0000717538-21-000221.txt : 20211021 0000717538-21-000221.hdr.sgml : 20211021 20211021104140 ACCESSION NUMBER: 0000717538-21-000221 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210930 FILED AS OF DATE: 20211021 DATE AS OF CHANGE: 20211021 EFFECTIVENESS DATE: 20211021 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: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 211336038 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 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 09-30-2021 09-30-2021 ARROW FINANCIAL CORP
250 GLEN STREET GLENS FALLS NY 12801
13F HOLDINGS REPORT 028-12533 N
Edward J. Campanella SVP, Treasurer & CFO 518-415-4512 /s/ Edward J. Campanella Glens Falls NY 10-21-2021 2 718 774983 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc.
INFORMATION TABLE 2 information_table.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 1451 12280 SH DFND 2 12280 0 0 ABBVIE INC COMMON STOCK 00287Y109 659 6113 SH DFND 2 6113 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 10 135 SH DFND 2 135 0 0 ADOBE INC COMMON STOCK 00724F101 3099 5383 SH DFND 2 5383 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 71 278 SH DFND 2 278 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 9480 3546 SH DFND 2 3546 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 2625 985 SH DFND 2 985 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 256 5631 SH DFND 2 5631 0 0 AMAZON.COM INC COMMON STOCK 023135106 7605 2315 SH DFND 2 2315 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 76 940 SH DFND 2 940 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 313 1870 SH DFND 2 1870 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 18 320 SH DFND 2 320 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 731 4325 SH DFND 2 4325 0 0 AMGEN INC COMMON STOCK 031162100 1538 7234 SH DFND 2 7234 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 10 60 SH DFND 2 60 0 0 ANTARES PHARMA INC COMMON STOCK 036642106 51 14000 SH DFND 2 14000 0 0 APPLE INC COMMON STOCK 037833100 10293 72744 SH DFND 2 72744 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 299 2325 SH DFND 2 2325 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 12 200 SH DFND 2 200 0 0 ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 74 827 SH DFND 2 827 0 0 AT&T INC COMMON STOCK 00206R102 999 36991 SH DFND 2 36991 0 0 AUTODESK INC COMMON STOCK 052769106 23 80 SH DFND 2 80 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 268 1340 SH DFND 2 1340 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2286 53861 SH DFND 2 53861 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 66 1280 SH DFND 2 1280 0 0 BAXTER INTL INC COMMON STOCK 071813109 35 430 SH DFND 2 430 0 0 BECTON DICKINSON COMMON STOCK 075887109 47 190 SH DFND 2 190 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3045 11155 SH DFND 2 11155 0 0 BEST BUY CO INC COMMON STOCK 086516101 78 735 SH DFND 2 735 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 3179 3791 SH DFND 2 3791 0 0 BLACKSTONE INC. COMMON STOCK 09260D107 117 1008 SH DFND 2 1008 0 0 BOEING CO COMMON STOCK 097023105 45 205 SH DFND 2 205 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 316 133 SH DFND 2 133 0 0 BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 34 795 SH DFND 2 795 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1747 29520 SH DFND 2 29520 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 57 355 SH DFND 2 355 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH DFND 2 200 0 0 CARLOTZ INC CL A COMMON STOCK 142552108 3 750 SH DFND 2 750 0 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 61 1177 SH DFND 2 1177 0 0 CATERPILLAR INC COMMON STOCK 149123101 833 4339 SH DFND 2 4339 0 0 CERNER CORP COMMON STOCK 156782104 21 295 SH DFND 2 295 0 0 CHARLES SCHWAB CORP COMMON STOCK 808513105 46 625 SH DFND 2 625 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 906 8933 SH DFND 2 8933 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 2559 47019 SH DFND 2 47019 0 0 CLOROX COMPANY COMMON STOCK 189054109 98 589 SH DFND 2 589 0 0 CME GROUP INC COMMON STOCK 12572Q105 73 378 SH DFND 2 378 0 0 CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH DFND 2 121 0 0 COCA COLA CO COMMON STOCK 191216100 1439 27423 SH DFND 2 27423 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 265 3511 SH DFND 2 3511 0 0 COMCAST CORP-CL A COMMON STOCK 20030N101 170 3048 SH DFND 2 3048 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 670 9888 SH DFND 2 9888 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 54 739 SH DFND 2 739 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1210 5744 SH DFND 2 5744 0 0 CORNING INC COMMON STOCK 219350105 80 2184 SH DFND 2 2184 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2045 4552 SH DFND 2 4552 0 0 CSX CORP COMMON STOCK 126408103 13 450 SH DFND 2 450 0 0 CUMMINS INC COMMON STOCK 231021106 1305 5811 SH DFND 2 5811 0 0 CVS HEALTH CORP COMMON STOCK 126650100 22 254 SH DFND 2 254 0 0 DANAHER CORP COMMON STOCK 235851102 267 876 SH DFND 2 876 0 0 DEERE & CO COMMON STOCK 244199105 359 1070 SH DFND 2 1070 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 3888 22984 SH DFND 2 22984 0 0 DOLLAR GENERAL CORP COMMON STOCK 256677105 26 122 SH DFND 2 122 0 0 DOLLAR TREE INC COMMON STOCK 256746108 1450 15145 SH DFND 2 15145 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 224 3070 SH DFND 2 3070 0 0 DOW INC COMMON STOCK 260557103 71 1233 SH DFND 2 1233 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 100 1029 SH DFND 2 1029 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 82 1213 SH DFND 2 1213 0 0 EBAY INC COMMON STOCK 278642103 28 400 SH DFND 2 400 0 0 ECOLAB INC COMMON STOCK 278865100 586 2810 SH DFND 2 2810 0 0 EDISON INTERNATIONAL COMMON STOCK 281020107 19 350 SH DFND 2 350 0 0 ELECTRONIC ARTS INC COMMON STOCK 285512109 4 25 SH DFND 2 25 0 0 EMERSON ELEC CO COMMON STOCK 291011104 156 1655 SH DFND 2 1655 0 0 EOG RES INC COMMON STOCK 26875P101 114 1423 SH DFND 2 1423 0 0 ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 50 1082 SH DFND 2 1082 0 0 EXELIXIS INC COMMON STOCK 30161Q104 11 510 SH DFND 2 510 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 1983 33710 SH DFND 2 33710 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 1182 3483 SH DFND 2 3483 0 0 FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 24 60 SH DFND 2 60 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 435 1982 SH DFND 2 1982 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 29 801 SH DFND 2 801 0 0 FISERV INC COMMON STOCK 337738108 269 2475 SH DFND 2 2475 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 132 9300 SH DFND 2 9300 0 0 FORTIVE CORP COMMON STOCK 34959J108 99 1407 SH DFND 2 1407 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 1611 8220 SH DFND 2 8220 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604301 244 2373 SH DFND 2 2373 0 0 GENERAL MLS INC COMMON STOCK 370334104 209 3490 SH DFND 2 3490 0 0 GENUINE PARTS CO COMMON STOCK 372460105 25 210 SH DFND 2 210 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 819 11720 SH DFND 2 11720 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 781 2067 SH DFND 2 2067 0 0 GRAINGER W W INC COMMON STOCK 384802104 35 89 SH DFND 2 89 0 0 GREENLANE HOLDINGS INC CL A COMMON STOCK 395330103 5 2217 SH DFND 2 2217 0 0 HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 69 1702 SH DFND 2 1702 0 0 HOME DEPOT INC COMMON STOCK 437076102 4691 14291 SH DFND 2 14291 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2766 13030 SH DFND 2 13030 0 0 IDACORP INC COMMON STOCK 451107106 24 232 SH DFND 2 232 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 91 440 SH DFND 2 440 0 0 INFINERA CORP COMMON STOCK 45667G103 4 500 SH DFND 2 500 0 0 INGERSOLL-RAND INC COMMON STOCK 45687V106 3 63 SH DFND 2 63 0 0 INTEL CORP COMMON STOCK 458140100 2122 39825 SH DFND 2 39825 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2682 23354 SH DFND 2 23354 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 329 2459 SH DFND 2 2459 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 308 2218 SH DFND 2 2218 0 0 JABIL INC COMMON STOCK 466313103 6 100 SH DFND 2 100 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 20 120 SH DFND 2 120 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 251 1894 SH DFND 2 1894 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3732 23108 SH DFND 2 23108 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 4864 29716 SH DFND 2 29716 0 0 KADANT INC COMMON STOCK 48282T104 165 809 SH DFND 2 809 0 0 KELLOGG CO COMMON STOCK 487836108 6 100 SH DFND 2 100 0 0 KEMPER CORP COMMON STOCK 488401100 13 200 SH DFND 2 200 0 0 KEYCORP COMMON STOCK 493267108 18 812 SH DFND 2 812 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 21 155 SH DFND 2 155 0 0 KKR & CO INC CL A COMMON STOCK 48251W104 102 1670 SH DFND 2 1670 0 0 LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 14 50 SH DFND 2 50 0 0 LILLY ELI & CO COMMON STOCK 532457108 251 1085 SH DFND 2 1085 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 1264 3663 SH DFND 2 3663 0 0 LOWES COS INC COMMON STOCK 548661107 1657 8168 SH DFND 2 8168 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 72 SH DFND 2 72 0 0 MASCO CORP COMMON STOCK 574599106 879 15821 SH DFND 2 15821 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 1993 5731 SH DFND 2 5731 0 0 MCCORMICK & CO INC COMMON STOCK 579780206 92 1131 SH DFND 2 1131 0 0 MCDONALDS CORP COMMON STOCK 580135101 1308 5425 SH DFND 2 5425 0 0 MDU RESOURCES GROUP INC COMMON STOCK 552690109 18 600 SH DFND 2 600 0 0 MERCK & CO INC COMMON STOCK 58933Y105 941 12524 SH DFND 2 12524 0 0 METLIFE INC COMMON STOCK 59156R108 41 659 SH DFND 2 659 0 0 MICROSOFT CORP COMMON STOCK 594918104 10056 35670 SH DFND 2 35670 0 0 MODERNA INC COMMON STOCK 60770K107 96 250 SH DFND 2 250 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 4 73 SH DFND 2 73 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 42 475 SH DFND 2 475 0 0 MORGAN STANLEY COMMON STOCK 617446448 1062 10912 SH DFND 2 10912 0 0 NBT BANCORP INC COM COMMON STOCK 628778102 24 665 SH DFND 2 665 0 0 NETFLIX INC COMMON STOCK 64110L106 4693 7689 SH DFND 2 7689 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 919 11703 SH DFND 2 11703 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 761 5241 SH DFND 2 5241 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 67 280 SH DFND 2 280 0 0 NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 30 82 SH DFND 2 82 0 0 NOVAVAX INC COMMON STOCK 670002401 21 100 SH DFND 2 100 0 0 NUCOR CORP COMMON STOCK 670346105 3 35 SH DFND 2 35 0 0 NVIDIA CORP COMMON STOCK 67066G104 1030 4971 SH DFND 2 4971 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 3184 36540 SH DFND 2 36540 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 31 379 SH DFND 2 379 0 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 12 85 SH DFND 2 85 0 0 PARKER HANNIFIN CORP COMMON STOCK 701094104 27 95 SH DFND 2 95 0 0 PAYCHEX INC COMMON STOCK 704326107 1904 16932 SH DFND 2 16932 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 5909 22707 SH DFND 2 22707 0 0 PENN NATIONAL GAMING INC COMMON STOCK 707569109 111 1535 SH DFND 2 1535 0 0 PEPSICO INC COMMON STOCK 713448108 2048 13615 SH DFND 2 13615 0 0 PFIZER INC COMMON STOCK 717081103 2468 57379 SH DFND 2 57379 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 448 4731 SH DFND 2 4731 0 0 PHILLIPS 66 COMMON STOCK 718546104 59 849 SH DFND 2 849 0 0 PLUG POWER INC COMMON STOCK 72919P202 5 200 SH DFND 2 200 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2969 21241 SH DFND 2 21241 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 38 365 SH DFND 2 365 0 0 QUALCOMM INC COMMON STOCK 747525103 1347 10444 SH DFND 2 10444 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 270 3136 SH DFND 2 3136 0 0 REMARK HOLDINGS INC COMMON STOCK 75955K102 14 13453 SH DFND 2 13453 0 0 ROKU INC COMMON STOCK 77543R102 31 100 SH DFND 2 100 0 0 ROPER TECHNOLOGIES INC COMMON STOCK 776696106 47 105 SH DFND 2 105 0 0 ROSS STORES INC COMMON STOCK 778296103 27 249 SH DFND 2 249 0 0 SALESFORCE.COM COMMON STOCK 79466L302 1490 5493 SH DFND 2 5493 0 0 SEMPRA COMMON STOCK 816851109 6 50 SH DFND 2 50 0 0 SERVICENOW INC COMMON STOCK 81762P102 6 10 SH DFND 2 10 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 176 630 SH DFND 2 630 0 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 25 195 SH DFND 2 195 0 0 SMITH A O CORPORATION COMMON STOCK 831865209 24 390 SH DFND 2 390 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 54 866 SH DFND 2 866 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 32 625 SH DFND 2 625 0 0 SQUARE INC CL A COMMON STOCK 852234103 192 799 SH DFND 2 799 0 0 STARBUCKS CORP COMMON STOCK 855244109 2373 21516 SH DFND 2 21516 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2789 10575 SH DFND 2 10575 0 0 SYSCO CORP COMMON STOCK 871829107 719 9163 SH DFND 2 9163 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 425 2162 SH DFND 2 2162 0 0 TARGET CORP COMMON STOCK 87612E106 485 2119 SH DFND 2 2119 0 0 TESLA INC COMMON STOCK 88160R101 326 420 SH DFND 2 420 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1890 9835 SH DFND 2 9835 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 195 1150 SH DFND 2 1150 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3531 6181 SH DFND 2 6181 0 0 TJX COS INC COMMON STOCK 872540109 1552 23515 SH DFND 2 23515 0 0 TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 19 240 SH DFND 2 240 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 919 6047 SH DFND 2 6047 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 129 2202 SH DFND 2 2202 0 0 TRUSTCO BANK CORP NY COMMON STOCK 898349204 1 43 SH DFND 2 43 0 0 TWITTER INC COMMON STOCK 90184L102 1 15 SH DFND 2 15 0 0 UNION PAC CORP COMMON STOCK 907818108 2567 13098 SH DFND 2 13098 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 342 1877 SH DFND 2 1877 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1859 4757 SH DFND 2 4757 0 0 US BANCORP NEW COMMON STOCK 902973304 1363 22930 SH DFND 2 22930 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 47 662 SH DFND 2 662 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1904 35252 SH DFND 2 35252 0 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 3 15 SH DFND 2 15 0 0 VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 27 1057 SH DFND 2 1057 0 0 VISA INC CL A COMMON STOCK 92826C839 4974 22332 SH DFND 2 22332 0 0 VONTIER CORP COMMON STOCK 928881101 6 176 SH DFND 2 176 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 393 2325 SH DFND 2 2325 0 0 WABTEC CORP COMMON STOCK 929740108 13 150 SH DFND 2 150 0 0 WALMART INC COMMON STOCK 931142103 1070 7676 SH DFND 2 7676 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 36 244 SH DFND 2 244 0 0 WEC ENERGY GROUP INC COMMON STOCK 92939U106 35 400 SH DFND 2 400 0 0 WELLS FARGO & CO COMMON STOCK 949746101 252 5435 SH DFND 2 5435 0 0 WILLIAMS COS INC COMMON STOCK 969457100 884 34093 SH DFND 2 34093 0 0 XYLEM INC COMMON STOCK 98419M100 9 73 SH DFND 2 73 0 0 YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 29 500 SH DFND 2 500 0 0 YUM! BRANDS INC COMMON STOCK 988498101 894 7310 SH DFND 2 7310 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 143 980 SH DFND 2 980 0 0 3M CO COMMON STOCK 88579Y101 422 2405 SH DFND 2 2405 0 0 BIONTECH SE SPONS ADR COMMON STOCK 09075V102 14 50 SH DFND 2 50 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 58 2122 SH DFND 2 2122 0 0 RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 40 600 SH DFND 2 600 0 0 ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 30 155 SH DFND 2 155 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 115 435 SH DFND 2 435 0 0 LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 19 1500 SH DFND 2 1500 0 0 TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 6 936 SH DFND 2 936 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 49721 1447072 SH DFND 2 1447072 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 72 225 SH DFND 2 225 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 9 500 SH DFND 2 500 0 0 BROOKFIELD ASSET MANAGEMENT IN COMMON STOCK 112585104 1 20 SH DFND 2 20 0 0 CARNIVAL CORP COMMON STOCK 143658300 18 700 SH DFND 2 700 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 34 300 SH DFND 2 300 0 0 EATON CORP PLC COMMON STOCK G29183103 26 174 SH DFND 2 174 0 0 ENBRIDGE INCORPORATED COMMON STOCK 29250N105 60 1500 SH DFND 2 1500 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 420 4479 SH DFND 2 4479 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH DFND 2 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 168 1341 SH DFND 2 1341 0 0 MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 2 1000 SH DFND 2 1000 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 10 100 SH DFND 2 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 19 650 SH DFND 2 650 0 0 SHOPIFY INC CL A COMMON STOCK 82509L107 49 36 SH DFND 2 36 0 0 THOMSON REUTERS CORP COMMON STOCK 884903709 10 90 SH DFND 2 90 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 125 1890 SH DFND 2 1890 0 0 TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 17 100 SH DFND 2 100 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 18 220 SH DFND 2 220 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 329 1833 SH DFND 2 1833 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 91 1320 SH DFND 2 1320 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 90 1735 SH DFND 2 1735 0 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 500 13316 SH DFND 2 13316 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 38 1485 SH DFND 2 1485 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 452 3548 SH DFND 2 3548 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 246 2510 SH DFND 2 2510 0 0 INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 36 1780 SH DFND 2 1780 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 4927 13765 SH DFND 2 13765 0 0 ISHARES CORE MSCI EAFE ETF OTHER 46432F842 72 974 SH DFND 2 974 0 0 ISHARES CORE MSCI EMERGING MKT OTHER 46434G103 6 90 SH DFND 2 90 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 13578 51615 SH DFND 2 51615 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 15779 144507 SH DFND 2 144507 0 0 ISHARES CORE S&P U.S. GROWTH E OTHER 464287671 7 72 SH DFND 2 72 0 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 122 1432 SH DFND 2 1432 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 18 235 SH DFND 2 235 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5 93 SH DFND 2 93 0 0 ISHARES MSCI USA QUALITY FACTO OTHER 46432F339 5 38 SH DFND 2 38 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 464 5935 SH DFND 2 5935 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 7 34 SH DFND 2 34 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 45 735 SH DFND 2 735 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1529 19332 SH DFND 2 19332 0 0 REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 3 59 SH DFND 2 59 0 0 SPDR GOLD TRUST OTHER 78463V107 250 1525 SH DFND 2 1525 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 399 6237 SH DFND 2 6237 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 609 15624 SH DFND 2 15624 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 181 1440 SH DFND 2 1440 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 48 1260 SH DFND 2 1260 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 22 45 SH DFND 2 45 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 67 700 SH DFND 2 700 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 8608 20058 SH DFND 2 20058 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 602 4029 SH DFND 2 4029 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 518 8113 SH DFND 2 8113 0 0 VANECK BIOTECH ETF OTHER 92189F726 51 250 SH DFND 2 250 0 0 VANECK GOLD MINERS ETF OTHER 92189F106 54 1818 SH DFND 2 1818 0 0 VANECK SEMICONDUCTOR ETF OTHER 92189F676 111 432 SH DFND 2 432 0 0 VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 43 1750 SH DFND 2 1750 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 6 124 SH DFND 2 124 0 0 VANGUARD GROWTH ETF OTHER 922908736 161 556 SH DFND 2 556 0 0 VANGUARD HEALTH CARE ETF OTHER 92204A504 13 52 SH DFND 2 52 0 0 VANGUARD INFO TECH ETF OTHER 92204A702 42 104 SH DFND 2 104 0 0 VANGUARD MID-CAP ETF OTHER 922908629 61759 260852 SH DFND 2 260852 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 197 1935 SH DFND 2 1935 0 0 VANGUARD S&P 500 ETF OTHER 922908363 95179 241325 SH DFND 2 241325 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 24486 111978 SH DFND 2 111978 0 0 VANGUARD TOTAL STOCK MARKET ET OTHER 922908769 5 23 SH DFND 2 23 0 0 ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 13 100 SH DFND 2 100 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 412 4787 SH DFND 2 4787 0 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 13203 114975 SH DFND 2 114975 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 200 7700 SH DFND 2 7700 0 0 ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 1051 42489 SH DFND 2 42489 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 1025 40465 SH DFND 2 40465 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 1011 38886 SH DFND 2 38886 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 548 20855 SH DFND 2 20855 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 650 24201 SH DFND 2 24201 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 499 18824 SH DFND 2 18824 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 282 9858 SH DFND 2 9858 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 439 16502 SH DFND 2 16502 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 140 5543 SH DFND 2 5543 0 0 ISHARES IBONDS MAR 2023 TERM C OTHER 46432FAZ0 5 185 SH DFND 2 185 0 0 ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 25 1020 SH DFND 2 1020 0 0 ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 543 21992 SH DFND 2 21992 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 5366 98198 SH DFND 2 98198 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 392 14516 SH DFND 2 14516 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 29535 358388 SH DFND 2 358388 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 4259 49837 SH DFND 2 49837 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1006 8659 SH DFND 2 8659 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4083 70563 SH DFND 2 70563 0 0 ABBOTT LABS COMMON STOCK 002824100 126 1070 SH OTR 2 0 1070 0 ABBVIE INC COMMON STOCK 00287Y109 218 2025 SH OTR 2 0 2025 0 ADOBE INC COMMON STOCK 00724F101 193 335 SH OTR 2 0 335 0 ALPHABET INC CL A COMMON STOCK 02079K305 837 313 SH OTR 2 0 313 0 ALPHABET INC CL C COMMON STOCK 02079K107 285 107 SH OTR 2 0 107 0 ALTRIA GROUP INC COMMON STOCK 02209S103 7 150 SH OTR 2 0 150 0 AMAZON.COM INC COMMON STOCK 023135106 440 134 SH OTR 2 0 134 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 218 1300 SH OTR 2 0 1300 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 52 305 SH OTR 2 0 305 0 AMGEN INC COMMON STOCK 031162100 53 250 SH OTR 2 0 250 0 APPLE INC COMMON STOCK 037833100 1582 11182 SH OTR 2 0 11182 0 AT&T INC COMMON STOCK 00206R102 131 4857 SH OTR 2 0 4857 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 665 3325 SH OTR 2 0 3325 0 BANK OF AMERICA CORP COMMON STOCK 060505104 209 4920 SH OTR 2 0 4920 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 76 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 153 1900 SH OTR 2 0 1900 0 BECTON DICKINSON COMMON STOCK 075887109 36 145 SH OTR 2 0 145 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 337 1235 SH OTR 2 0 1235 0 BLACKROCK INC CL A COMMON STOCK 09247X101 231 275 SH OTR 2 0 275 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 143 2420 SH OTR 2 0 2420 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH OTR 2 0 200 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 247 4770 SH OTR 2 0 4770 0 CATERPILLAR INC COMMON STOCK 149123101 197 1025 SH OTR 2 0 1025 0 CHEVRON CORPORATION COMMON STOCK 166764100 267 2634 SH OTR 2 0 2634 0 CIGNA CORP COMMON STOCK 125523100 9 44 SH OTR 2 0 44 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 78 1430 SH OTR 2 0 1430 0 CLOROX COMPANY COMMON STOCK 189054109 17 100 SH OTR 2 0 100 0 COCA COLA CO COMMON STOCK 191216100 107 2030 SH OTR 2 0 2030 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 431 5700 SH OTR 2 0 5700 0 COMCAST CORP-CL A COMMON STOCK 20030N101 17 300 SH OTR 2 0 300 0 CONOCOPHILLIPS COMMON STOCK 20825C104 91 1346 SH OTR 2 0 1346 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 169 802 SH OTR 2 0 802 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 54 120 SH OTR 2 0 120 0 CUMMINS INC COMMON STOCK 231021106 42 185 SH OTR 2 0 185 0 CVS HEALTH CORP COMMON STOCK 126650100 33 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 46 151 SH OTR 2 0 151 0 DISNEY WALT CO NEW COMMON STOCK 254687106 315 1862 SH OTR 2 0 1862 0 DOCUSIGN INC COMMON STOCK 256163106 44 170 SH OTR 2 0 170 0 DOLLAR TREE INC COMMON STOCK 256746108 17 175 SH OTR 2 0 175 0 DOMINION ENERGY INC COMMON STOCK 25746U109 42 575 SH OTR 2 0 575 0 DOW INC COMMON STOCK 260557103 2 33 SH OTR 2 0 33 0 DT MIDSTREAM INC COMMON STOCK 23345M107 7 142 SH OTR 2 0 142 0 DTE ENERGY CO COMMON STOCK 233331107 32 285 SH OTR 2 0 285 0 DUKE ENERGY CORP COMMON STOCK 26441C204 62 634 SH OTR 2 0 634 0 ECOLAB INC COMMON STOCK 278865100 209 1000 SH OTR 2 0 1000 0 EMERSON ELEC CO COMMON STOCK 291011104 299 3170 SH OTR 2 0 3170 0 EOG RES INC COMMON STOCK 26875P101 3 35 SH OTR 2 0 35 0 EXXON MOBIL CORP COMMON STOCK 30231G102 531 9035 SH OTR 2 0 9035 0 FACEBOOK INC-A COMMON STOCK 30303M102 56 165 SH OTR 2 0 165 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 46 235 SH OTR 2 0 235 0 GILEAD SCIENCES INC COMMON STOCK 375558103 21 295 SH OTR 2 0 295 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 9 25 SH OTR 2 0 25 0 HOME DEPOT INC COMMON STOCK 437076102 588 1790 SH OTR 2 0 1790 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 162 765 SH OTR 2 0 765 0 INTEL CORP COMMON STOCK 458140100 415 7785 SH OTR 2 0 7785 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 118 1025 SH OTR 2 0 1025 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 721 5188 SH OTR 2 0 5188 0 INTUIT INC COMMON STOCK 461202103 437 810 SH OTR 2 0 810 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 74 562 SH OTR 2 0 562 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1094 6772 SH OTR 2 0 6772 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 1224 7475 SH OTR 2 0 7475 0 KELLOGG CO COMMON STOCK 487836108 58 900 SH OTR 2 0 900 0 KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH OTR 2 0 33 0 LILLY ELI & CO COMMON STOCK 532457108 416 1800 SH OTR 2 0 1800 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 17 50 SH OTR 2 0 50 0 LOWES COS INC COMMON STOCK 548661107 214 1055 SH OTR 2 0 1055 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 10 65 SH OTR 2 0 65 0 MASCO CORP COMMON STOCK 574599106 12 225 SH OTR 2 0 225 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 31 90 SH OTR 2 0 90 0 MCDONALDS CORP COMMON STOCK 580135101 102 425 SH OTR 2 0 425 0 MERCK & CO INC COMMON STOCK 58933Y105 267 3555 SH OTR 2 0 3555 0 METLIFE INC COMMON STOCK 59156R108 15 235 SH OTR 2 0 235 0 MICROSOFT CORP COMMON STOCK 594918104 2262 8024 SH OTR 2 0 8024 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 195 2000 SH OTR 2 0 2000 0 NETFLIX INC COMMON STOCK 64110L106 70 115 SH OTR 2 0 115 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 194 2470 SH OTR 2 0 2470 0 NIKE INC-CLASS B COMMON STOCK 654106103 431 2970 SH OTR 2 0 2970 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 161 675 SH OTR 2 0 675 0 NVIDIA CORP COMMON STOCK 67066G104 215 1040 SH OTR 2 0 1040 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 3 100 SH OTR 2 0 100 0 ORACLE CORPORATION COMMON STOCK 68389X105 550 6315 SH OTR 2 0 6315 0 ORGANON & CO COMMON STOCK 68622V106 8 255 SH OTR 2 0 255 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 174 2109 SH OTR 2 0 2109 0 PAYCHEX INC COMMON STOCK 704326107 173 1535 SH OTR 2 0 1535 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 245 940 SH OTR 2 0 940 0 PEPSICO INC COMMON STOCK 713448108 727 4835 SH OTR 2 0 4835 0 PFIZER INC COMMON STOCK 717081103 500 11630 SH OTR 2 0 11630 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 9 100 SH OTR 2 0 100 0 PHILLIPS 66 COMMON STOCK 718546104 11 157 SH OTR 2 0 157 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 721 5155 SH OTR 2 0 5155 0 QUALCOMM INC COMMON STOCK 747525103 38 295 SH OTR 2 0 295 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 73 500 SH OTR 2 0 500 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 498 5798 SH OTR 2 0 5798 0 SOUTHERN COMPANY COMMON STOCK 842587107 37 600 SH OTR 2 0 600 0 SQUARE INC CL A COMMON STOCK 852234103 44 185 SH OTR 2 0 185 0 STARBUCKS CORP COMMON STOCK 855244109 238 2160 SH OTR 2 0 2160 0 STRYKER CORPORATION COMMON STOCK 863667101 394 1495 SH OTR 2 0 1495 0 SYSCO CORP COMMON STOCK 871829107 25 315 SH OTR 2 0 315 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 342 1740 SH OTR 2 0 1740 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 40 210 SH OTR 2 0 210 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 234 410 SH OTR 2 0 410 0 TJX COS INC COMMON STOCK 872540109 148 2245 SH OTR 2 0 2245 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 18 120 SH OTR 2 0 120 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 6 100 SH OTR 2 0 100 0 UNION PAC CORP COMMON STOCK 907818108 89 455 SH OTR 2 0 455 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 127 700 SH OTR 2 0 700 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 131 335 SH OTR 2 0 335 0 US BANCORP NEW COMMON STOCK 902973304 179 3015 SH OTR 2 0 3015 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 11 150 SH OTR 2 0 150 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 241 4467 SH OTR 2 0 4467 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 54 300 SH OTR 2 0 300 0 VIACOMCBS INC CL B COMMON STOCK 92556H206 31 776 SH OTR 2 0 776 0 VIATRIS INC COMMON STOCK 92556V106 15 1086 SH OTR 2 0 1086 0 VISA INC CL A COMMON STOCK 92826C839 285 1280 SH OTR 2 0 1280 0 WALMART INC COMMON STOCK 931142103 74 530 SH OTR 2 0 530 0 WELLS FARGO & CO COMMON STOCK 949746101 71 1525 SH OTR 2 0 1525 0 WILLIAMS COS INC COMMON STOCK 969457100 36 1380 SH OTR 2 0 1380 0 YUM! BRANDS INC COMMON STOCK 988498101 12 100 SH OTR 2 0 100 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 55 375 SH OTR 2 0 375 0 3M CO COMMON STOCK 88579Y101 379 2160 SH OTR 2 0 2160 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 45 170 SH OTR 2 0 170 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 724 21077 SH OTR 2 0 21077 0 EATON CORP PLC COMMON STOCK G29183103 75 500 SH OTR 2 0 500 0 LINDE PLC COMMON STOCK G5494J103 81 275 SH OTR 2 0 275 0 MEDTRONIC PLC COMMON STOCK G5960L103 113 900 SH OTR 2 0 900 0 SCHLUMBERGER LTD COMMON STOCK 806857108 7 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 138 2084 SH OTR 2 0 2084 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 674 8411 SH OTR 2 0 8411 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 917 5110 SH OTR 2 0 5110 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 359 5216 SH OTR 2 0 5216 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 165 3161 SH OTR 2 0 3161 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 709 18884 SH OTR 2 0 18884 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 792 6224 SH OTR 2 0 6224 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 556 5682 SH OTR 2 0 5682 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 30 85 SH OTR 2 0 85 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 87 330 SH OTR 2 0 330 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 358 3280 SH OTR 2 0 3280 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 4 46 SH OTR 2 0 46 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 20 396 SH OTR 2 0 396 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 39 500 SH OTR 2 0 500 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 265 3348 SH OTR 2 0 3348 0 SPDR S&P BIOTECH ETF OTHER 78464A870 13 100 SH OTR 2 0 100 0 SPDR S&P TELECOM ETF OTHER 78464A540 7 70 SH OTR 2 0 70 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 167 390 SH OTR 2 0 390 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1743 11670 SH OTR 2 0 11670 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 116 1823 SH OTR 2 0 1823 0 VANGUARD MID-CAP ETF OTHER 922908629 3876 16372 SH OTR 2 0 16372 0 VANGUARD REAL ESTATE ETF OTHER 922908553 391 3840 SH OTR 2 0 3840 0 VANGUARD S&P 500 ETF OTHER 922908363 1582 4010 SH OTR 2 0 4010 0 VANGUARD SMALL-CAP ETF OTHER 922908751 1578 7215 SH OTR 2 0 7215 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 43 500 SH OTR 2 0 500 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 307 2671 SH OTR 2 0 2671 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 50 1888 SH OTR 2 0 1888 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 49 1708 SH OTR 2 0 1708 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 48 1912 SH OTR 2 0 1912 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 187 3427 SH OTR 2 0 3427 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 50 1836 SH OTR 2 0 1836 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1003 12176 SH OTR 2 0 12176 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 49 425 SH OTR 2 0 425 0 ABBOTT LABS COMMON STOCK 002824100 24 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 22 200 SH OTR 0 200 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 50 300 SH OTR 0 300 0 AMGEN INC COMMON STOCK 031162100 32 150 SH OTR 0 150 0 ANALOG DEVICES INC COMMON STOCK 032654105 29 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 59 420 SH OTR 0 420 0 AT&T INC COMMON STOCK 00206R102 8 300 SH OTR 0 300 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15 250 SH OTR 0 250 0 CHEVRON CORPORATION COMMON STOCK 166764100 19 190 SH OTR 0 190 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 22 400 SH OTR 0 400 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 15 200 SH OTR 0 200 0 DANAHER CORP COMMON STOCK 235851102 31 101 SH OTR 0 101 0 DISNEY WALT CO NEW COMMON STOCK 254687106 34 200 SH OTR 0 200 0 DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH OTR 0 200 0 DOW INC COMMON STOCK 260557103 4 66 SH OTR 0 66 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 4 66 SH OTR 0 66 0 EXXON MOBIL CORP COMMON STOCK 30231G102 13 220 SH OTR 0 220 0 GENERAL MLS INC COMMON STOCK 370334104 6 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 33 100 SH OTR 0 100 0 INTEL CORP COMMON STOCK 458140100 21 400 SH OTR 0 400 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 14 100 SH OTR 0 100 0 JOHNSON & JOHNSON COMMON STOCK 478160104 24 150 SH OTR 0 150 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 7 48 SH OTR 0 48 0 MCDONALDS CORP COMMON STOCK 580135101 24 100 SH OTR 0 100 0 MICROSOFT CORP COMMON STOCK 594918104 113 400 SH OTR 0 400 0 ORACLE CORPORATION COMMON STOCK 68389X105 26 300 SH OTR 0 300 0 PEPSICO INC COMMON STOCK 713448108 23 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 21 150 SH OTR 0 150 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 49 250 SH OTR 0 250 0 TJX COS INC COMMON STOCK 872540109 26 400 SH OTR 0 400 0 VISA INC CL A COMMON STOCK 92826C839 16 70 SH OTR 0 70 0 WELLS FARGO & CO COMMON STOCK 949746101 28 600 SH OTR 0 600 0 VANGUARD MID-CAP ETF OTHER 922908629 105 443 SH OTR 0 443 0 VANGUARD SMALL-CAP ETF OTHER 922908751 35 158 SH OTR 0 158 0 ABBOTT LABS COMMON STOCK 002824100 77 653 SH SOLE 653 0 0 ABBVIE INC COMMON STOCK 00287Y109 5 43 SH SOLE 43 0 0 ADOBE INC COMMON STOCK 00724F101 192 333 SH SOLE 333 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 356 133 SH SOLE 133 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 99 37 SH SOLE 37 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 20 450 SH SOLE 450 0 0 AMAZON.COM INC COMMON STOCK 023135106 407 124 SH SOLE 124 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 25 150 SH SOLE 150 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 54 321 SH SOLE 321 0 0 AMGEN INC COMMON STOCK 031162100 17 79 SH SOLE 79 0 0 APPLE INC COMMON STOCK 037833100 1147 8109 SH SOLE 8109 0 0 AT&T INC COMMON STOCK 00206R102 125 4620 SH SOLE 4620 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 40 200 SH SOLE 200 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 150 3522 SH SOLE 3522 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 8 150 SH SOLE 150 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 140 513 SH SOLE 513 0 0 BEST BUY CO INC COMMON STOCK 086516101 2 20 SH SOLE 20 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 163 194 SH SOLE 194 0 0 BOEING CO COMMON STOCK 097023105 5 25 SH SOLE 25 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 3 SH SOLE 3 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 119 2013 SH SOLE 2013 0 0 CATERPILLAR INC COMMON STOCK 149123101 46 240 SH SOLE 240 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 79 774 SH SOLE 774 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 140 2572 SH SOLE 2572 0 0 CLOROX COMPANY COMMON STOCK 189054109 12 75 SH SOLE 75 0 0 COCA COLA CO COMMON STOCK 191216100 103 1971 SH SOLE 1971 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 22 290 SH SOLE 290 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 41 608 SH SOLE 608 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 70 333 SH SOLE 333 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 117 260 SH SOLE 260 0 0 CUMMINS INC COMMON STOCK 231021106 76 340 SH SOLE 340 0 0 CVS HEALTH CORP COMMON STOCK 126650100 6 75 SH SOLE 75 0 0 DANAHER CORP COMMON STOCK 235851102 10 34 SH SOLE 34 0 0 DEERE & CO COMMON STOCK 244199105 5 15 SH SOLE 15 0 0 DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 3 33 SH SOLE 33 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 255 1510 SH SOLE 1510 0 0 DOLLAR TREE INC COMMON STOCK 256746108 71 740 SH SOLE 740 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH SOLE 200 0 0 DOW INC COMMON STOCK 260557103 3 45 SH SOLE 45 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 45 SH SOLE 45 0 0 ECOLAB INC COMMON STOCK 278865100 18 85 SH SOLE 85 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 3 150 SH SOLE 150 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 140 2372 SH SOLE 2372 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 112 330 SH SOLE 330 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 22 100 SH SOLE 100 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 119 609 SH SOLE 609 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604301 74 723 SH SOLE 723 0 0 GENERAL MLS INC COMMON STOCK 370334104 21 350 SH SOLE 350 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 69 988 SH SOLE 988 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 28 75 SH SOLE 75 0 0 HOME DEPOT INC COMMON STOCK 437076102 287 875 SH SOLE 875 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 183 860 SH SOLE 860 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 37 177 SH SOLE 177 0 0 INTEL CORP COMMON STOCK 458140100 118 2219 SH SOLE 2219 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 158 1373 SH SOLE 1373 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH SOLE 33 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 57 407 SH SOLE 407 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 38 285 SH SOLE 285 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 287 1777 SH SOLE 1777 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 283 1730 SH SOLE 1730 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 7 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 2 50 SH SOLE 50 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 66 191 SH SOLE 191 0 0 LOWES COS INC COMMON STOCK 548661107 137 677 SH SOLE 677 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 75 SH SOLE 75 0 0 MASCO CORP COMMON STOCK 574599106 8 150 SH SOLE 150 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 130 374 SH SOLE 374 0 0 MCDONALDS CORP COMMON STOCK 580135101 95 393 SH SOLE 393 0 0 MERCK & CO INC COMMON STOCK 58933Y105 94 1254 SH SOLE 1254 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 56 365 SH SOLE 365 0 0 MICROSOFT CORP COMMON STOCK 594918104 516 1830 SH SOLE 1830 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 17 300 SH SOLE 300 0 0 MORGAN STANLEY COMMON STOCK 617446448 29 300 SH SOLE 300 0 0 NETFLIX INC COMMON STOCK 64110L106 225 369 SH SOLE 369 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 28 360 SH SOLE 360 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 91 625 SH SOLE 625 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 219 2519 SH SOLE 2519 0 0 ORGANON & CO COMMON STOCK 68622V106 1 37 SH SOLE 37 0 0 PAYCHEX INC COMMON STOCK 704326107 178 1580 SH SOLE 1580 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 328 1262 SH SOLE 1262 0 0 PEPSICO INC COMMON STOCK 713448108 112 742 SH SOLE 742 0 0 PFIZER INC COMMON STOCK 717081103 158 3663 SH SOLE 3663 0 0 PHILLIPS 66 COMMON STOCK 718546104 11 156 SH SOLE 156 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 142 1013 SH SOLE 1013 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 13 125 SH SOLE 125 0 0 QUALCOMM INC COMMON STOCK 747525103 120 928 SH SOLE 928 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 21 245 SH SOLE 245 0 0 SALESFORCE.COM COMMON STOCK 79466L302 92 340 SH SOLE 340 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 5 100 SH SOLE 100 0 0 SQUARE INC CL A COMMON STOCK 852234103 25 105 SH SOLE 105 0 0 STARBUCKS CORP COMMON STOCK 855244109 140 1268 SH SOLE 1268 0 0 STRYKER CORPORATION COMMON STOCK 863667101 206 781 SH SOLE 781 0 0 SYSCO CORP COMMON STOCK 871829107 51 653 SH SOLE 653 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 49 247 SH SOLE 247 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 140 727 SH SOLE 727 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 157 274 SH SOLE 274 0 0 TJX COS INC COMMON STOCK 872540109 126 1903 SH SOLE 1903 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 73 482 SH SOLE 482 0 0 UNION PAC CORP COMMON STOCK 907818108 135 691 SH SOLE 691 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 7 36 SH SOLE 36 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 125 320 SH SOLE 320 0 0 US BANCORP NEW COMMON STOCK 902973304 110 1852 SH SOLE 1852 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 18 252 SH SOLE 252 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 157 2914 SH SOLE 2914 0 0 VISA INC CL A COMMON STOCK 92826C839 295 1325 SH SOLE 1325 0 0 WALMART INC COMMON STOCK 931142103 61 436 SH SOLE 436 0 0 WELLS FARGO & CO COMMON STOCK 949746101 7 150 SH SOLE 150 0 0 WILLIAMS COS INC COMMON STOCK 969457100 50 1936 SH SOLE 1936 0 0 YUM! BRANDS INC COMMON STOCK 988498101 70 575 SH SOLE 575 0 0 3M CO COMMON STOCK 88579Y101 13 75 SH SOLE 75 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 5 200 SH SOLE 200 0 0 JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 7 99 SH SOLE 99 0 0 VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH SOLE 18 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 687 20007 SH SOLE 20007 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 20 210 SH SOLE 210 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 15 500 SH SOLE 500 0 0 COHEN & STEERS INFRASTRUCTURE OTHER 19248A109 5 200 SH SOLE 200 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 56 700 SH SOLE 700 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 90 500 SH SOLE 500 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 32 470 SH SOLE 470 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 29 549 SH SOLE 549 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 102 800 SH SOLE 800 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 65 660 SH SOLE 660 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 655 1829 SH SOLE 1829 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 702 2669 SH SOLE 2669 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 1172 10737 SH SOLE 10737 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 5 12 SH SOLE 12 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 63 800 SH SOLE 800 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 11 50 SH SOLE 50 0 0 ISHARES U.S. INFRASTRUCTURE ET OTHER 46435U713 7 200 SH SOLE 200 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 158 1991 SH SOLE 1991 0 0 NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 136 3133 SH SOLE 3133 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 159 370 SH SOLE 370 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 149 1000 SH SOLE 1000 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 69 1082 SH SOLE 1082 0 0 VANECK GOLD MINERS ETF OTHER 92189F106 3 100 SH SOLE 100 0 0 VANGUARD MID-CAP ETF OTHER 922908629 4215 17802 SH SOLE 17802 0 0 VANGUARD S&P 500 ETF OTHER 922908363 8663 21964 SH SOLE 21964 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 1710 7820 SH SOLE 7820 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 21 242 SH SOLE 242 0 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 722 6287 SH SOLE 6287 0 0 ISHARES ESG AWARE USD CORP BON OTHER 46435G193 1388 50459 SH SOLE 50459 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 1705 65616 SH SOLE 65616 0 0 ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 6 261 SH SOLE 261 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 6 254 SH SOLE 254 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 39 1497 SH SOLE 1497 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 91 3456 SH SOLE 3456 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 118 4385 SH SOLE 4385 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 132 4963 SH SOLE 4963 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 102 3576 SH SOLE 3576 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 46 1712 SH SOLE 1712 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 32 1258 SH SOLE 1258 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 37 678 SH SOLE 678 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 99 3683 SH SOLE 3683 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1869 22676 SH SOLE 22676 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1311 15340 SH SOLE 15340 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 35 607 SH SOLE 607 0 0 ABBOTT LABS COMMON STOCK 002824100 2363 20000 SH DFND 3 20000 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1354 17500 SH DFND 3 17500 0 0 ADOBE INC COMMON STOCK 00724F101 5757 10000 SH DFND 3 10000 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 691 2700 SH DFND 3 2700 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 7352 2750 SH DFND 3 2750 0 0 AMAZON.COM INC COMMON STOCK 023135106 8130 2475 SH DFND 3 2475 0 0 AMGEN INC COMMON STOCK 031162100 2531 11900 SH DFND 3 11900 0 0 APPLE INC COMMON STOCK 037833100 9764 69000 SH DFND 3 69000 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 3693 87000 SH DFND 3 87000 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2607 9550 SH DFND 3 9550 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 2810 3350 SH DFND 3 3350 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1296 8000 SH DFND 3 8000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1035 10200 SH DFND 3 10200 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 1674 30750 SH DFND 3 30750 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2280 5075 SH DFND 3 5075 0 0 DANAHER CORP COMMON STOCK 235851102 1522 5000 SH DFND 3 5000 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 1074 6350 SH DFND 3 6350 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 584 8000 SH DFND 3 8000 0 0 DOMINOS PIZZA INC COMMON STOCK 25754A201 2671 5600 SH DFND 3 5600 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 220 2250 SH DFND 3 2250 0 0 ECOLAB INC COMMON STOCK 278865100 814 3900 SH DFND 3 3900 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 1265 21500 SH DFND 3 21500 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 3564 10500 SH DFND 3 10500 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 1250 5700 SH DFND 3 5700 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 983 2600 SH DFND 3 2600 0 0 HOME DEPOT INC COMMON STOCK 437076102 3578 10900 SH DFND 3 10900 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2123 10000 SH DFND 3 10000 0 0 INTEL CORP COMMON STOCK 458140100 1284 24100 SH DFND 3 24100 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3347 29150 SH DFND 3 29150 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 2988 18500 SH DFND 3 18500 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3765 23000 SH DFND 3 23000 0 0 MASCO CORP COMMON STOCK 574599106 2778 50000 SH DFND 3 50000 0 0 MCDONALDS CORP COMMON STOCK 580135101 627 2600 SH DFND 3 2600 0 0 MICROSOFT CORP COMMON STOCK 594918104 9642 34200 SH DFND 3 34200 0 0 MORGAN STANLEY COMMON STOCK 617446448 1314 13500 SH DFND 3 13500 0 0 NETFLIX INC COMMON STOCK 64110L106 4394 7200 SH DFND 3 7200 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 746 9500 SH DFND 3 9500 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 1743 12000 SH DFND 3 12000 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 1655 19000 SH DFND 3 19000 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1561 6000 SH DFND 3 6000 0 0 PEPSICO INC COMMON STOCK 713448108 2136 14200 SH DFND 3 14200 0 0 PFIZER INC COMMON STOCK 717081103 2344 54500 SH DFND 3 54500 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2488 17800 SH DFND 3 17800 0 0 QUALCOMM INC COMMON STOCK 747525103 1451 11250 SH DFND 3 11250 0 0 SALESFORCE.COM COMMON STOCK 79466L302 5614 20700 SH DFND 3 20700 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 1762 6300 SH DFND 3 6300 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 852 13750 SH DFND 3 13750 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2756 10450 SH DFND 3 10450 0 0 SYSCO CORP COMMON STOCK 871829107 1374 17500 SH DFND 3 17500 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2997 5245 SH DFND 3 5245 0 0 TJX COS INC COMMON STOCK 872540109 1521 23050 SH DFND 3 23050 0 0 TWITTER INC COMMON STOCK 90184L102 1208 20000 SH DFND 3 20000 0 0 UNION PAC CORP COMMON STOCK 907818108 882 4500 SH DFND 3 4500 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1639 9000 SH DFND 3 9000 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3937 10075 SH DFND 3 10075 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 810 15000 SH DFND 3 15000 0 0 VF CORP COMMON STOCK 918204108 837 12500 SH DFND 3 12500 0 0 VISA INC CL A COMMON STOCK 92826C839 7379 33125 SH DFND 3 33125 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 507 3000 SH DFND 3 3000 0 0 WALMART INC COMMON STOCK 931142103 2509 18000 SH DFND 3 18000 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 2016 13500 SH DFND 3 13500 0 0 WILLIAMS COS INC COMMON STOCK 969457100 1038 40000 SH DFND 3 40000 0 0 ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 478 2500 SH DFND 3 2500 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 624 2350 SH DFND 3 2350 0 0 PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 520 1750 SH DFND 3 1750 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 798 8500 SH DFND 3 8500 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 2382 19000 SH DFND 3 19000 0 0