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
SERVICENOW INC COMMON STOCK 81762P102 6 10 SH   DFND 2 10 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 1 13 SH   DFND 2 13 0 0
TWITTER INC COMMON STOCK 90184L102 1 15 SH   DFND 2 15 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 3 15 SH   DFND 2 15 0 0
VANGUARD TOTAL STOCK MARKET ET OTHER 922908769 6 23 SH   DFND 2 23 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   DFND 2 25 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 5 25 SH   DFND 2 25 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 13 25 SH   DFND 2 25 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 8 34 SH   DFND 2 34 0 0
NUCOR CORP COMMON STOCK 670346105 4 35 SH   DFND 2 35 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 3 35 SH   DFND 2 35 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 86 36 SH   DFND 2 36 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 50 36 SH   DFND 2 36 0 0
ISHARES MSCI USA QUALITY FACTO OTHER 46432F339 6 38 SH   DFND 2 38 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 1 43 SH   DFND 2 43 0 0
CERNER CORP COMMON STOCK 156782104 4 45 SH   DFND 2 45 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102 13 50 SH   DFND 2 50 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504 14 52 SH   DFND 2 52 0 0
WELLTOWER INC REIT COMMON STOCK 95040Q104 5 59 SH   DFND 2 59 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 3 59 SH   DFND 2 59 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 11 60 SH   DFND 2 60 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 29 60 SH   DFND 2 60 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 10 60 SH   DFND 2 60 0 0
TARGET CORP COMMON STOCK 87612E106 15 66 SH   DFND 2 66 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 12 72 SH   DFND 2 72 0 0
ISHARES CORE S&P U.S. GROWTH E OTHER 464287671 8 72 SH   DFND 2 72 0 0
XYLEM INC COMMON STOCK 98419M100 9 73 SH   DFND 2 73 0 0
AUTODESK INC COMMON STOCK 052769106 22 80 SH   DFND 2 80 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 32 82 SH   DFND 2 82 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 12 85 SH   DFND 2 85 0 0
GRAINGER W W INC COMMON STOCK 384802104 46 89 SH   DFND 2 89 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 11 90 SH   DFND 2 90 0 0
ISHARES CORE MSCI EMERGING MKT OTHER 46434G103 5 90 SH   DFND 2 90 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5 93 SH   DFND 2 93 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 30 95 SH   DFND 2 95 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 5 100 SH   DFND 2 100 0 0
EXELON CORP COMMON STOCK 30161N101 6 100 SH   DFND 2 100 0 0
JABIL INC COMMON STOCK 466313103 7 100 SH   DFND 2 100 0 0
KELLOGG CO COMMON STOCK 487836108 6 100 SH   DFND 2 100 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 31 100 SH   DFND 2 100 0 0
NOVAVAX INC COMMON STOCK 670002401 14 100 SH   DFND 2 100 0 0
ROKU INC COMMON STOCK 77543R102 23 100 SH   DFND 2 100 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 11 100 SH   DFND 2 100 0 0
TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 20 100 SH   DFND 2 100 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 13 100 SH   DFND 2 100 0 0
VANGUARD INFO TECH ETF OTHER 92204A702 48 104 SH   DFND 2 104 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 52 105 SH   DFND 2 105 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 20 120 SH   DFND 2 120 0 0
CMS ENERGY CORP COMMON STOCK 125896100 8 121 SH   DFND 2 121 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 29 122 SH   DFND 2 122 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 6 124 SH   DFND 2 124 0 0
HEALTHPEAK PROPERTIES INC REIT COMMON STOCK 42250P103 5 131 SH   DFND 2 131 0 0
ISHARES PREFERRED & INCOME SEC OTHER 464288687 5 138 SH   DFND 2 138 0 0
CITIGROUP INC COMMON STOCK 172967424 9 150 SH   DFND 2 150 0 0
WABTEC CORP COMMON STOCK 929740108 14 150 SH   DFND 2 150 0 0
EATON CORP PLC COMMON STOCK G29183103 27 154 SH   DFND 2 154 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 22 155 SH   DFND 2 155 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 173 SH   DFND 2 173 0 0
VONTIER CORP COMMON STOCK 928881101 5 176 SH   DFND 2 176 0 0
PHILLIPS 66 COMMON STOCK 718546104 13 178 SH   DFND 2 178 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 21 185 SH   DFND 2 185 0 0
BECTON DICKINSON COMMON STOCK 075887109 48 190 SH   DFND 2 190 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 14 200 SH   DFND 2 200 0 0
KEMPER CORP COMMON STOCK 488401100 12 200 SH   DFND 2 200 0 0
PLUG POWER INC COMMON STOCK 72919P202 6 200 SH   DFND 2 200 0 0
BOEING CO COMMON STOCK 097023105 41 205 SH   DFND 2 205 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 5 205 SH   DFND 2 205 0 0
GENUINE PARTS CO COMMON STOCK 372460105 29 210 SH   DFND 2 210 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 17 220 SH   DFND 2 220 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 93 225 SH   DFND 2 225 0 0
IDACORP INC COMMON STOCK 451107106 26 232 SH   DFND 2 232 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 18 235 SH   DFND 2 235 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH   DFND 2 236 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 20 240 SH   DFND 2 240 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 41 244 SH   DFND 2 244 0 0
ROSS STORES INC COMMON STOCK 778296103 28 249 SH   DFND 2 249 0 0
MODERNA INC COMMON STOCK 60770K107 63 250 SH   DFND 2 250 0 0
VANECK BIOTECH ETF OTHER 92189F726 47 250 SH   DFND 2 250 0 0
CVS HEALTH CORP COMMON STOCK 126650100 26 254 SH   DFND 2 254 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 85 278 SH   DFND 2 278 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 83 280 SH   DFND 2 280 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 35 300 SH   DFND 2 300 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 18 320 SH   DFND 2 320 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 33 345 SH   DFND 2 345 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 24 350 SH   DFND 2 350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 52 355 SH   DFND 2 355 0 0
CME GROUP INC COMMON STOCK 12572Q105 86 378 SH   DFND 2 378 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 33 379 SH   DFND 2 379 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 33 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 27 390 SH   DFND 2 390 0 0
EBAY INC COMMON STOCK 278642103 27 400 SH   DFND 2 400 0 0
TESLA INC COMMON STOCK 88160R101 433 410 SH   DFND 2 410 0 0
BAXTER INTL INC COMMON STOCK 071813109 37 430 SH   DFND 2 430 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 38 432 SH   DFND 2 432 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676 133 432 SH   DFND 2 432 0 0
EOG RES INC COMMON STOCK 26875P101 39 435 SH   DFND 2 435 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 127 435 SH   DFND 2 435 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 48 439 SH   DFND 2 439 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 109 440 SH   DFND 2 440 0 0
CSX CORP COMMON STOCK 126408103 17 450 SH   DFND 2 450 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 46 475 SH   DFND 2 475 0 0
INFINERA CORP COMMON STOCK 45667G103 5 500 SH   DFND 2 500 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 25 500 SH   DFND 2 500 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 10 500 SH   DFND 2 500 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 51 500 SH   DFND 2 500 0 0
EXELIXIS INC COMMON STOCK 30161Q104 9 510 SH   DFND 2 510 0 0
VANGUARD GROWTH ETF OTHER 922908736 178 556 SH   DFND 2 556 0 0
CLOROX COMPANY COMMON STOCK 189054109 99 569 SH   DFND 2 569 0 0
FLAH & CRUM PFD & INCM SEC FUN OTHER 338478100 12 574 SH   DFND 2 574 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 209 594 SH   DFND 2 594 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 19 600 SH   DFND 2 600 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 26 600 SH   DFND 2 600 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 40 600 SH   DFND 2 600 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 53 625 SH   DFND 2 625 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108 42 650 SH   DFND 2 650 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 249 652 SH   DFND 2 652 0 0
METLIFE INC COMMON STOCK 59156R108 41 659 SH   DFND 2 659 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 26 665 SH   DFND 2 665 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 20 670 SH   DFND 2 670 0 0
CARNIVAL CORP COMMON STOCK 143658300 14 700 SH   DFND 2 700 0 0
HERTZ GLOBAL HOLDINGS INC COMMON STOCK 42806J700 18 735 SH   DFND 2 735 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 45 735 SH   DFND 2 735 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 63 739 SH   DFND 2 739 0 0
CARLOTZ INC CL A COMMON STOCK 142552108 2 750 SH   DFND 2 750 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 2,283 789 SH   DFND 2 789 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 34 795 SH   DFND 2 795 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 33 801 SH   DFND 2 801 0 0
KADANT INC COMMON STOCK 48282T104 186 809 SH   DFND 2 809 0 0
KEYCORP COMMON STOCK 493267108 19 812 SH   DFND 2 812 0 0
DEERE & CO COMMON STOCK 244199105 297 865 SH   DFND 2 865 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 114 900 SH   DFND 2 900 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 99 940 SH   DFND 2 940 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 101 941 SH   DFND 2 941 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 76 946 SH   DFND 2 946 0 0
DOW INC COMMON STOCK 260557103 55 970 SH   DFND 2 970 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 73 974 SH   DFND 2 974 0 0
BLACKROCK ENHANCED EQUITY DIVI OTHER 09251A104 10 986 SH   DFND 2 986 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 1 1,000 SH   DFND 2 1,000 0 0
TEMPLETON GLOBAL INCOME FUND OTHER 880198106 5 1,000 SH   DFND 2 1,000 0 0
BLACKSTONE INC COMMON STOCK 09260D107 130 1,008 SH   DFND 2 1,008 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 361 1,016 SH   DFND 2 1,016 0 0
LILLY ELI & CO COMMON STOCK 532457108 285 1,033 SH   DFND 2 1,033 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 14 1,057 SH   DFND 2 1,057 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 231 1,077 SH   DFND 2 1,077 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 58 1,082 SH   DFND 2 1,082 0 0
ANNALY CAPITAL MANAGEMENT REIT COMMON STOCK 035710409 9 1,110 SH   DFND 2 1,110 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 109 1,131 SH   DFND 2 1,131 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 64 1,177 SH   DFND 2 1,177 0 0
BEST BUY CO INC COMMON STOCK 086516101 124 1,224 SH   DFND 2 1,224 0 0
BLOCK INC CL A COMMON STOCK 852234103 200 1,240 SH   DFND 2 1,240 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 51 1,260 SH   DFND 2 1,260 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 312 1,265 SH   DFND 2 1,265 0 0
ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 31 1,270 SH   DFND 2 1,270 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 74 1,280 SH   DFND 2 1,280 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 102 1,320 SH   DFND 2 1,320 0 0
FORTIVE CORP COMMON STOCK 34959J108 101 1,328 SH   DFND 2 1,328 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 139 1,341 SH   DFND 2 1,341 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 358 1,383 SH   DFND 2 1,383 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 83 1,425 SH   DFND 2 1,425 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 161 1,440 SH   DFND 2 1,440 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 40 1,485 SH   DFND 2 1,485 0 0
SPDR GOLD TRUST OTHER 78463V107 256 1,495 SH   DFND 2 1,495 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 23 1,500 SH   DFND 2 1,500 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 80 1,535 SH   DFND 2 1,535 0 0
EMERSON ELEC CO COMMON STOCK 291011104 145 1,560 SH   DFND 2 1,560 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 241 1,603 SH   DFND 2 1,603 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 333 1,605 SH   DFND 2 1,605 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 124 1,670 SH   DFND 2 1,670 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 71 1,702 SH   DFND 2 1,702 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 96 1,735 SH   DFND 2 1,735 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 41 1,750 SH   DFND 2 1,750 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 36 1,780 SH   DFND 2 1,780 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 58 1,818 SH   DFND 2 1,818 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 375 1,833 SH   DFND 2 1,833 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 145 1,890 SH   DFND 2 1,890 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 314 1,920 SH   DFND 2 1,920 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 271 2,028 SH   DFND 2 2,028 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,925 2,077 SH   DFND 2 2,077 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 57 2,122 SH   DFND 2 2,122 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 425 2,162 SH   DFND 2 2,162 0 0
CORNING INC COMMON STOCK 219350105 81 2,184 SH   DFND 2 2,184 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330103 2 2,217 SH   DFND 2 2,217 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 366 2,325 SH   DFND 2 2,325 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 224 2,373 SH   DFND 2 2,373 0 0
3M CO COMMON STOCK 88579Y101 425 2,395 SH   DFND 2 2,395 0 0
FISERV INC COMMON STOCK 337738108 257 2,475 SH   DFND 2 2,475 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 212 2,484 SH   DFND 2 2,484 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 267 2,520 SH   DFND 2 2,520 0 0
ECOLAB INC COMMON STOCK 278865100 598 2,547 SH   DFND 2 2,547 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 223 2,593 SH   DFND 2 2,593 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 107 2,746 SH   DFND 2 2,746 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 955 2,838 SH   DFND 2 2,838 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 226 2,881 SH   DFND 2 2,881 0 0
GENERAL MLS INC COMMON STOCK 370334104 202 2,995 SH   DFND 2 2,995 0 0
ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 75 3,000 SH   DFND 2 3,000 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 252 3,035 SH   DFND 2 3,035 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 153 3,048 SH   DFND 2 3,048 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 265 3,111 SH   DFND 2 3,111 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 9,024 3,115 SH   DFND 2 3,115 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 3,049 3,330 SH   DFND 2 3,330 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 503 3,568 SH   DFND 2 3,568 0 0
DANAHER CORP COMMON STOCK 235851102 1,245 3,784 SH   DFND 2 3,784 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 318 3,840 SH   DFND 2 3,840 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 701 4,029 SH   DFND 2 4,029 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 309 4,261 SH   DFND 2 4,261 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,296 4,405 SH   DFND 2 4,405 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 447 4,701 SH   DFND 2 4,701 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 889 4,705 SH   DFND 2 4,705 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,681 4,722 SH   DFND 2 4,722 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,215 4,781 SH   DFND 2 4,781 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,222 4,868 SH   DFND 2 4,868 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 700 5,028 SH   DFND 2 5,028 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,506 5,255 SH   DFND 2 5,255 0 0
ADOBE INC COMMON STOCK 00724F101 3,051 5,381 SH   DFND 2 5,381 0 0
AMGEN INC COMMON STOCK 031162100 1,220 5,425 SH   DFND 2 5,425 0 0
WELLS FARGO & CO COMMON STOCK 949746101 260 5,425 SH   DFND 2 5,425 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 262 5,531 SH   DFND 2 5,531 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,017 6,008 SH   DFND 2 6,008 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,018 6,105 SH   DFND 2 6,105 0 0
ABBVIE INC COMMON STOCK 00287Y109 852 6,295 SH   DFND 2 6,295 0 0
CUMMINS INC COMMON STOCK 231021106 1,485 6,808 SH   DFND 2 6,808 0 0
NETFLIX INC COMMON STOCK 64110L106 4,115 6,830 SH   DFND 2 6,830 0 0
MERCK & CO INC COMMON STOCK 58933Y105 560 7,313 SH   DFND 2 7,313 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 184 7,334 SH   DFND 2 7,334 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 2,649 7,373 SH   DFND 2 7,373 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,002 7,470 SH   DFND 2 7,470 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,603 7,752 SH   DFND 2 7,752 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 727 7,887 SH   DFND 2 7,887 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 585 8,071 SH   DFND 2 8,071 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 960 8,179 SH   DFND 2 8,179 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1,013 8,709 SH   DFND 2 8,709 0 0
WALMART INC COMMON STOCK 931142103 1,288 8,901 SH   DFND 2 8,901 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,894 9,084 SH   DFND 2 9,084 0 0
MASCO CORP COMMON STOCK 574599106 651 9,274 SH   DFND 2 9,274 0 0
LOWES COS INC COMMON STOCK 548661107 2,430 9,401 SH   DFND 2 9,401 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 889 9,527 SH   DFND 2 9,527 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 200 9,650 SH   DFND 2 9,650 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,526 9,754 SH   DFND 2 9,754 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,624 9,811 SH   DFND 2 9,811 0 0
MORGAN STANLEY COMMON STOCK 617446448 979 9,970 SH   DFND 2 9,970 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,032 10,139 SH   DFND 2 10,139 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 730 10,194 SH   DFND 2 10,194 0 0
PEPSICO INC COMMON STOCK 713448108 1,780 10,246 SH   DFND 2 10,246 0 0
YUM! BRANDS INC COMMON STOCK 988498101 1,436 10,342 SH   DFND 2 10,342 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 761 10,550 SH   DFND 2 10,550 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 465 11,061 SH   DFND 2 11,061 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 298 11,600 SH   DFND 2 11,600 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 329 11,624 SH   DFND 2 11,624 0 0
SYSCO CORP COMMON STOCK 871829107 1,001 12,748 SH   DFND 2 12,748 0 0
UNION PAC CORP COMMON STOCK 907818108 3,223 12,793 SH   DFND 2 12,793 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 520 13,316 SH   DFND 2 13,316 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,805 13,454 SH   DFND 2 13,454 0 0
HOME DEPOT INC COMMON STOCK 437076102 5,588 13,464 SH   DFND 2 13,464 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,604 13,815 SH   DFND 2 13,815 0 0
QUALCOMM INC COMMON STOCK 747525103 2,625 14,353 SH   DFND 2 14,353 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 390 14,666 SH   DFND 2 14,666 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,707 16,227 SH   DFND 2 16,227 0 0
ABBOTT LABS COMMON STOCK 002824100 2,345 16,665 SH   DFND 2 16,665 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 3,002 18,351 SH   DFND 2 18,351 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 487 18,446 SH   DFND 2 18,446 0 0
DOLLAR TREE INC COMMON STOCK 256746108 2,623 18,664 SH   DFND 2 18,664 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,257 18,892 SH   DFND 2 18,892 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 495 18,974 SH   DFND 2 18,974 0 0
STARBUCKS CORP COMMON STOCK 855244109 2,329 19,914 SH   DFND 2 19,914 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 518 19,962 SH   DFND 2 19,962 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 529 20,104 SH   DFND 2 20,104 0 0
PAYCHEX INC COMMON STOCK 704326107 2,780 20,367 SH   DFND 2 20,367 0 0
AT&T INC COMMON STOCK 00206R102 506 20,555 SH   DFND 2 20,555 0 0
INTERCONTINENTAL EXCHANGE GRO U COMMON STOCK 45866F104 2,897 21,185 SH   DFND 2 21,185 0 0
VISA INC CL A COMMON STOCK 92826C839 4,661 21,509 SH   DFND 2 21,509 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 539 22,085 SH   DFND 2 22,085 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 4,253 22,552 SH   DFND 2 22,552 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,945 23,063 SH   DFND 2 23,063 0 0
US BANCORP NEW COMMON STOCK 902973304 1,310 23,318 SH   DFND 2 23,318 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,740 24,146 SH   DFND 2 24,146 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 2,228 24,593 SH   DFND 2 24,593 0 0
COCA COLA CO COMMON STOCK 191216100 1,478 24,960 SH   DFND 2 24,960 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 688 27,374 SH   DFND 2 27,374 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 4,405 27,816 SH   DFND 2 27,816 0 0
TJX COS INC COMMON STOCK 872540109 2,244 29,555 SH   DFND 2 29,555 0 0
MICROSOFT CORP COMMON STOCK 594918104 10,428 31,007 SH   DFND 2 31,007 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 12,364 31,078 SH   DFND 2 31,078 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,098 33,651 SH   DFND 2 33,651 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,144 35,041 SH   DFND 2 35,041 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 969 37,741 SH   DFND 2 37,741 0 0
WILLIAMS COS INC COMMON STOCK 969457100 989 37,989 SH   DFND 2 37,989 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 3,518 40,339 SH   DFND 2 40,339 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,338 44,990 SH   DFND 2 44,990 0 0
INTEL CORP COMMON STOCK 458140100 2,392 46,445 SH   DFND 2 46,445 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,343 52,654 SH   DFND 2 52,654 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,348 52,836 SH   DFND 2 52,836 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 4,650 54,867 SH   DFND 2 54,867 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 15,719 55,528 SH   DFND 2 55,528 0 0
PFIZER INC COMMON STOCK 717081103 3,282 55,588 SH   DFND 2 55,588 0 0
APPLE INC COMMON STOCK 037833100 11,486 64,685 SH   DFND 2 64,685 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,343 74,934 SH   DFND 2 74,934 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 4,902 90,978 SH   DFND 2 90,978 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 25,287 111,884 SH   DFND 2 111,884 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 14,097 123,568 SH   DFND 2 123,568 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 19,430 169,681 SH   DFND 2 169,681 0 0
VANGUARD S&P 500 ETF OTHER 922908363 99,865 228,749 SH   DFND 2 228,749 0 0
VANGUARD MID-CAP ETF OTHER 922908629 64,478 253,084 SH   DFND 2 253,084 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 25,348 311,943 SH   DFND 2 311,943 0 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 26,295 389,212 SH   DFND 2 389,212 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 50,958 1,446,440 SH   DFND 2 1,446,440 0 0
ABBOTT LABS COMMON STOCK 002824100 164 1,162 SH   OTR 2 0 1,162 0
ABBVIE INC COMMON STOCK 00287Y109 274 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101 181 320 SH   OTR 2 0 320 0
ALPHABET INC CL A COMMON STOCK 02079K305 889 307 SH   OTR 2 0 307 0
ALPHABET INC CL C COMMON STOCK 02079K107 289 100 SH   OTR 2 0 100 0
ALTRIA GROUP INC COMMON STOCK 02209S103 7 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106 437 131 SH   OTR 2 0 131 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 213 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 48 255 SH   OTR 2 0 255 0
AMGEN INC COMMON STOCK 031162100 56 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 1,968 11,082 SH   OTR 2 0 11,082 0
AT&T INC COMMON STOCK 00206R102 119 4,857 SH   OTR 2 0 4,857 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 771 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104 206 4,620 SH   OTR 2 0 4,620 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 86 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 163 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 363 1,215 SH   OTR 2 0 1,215 0
BLACKROCK INC CL A COMMON STOCK 09247X101 233 255 SH   OTR 2 0 255 0
BLOCK INC CL A COMMON STOCK 852234103 30 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 157 2,511 SH   OTR 2 0 2,511 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 259 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101 233 1,125 SH   OTR 2 0 1,125 0
CHEVRON CORPORATION COMMON STOCK 166764100 309 2,633 SH   OTR 2 0 2,633 0
CIGNA CORP COMMON STOCK 125523100 10 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 89 1,405 SH   OTR 2 0 1,405 0
CLOROX COMPANY COMMON STOCK 189054109 17 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100 117 1,980 SH   OTR 2 0 1,980 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 486 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101 15 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 97 1,346 SH   OTR 2 0 1,346 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 192 767 SH   OTR 2 0 767 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 60 105 SH   OTR 2 0 105 0
CUMMINS INC COMMON STOCK 231021106 40 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100 40 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 50 151 SH   OTR 2 0 151 0
DISNEY WALT CO NEW COMMON STOCK 254687106 291 1,877 SH   OTR 2 0 1,877 0
DOCUSIGN INC COMMON STOCK 256163106 26 170 SH   OTR 2 0 170 0
DOLLAR TREE INC COMMON STOCK 256746108 25 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109 45 575 SH   OTR 2 0 575 0
DOW INC COMMON STOCK 260557103 2 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107 34 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 67 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 235 1,000 SH   OTR 2 0 1,000 0
EMERSON ELEC CO COMMON STOCK 291011104 295 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 561 9,160 SH   OTR 2 0 9,160 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 42 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103 21 295 SH   OTR 2 0 295 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 10 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102 734 1,769 SH   OTR 2 0 1,769 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 153 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100 401 7,785 SH   OTR 2 0 7,785 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 133 975 SH   OTR 2 0 975 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 601 4,500 SH   OTR 2 0 4,500 0
INTUIT INC COMMON STOCK 461202103 521 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 92 662 SH   OTR 2 0 662 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,104 6,451 SH   OTR 2 0 6,451 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,177 7,435 SH   OTR 2 0 7,435 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
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 16 880 SH   OTR 2 0 880 0
LILLY ELI & CO COMMON STOCK 532457108 497 1,800 SH   OTR 2 0 1,800 0
LOWES COS INC COMMON STOCK 548661107 255 985 SH   OTR 2 0 985 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 65 SH   OTR 2 0 65 0
MASCO CORP COMMON STOCK 574599106 16 225 SH   OTR 2 0 225 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 32 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101 133 495 SH   OTR 2 0 495 0
MERCK & CO INC COMMON STOCK 58933Y105 249 3,255 SH   OTR 2 0 3,255 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 55 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108 15 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 2,680 7,969 SH   OTR 2 0 7,969 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 14 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 196 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106 69 115 SH   OTR 2 0 115 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 231 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103 492 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 201 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 306 1,040 SH   OTR 2 0 1,040 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 17 600 SH   OTR 2 0 600 0
ORACLE CORPORATION COMMON STOCK 68389X105 542 6,220 SH   OTR 2 0 6,220 0
ORGANON & CO COMMON STOCK 68622V106 5 180 SH   OTR 2 0 180 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 184 2,109 SH   OTR 2 0 2,109 0
PAYCHEX INC COMMON STOCK 704326107 205 1,500 SH   OTR 2 0 1,500 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 170 900 SH   OTR 2 0 900 0
PEPSICO INC COMMON STOCK 713448108 840 4,835 SH   OTR 2 0 4,835 0
PFIZER INC COMMON STOCK 717081103 681 11,530 SH   OTR 2 0 11,530 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 10 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 2 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 838 5,120 SH   OTR 2 0 5,120 0
QUALCOMM INC COMMON STOCK 747525103 45 245 SH   OTR 2 0 245 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 87 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 491 5,705 SH   OTR 2 0 5,705 0
SOUTHERN COMPANY COMMON STOCK 842587107 41 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109 247 2,110 SH   OTR 2 0 2,110 0
STRYKER CORPORATION COMMON STOCK 863667101 394 1,475 SH   OTR 2 0 1,475 0
SYSCO CORP COMMON STOCK 871829107 21 270 SH   OTR 2 0 270 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 31 165 SH   OTR 2 0 165 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 260 390 SH   OTR 2 0 390 0
TJX COS INC COMMON STOCK 872540109 167 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 19 120 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 125 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 150 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 173 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304 167 2,975 SH   OTR 2 0 2,975 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 232 4,467 SH   OTR 2 0 4,467 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 66 300 SH   OTR 2 0 300 0
VIACOMCBS INC CL B COMMON STOCK 92556H206 23 776 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 277 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103 75 520 SH   OTR 2 0 520 0
WELLS FARGO & CO COMMON STOCK 949746101 73 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 42 1,600 SH   OTR 2 0 1,600 0
YUM! BRANDS INC COMMON STOCK 988498101 19 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 48 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 384 2,160 SH   OTR 2 0 2,160 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 50 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 743 21,076 SH   OTR 2 0 21,076 0
EATON CORP PLC COMMON STOCK G29183103 86 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G5494J103 95 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 12 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103 93 900 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 160 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 671 8,641 SH   OTR 2 0 8,641 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 980 4,796 SH   OTR 2 0 4,796 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 390 5,060 SH   OTR 2 0 5,060 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 175 3,161 SH   OTR 2 0 3,161 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 726 18,586 SH   OTR 2 0 18,586 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 882 6,263 SH   OTR 2 0 6,263 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 599 5,662 SH   OTR 2 0 5,662 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 53 133 SH   OTR 2 0 133 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 323 4,779 SH   OTR 2 0 4,779 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 164 578 SH   OTR 2 0 578 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 460 4,021 SH   OTR 2 0 4,021 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 4 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 19 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 42 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 335 3,702 SH   OTR 2 0 3,702 0
SPDR S&P BIOTECH ETF OTHER 78464A870 11 100 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 185 390 SH   OTR 2 0 390 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,998 11,492 SH   OTR 2 0 11,492 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 122 1,699 SH   OTR 2 0 1,699 0
VANGUARD MID-CAP ETF OTHER 922908629 4,125 16,191 SH   OTR 2 0 16,191 0
VANGUARD REAL ESTATE ETF OTHER 922908553 445 3,840 SH   OTR 2 0 3,840 0
VANGUARD S&P 500 ETF OTHER 922908363 1,669 3,822 SH   OTR 2 0 3,822 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,630 7,213 SH   OTR 2 0 7,213 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 305 2,671 SH   OTR 2 0 2,671 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 3 110 SH   OTR 2 0 110 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 3 110 SH   OTR 2 0 110 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 52 1,993 SH   OTR 2 0 1,993 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 3 105 SH   OTR 2 0 105 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 3 105 SH   OTR 2 0 105 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 51 1,808 SH   OTR 2 0 1,808 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 3 105 SH   OTR 2 0 105 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 51 2,027 SH   OTR 2 0 2,027 0
ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 3 115 SH   OTR 2 0 115 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 185 3,427 SH   OTR 2 0 3,427 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 52 1,941 SH   OTR 2 0 1,941 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 938 11,543 SH   OTR 2 0 11,543 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 49 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100 2,815 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,164 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 5,671 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 822 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,649 1,950 SH   DFND 3 1,950 0 0
AMAZON.COM INC COMMON STOCK 023135106 8,252 2,475 SH   DFND 3 2,475 0 0
AMGEN INC COMMON STOCK 031162100 2,677 11,900 SH   DFND 3 11,900 0 0
APPLE INC COMMON STOCK 037833100 11,524 64,900 SH   DFND 3 64,900 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 3,092 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,855 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 3,067 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 987 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101 827 4,000 SH   DFND 3 4,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 986 8,400 SH   DFND 3 8,400 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,949 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,313 4,075 SH   DFND 3 4,075 0 0
DANAHER CORP COMMON STOCK 235851102 1,645 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 984 6,350 SH   DFND 3 6,350 0 0
DOLLAR TREE INC COMMON STOCK 256746108 857 6,100 SH   DFND 3 6,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 628 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 3,160 5,600 SH   DFND 3 5,600 0 0
ECOLAB INC COMMON STOCK 278865100 915 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 618 10,100 SH   DFND 3 10,100 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,474 5,700 SH   DFND 3 5,700 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 995 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 4,524 10,900 SH   DFND 3 10,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,085 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 1,241 24,100 SH   DFND 3 24,100 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3,604 26,350 SH   DFND 3 26,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,165 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,642 23,000 SH   DFND 3 23,000 0 0
MASCO CORP COMMON STOCK 574599106 3,307 47,100 SH   DFND 3 47,100 0 0
MCDONALDS CORP COMMON STOCK 580135101 697 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 3,195 9,500 SH   DFND 3 9,500 0 0
MICROSOFT CORP COMMON STOCK 594918104 11,300 33,600 SH   DFND 3 33,600 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,109 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106 2,937 4,875 SH   DFND 3 4,875 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 513 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 2,000 12,000 SH   DFND 3 12,000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,657 19,000 SH   DFND 3 19,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,792 9,500 SH   DFND 3 9,500 0 0
PEPSICO INC COMMON STOCK 713448108 2,467 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 3,218 54,500 SH   DFND 3 54,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,519 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103 2,057 11,250 SH   DFND 3 11,250 0 0
SALESFORCE.COM COMMON STOCK 79466L302 4,930 19,400 SH   DFND 3 19,400 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,954 5,550 SH   DFND 3 5,550 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 628 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,407 9,000 SH   DFND 3 9,000 0 0
SYSCO CORP COMMON STOCK 871829107 1,375 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,500 5,245 SH   DFND 3 5,245 0 0
TJX COS INC COMMON STOCK 872540109 1,750 23,050 SH   DFND 3 23,050 0 0
TWITTER INC COMMON STOCK 90184L102 864 20,000 SH   DFND 3 20,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,134 4,500 SH   DFND 3 4,500 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,929 9,000 SH   DFND 3 9,000 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4,356 8,675 SH   DFND 3 8,675 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 779 15,000 SH   DFND 3 15,000 0 0
VF CORP COMMON STOCK 918204108 915 12,500 SH   DFND 3 12,500 0 0
VISA INC CL A COMMON STOCK 92826C839 7,179 33,125 SH   DFND 3 33,125 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 623 3,000 SH   DFND 3 3,000 0 0
WALMART INC COMMON STOCK 931142103 2,243 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 2,253 13,500 SH   DFND 3 13,500 0 0
WILLIAMS COS INC COMMON STOCK 969457100 896 34,400 SH   DFND 3 34,400 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 446 2,000 SH   DFND 3 2,000 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 687 2,350 SH   DFND 3 2,350 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 543 1,450 SH   DFND 3 1,450 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 784 8,500 SH   DFND 3 8,500 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 1,966 19,000 SH   DFND 3 19,000 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 3 SH   SOLE   3 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 6 12 SH   SOLE   12 0 0
VMWARE INC CL A COMMON STOCK 928563402 2 14 SH   SOLE   14 0 0
DEERE & CO COMMON STOCK 244199105 5 15 SH   SOLE   15 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
BOEING CO COMMON STOCK 097023105 5 25 SH   SOLE   25 0 0
ECOLAB INC COMMON STOCK 278865100 7 30 SH   SOLE   30 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 33 SH   SOLE   33 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 5 33 SH   SOLE   33 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 98 34 SH   SOLE   34 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 8 36 SH   SOLE   36 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 4 40 SH   SOLE   40 0 0
DOW INC COMMON STOCK 260557103 3 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 4 45 SH   SOLE   45 0 0
BEST BUY CO INC COMMON STOCK 086516101 5 50 SH   SOLE   50 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
ISHARES RUSSELL 2000 ETF OTHER 464287655 14 62 SH   SOLE   62 0 0
CLOROX COMPANY COMMON STOCK 189054109 13 75 SH   SOLE   75 0 0
CVS HEALTH CORP COMMON STOCK 126650100 8 75 SH   SOLE   75 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 29 75 SH   SOLE   75 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 12 75 SH   SOLE   75 0 0
AMGEN INC COMMON STOCK 031162100 18 79 SH   SOLE   79 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 18 92 SH   SOLE   92 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 7 99 SH   SOLE   99 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 26 100 SH   SOLE   100 0 0
MORGAN STANLEY COMMON STOCK 617446448 10 100 SH   SOLE   100 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 4 100 SH   SOLE   100 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 3 100 SH   SOLE   100 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 50 106 SH   SOLE   106 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 313 108 SH   SOLE   108 0 0
AMAZON.COM INC COMMON STOCK 023135106 363 109 SH   SOLE   109 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 14 125 SH   SOLE   125 0 0
DANAHER CORP COMMON STOCK 235851102 43 130 SH   SOLE   130 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 9 150 SH   SOLE   150 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 3 150 SH   SOLE   150 0 0
MASCO CORP COMMON STOCK 574599106 11 150 SH   SOLE   150 0 0
WELLS FARGO & CO COMMON STOCK 949746101 7 150 SH   SOLE   150 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 39 157 SH   SOLE   157 0 0
PEPSICO INC COMMON STOCK 713448108 28 160 SH   SOLE   160 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 44 180 SH   SOLE   180 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 171 187 SH   SOLE   187 0 0
COHEN & STEERS INFRASTRUCTURE OTHER 19248A109 6 200 SH   SOLE   200 0 0
ISHARES U.S. INFRASTRUCTURE ET OTHER 46435U713 8 200 SH   SOLE   200 0 0
BLOCK INC CL A COMMON STOCK 852234103 35 216 SH   SOLE   216 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 133 235 SH   SOLE   235 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 21 242 SH   SOLE   242 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 21 245 SH   SOLE   245 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 6 254 SH   SOLE   254 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 173 259 SH   SOLE   259 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 17 260 SH   SOLE   260 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 49 261 SH   SOLE   261 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 25 290 SH   SOLE   290 0 0
ADOBE INC COMMON STOCK 00724F101 170 300 SH   SOLE   300 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 20 300 SH   SOLE   300 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 76 303 SH   SOLE   303 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 102 303 SH   SOLE   303 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 30 320 SH   SOLE   320 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 24 335 SH   SOLE   335 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 168 335 SH   SOLE   335 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 19 344 SH   SOLE   344 0 0
GENERAL MLS INC COMMON STOCK 370334104 24 350 SH   SOLE   350 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 34 360 SH   SOLE   360 0 0
SALESFORCE.COM COMMON STOCK 79466L302 94 370 SH   SOLE   370 0 0
CUMMINS INC COMMON STOCK 231021106 83 380 SH   SOLE   380 0 0
NETFLIX INC COMMON STOCK 64110L106 231 384 SH   SOLE   384 0 0
WALMART INC COMMON STOCK 931142103 58 401 SH   SOLE   401 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 54 407 SH   SOLE   407 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 146 407 SH   SOLE   407 0 0
CATERPILLAR INC COMMON STOCK 149123101 86 415 SH   SOLE   415 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 132 443 SH   SOLE   443 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 21 450 SH   SOLE   450 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 36 470 SH   SOLE   470 0 0
MCDONALDS CORP COMMON STOCK 580135101 127 473 SH   SOLE   473 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 15 500 SH   SOLE   500 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 102 500 SH   SOLE   500 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 108 519 SH   SOLE   519 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 89 535 SH   SOLE   535 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 67 574 SH   SOLE   574 0 0
SYSCO CORP COMMON STOCK 871829107 45 578 SH   SOLE   578 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 81 580 SH   SOLE   580 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 91 582 SH   SOLE   582 0 0
YUM! BRANDS INC COMMON STOCK 988498101 83 595 SH   SOLE   595 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 35 607 SH   SOLE   607 0 0
LOWES COS INC COMMON STOCK 548661107 161 624 SH   SOLE   624 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 70 660 SH   SOLE   660 0 0
MERCK & CO INC COMMON STOCK 58933Y105 52 675 SH   SOLE   675 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 59 675 SH   SOLE   675 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 37 678 SH   SOLE   678 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 50 688 SH   SOLE   688 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 54 700 SH   SOLE   700 0 0
STRYKER CORPORATION COMMON STOCK 863667101 190 711 SH   SOLE   711 0 0
UNION PAC CORP COMMON STOCK 907818108 180 716 SH   SOLE   716 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 68 723 SH   SOLE   723 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 138 732 SH   SOLE   732 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 154 740 SH   SOLE   740 0 0
ABBOTT LABS COMMON STOCK 002824100 106 753 SH   SOLE   753 0 0
HOME DEPOT INC COMMON STOCK 437076102 324 780 SH   SOLE   780 0 0
DOLLAR TREE INC COMMON STOCK 256746108 110 785 SH   SOLE   785 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 113 800 SH   SOLE   800 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 66 800 SH   SOLE   800 0 0
QUALCOMM INC COMMON STOCK 747525103 161 878 SH   SOLE   878 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 153 933 SH   SOLE   933 0 0
STARBUCKS CORP COMMON STOCK 855244109 110 938 SH   SOLE   938 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 174 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 73 1,017 SH   SOLE   1,017 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 205 1,087 SH   SOLE   1,087 0 0
VISA INC CL A COMMON STOCK 92826C839 247 1,140 SH   SOLE   1,140 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 167 1,218 SH   SOLE   1,218 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 32 1,258 SH   SOLE   1,258 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 221 1,292 SH   SOLE   1,292 0 0
PAYCHEX INC COMMON STOCK 704326107 182 1,330 SH   SOLE   1,330 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 222 1,436 SH   SOLE   1,436 0 0
MICROSOFT CORP COMMON STOCK 594918104 494 1,470 SH   SOLE   1,470 0 0
TJX COS INC COMMON STOCK 872540109 112 1,478 SH   SOLE   1,478 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 235 1,485 SH   SOLE   1,485 0 0
INTEL CORP COMMON STOCK 458140100 77 1,488 SH   SOLE   1,488 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 38 1,497 SH   SOLE   1,497 0 0
US BANCORP NEW COMMON STOCK 902973304 85 1,518 SH   SOLE   1,518 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 45 1,712 SH   SOLE   1,712 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 170 1,876 SH   SOLE   1,876 0 0
COCA COLA CO COMMON STOCK 191216100 120 2,031 SH   SOLE   2,031 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 182 2,089 SH   SOLE   2,089 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 131 2,108 SH   SOLE   2,108 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 149 2,357 SH   SOLE   2,357 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 146 2,385 SH   SOLE   2,385 0 0
WILLIAMS COS INC COMMON STOCK 969457100 69 2,666 SH   SOLE   2,666 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 784 2,769 SH   SOLE   2,769 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 126 2,838 SH   SOLE   2,838 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 152 2,919 SH   SOLE   2,919 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1,207 3,034 SH   SOLE   3,034 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 141 3,353 SH   SOLE   3,353 0 0
PFIZER INC COMMON STOCK 717081103 202 3,413 SH   SOLE   3,413 0 0
AT&T INC COMMON STOCK 00206R102 87 3,550 SH   SOLE   3,550 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 101 3,576 SH   SOLE   3,576 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 98 3,683 SH   SOLE   3,683 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 116 4,456 SH   SOLE   4,456 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 129 4,885 SH   SOLE   4,885 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 129 4,963 SH   SOLE   4,963 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 715 6,271 SH   SOLE   6,271 0 0
APPLE INC COMMON STOCK 037833100 1,339 7,542 SH   SOLE   7,542 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,707 7,551 SH   SOLE   7,551 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 1,377 12,027 SH   SOLE   12,027 0 0
VANGUARD MID-CAP ETF OTHER 922908629 4,266 16,746 SH   SOLE   16,746 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1,435 16,927 SH   SOLE   16,927 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,653 20,345 SH   SOLE   20,345 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 746 21,171 SH   SOLE   21,171 0 0
VANGUARD S&P 500 ETF OTHER 922908363 9,356 21,430 SH   SOLE   21,430 0 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 1,821 26,957 SH   SOLE   26,957 0 0
ISHARES ESG AWARE USD CORP BON OTHER 46435G193 1,392 51,024 SH   SOLE   51,024 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 1,683 65,616 SH   SOLE   65,616 0 0
ABBOTT LABS COMMON STOCK 002824100 28 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 27 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 49 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 34 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 31 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 75 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102 7 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 16 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 22 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 25 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 17 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 33 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 31 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 16 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 4 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 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 7 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 42 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 21 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 13 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 26 150 SH   OTR   0 150 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 0 20 SH   OTR   0 20 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 8 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 27 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 135 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 26 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 26 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 25 150 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 30 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 15 70 SH   OTR   0 70 0
WELLS FARGO & CO COMMON STOCK 949746101 29 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629 113 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751 36 158 SH   OTR   0 158 0