<SEC-DOCUMENT>0000717538-20-000071-index.html : 20200327
<SEC-HEADER>0000717538-20-000071.hdr.sgml : 20200327
<ACCEPTANCE-DATETIME>20200327103235
ACCESSION NUMBER:		0000717538-20-000071
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20200327
FILED AS OF DATE:		20200327
DATE AS OF CHANGE:		20200327
EFFECTIVENESS DATE:		20200327

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222448962
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		20748803

	BUSINESS ADDRESS:	
		STREET 1:		250 GLEN ST
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801
		BUSINESS PHONE:		5184154299

	MAIL ADDRESS:	
		STREET 1:		250 GLEN STREET
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>arrow2020proxystatement.htm
<DESCRIPTION>DEF 14A
<TEXT>
Document 1 - file: arrow2020proxystatement.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>afclogostackedbwa04.jpg
<TEXT>
Document 2 - file: afclogostackedbwa04.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>chart-3b5755ae4fd4ced3c81.jpg
<TEXT>
Document 3 - file: chart-3b5755ae4fd4ced3c81.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>chart-504972e60c12381ab23.jpg
<TEXT>
Document 4 - file: chart-504972e60c12381ab23.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>chart-b9c165c375fe7365415.jpg
<TEXT>
Document 5 - file: chart-b9c165c375fe7365415.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>finalafcprxygt20p3237120.jpg
<TEXT>
Document 6 - file: finalafcprxygt20p3237120.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>finalafcprxygt20p3237120a01.jpg
<TEXT>
Document 7 - file: finalafcprxygt20p3237120a01.jpg

</DOCUMENT>
</SEC-DOCUMENT>