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 1,451 12,280 SH   DFND 2 12,280 0 0
ABBVIE INC COMMON STOCK 00287Y109 659 6,113 SH   DFND 2 6,113 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 10 135 SH   DFND 2 135 0 0
ADOBE INC COMMON STOCK 00724F101 3,099 5,383 SH   DFND 2 5,383 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 71 278 SH   DFND 2 278 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 9,480 3,546 SH   DFND 2 3,546 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 2,625 985 SH   DFND 2 985 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 256 5,631 SH   DFND 2 5,631 0 0
AMAZON.COM INC COMMON STOCK 023135106 7,605 2,315 SH   DFND 2 2,315 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 76 940 SH   DFND 2 940 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 313 1,870 SH   DFND 2 1,870 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 4,325 SH   DFND 2 4,325 0 0
AMGEN INC COMMON STOCK 031162100 1,538 7,234 SH   DFND 2 7,234 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 60 SH   DFND 2 60 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 51 14,000 SH   DFND 2 14,000 0 0
APPLE INC COMMON STOCK 037833100 10,293 72,744 SH   DFND 2 72,744 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 299 2,325 SH   DFND 2 2,325 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 36,991 SH   DFND 2 36,991 0 0
AUTODESK INC COMMON STOCK 052769106 23 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 268 1,340 SH   DFND 2 1,340 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,286 53,861 SH   DFND 2 53,861 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 66 1,280 SH   DFND 2 1,280 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 3,045 11,155 SH   DFND 2 11,155 0 0
BEST BUY CO INC COMMON STOCK 086516101 78 735 SH   DFND 2 735 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 3,179 3,791 SH   DFND 2 3,791 0 0
BLACKSTONE INC. COMMON STOCK 09260D107 117 1,008 SH   DFND 2 1,008 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 1,747 29,520 SH   DFND 2 29,520 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 1,177 SH   DFND 2 1,177 0 0
CATERPILLAR INC COMMON STOCK 149123101 833 4,339 SH   DFND 2 4,339 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 8,933 SH   DFND 2 8,933 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,559 47,019 SH   DFND 2 47,019 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 1,439 27,423 SH   DFND 2 27,423 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 265 3,511 SH   DFND 2 3,511 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 170 3,048 SH   DFND 2 3,048 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 670 9,888 SH   DFND 2 9,888 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 54 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,210 5,744 SH   DFND 2 5,744 0 0
CORNING INC COMMON STOCK 219350105 80 2,184 SH   DFND 2 2,184 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,045 4,552 SH   DFND 2 4,552 0 0
CSX CORP COMMON STOCK 126408103 13 450 SH   DFND 2 450 0 0
CUMMINS INC COMMON STOCK 231021106 1,305 5,811 SH   DFND 2 5,811 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 1,070 SH   DFND 2 1,070 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,888 22,984 SH   DFND 2 22,984 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 26 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 1,450 15,145 SH   DFND 2 15,145 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 224 3,070 SH   DFND 2 3,070 0 0
DOW INC COMMON STOCK 260557103 71 1,233 SH   DFND 2 1,233 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 100 1,029 SH   DFND 2 1,029 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 82 1,213 SH   DFND 2 1,213 0 0
EBAY INC COMMON STOCK 278642103 28 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100 586 2,810 SH   DFND 2 2,810 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 1,655 SH   DFND 2 1,655 0 0
EOG RES INC COMMON STOCK 26875P101 114 1,423 SH   DFND 2 1,423 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 50 1,082 SH   DFND 2 1,082 0 0
EXELIXIS INC COMMON STOCK 30161Q104 11 510 SH   DFND 2 510 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,983 33,710 SH   DFND 2 33,710 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,182 3,483 SH   DFND 2 3,483 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 24 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 435 1,982 SH   DFND 2 1,982 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 29 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 269 2,475 SH   DFND 2 2,475 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 132 9,300 SH   DFND 2 9,300 0 0
FORTIVE CORP COMMON STOCK 34959J108 99 1,407 SH   DFND 2 1,407 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,611 8,220 SH   DFND 2 8,220 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 244 2,373 SH   DFND 2 2,373 0 0
GENERAL MLS INC COMMON STOCK 370334104 209 3,490 SH   DFND 2 3,490 0 0
GENUINE PARTS CO COMMON STOCK 372460105 25 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 819 11,720 SH   DFND 2 11,720 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 781 2,067 SH   DFND 2 2,067 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 2,217 SH   DFND 2 2,217 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 69 1,702 SH   DFND 2 1,702 0 0
HOME DEPOT INC COMMON STOCK 437076102 4,691 14,291 SH   DFND 2 14,291 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,766 13,030 SH   DFND 2 13,030 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 2,122 39,825 SH   DFND 2 39,825 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,682 23,354 SH   DFND 2 23,354 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 329 2,459 SH   DFND 2 2,459 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 308 2,218 SH   DFND 2 2,218 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 1,894 SH   DFND 2 1,894 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,732 23,108 SH   DFND 2 23,108 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 4,864 29,716 SH   DFND 2 29,716 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 1,670 SH   DFND 2 1,670 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 1,085 SH   DFND 2 1,085 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,264 3,663 SH   DFND 2 3,663 0 0
LOWES COS INC COMMON STOCK 548661107 1,657 8,168 SH   DFND 2 8,168 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 72 SH   DFND 2 72 0 0
MASCO CORP COMMON STOCK 574599106 879 15,821 SH   DFND 2 15,821 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 1,993 5,731 SH   DFND 2 5,731 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 92 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,308 5,425 SH   DFND 2 5,425 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 18 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 941 12,524 SH   DFND 2 12,524 0 0
METLIFE INC COMMON STOCK 59156R108 41 659 SH   DFND 2 659 0 0
MICROSOFT CORP COMMON STOCK 594918104 10,056 35,670 SH   DFND 2 35,670 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 1,062 10,912 SH   DFND 2 10,912 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 24 665 SH   DFND 2 665 0 0
NETFLIX INC COMMON STOCK 64110L106 4,693 7,689 SH   DFND 2 7,689 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 919 11,703 SH   DFND 2 11,703 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 761 5,241 SH   DFND 2 5,241 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 1,030 4,971 SH   DFND 2 4,971 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 3,184 36,540 SH   DFND 2 36,540 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 1,904 16,932 SH   DFND 2 16,932 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 5,909 22,707 SH   DFND 2 22,707 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 111 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108 2,048 13,615 SH   DFND 2 13,615 0 0
PFIZER INC COMMON STOCK 717081103 2,468 57,379 SH   DFND 2 57,379 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 448 4,731 SH   DFND 2 4,731 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 2,969 21,241 SH   DFND 2 21,241 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 38 365 SH   DFND 2 365 0 0
QUALCOMM INC COMMON STOCK 747525103 1,347 10,444 SH   DFND 2 10,444 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 270 3,136 SH   DFND 2 3,136 0 0
REMARK HOLDINGS INC COMMON STOCK 75955K102 14 13,453 SH   DFND 2 13,453 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 1,490 5,493 SH   DFND 2 5,493 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 2,373 21,516 SH   DFND 2 21,516 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,789 10,575 SH   DFND 2 10,575 0 0
SYSCO CORP COMMON STOCK 871829107 719 9,163 SH   DFND 2 9,163 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 425 2,162 SH   DFND 2 2,162 0 0
TARGET CORP COMMON STOCK 87612E106 485 2,119 SH   DFND 2 2,119 0 0
TESLA INC COMMON STOCK 88160R101 326 420 SH   DFND 2 420 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,890 9,835 SH   DFND 2 9,835 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 195 1,150 SH   DFND 2 1,150 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,531 6,181 SH   DFND 2 6,181 0 0
TJX COS INC COMMON STOCK 872540109 1,552 23,515 SH   DFND 2 23,515 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 19 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 919 6,047 SH   DFND 2 6,047 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 129 2,202 SH   DFND 2 2,202 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 2,567 13,098 SH   DFND 2 13,098 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 342 1,877 SH   DFND 2 1,877 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,859 4,757 SH   DFND 2 4,757 0 0
US BANCORP NEW COMMON STOCK 902973304 1,363 22,930 SH   DFND 2 22,930 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 47 662 SH   DFND 2 662 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,904 35,252 SH   DFND 2 35,252 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 3 15 SH   DFND 2 15 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 27 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 4,974 22,332 SH   DFND 2 22,332 0 0
VONTIER CORP COMMON STOCK 928881101 6 176 SH   DFND 2 176 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 393 2,325 SH   DFND 2 2,325 0 0
WABTEC CORP COMMON STOCK 929740108 13 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103 1,070 7,676 SH   DFND 2 7,676 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 5,435 SH   DFND 2 5,435 0 0
WILLIAMS COS INC COMMON STOCK 969457100 884 34,093 SH   DFND 2 34,093 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 7,310 SH   DFND 2 7,310 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 143 980 SH   DFND 2 980 0 0
3M CO COMMON STOCK 88579Y101 422 2,405 SH   DFND 2 2,405 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 2,122 SH   DFND 2 2,122 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 1,500 SH   DFND 2 1,500 0 0
TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 6 936 SH   DFND 2 936 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 49,721 1,447,072 SH   DFND 2 1,447,072 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 1,500 SH   DFND 2 1,500 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 420 4,479 SH   DFND 2 4,479 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 168 1,341 SH   DFND 2 1,341 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 2 1,000 SH   DFND 2 1,000 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 1,890 SH   DFND 2 1,890 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 1,833 SH   DFND 2 1,833 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 91 1,320 SH   DFND 2 1,320 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 90 1,735 SH   DFND 2 1,735 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 500 13,316 SH   DFND 2 13,316 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 38 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 452 3,548 SH   DFND 2 3,548 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 246 2,510 SH   DFND 2 2,510 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 36 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 4,927 13,765 SH   DFND 2 13,765 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 13,578 51,615 SH   DFND 2 51,615 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 15,779 144,507 SH   DFND 2 144,507 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 1,432 SH   DFND 2 1,432 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 5,935 SH   DFND 2 5,935 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 1,529 19,332 SH   DFND 2 19,332 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 3 59 SH   DFND 2 59 0 0
SPDR GOLD TRUST OTHER 78463V107 250 1,525 SH   DFND 2 1,525 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 399 6,237 SH   DFND 2 6,237 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 609 15,624 SH   DFND 2 15,624 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 181 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 48 1,260 SH   DFND 2 1,260 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 8,608 20,058 SH   DFND 2 20,058 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 602 4,029 SH   DFND 2 4,029 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 518 8,113 SH   DFND 2 8,113 0 0
VANECK BIOTECH ETF OTHER 92189F726 51 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 54 1,818 SH   DFND 2 1,818 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676 111 432 SH   DFND 2 432 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 43 1,750 SH   DFND 2 1,750 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 61,759 260,852 SH   DFND 2 260,852 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 197 1,935 SH   DFND 2 1,935 0 0
VANGUARD S&P 500 ETF OTHER 922908363 95,179 241,325 SH   DFND 2 241,325 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 24,486 111,978 SH   DFND 2 111,978 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 4,787 SH   DFND 2 4,787 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 13,203 114,975 SH   DFND 2 114,975 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 200 7,700 SH   DFND 2 7,700 0 0
ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 1,051 42,489 SH   DFND 2 42,489 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 1,025 40,465 SH   DFND 2 40,465 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 1,011 38,886 SH   DFND 2 38,886 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 548 20,855 SH   DFND 2 20,855 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 650 24,201 SH   DFND 2 24,201 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 499 18,824 SH   DFND 2 18,824 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 282 9,858 SH   DFND 2 9,858 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 439 16,502 SH   DFND 2 16,502 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 140 5,543 SH   DFND 2 5,543 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 1,020 SH   DFND 2 1,020 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 543 21,992 SH   DFND 2 21,992 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 5,366 98,198 SH   DFND 2 98,198 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 392 14,516 SH   DFND 2 14,516 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 29,535 358,388 SH   DFND 2 358,388 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 4,259 49,837 SH   DFND 2 49,837 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1,006 8,659 SH   DFND 2 8,659 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,083 70,563 SH   DFND 2 70,563 0 0
ABBOTT LABS COMMON STOCK 002824100 126 1,070 SH   OTR 2 0 1,070 0
ABBVIE INC COMMON STOCK 00287Y109 218 2,025 SH   OTR 2 0 2,025 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 1,300 SH   OTR 2 0 1,300 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 1,582 11,182 SH   OTR 2 0 11,182 0
AT&T INC COMMON STOCK 00206R102 131 4,857 SH   OTR 2 0 4,857 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 665 3,325 SH   OTR 2 0 3,325 0
BANK OF AMERICA CORP COMMON STOCK 060505104 209 4,920 SH   OTR 2 0 4,920 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 76 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 153 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109 36 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 337 1,235 SH   OTR 2 0 1,235 0
BLACKROCK INC CL A COMMON STOCK 09247X101 231 275 SH   OTR 2 0 275 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 143 2,420 SH   OTR 2 0 2,420 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 247 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101 197 1,025 SH   OTR 2 0 1,025 0
CHEVRON CORPORATION COMMON STOCK 166764100 267 2,634 SH   OTR 2 0 2,634 0
CIGNA CORP COMMON STOCK 125523100 9 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 78 1,430 SH   OTR 2 0 1,430 0
CLOROX COMPANY COMMON STOCK 189054109 17 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100 107 2,030 SH   OTR 2 0 2,030 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 431 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101 17 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 91 1,346 SH   OTR 2 0 1,346 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 1,862 SH   OTR 2 0 1,862 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 1,000 SH   OTR 2 0 1,000 0
EMERSON ELEC CO COMMON STOCK 291011104 299 3,170 SH   OTR 2 0 3,170 0
EOG RES INC COMMON STOCK 26875P101 3 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102 531 9,035 SH   OTR 2 0 9,035 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 1,790 SH   OTR 2 0 1,790 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 162 765 SH   OTR 2 0 765 0
INTEL CORP COMMON STOCK 458140100 415 7,785 SH   OTR 2 0 7,785 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 118 1,025 SH   OTR 2 0 1,025 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 721 5,188 SH   OTR 2 0 5,188 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 1,094 6,772 SH   OTR 2 0 6,772 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,224 7,475 SH   OTR 2 0 7,475 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 1,800 SH   OTR 2 0 1,800 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 17 50 SH   OTR 2 0 50 0
LOWES COS INC COMMON STOCK 548661107 214 1,055 SH   OTR 2 0 1,055 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 3,555 SH   OTR 2 0 3,555 0
METLIFE INC COMMON STOCK 59156R108 15 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 2,262 8,024 SH   OTR 2 0 8,024 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 195 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106 70 115 SH   OTR 2 0 115 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 194 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103 431 2,970 SH   OTR 2 0 2,970 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 161 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 215 1,040 SH   OTR 2 0 1,040 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 3 100 SH   OTR 2 0 100 0
ORACLE CORPORATION COMMON STOCK 68389X105 550 6,315 SH   OTR 2 0 6,315 0
ORGANON & CO COMMON STOCK 68622V106 8 255 SH   OTR 2 0 255 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 174 2,109 SH   OTR 2 0 2,109 0
PAYCHEX INC COMMON STOCK 704326107 173 1,535 SH   OTR 2 0 1,535 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 245 940 SH   OTR 2 0 940 0
PEPSICO INC COMMON STOCK 713448108 727 4,835 SH   OTR 2 0 4,835 0
PFIZER INC COMMON STOCK 717081103 500 11,630 SH   OTR 2 0 11,630 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 5,155 SH   OTR 2 0 5,155 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 5,798 SH   OTR 2 0 5,798 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 2,160 SH   OTR 2 0 2,160 0
STRYKER CORPORATION COMMON STOCK 863667101 394 1,495 SH   OTR 2 0 1,495 0
SYSCO CORP COMMON STOCK 871829107 25 315 SH   OTR 2 0 315 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 342 1,740 SH   OTR 2 0 1,740 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 2,245 SH   OTR 2 0 2,245 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 3,015 SH   OTR 2 0 3,015 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 11 150 SH   OTR 2 0 150 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 241 4,467 SH   OTR 2 0 4,467 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 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839 285 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103 74 530 SH   OTR 2 0 530 0
WELLS FARGO & CO COMMON STOCK 949746101 71 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 36 1,380 SH   OTR 2 0 1,380 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 2,160 SH   OTR 2 0 2,160 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 45 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 724 21,077 SH   OTR 2 0 21,077 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 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 674 8,411 SH   OTR 2 0 8,411 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 917 5,110 SH   OTR 2 0 5,110 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 359 5,216 SH   OTR 2 0 5,216 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 165 3,161 SH   OTR 2 0 3,161 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 709 18,884 SH   OTR 2 0 18,884 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 792 6,224 SH   OTR 2 0 6,224 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 556 5,682 SH   OTR 2 0 5,682 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 3,280 SH   OTR 2 0 3,280 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 3,348 SH   OTR 2 0 3,348 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 1,743 11,670 SH   OTR 2 0 11,670 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 116 1,823 SH   OTR 2 0 1,823 0
VANGUARD MID-CAP ETF OTHER 922908629 3,876 16,372 SH   OTR 2 0 16,372 0
VANGUARD REAL ESTATE ETF OTHER 922908553 391 3,840 SH   OTR 2 0 3,840 0
VANGUARD S&P 500 ETF OTHER 922908363 1,582 4,010 SH   OTR 2 0 4,010 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,578 7,215 SH   OTR 2 0 7,215 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 2,671 SH   OTR 2 0 2,671 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 50 1,888 SH   OTR 2 0 1,888 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 49 1,708 SH   OTR 2 0 1,708 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 48 1,912 SH   OTR 2 0 1,912 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 187 3,427 SH   OTR 2 0 3,427 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 50 1,836 SH   OTR 2 0 1,836 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,003 12,176 SH   OTR 2 0 12,176 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 1,147 8,109 SH   SOLE   8,109 0 0
AT&T INC COMMON STOCK 00206R102 125 4,620 SH   SOLE   4,620 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 40 200 SH   SOLE   200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 150 3,522 SH   SOLE   3,522 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 2,013 SH   SOLE   2,013 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 2,572 SH   SOLE   2,572 0 0
CLOROX COMPANY COMMON STOCK 189054109 12 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 103 1,971 SH   SOLE   1,971 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 1,510 SH   SOLE   1,510 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 2,372 SH   SOLE   2,372 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 2,219 SH   SOLE   2,219 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 158 1,373 SH   SOLE   1,373 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 1,777 SH   SOLE   1,777 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 283 1,730 SH   SOLE   1,730 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
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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 1,254 SH   SOLE   1,254 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 56 365 SH   SOLE   365 0 0
MICROSOFT CORP COMMON STOCK 594918104 516 1,830 SH   SOLE   1,830 0 0
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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 2,519 SH   SOLE   2,519 0 0
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PAYCHEX INC COMMON STOCK 704326107 178 1,580 SH   SOLE   1,580 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 328 1,262 SH   SOLE   1,262 0 0
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PFIZER INC COMMON STOCK 717081103 158 3,663 SH   SOLE   3,663 0 0
PHILLIPS 66 COMMON STOCK 718546104 11 156 SH   SOLE   156 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 142 1,013 SH   SOLE   1,013 0 0
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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 1,268 SH   SOLE   1,268 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 1,903 SH   SOLE   1,903 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 1,852 SH   SOLE   1,852 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 18 252 SH   SOLE   252 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 157 2,914 SH   SOLE   2,914 0 0
VISA INC CL A COMMON STOCK 92826C839 295 1,325 SH   SOLE   1,325 0 0
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WELLS FARGO & CO COMMON STOCK 949746101 7 150 SH   SOLE   150 0 0
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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
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ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 687 20,007 SH   SOLE   20,007 0 0
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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
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MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 158 1,991 SH   SOLE   1,991 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 136 3,133 SH   SOLE   3,133 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 159 370 SH   SOLE   370 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 149 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 69 1,082 SH   SOLE   1,082 0 0
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ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 6 261 SH   SOLE   261 0 0
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VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1,311 15,340 SH   SOLE   15,340 0 0
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NEXTERA ENERGY INC COMMON STOCK 65339F101 746 9,500 SH   DFND 3 9,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,743 12,000 SH   DFND 3 12,000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,655 19,000 SH   DFND 3 19,000 0 0
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PFIZER INC COMMON STOCK 717081103 2,344 54,500 SH   DFND 3 54,500 0 0
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QUALCOMM INC COMMON STOCK 747525103 1,451 11,250 SH   DFND 3 11,250 0 0
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STRYKER CORPORATION COMMON STOCK 863667101 2,756 10,450 SH   DFND 3 10,450 0 0
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UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,639 9,000 SH   DFND 3 9,000 0 0
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