
DUKE ENERGY CORP COMMON STOCK 26441C204 55 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 210 1,425 SH   OTR 2 0 1,425 0
EMERSON ELEC CO COMMON STOCK 291011104 195 3,270 SH   OTR 2 0 3,270 0
EOG RES INC COMMON STOCK 26875P101 3 35 SH   OTR 2 0 35 0
EXXONMOBIL CORP COMMON STOCK 30231G102 725 10,630 SH   OTR 2 0 10,630 0
FACEBOOK INC-A COMMON STOCK 30303M102 64 490 SH   OTR 2 0 490 0
FORD MOTOR CO DEL COMMON STOCK 345370860 15 2,000 SH   OTR 2 0 2,000 0
GARRETT MOTION INC COMMON STOCK 366505105 0 3 SH   OTR 2 0 3 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 17 105 SH   OTR 2 0 105 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 25 3,350 SH   OTR 2 0 3,350 0
GENERAL MLS INC COMMON STOCK 370334104 14 350 SH   OTR 2 0 350 0
GILEAD SCIENCES INC COMMON STOCK 375558103 44 710 SH   OTR 2 0 710 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 55 330 SH   OTR 2 0 330 0
HOME DEPOT INC COMMON STOCK 437076102 395 2,298 SH   OTR 2 0 2,298 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 100 755 SH   OTR 2 0 755 0
INTEL CORP COMMON STOCK 458140100 384 8,190 SH   OTR 2 0 8,190 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 15 200 SH   OTR 2 0 200 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 20 500 SH   OTR 2 0 500 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 670 5,898 SH   OTR 2 0 5,898 0
INTUIT INC COMMON STOCK 461202103 159 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 39 675 SH   OTR 2 0 675 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,219 9,445 SH   OTR 2 0 9,445 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 747 7,653 SH   OTR 2 0 7,653 0
KELLOGG CO COMMON STOCK 487836108 106 1,855 SH   OTR 2 0 1,855 0
KRAFT HEINZ CO COMMON STOCK 500754106 4 102 SH   OTR 2 0 102 0
LILLY ELI & CO COMMON STOCK 532457108 272 2,350 SH   OTR 2 0 2,350 0
LOWES COS INC COMMON STOCK 548661107 113 1,225 SH   OTR 2 0 1,225 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 112 1,035 SH   OTR 2 0 1,035 0
MASCO CORP COMMON STOCK 574599106 7 250 SH   OTR 2 0 250 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 29 155 SH   OTR 2 0 155 0
MCDONALDS CORP COMMON STOCK 580135101 160 900 SH   OTR 2 0 900 0
MERCK & CO INC COMMON STOCK 58933Y105 287 3,750 SH   OTR 2 0 3,750 0
METLIFE INC COMMON STOCK 59156R108 63 1,535 SH   OTR 2 0 1,535 0
MICROSOFT CORP COMMON STOCK 594918104 1,368 13,470 SH   OTR 2 0 13,470 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 8 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 126 3,182 SH   OTR 2 0 3,182 0
NETFLIX INC COMMON STOCK 64110L106 71 265 SH   OTR 2 0 265 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 143 825 SH   OTR 2 0 825 0
NIKE INC-CLASS B COMMON STOCK 654106103 395 5,330 SH   OTR 2 0 5,330 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 112 750 SH   OTR 2 0 750 0
NVIDIA CORP COMMON STOCK 67066G104 47 353 SH   OTR 2 0 353 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 6 100 SH   OTR 2 0 100 0
ORACLE CORPORATION COMMON STOCK 68389X105 316 7,000 SH   OTR 2 0 7,000 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 52 625 SH   OTR 2 0 625 0
PARAMOUNT GOLD NEVADA CORP COMMON STOCK 69924M109 0 2 SH   OTR 2 0 2 0
PAYCHEX INC COMMON STOCK 704326107 65 1,000 SH   OTR 2 0 1,000 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 38 450 SH   OTR 2 0 450 0
PEPSICO INC COMMON STOCK 713448108 671 6,075 SH   OTR 2 0 6,075 0
PFIZER INC COMMON STOCK 717081103 490 11,235 SH   OTR 2 0 11,235 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 7 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 3 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 529 5,754 SH   OTR 2 0 5,754 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 69 850 SH   OTR 2 0 850 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 54 650 SH   OTR 2 0 650 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 5 SH   OTR 2 0 5 0
SEMPRA ENERGY COMMON STOCK 816851109 27 245 SH   OTR 2 0 245 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 50 300 SH   OTR 2 0 300 0
SOUTHERN COMPANY COMMON STOCK 842587107 26 600 SH   OTR 2 0 600 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 14 295 SH   OTR 2 0 295 0
STARBUCKS CORP COMMON STOCK 855244109 128 1,985 SH   OTR 2 0 1,985 0
STATE STREET CORP COMMON STOCK 857477103 62 979 SH   OTR 2 0 979 0
STRYKER CORPORATION COMMON STOCK 863667101 213 1,360 SH   OTR 2 0 1,360 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 260 2,819 SH   OTR 2 0 2,819 0
TESLA INC COMMON STOCK 88160R101 5 15 SH   OTR 2 0 15 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 80 359 SH   OTR 2 0 359 0
TJX COS INC COMMON STOCK 872540109 76 1,700 SH   OTR 2 0 1,700 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1 82 SH   OTR 2 0 82 0
UNION PAC CORP COMMON STOCK 907818108 53 380 SH   OTR 2 0 380 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 83 850 SH   OTR 2 0 850 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 785 7,375 SH   OTR 2 0 7,375 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 64 255 SH   OTR 2 0 255 0
US BANCORP NEW COMMON STOCK 902973304 234 5,125 SH   OTR 2 0 5,125 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 315 5,604 SH   OTR 2 0 5,604 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 50 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 33 1,302 SH   OTR 2 0 1,302 0
VISA INC CL A COMMON STOCK 92826C839 190 1,440 SH   OTR 2 0 1,440 0
WALMART INC COMMON STOCK 931142103 47 500 SH   OTR 2 0 500 0
WELLS FARGO & CO COMMON STOCK 949746101 70 1,525 SH   OTR 2 0 1,525 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 39 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 429 2,250 SH   OTR 2 0 2,250 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 618 19,290 SH   OTR 2 0 19,290 0
EATON CORP PLC COMMON STOCK G29183103 86 1,250 SH   OTR 2 0 1,250 0
LINDE PLC COMMON STOCK G5494J103 43 275 SH   OTR 2 0 275 0
MEDTRONIC PLC COMMON STOCK G5960L103 89 982 SH   OTR 2 0 982 0
SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH   OTR 2 0 2 0
SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 104 2,084 SH   OTR 2 0 2,084 0
TRANSOCEAN LTD COMMON STOCK H8817H100 7 1,000 SH   OTR 2 0 1,000 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 757 7,643 SH   OTR 2 0 7,643 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 295 5,802 SH   OTR 2 0 5,802 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 297 5,179 SH   OTR 2 0 5,179 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 788 33,100 SH   OTR 2 0 33,100 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 855 9,886 SH   OTR 2 0 9,886 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 572 8,881 SH   OTR 2 0 8,881 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 414 6,522 SH   OTR 2 0 6,522 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 229 5,851 SH   OTR 2 0 5,851 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 23 500 SH   OTR 2 0 500 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 194 2,796 SH   OTR 2 0 2,796 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 21 127 SH   OTR 2 0 127 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 108 2,139 SH   OTR 2 0 2,139 0
SPDR S&P BIOTECH ETF OTHER 78464A870 7 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 4 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 85 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,389 22,407 SH   OTR 2 0 22,407 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 76 1,439 SH   OTR 2 0 1,439 0
VANGUARD S&P 500 ETF OTHER 922908363 40 173 SH   OTR 2 0 173 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH   OTR 2 0 500 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 271 2,542 SH   OTR 2 0 2,542 0
ISHARES SHORT-TERM CORPORATE B OTHER 464288646 119 2,300 SH   OTR 2 0 2,300 0
ABBOTT LABS COMMON STOCK 002824100 734 10,150 SH   DFND 2 10,150 0 0
ABBVIE INC COMMON STOCK 00287Y109 661 7,171 SH   DFND 2 7,171 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 40 862 SH   DFND 2 862 0 0
ADOBE INC COMMON STOCK 00724F101 1,099 4,856 SH   DFND 2 4,856 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 33 205 SH   DFND 2 205 0 0
ALCOA CORP COMMON STOCK 013872106 11 420 SH   DFND 2 420 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 16 1,629 SH   DFND 2 1,629 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 4,915 4,704 SH   DFND 2 4,704 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,503 1,451 SH   DFND 2 1,451 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 442 8,942 SH   DFND 2 8,942 0 0
AMAZON.COM INC COMMON STOCK 023135106 5,083 3,384 SH   DFND 2 3,384 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 38 502 SH   DFND 2 502 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 283 2,965 SH   DFND 2 2,965 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 241 6,107 SH   DFND 2 6,107 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 18 200 SH   DFND 2 200 0 0
AMGEN INC COMMON STOCK 031162100 2,459 12,632 SH   DFND 2 12,632 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101 3 37 SH   DFND 2 37 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 51 1,152 SH   DFND 2 1,152 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 18 210 SH   DFND 2 210 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 38 14,000 SH   DFND 2 14,000 0 0
APPLE INC COMMON STOCK 037833100 5,905 37,433 SH   DFND 2 37,433 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 103 3,150 SH   DFND 2 3,150 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 37 1,082 SH   DFND 2 1,082 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH   DFND 2 200 0 0
ARCOSA INC COMMON STOCK 039653100 1 33 SH   DFND 2 33 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 33 460 SH   DFND 2 460 0 0
AT&T INC COMMON STOCK 00206R102 383 13,428 SH   DFND 2 13,428 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 252 1,920 SH   DFND 2 1,920 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 610 24,750 SH   DFND 2 24,750 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 237 5,027 SH   DFND 2 5,027 0 0
BAXTER INTL INC COMMON STOCK 071813109 124 1,890 SH   DFND 2 1,890 0 0
BB&T CORPORATION COMMON STOCK 054937107 101 2,325 SH   DFND 2 2,325 0 0
BECTON DICKINSON COMMON STOCK 075887109 73 325 SH   DFND 2 325 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,433 16,812 SH   DFND 2 16,812 0 0
BLACK KNIGHT INC COMMON STOCK 09215C105 41 918 SH   DFND 2 918 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,850 4,709 SH   DFND 2 4,709 0 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 24 800 SH   DFND 2 800 0 0
BOEING CO COMMON STOCK 097023105 706 2,190 SH   DFND 2 2,190 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 1,176 683 SH   DFND 2 683 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,417 27,260 SH   DFND 2 27,260 0 0
CANNAE HOLDINGS INC COMMON STOCK 13765N107 17 998 SH   DFND 2 998 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 69 916 SH   DFND 2 916 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 103 2,320 SH   DFND 2 2,320 0 0
CATERPILLAR INC COMMON STOCK 149123101 302 2,380 SH   DFND 2 2,380 0 0
CELGENE CORP COMMON STOCK 151020104 432 6,744 SH   DFND 2 6,744 0 0
CENTURYLINK INC COMMON STOCK 156700106 1 33 SH   DFND 2 33 0 0
CERNER CORP COMMON STOCK 156782104 319 6,077 SH   DFND 2 6,077 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 102 2,451 SH   DFND 2 2,451 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 17 400 SH   DFND 2 400 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,074 19,066 SH   DFND 2 19,066 0 0
CIGNA CORP COMMON STOCK 125523100 41 217 SH   DFND 2 217 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,353 31,220 SH   DFND 2 31,220 0 0
CITIGROUP INC COMMON STOCK 172967424 29 562 SH   DFND 2 562 0 0
CLOROX COMPANY COMMON STOCK 189054109 95 617 SH   DFND 2 617 0 0
CME GROUP INC COMMON STOCK 12572Q105 55 290 SH   DFND 2 290 0 0
CMS ENERGY CORP COMMON STOCK 125896100 6 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100 1,526 32,224 SH   DFND 2 32,224 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 325 5,452 SH   DFND 2 5,452 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 186 5,463 SH   DFND 2 5,463 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 378 6,484 SH   DFND 2 6,484 0 0
CONAGRA BRANDS INC COMMON STOCK 205887102 2 87 SH   DFND 2 87 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 13 200 SH   DFND 2 200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 444 7,128 SH   DFND 2 7,128 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 72 939 SH   DFND 2 939 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,237 7,692 SH   DFND 2 7,692 0 0
COOPER TIRE & RUBBER CO COMMON STOCK 216831107 16 500 SH   DFND 2 500 0 0
CORNING INC COMMON STOCK 219350105 66 2,200 SH   DFND 2 2,200 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 759 3,727 SH   DFND 2 3,727 0 0
CSX CORP COMMON STOCK 126408103 11 180 SH   DFND 2 180 0 0
CUMMINS INC COMMON STOCK 231021106 568 4,252 SH   DFND 2 4,252 0 0
CVS HEALTH CORP COMMON STOCK 126650100 557 8,505 SH   DFND 2 8,505 0 0
DANAHER CORP COMMON STOCK 235851102 133 1,293 SH   DFND 2 1,293 0 0
DEERE & CO COMMON STOCK 244199105 154 1,030 SH   DFND 2 1,030 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 2 38 SH   DFND 2 38 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,752 25,099 SH   DFND 2 25,099 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 13 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 729 8,075 SH   DFND 2 8,075 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 316 4,417 SH   DFND 2 4,417 0 0
DONALDSON INC COMMON STOCK 257651109 9 210 SH   DFND 2 210 0 0
DOWDUPONT INC COMMON STOCK 26078J100 634 11,857 SH   DFND 2 11,857 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 100 1,153 SH   DFND 2 1,153 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 28 430 SH   DFND 2 430 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 3 37 SH   DFND 2 37 0 0
EBAY INC COMMON STOCK 278642103 30 1,060 SH   DFND 2 1,060 0 0
ECOLAB INC COMMON STOCK 278865100 690 4,682 SH   DFND 2 4,682 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 20 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 4 55 SH   DFND 2 55 0 0
EMERSON ELEC CO COMMON STOCK 291011104 309 5,168 SH   DFND 2 5,168 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 2 74 SH   DFND 2 74 0 0
EOG RES INC COMMON STOCK 26875P101 576 6,610 SH   DFND 2 6,610 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 2,594 38,039 SH   DFND 2 38,039 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,383 10,547 SH   DFND 2 10,547 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 12 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 471 2,920 SH   DFND 2 2,920 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 30 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 363 4,935 SH   DFND 2 4,935 0 0
FNF GROUP COMMON STOCK 31620R303 94 3,000 SH   DFND 2 3,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 5 650 SH   DFND 2 650 0 0
FORTIVE CORP COMMON STOCK 34959J108 456 6,739 SH   DFND 2 6,739 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 15 400 SH   DFND 2 400 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A306 0 4 SH   DFND 2 4 0 0
F5 NETWORKS INC COMMON STOCK 315616102 45 280 SH   DFND 2 280 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 993 6,318 SH   DFND 2 6,318 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 211 27,930 SH   DFND 2 27,930 0 0
GENERAL MLS INC COMMON STOCK 370334104 417 10,701 SH   DFND 2 10,701 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 24 725 SH   DFND 2 725 0 0
GENUINE PARTS CO COMMON STOCK 372460105 20 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 369 5,907 SH   DFND 2 5,907 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,028 6,156 SH   DFND 2 6,156 0 0
GRAINGER W W INC COMMON STOCK 384802104 34 120 SH   DFND 2 120 0 0
GRUBHUB INC COMMON STOCK 400110102 46 600 SH   DFND 2 600 0 0
HALLIBURTON CO COMMON STOCK 406216101 41 1,555 SH   DFND 2 1,555 0 0
HARRIS CORP COMMON STOCK 413875105 3 25 SH   DFND 2 25 0 0
HARTFORD FINL SERVICES GROUP I COMMON STOCK 416515104 4 100 SH   DFND 2 100 0 0
HASBRO INC COMMON STOCK 418056107 4 53 SH   DFND 2 53 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 85 2,319 SH   DFND 2 2,319 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 7 150 SH   DFND 2 150 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 0 1 SH   DFND 2 1 0 0
HEXCEL CORP COMMON STOCK 428291108 44 775 SH   DFND 2 775 0 0
HOLLYFRONTIER CORP COMMON STOCK 436106108 3 50 SH   DFND 2 50 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,036 17,669 SH   DFND 2 17,669 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,869 14,145 SH   DFND 2 14,145 0 0
HORMEL FOODS CORP COMMON STOCK 440452100 3 80 SH   DFND 2 80 0 0
HUMANA INC COMMON STOCK 444859102 17 60 SH   DFND 2 60 0 0
HUNT JB TRANSPORT SERVICES INC COMMON STOCK 445658107 12 125 SH   DFND 2 125 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 65 515 SH   DFND 2 515 0 0
INTEL CORP COMMON STOCK 458140100 1,908 40,662 SH   DFND 2 40,662 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,077 27,577 SH   DFND 2 27,577 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 732 5,454 SH   DFND 2 5,454 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 76 1,875 SH   DFND 2 1,875 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 406 3,573 SH   DFND 2 3,573 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 96 200 SH   DFND 2 200 0 0
J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 1 172 SH   DFND 2 172 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 15 120 SH   DFND 2 120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 159 2,726 SH   DFND 2 2,726 0 0
JM SMUCKER CO COMMON STOCK 832696405 5 50 SH   DFND 2 50 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,767 29,188 SH   DFND 2 29,188 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,697 37,870 SH   DFND 2 37,870 0 0
KADANT INC COMMON STOCK 48282T104 66 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108 11 190 SH   DFND 2 190 0 0
KEYCORP COMMON STOCK 493267108 12 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 25 220 SH   DFND 2 220 0 0
KOHLS CORP COMMON STOCK 500255104 5 75 SH   DFND 2 75 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 12 289 SH   DFND 2 289 0 0
LEIDOS HOLDINGS INC COMMON STOCK 525327102 5 100 SH   DFND 2 100 0 0
LENNAR CORP CL A COMMON STOCK 526057104 2 50 SH   DFND 2 50 0 0
LILLY ELI & CO COMMON STOCK 532457108 360 3,107 SH   DFND 2 3,107 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 579 2,213 SH   DFND 2 2,213 0 0
LOWES COS INC COMMON STOCK 548661107 472 5,110 SH   DFND 2 5,110 0 0
MARATHON OIL CORP COMMON STOCK 565849106 4 264 SH   DFND 2 264 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 14 240 SH   DFND 2 240 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 1,298 11,952 SH   DFND 2 11,952 0 0
MASCO CORP COMMON STOCK 574599106 1,070 36,608 SH   DFND 2 36,608 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 859 4,554 SH   DFND 2 4,554 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 17 120 SH   DFND 2 120 0 0
MCDONALDS CORP COMMON STOCK 580135101 942 5,304 SH   DFND 2 5,304 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 10 400 SH   DFND 2 400 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,381 31,157 SH   DFND 2 31,157 0 0
METLIFE INC COMMON STOCK 59156R108 57 1,400 SH   DFND 2 1,400 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 16 500 SH   DFND 2 500 0 0
MICROSOFT CORP COMMON STOCK 594918104 6,252 61,552 SH   DFND 2 61,552 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 5 123 SH   DFND 2 123 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 54 1,090 SH   DFND 2 1,090 0 0
MORGAN STANLEY COMMON STOCK 617446448 949 23,940 SH   DFND 2 23,940 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 30 1,150 SH   DFND 2 1,150 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 20 565 SH   DFND 2 565 0 0
NETFLIX INC COMMON STOCK 64110L106 3,443 12,864 SH   DFND 2 12,864 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 9 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,041 5,987 SH   DFND 2 5,987 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 333 4,495 SH   DFND 2 4,495 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 79 530 SH   DFND 2 530 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 12 50 SH   DFND 2 50 0 0
NUCOR CORP COMMON STOCK 670346105 2 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104 578 4,326 SH   DFND 2 4,326 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 344 5,599 SH   DFND 2 5,599 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,868 41,376 SH   DFND 2 41,376 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 4 25 SH   DFND 2 25 0 0
PAYCHEX INC COMMON STOCK 704326107 999 15,333 SH   DFND 2 15,333 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 3,240 38,528 SH   DFND 2 38,528 0 0
PEPSICO INC COMMON STOCK 713448108 2,368 21,434 SH   DFND 2 21,434 0 0
PFIZER INC COMMON STOCK 717081103 2,721 62,347 SH   DFND 2 62,347 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 576 8,633 SH   DFND 2 8,633 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,290 14,975 SH   DFND 2 14,975 0 0
PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 36 309 SH   DFND 2 309 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 49 476 SH   DFND 2 476 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,422 26,354 SH   DFND 2 26,354 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 276 3,389 SH   DFND 2 3,389 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 3 62 SH   DFND 2 62 0 0
QUALCOMM INC COMMON STOCK 747525103 14 240 SH   DFND 2 240 0 0
QUANTUM CORP COMMON STOCK 747906501 0 12 SH   DFND 2 12 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 532 3,469 SH   DFND 2 3,469 0 0
RED HAT INC COMMON STOCK 756577102 321 1,830 SH   DFND 2 1,830 0 0
REGENERON PHARMACEUTICALS INC COMMON STOCK 75886F107 22 60 SH   DFND 2 60 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 14 SH   DFND 2 14 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 32 120 SH   DFND 2 120 0 0
ROSS STORES INC COMMON STOCK 778296103 35 420 SH   DFND 2 420 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,454 10,616 SH   DFND 2 10,616 0 0
SEMPRA ENERGY COMMON STOCK 816851109 118 1,095 SH   DFND 2 1,095 0 0
SERVICENOW INC COMMON STOCK 81762P102 5 30 SH   DFND 2 30 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 85 215 SH   DFND 2 215 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 81 485 SH   DFND 2 485 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 19 450 SH   DFND 2 450 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 39 881 SH   DFND 2 881 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 996 21,419 SH   DFND 2 21,419 0 0
SQUARE INC CL A COMMON STOCK 852234103 17 300 SH   DFND 2 300 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,636 25,401 SH   DFND 2 25,401 0 0
STATE STREET CORP COMMON STOCK 857477103 504 7,984 SH   DFND 2 7,984 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,038 13,001 SH   DFND 2 13,001 0 0
STURM RUGER & CO INC COMMON STOCK 864159108 19 350 SH   DFND 2 350 0 0
SYSCO CORP COMMON STOCK 871829107 35 552 SH   DFND 2 552 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 398 4,315 SH   DFND 2 4,315 0 0
TARGET CORP COMMON STOCK 87612E106 13 197 SH   DFND 2 197 0 0
TESLA INC COMMON STOCK 88160R101 712 2,138 SH   DFND 2 2,138 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 316 3,347 SH   DFND 2 3,347 0 0
THE CHEMOURS COMPANY COMMON STOCK 163851108 6 225 SH   DFND 2 225 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 129 1,200 SH   DFND 2 1,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,753 7,835 SH   DFND 2 7,835 0 0
TJX COS INC COMMON STOCK 872540109 876 19,577 SH   DFND 2 19,577 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 23 300 SH   DFND 2 300 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 49 407 SH   DFND 2 407 0 0
TRINITY INDUSTRIES INC COMMON STOCK 896522109 2 100 SH   DFND 2 100 0 0
TWITTER INC COMMON STOCK 90184L102 2 85 SH   DFND 2 85 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 2 100 SH   DFND 2 100 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 18 1,010 SH   DFND 2 1,010 0 0
UNION PAC CORP COMMON STOCK 907818108 2,046 14,804 SH   DFND 2 14,804 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 228 2,336 SH   DFND 2 2,336 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,527 14,338 SH   DFND 2 14,338 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 11 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 770 3,090 SH   DFND 2 3,090 0 0
US BANCORP NEW COMMON STOCK 902973304 1,266 27,705 SH   DFND 2 27,705 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 194 2,585 SH   DFND 2 2,585 0 0
VALVOLINE INC COMMON STOCK 92047W101 17 890 SH   DFND 2 890 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,778 31,628 SH   DFND 2 31,628 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 5 30 SH   DFND 2 30 0 0
VISA INC CL A COMMON STOCK 92826C839 3,799 28,790 SH   DFND 2 28,790 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 425 4,298 SH   DFND 2 4,298 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 7 100 SH   DFND 2 100 0 0
WALMART INC COMMON STOCK 931142103 372 3,992 SH   DFND 2 3,992 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 7 77 SH   DFND 2 77 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 28 400 SH   DFND 2 400 0 0
WELLS FARGO & CO COMMON STOCK 949746101 432 9,371 SH   DFND 2 9,371 0 0
WESTROCK CO COMMON STOCK 96145D105 23 599 SH   DFND 2 599 0 0
WILLIAMS COS INC COMMON STOCK 969457100 132 5,979 SH   DFND 2 5,979 0 0
WORLD WRESTLING ENTERTAINMENT COMMON STOCK 98156Q108 15 200 SH   DFND 2 200 0 0
WYNDHAM DESTINATIONS INC COMMON STOCK 98310W108 1 37 SH   DFND 2 37 0 0
WYNDHAM HOTELS & RESORTS INC COMMON STOCK 98311A105 2 37 SH   DFND 2 37 0 0
WYNN RESORTS LTD COMMON STOCK 983134107 12 125 SH   DFND 2 125 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 24 720 SH   DFND 2 720 0 0
YUM! BRANDS INC COMMON STOCK 988498101 66 720 SH   DFND 2 720 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 261 2,512 SH   DFND 2 2,512 0 0
ZOETIS INC COMMON STOCK 98978V103 41 485 SH   DFND 2 485 0 0
3M CO COMMON STOCK 88579Y101 913 4,793 SH   DFND 2 4,793 0 0
ALIBABA GROUP HOLDING LTD SPON COMMON STOCK 01609W102 20 145 SH   DFND 2 145 0 0
ANHEUSER-BUSCH INBEV SPONS ADR COMMON STOCK 03524A108 2 24 SH   DFND 2 24 0 0
ARCELORMITTAL SA SPONS ADR COMMON STOCK 03938L203 3 154 SH   DFND 2 154 0 0
BAOZUN INC SPONS ADR COMMON STOCK 06684L103 4 126 SH   DFND 2 126 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 80 2,122 SH   DFND 2 2,122 0 0
GW PHARMACEUTICALS PLC SPONS A COMMON STOCK 36197T103 2 20 SH   DFND 2 20 0 0
KONINKLIJKE PHILIPS NV SPONS A COMMON STOCK 500472303 49 1,400 SH   DFND 2 1,400 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 1 28 SH   DFND 2 28 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 63 1,086 SH   DFND 2 1,086 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 7 343 SH   DFND 2 343 0 0
AGNC INVESTMENT CORP REIT COMMON STOCK 00123Q104 4 200 SH   DFND 2 200 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 3 22 SH   DFND 2 22 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   DFND 2 30 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 4 260 SH   DFND 2 260 0 0
INNOVATIVE INDUSTRIAL PROP CL COMMON STOCK 45781V101 2 50 SH   DFND 2 50 0 0
PARK HOTELS & RESORTS INC REIT COMMON STOCK 700517105 3 112 SH   DFND 2 112 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 57 2,591 SH   DFND 2 2,591 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 43,450 1,356,974 SH   DFND 2 1,356,974 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 20 140 SH   DFND 2 140 0 0
ALLERGAN PLC COMMON STOCK G0177J108 166 1,242 SH   DFND 2 1,242 0 0
BANK OF MONTREAL COMMON STOCK 063671101 5 75 SH   DFND 2 75 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 4 300 SH   DFND 2 300 0 0
CANOPY GROWTH CORP COMMON STOCK 138035100 2 83 SH   DFND 2 83 0 0
CARNIVAL CORP COMMON STOCK 143658300 59 1,200 SH   DFND 2 1,200 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 610 5,943 SH   DFND 2 5,943 0 0
CRONOS GROUP INC COMMON STOCK 22717L101 3 242 SH   DFND 2 242 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 8 86 SH   DFND 2 86 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 21 710 SH   DFND 2 710 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 8 100 SH   DFND 2 100 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 3 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 408 4,490 SH   DFND 2 4,490 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 7 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 202 5,595 SH   DFND 2 5,595 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 12 85 SH   DFND 2 85 0 0
SPOTIFY TECHNOLOGY SA COMMON STOCK L8681T102 11 100 SH   DFND 2 100 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 9 191 SH   DFND 2 191 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 99 1,982 SH   DFND 2 1,982 0 0
ALPS SECTOR DIVIDEND DOGS ETF OTHER 00162Q858 121 3,085 SH   DFND 2 3,085 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 241 2,433 SH   DFND 2 2,433 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 95 1,876 SH   DFND 2 1,876 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 110 1,926 SH   DFND 2 1,926 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 372 15,636 SH   DFND 2 15,636 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 25 1,350 SH   DFND 2 1,350 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 377 4,353 SH   DFND 2 4,353 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 204 3,164 SH   DFND 2 3,164 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 75 300 SH   DFND 2 300 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 51 809 SH   DFND 2 809 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 49 842 SH   DFND 2 842 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 55 1,402 SH   DFND 2 1,402 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 783 16,844 SH   DFND 2 16,844 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 583 4,356 SH   DFND 2 4,356 0 0
ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 130 775 SH   DFND 2 775 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 6,257 90,267 SH   DFND 2 90,267 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 4,188 25,219 SH   DFND 2 25,219 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 369 3,650 SH   DFND 2 3,650 0 0
ISHARES U.S. AEROSPACE & DEF OTHER 464288760 25 145 SH   DFND 2 145 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 29 735 SH   DFND 2 735 0 0
ISHARES US UTILITIES ETF OTHER 464287697 32 235 SH   DFND 2 235 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 621 12,284 SH   DFND 2 12,284 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 2 59 SH   DFND 2 59 0 0
SPDR GOLD TRUST OTHER 78463V107 12 100 SH   DFND 2 100 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 455 14,012 SH   DFND 2 14,012 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 2,654 97,730 SH   DFND 2 97,730 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 99 1,375 SH   DFND 2 1,375 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 36 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 149 492 SH   DFND 2 492 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 233 3,710 SH   DFND 2 3,710 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 172 3,750 SH   DFND 2 3,750 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,171 28,693 SH   DFND 2 28,693 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 32 526 SH   DFND 2 526 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 534 8,608 SH   DFND 2 8,608 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 394 7,448 SH   DFND 2 7,448 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 28 250 SH   DFND 2 250 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 177 4,772 SH   DFND 2 4,772 0 0
VANGUARD GROWTH ETF OTHER 922908736 75 556 SH   DFND 2 556 0 0
VANGUARD MID-CAP ETF OTHER 922908629 195 1,408 SH   DFND 2 1,408 0 0
VANGUARD MID-CAP GROWTH ETF OTHER 922908538 284 2,375 SH   DFND 2 2,375 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 328 4,398 SH   DFND 2 4,398 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 11 100 SH   DFND 2 100 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 396 4,734 SH   DFND 2 4,734 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 11,336 106,455 SH   DFND 2 106,455 0 0
ISHARES SHORT-TERM CORPORATE B OTHER 464288646 2,304 44,616 SH   DFND 2 44,616 0 0
SPDR BLOOMBERG BARCLAYS INTL C OTHER 78464A151 73 2,210 SH   DFND 2 2,210 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 127 1,169 SH   DFND 2 1,169 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,434 80,948 SH   DFND 2 80,948 0 0
ABBOTT LABS COMMON STOCK 002824100 14 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 18 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 29 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 15 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 17 105 SH   OTR   0 105 0
AT&T INC COMMON STOCK 00206R102 9 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 13 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 21 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 17 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 12 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 10 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 22 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 14 200 SH   OTR   0 200 0
DOWDUPONT INC COMMON STOCK 26078J100 11 200 SH   OTR   0 200 0
EXXONMOBIL CORP COMMON STOCK 30231G102 15 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 4 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 17 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 19 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 11 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 19 150 SH   OTR   0 150 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 5 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 18 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 41 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 14 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 17 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 14 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 23 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 18 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 9 70 SH   OTR   0 70 0
WELLS FARGO & CO COMMON STOCK 949746101 28 600 SH   OTR   0 600 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 36 559 SH   OTR   0 559 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 53 1,359 SH   OTR   0 1,359 0
ABBOTT LABS COMMON STOCK 002824100 10 143 SH   SOLE   143 0 0
ABBVIE INC COMMON STOCK 00287Y109 7 75 SH   SOLE   75 0 0
ADOBE INC COMMON STOCK 00724F101 37 163 SH   SOLE   163 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 534 511 SH   SOLE   511 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 67 65 SH   SOLE   65 0 0
ALTABA INC COMMON STOCK 021346101 6 100 SH   SOLE   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 28 576 SH   SOLE   576 0 0
AMAZON.COM INC COMMON STOCK 023135106 518 345 SH   SOLE   345 0 0
AMERICAN AIRLINES GROUP INC COMMON STOCK 02376R102 48 1,488 SH   SOLE   1,488 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH   SOLE   300 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 13 340 SH   SOLE   340 0 0
AMGEN INC COMMON STOCK 031162100 224 1,153 SH   SOLE   1,153 0 0
APPLE INC COMMON STOCK 037833100 730 4,627 SH   SOLE   4,627 0 0
AT&T INC COMMON STOCK 00206R102 12 436 SH   SOLE   436 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 54 415 SH   SOLE   415 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 163 6,600 SH   SOLE   6,600 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 9 190 SH   SOLE   190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 262 1,281 SH   SOLE   1,281 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 78 198 SH   SOLE   198 0 0
BOEING CO COMMON STOCK 097023105 16 50 SH   SOLE   50 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 47 27 SH   SOLE   27 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 112 2,149 SH   SOLE   2,149 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 76 1,000 SH   SOLE   1,000 0 0
CELGENE CORP COMMON STOCK 151020104 40 620 SH   SOLE   620 0 0
CERNER CORP COMMON STOCK 156782104 17 324 SH   SOLE   324 0 0
CHENIERE ENERGY INC COMMON STOCK 16411R208 17 280 SH   SOLE   280 0 0
CHENIERE ENERGY PARTNERS LP COMMON STOCK 16411Q101 36 1,000 SH   SOLE   1,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 177 1,623 SH   SOLE   1,623 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 22 500 SH   SOLE   500 0 0
CITIGROUP INC COMMON STOCK 172967424 52 1,000 SH   SOLE   1,000 0 0
COCA COLA CO COMMON STOCK 191216100 131 2,775 SH   SOLE   2,775 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 40 670 SH   SOLE   670 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 56 895 SH   SOLE   895 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 130 809 SH   SOLE   809 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 146 717 SH   SOLE   717 0 0
CUMMINS INC COMMON STOCK 231021106 21 160 SH   SOLE   160 0 0
CVS HEALTH CORP COMMON STOCK 126650100 23 358 SH   SOLE   358 0 0
DANAHER CORP COMMON STOCK 235851102 9 89 SH   SOLE   89 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 231 2,110 SH   SOLE   2,110 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 19 260 SH   SOLE   260 0 0
DOWDUPONT INC COMMON STOCK 26078J100 25 474 SH   SOLE   474 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 6 100 SH   SOLE   100 0 0
ECOLAB INC COMMON STOCK 278865100 73 494 SH   SOLE   494 0 0
EMERSON ELEC CO COMMON STOCK 291011104 12 200 SH   SOLE   200 0 0
EOG RES INC COMMON STOCK 26875P101 44 499 SH   SOLE   499 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 248 3,639 SH   SOLE   3,639 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 171 1,304 SH   SOLE   1,304 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 90 555 SH   SOLE   555 0 0
FORTIVE CORP COMMON STOCK 34959J108 22 332 SH   SOLE   332 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 37 238 SH   SOLE   238 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 44 5,750 SH   SOLE   5,750 0 0
GENERAL MLS INC COMMON STOCK 370334104 39 1,002 SH   SOLE   1,002 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 70 1,122 SH   SOLE   1,122 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 83 496 SH   SOLE   496 0 0
HOME DEPOT INC COMMON STOCK 437076102 231 1,343 SH   SOLE   1,343 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 167 1,264 SH   SOLE   1,264 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 30 240 SH   SOLE   240 0 0
INTEL CORP COMMON STOCK 458140100 127 2,705 SH   SOLE   2,705 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 74 980 SH   SOLE   980 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 92 682 SH   SOLE   682 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 12 290 SH   SOLE   290 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 45 393 SH   SOLE   393 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 7 125 SH   SOLE   125 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 336 2,603 SH   SOLE   2,603 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 365 3,741 SH   SOLE   3,741 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 6 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 4 100 SH   SOLE   100 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 21 82 SH   SOLE   82 0 0
LOWES COS INC COMMON STOCK 548661107 17 180 SH   SOLE   180 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 158 1,458 SH   SOLE   1,458 0 0
MASCO CORP COMMON STOCK 574599106 54 1,852 SH   SOLE   1,852 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 52 273 SH   SOLE   273 0 0
MCDONALDS CORP COMMON STOCK 580135101 75 425 SH   SOLE   425 0 0
MERCK & CO INC COMMON STOCK 58933Y105 255 3,341 SH   SOLE   3,341 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 40 550 SH   SOLE   550 0 0
MICROSOFT CORP COMMON STOCK 594918104 551 5,425 SH   SOLE   5,425 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 325 SH   SOLE   325 0 0
MORGAN STANLEY COMMON STOCK 617446448 123 3,104 SH   SOLE   3,104 0 0
NETFLIX INC COMMON STOCK 64110L106 348 1,301 SH   SOLE   1,301 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 130 748 SH   SOLE   748 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 45 605 SH   SOLE   605 0 0
NVIDIA CORP COMMON STOCK 67066G104 17 130 SH   SOLE   130 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 25 407 SH   SOLE   407 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 117 2,586 SH   SOLE   2,586 0 0
PAYCHEX INC COMMON STOCK 704326107 49 756 SH   SOLE   756 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 258 3,073 SH   SOLE   3,073 0 0
PEPSICO INC COMMON STOCK 713448108 181 1,641 SH   SOLE   1,641 0 0
PFIZER INC COMMON STOCK 717081103 182 4,161 SH   SOLE   4,161 0 0
PHILLIPS 66 COMMON STOCK 718546104 131 1,521 SH   SOLE   1,521 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 158 1,717 SH   SOLE   1,717 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 29 350 SH   SOLE   350 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 20 132 SH   SOLE   132 0 0
RED HAT INC COMMON STOCK 756577102 25 145 SH   SOLE   145 0 0
SALESFORCE.COM COMMON STOCK 79466L302 214 1,561 SH   SOLE   1,561 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 67 1,444 SH   SOLE   1,444 0 0
STARBUCKS CORP COMMON STOCK 855244109 179 2,775 SH   SOLE   2,775 0 0
STATE STREET CORP COMMON STOCK 857477103 15 245 SH   SOLE   245 0 0
STRYKER CORPORATION COMMON STOCK 863667101 142 906 SH   SOLE   906 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 32 347 SH   SOLE   347 0 0
TESLA INC COMMON STOCK 88160R101 44 133 SH   SOLE   133 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 53 236 SH   SOLE   236 0 0
TJX COS INC COMMON STOCK 872540109 109 2,438 SH   SOLE   2,438 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 11 679 SH   SOLE   679 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 12 675 SH   SOLE   675 0 0
UNION PAC CORP COMMON STOCK 907818108 124 896 SH   SOLE   896 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 17 175 SH   SOLE   175 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 85 795 SH   SOLE   795 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 299 1,200 SH   SOLE   1,200 0 0
US BANCORP NEW COMMON STOCK 902973304 125 2,726 SH   SOLE   2,726 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 66 882 SH   SOLE   882 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 126 2,244 SH   SOLE   2,244 0 0
VISA INC CL A COMMON STOCK 92826C839 409 3,099 SH   SOLE   3,099 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 67 678 SH   SOLE   678 0 0
WALMART INC COMMON STOCK 931142103 83 888 SH   SOLE   888 0 0
WELLS FARGO & CO COMMON STOCK 949746101 73 1,595 SH   SOLE   1,595 0 0
WILLIAMS COS INC COMMON STOCK 969457100 9 422 SH   SOLE   422 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 8 75 SH   SOLE   75 0 0
3M CO COMMON STOCK 88579Y101 119 625 SH   SOLE   625 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 40 380 SH   SOLE   380 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 897 28,009 SH   SOLE   28,009 0 0
ALLERGAN PLC COMMON STOCK G0177J108 20 150 SH   SOLE   150 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 15 200 SH   SOLE   200 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 27 261 SH   SOLE   261 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 11 122 SH   SOLE   122 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 37 1,034 SH   SOLE   1,034 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 65 653 SH   SOLE   653 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 26 504 SH   SOLE   504 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 13 219 SH   SOLE   219 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 73 844 SH   SOLE   844 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 45 698 SH   SOLE   698 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 128 510 SH   SOLE   510 0 0
ISHARES INTERNATIONAL SELECT OTHER 464288448 4 145 SH   SOLE   145 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 23 355 SH   SOLE   355 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 24 400 SH   SOLE   400 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 39 992 SH   SOLE   992 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 106 2,284 SH   SOLE   2,284 0 0
ISHARES RUSSELL 3000 ETF OTHER 464287689 29 200 SH   SOLE   200 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 482 6,957 SH   SOLE   6,957 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 29 173 SH   SOLE   173 0 0
ISHARES S&P 500 GROWTH ETF OTHER 464287309 15 100 SH   SOLE   100 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 53 520 SH   SOLE   520 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 65 1,296 SH   SOLE   1,296 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 4 144 SH   SOLE   144 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 7 250 SH   SOLE   250 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 79 1,257 SH   SOLE   1,257 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 109 1,766 SH   SOLE   1,766 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 54 1,012 SH   SOLE   1,012 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 1,047 9,836 SH   SOLE   9,836 0 0
ISHARES SHORT-TERM CORPORATE B OTHER 464288646 12 228 SH   SOLE   228 0 0
JOHN HANCOCK PFD INCOME III OTHER 41021P103 14 875 SH   SOLE   875 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,033 18,859 SH   SOLE   18,859 0 0
ABBOTT LABS COMMON STOCK 002824100 1,067 14,750 SH   DFND 3 14,750 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 838 18,000 SH   DFND 3 18,000 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 195 2,000 SH   DFND 3 2,000 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 4,180 4,000 SH   DFND 3 4,000 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1 1 SH   DFND 3 1 0 0
AMAZON.COM INC COMMON STOCK 023135106 7,367 4,905 SH   DFND 3 4,905 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 1,302 17,500 SH   DFND 3 17,500 0 0
AMGEN INC COMMON STOCK 031162100 2,433 12,500 SH   DFND 3 12,500 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 307 7,000 SH   DFND 3 7,000 0 0
APPLE INC COMMON STOCK 037833100 5,158 32,700 SH   DFND 3 32,700 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,473 100,385 SH   DFND 3 100,385 0 0
BB&T CORPORATION COMMON STOCK 054937107 1,083 25,000 SH   DFND 3 25,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,088 10,225 SH   DFND 3 10,225 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,402 3,570 SH   DFND 3 3,570 0 0
BOEING CO COMMON STOCK 097023105 645 2,000 SH   DFND 3 2,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1,512 20,000 SH   DFND 3 20,000 0 0
CATERPILLAR INC COMMON STOCK 149123101 585 4,600 SH   DFND 3 4,600 0 0
CELGENE CORP COMMON STOCK 151020104 449 7,000 SH   DFND 3 7,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,360 12,500 SH   DFND 3 12,500 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,039 5,100 SH   DFND 3 5,100 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,048 16,000 SH   DFND 3 16,000 0 0
DANAHER CORP COMMON STOCK 235851102 516 5,000 SH   DFND 3 5,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 3,720 15,000 SH   DFND 3 15,000 0 0
ECOLAB INC COMMON STOCK 278865100 575 3,900 SH   DFND 3 3,900 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 614 9,000 SH   DFND 3 9,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 3,513 26,800 SH   DFND 3 26,800 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,452 9,000 SH   DFND 3 9,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,503 9,000 SH   DFND 3 9,000 0 0
GRUBHUB INC COMMON STOCK 400110102 2,304 30,000 SH   DFND 3 30,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,512 8,800 SH   DFND 3 8,800 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,321 10,000 SH   DFND 3 10,000 0 0
HUNT JB TRANSPORT SERVICES INC COMMON STOCK 445658107 372 4,000 SH   DFND 3 4,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,782 23,650 SH   DFND 3 23,650 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 403 3,000 SH   DFND 3 3,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,387 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,411 24,700 SH   DFND 3 24,700 0 0
MASCO CORP COMMON STOCK 574599106 1,608 55,000 SH   DFND 3 55,000 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,132 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,839 37,800 SH   DFND 3 37,800 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,673 34,000 SH   DFND 3 34,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,983 50,000 SH   DFND 3 50,000 0 0
NETFLIX INC COMMON STOCK 64110L106 3,232 12,075 SH   DFND 3 12,075 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 993 13,400 SH   DFND 3 13,400 0 0
NVIDIA CORP COMMON STOCK 67066G104 668 5,000 SH   DFND 3 5,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,569 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,270 52,000 SH   DFND 3 52,000 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,551 18,000 SH   DFND 3 18,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,425 15,500 SH   DFND 3 15,500 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 368 2,400 SH   DFND 3 2,400 0 0
RED HAT INC COMMON STOCK 756577102 351 2,000 SH   DFND 3 2,000 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 34 1,667 SH   DFND 3 1,667 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,835 20,700 SH   DFND 3 20,700 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,574 4,000 SH   DFND 3 4,000 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1,394 30,000 SH   DFND 3 30,000 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,724 11,000 SH   DFND 3 11,000 0 0
T-MOBILE US INC COMMON STOCK 872590104 159 2,500 SH   DFND 3 2,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1,119 5,000 SH   DFND 3 5,000 0 0
TJX COS INC COMMON STOCK 872540109 676 15,100 SH   DFND 3 15,100 0 0
TWITTER INC COMMON STOCK 90184L102 862 30,000 SH   DFND 3 30,000 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH   DFND 3 1 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 878 9,000 SH   DFND 3 9,000 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 831 7,800 SH   DFND 3 7,800 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,114 12,500 SH   DFND 3 12,500 0 0
US BANCORP NEW COMMON STOCK 902973304 676 14,800 SH   DFND 3 14,800 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 843 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 6,755 51,200 SH   DFND 3 51,200 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 701 7,100 SH   DFND 3 7,100 0 0
WALMART INC COMMON STOCK 931142103 2,264 24,300 SH   DFND 3 24,300 0 0
ZOETIS INC COMMON STOCK 98978V103 299 3,500 SH   DFND 3 3,500 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 500 5,500 SH   DFND 3 5,500 0 0