SEVP, Treasurer & CFO

0000717538-22-000122.txt : 20220426 0000717538-22-000122.hdr.sgml : 20220426 20220426171052 ACCESSION NUMBER: 0000717538-22-000122 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220331 FILED AS OF DATE: 20220426 DATE AS OF CHANGE: 20220426 EFFECTIVENESS DATE: 20220426 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ARROW FINANCIAL CORP CENTRAL INDEX KEY: 0000717538 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222448962 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 22855308 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5184154299 MAIL ADDRESS: STREET 1: 250 GLEN STREET CITY: GLENS FALLS STATE: NY ZIP: 12801 FORMER COMPANY: FORMER CONFORMED NAME: ARROW BANK CORP DATE OF NAME CHANGE: 19900710 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 03-31-2022 03-31-2022 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 N Edward J. Campanella SEVP, Treasurer & CFO 518-415-4512 /s/ Edward J. Campanella Glens Falls NY 04-26-2022 2 760 835729 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. 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031162100 1257 5200 SH DFND 2 5200 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 10 60 SH DFND 2 60 0 0 APPLE INC COMMON STOCK 037833100 10981 62886 SH DFND 2 62886 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 303 2300 SH DFND 2 2300 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 18 200 SH DFND 2 200 0 0 ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 88 891 SH DFND 2 891 0 0 AT&T INC COMMON STOCK 00206R102 369 15619 SH DFND 2 15619 0 0 AUTODESK INC COMMON STOCK 052769106 17 80 SH DFND 2 80 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 254 1115 SH DFND 2 1115 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2115 51313 SH DFND 2 51313 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 64 1280 SH DFND 2 1280 0 0 BAXTER INTL INC COMMON STOCK 071813109 33 430 SH DFND 2 430 0 0 BECTON DICKINSON COMMON STOCK 075887109 51 190 SH DFND 2 190 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3525 9989 SH DFND 2 9989 0 0 BEST BUY CO INC COMMON STOCK 086516101 115 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SH DFND 2 46809 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2816 21312 SH DFND 2 21312 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 211 1603 SH DFND 2 1603 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 259 1993 SH DFND 2 1993 0 0 JABIL INC COMMON STOCK 466313103 6 100 SH DFND 2 100 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 24 120 SH DFND 2 120 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 210 1525 SH DFND 2 1525 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3977 22437 SH DFND 2 22437 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3788 27786 SH DFND 2 27786 0 0 KADANT INC COMMON STOCK 48282T104 157 809 SH DFND 2 809 0 0 KELLOGG CO COMMON STOCK 487836108 6 100 SH DFND 2 100 0 0 KEMPER CORP COMMON STOCK 488401100 11 200 SH DFND 2 200 0 0 KEYCORP COMMON STOCK 493267108 18 812 SH DFND 2 812 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 19 155 SH DFND 2 155 0 0 KKR & CO INC CL A COMMON STOCK 48251W104 98 1670 SH DFND 2 1670 0 0 LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 26 100 SH DFND 2 100 0 0 LILLY ELI & CO COMMON STOCK 532457108 296 1033 SH DFND 2 1033 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 342 775 SH DFND 2 775 0 0 LOWES COS INC COMMON STOCK 548661107 1943 9611 SH DFND 2 9611 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 13 72 SH DFND 2 72 0 0 MASCO CORP COMMON STOCK 574599106 747 14650 SH DFND 2 14650 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 2696 7545 SH DFND 2 7545 0 0 MCCORMICK & CO INC COMMON STOCK 579780206 113 1131 SH DFND 2 1131 0 0 MCDONALDS CORP COMMON STOCK 580135101 1922 7774 SH DFND 2 7774 0 0 MDU RESOURCES GROUP INC COMMON STOCK 552690109 16 600 SH DFND 2 600 0 0 MERCK & CO INC COMMON STOCK 58933Y105 566 6898 SH DFND 2 6898 0 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 589 2648 SH DFND 2 2648 0 0 METLIFE INC COMMON STOCK 59156R108 46 659 SH DFND 2 659 0 0 MICROSOFT CORP COMMON STOCK 594918104 9312 30202 SH DFND 2 30202 0 0 MODERNA INC COMMON STOCK 60770K107 43 250 SH DFND 2 250 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 173 SH DFND 2 173 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 38 475 SH DFND 2 475 0 0 MORGAN STANLEY COMMON 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INC COMMON STOCK 70450Y103 2942 25437 SH DFND 2 25437 0 0 PENN NATIONAL GAMING INC COMMON STOCK 707569109 65 1535 SH DFND 2 1535 0 0 PEPSICO INC COMMON STOCK 713448108 1636 9772 SH DFND 2 9772 0 0 PFIZER INC COMMON STOCK 717081103 2819 54454 SH DFND 2 54454 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 399 4251 SH DFND 2 4251 0 0 PHILLIPS 66 COMMON STOCK 718546104 12 143 SH DFND 2 143 0 0 PLUG POWER INC COMMON STOCK 72919P202 6 200 SH DFND 2 200 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2685 17574 SH DFND 2 17574 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 41 350 SH DFND 2 350 0 0 QUALCOMM INC COMMON STOCK 747525103 2325 15212 SH DFND 2 15212 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 254 2560 SH DFND 2 2560 0 0 ROKU INC COMMON STOCK 77543R102 13 100 SH DFND 2 100 0 0 ROPER TECHNOLOGIES INC COMMON STOCK 776696106 50 105 SH DFND 2 105 0 0 ROSS STORES INC COMMON STOCK 778296103 23 249 SH DFND 2 249 0 0 S&P GLOBAL INC COMMON STOCK 78409V104 41 100 SH DFND 2 100 0 0 SALESFORCE.COM COMMON STOCK 79466L302 1021 4811 SH DFND 2 4811 0 0 SERVICENOW INC COMMON STOCK 81762P102 6 10 SH DFND 2 10 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 148 594 SH DFND 2 594 0 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 7 50 SH DFND 2 50 0 0 SMITH A O CORPORATION COMMON STOCK 831865209 25 390 SH DFND 2 390 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 28 390 SH DFND 2 390 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 23 500 SH DFND 2 500 0 0 STARBUCKS CORP COMMON STOCK 855244109 1809 19889 SH DFND 2 19889 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2618 9791 SH DFND 2 9791 0 0 SYSCO CORP COMMON STOCK 871829107 1037 12698 SH DFND 2 12698 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 327 2162 SH DFND 2 2162 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 565 5705 SH OTR 2 0 5705 0 TESLA INC COMMON STOCK 88160R101 415 385 SH DFND 2 385 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2759 15037 SH DFND 2 15037 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 5 25 SH DFND 2 25 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3061 5182 SH DFND 2 5182 0 0 TJX COS INC COMMON STOCK 872540109 1804 29783 SH DFND 2 29783 0 0 TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 19 240 SH DFND 2 240 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 17280 47663 SH DFND 2 47663 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 86 1525 SH DFND 2 1525 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 3407 12471 SH DFND 2 12471 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 231 1077 SH DFND 2 1077 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3034 5950 SH DFND 2 5950 0 0 US BANCORP NEW COMMON STOCK 902973304 1203 22641 SH DFND 2 22641 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2262 44404 SH DFND 2 44404 0 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH DFND 2 15 0 0 VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 10 1057 SH DFND 2 1057 0 0 VISA INC CL A COMMON STOCK 92826C839 4786 21580 SH DFND 2 21580 0 0 VONTIER CORP COMMON STOCK 928881101 4 176 SH DFND 2 176 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 295 1605 SH DFND 2 1605 0 0 WABTEC CORP COMMON STOCK 929740108 14 150 SH DFND 2 150 0 0 WALMART INC COMMON STOCK 931142103 1296 8703 SH DFND 2 8703 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 39 244 SH DFND 2 244 0 0 WEC ENERGY GROUP INC COMMON STOCK 92939U106 34 345 SH DFND 2 345 0 0 WELLS FARGO & CO COMMON STOCK 949746101 256 5285 SH DFND 2 5285 0 0 WILLIAMS COS INC COMMON STOCK 969457100 1291 38631 SH DFND 2 38631 0 0 XYLEM INC COMMON STOCK 98419M100 6 73 SH DFND 2 73 0 0 YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 21 500 SH DFND 2 500 0 0 YUM! BRANDS INC COMMON STOCK 988498101 1348 11370 SH DFND 2 11370 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 105 820 SH DFND 2 820 0 0 ZIMVIE INC COMMON STOCK 98888T107 1 55 SH DFND 2 55 0 0 3M CO COMMON STOCK 88579Y101 354 2375 SH DFND 2 2375 0 0 BIONTECH SE SPONS ADR COMMON STOCK 09075V102 9 50 SH DFND 2 50 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 62 2122 SH DFND 2 2122 0 0 RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 48 600 SH DFND 2 600 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 109 435 SH DFND 2 435 0 0 LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 24 1500 SH DFND 2 1500 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 46810 1443857 SH DFND 2 1443857 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 76 225 SH DFND 2 225 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 12 500 SH DFND 2 500 0 0 CARNIVAL CORP COMMON STOCK 143658300 14 700 SH DFND 2 700 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 24 175 SH DFND 2 175 0 0 EATON CORP PLC COMMON STOCK G29183103 23 154 SH DFND 2 154 0 0 ENBRIDGE INCORPORATED COMMON STOCK 29250N105 127 2746 SH DFND 2 2746 0 0 GLOBALFOUNDRIES INC COMMON STOCK G39387108 48 775 SH DFND 2 775 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 853 8299 SH DFND 2 8299 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH DFND 2 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 149 1341 SH DFND 2 1341 0 0 MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 1 1000 SH DFND 2 1000 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 11 100 SH DFND 2 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 23 545 SH DFND 2 545 0 0 SHOPIFY INC CL A COMMON STOCK 82509L107 24 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 150 1890 SH DFND 2 1890 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 15 220 SH DFND 2 220 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 339 1833 SH DFND 2 1833 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 100 1320 SH DFND 2 1320 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 138 1800 SH DFND 2 1800 0 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 511 13341 SH DFND 2 13341 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 37 1485 SH DFND 2 1485 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 489 3571 SH DFND 2 3571 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 260 2520 SH DFND 2 2520 0 0 INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 35 1780 SH DFND 2 1780 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 111 306 SH OTR 2 0 306 0 ISHARES CORE MSCI DEV MKTS OTHER 46435G326 37787 593853 SH DFND 2 593853 0 0 ISHARES CORE MSCI EAFE ETF OTHER 46432F842 65 935 SH DFND 2 935 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 37629 140228 SH DFND 2 140228 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 33450 310068 SH DFND 2 310068 0 0 ISHARES CORE S&P U.S. GROWTH E OTHER 464287671 4 36 SH DFND 2 36 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 11 150 SH DFND 2 150 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 0 1 SH DFND 2 1 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 235 3015 SH DFND 2 3015 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 7 34 SH DFND 2 34 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 43 735 SH DFND 2 735 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 2169 24605 SH DFND 2 24605 0 0 REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 3 59 SH DFND 2 59 0 0 SPDR GOLD TRUST OTHER 78463V107 270 1495 SH DFND 2 1495 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 551 8321 SH DFND 2 8321 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 360 8626 SH DFND 2 8626 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 129 1440 SH DFND 2 1440 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 53 1260 SH DFND 2 1260 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 12 25 SH DFND 2 25 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 6823 15108 SH DFND 2 15108 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 640 4029 SH DFND 2 4029 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 754 10131 SH DFND 2 10131 0 0 VANECK BIOTECH ETF OTHER 92189F726 41 250 SH DFND 2 250 0 0 VANECK GOLD MINERS ETF OTHER 92189F106 64 1670 SH DFND 2 1670 0 0 VANECK SEMICONDUCTOR ETF OTHER 92189F676 117 432 SH DFND 2 432 0 0 VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 34 1750 SH DFND 2 1750 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 6 124 SH DFND 2 124 0 0 VANGUARD GROWTH ETF OTHER 922908736 160 556 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 43 104 SH DFND 2 104 0 0 VANGUARD MID-CAP ETF OTHER 922908629 41296 173630 SH DFND 2 173630 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 20 185 SH DFND 2 185 0 0 VANGUARD S&P 500 ETF OTHER 922908363 98353 236897 SH DFND 2 236897 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 15600 73403 SH DFND 2 73403 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 207 2484 SH DFND 2 2484 0 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 10739 100270 SH DFND 2 100270 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 382 15520 SH DFND 2 15520 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 1373 54824 SH DFND 2 54824 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 1666 65896 SH DFND 2 65896 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 1211 48239 SH DFND 2 48239 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 1308 51816 SH DFND 2 51816 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 1279 51882 SH DFND 2 51882 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 912 34634 SH DFND 2 34634 0 0 TARGET CORP COMMON STOCK 87612E106 14 66 SH DFND 2 66 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 886 38236 SH DFND 2 38236 0 0 ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 774 34023 SH DFND 2 34023 0 0 ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 31 1270 SH DFND 2 1270 0 0 ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 775 32564 SH DFND 2 32564 0 0 ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 142 5981 SH DFND 2 5981 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 6032 116629 SH DFND 2 116629 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 1071 42941 SH DFND 2 42941 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 23482 300701 SH DFND 2 300701 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 6196 77901 SH DFND 2 77901 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1064 9704 SH DFND 2 9704 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4248 77876 SH DFND 2 77876 0 0 ABBOTT LABS COMMON STOCK 002824100 138 1162 SH OTR 2 0 1162 0 ABBVIE INC COMMON STOCK 00287Y109 328 2025 SH OTR 2 0 2025 0 ADOBE INC COMMON STOCK 00724F101 146 320 SH OTR 2 0 320 0 ALPHABET INC CL A COMMON STOCK 02079K305 854 307 SH OTR 2 0 307 0 ALPHABET INC CL C COMMON STOCK 02079K107 279 100 SH OTR 2 0 100 0 ALTRIA GROUP INC COMMON STOCK 02209S103 8 150 SH OTR 2 0 150 0 AMAZON.COM INC COMMON STOCK 023135106 427 131 SH OTR 2 0 131 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 243 1300 SH OTR 2 0 1300 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 42 255 SH OTR 2 0 255 0 AMGEN INC COMMON STOCK 031162100 60 250 SH OTR 2 0 250 0 APPLE INC COMMON STOCK 037833100 1888 10812 SH OTR 2 0 10812 0 AT&T INC COMMON STOCK 00206R102 115 4857 SH OTR 2 0 4857 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 711 3125 SH OTR 2 0 3125 0 BANK OF AMERICA CORP COMMON STOCK 060505104 221 5370 SH OTR 2 0 5370 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 73 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 147 1900 SH OTR 2 0 1900 0 BECTON DICKINSON COMMON STOCK 075887109 39 145 SH OTR 2 0 145 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 429 1215 SH OTR 2 0 1215 0 BLACKROCK INC CL A COMMON STOCK 09247X101 195 255 SH OTR 2 0 255 0 BLOCK INC CL A COMMON STOCK 852234103 25 185 SH OTR 2 0 185 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 183 2511 SH OTR 2 0 2511 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 11 200 SH OTR 2 0 200 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 219 4770 SH OTR 2 0 4770 0 CATERPILLAR INC COMMON STOCK 149123101 251 1125 SH OTR 2 0 1125 0 CF ACQUISITION CORP VI CL A COMMON STOCK 12521J103 12 1000 SH OTR 2 0 1000 0 CHEVRON CORPORATION COMMON STOCK 166764100 429 2633 SH OTR 2 0 2633 0 CIGNA CORP COMMON STOCK 125523100 11 44 SH OTR 2 0 44 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 78 1405 SH OTR 2 0 1405 0 CLOROX COMPANY COMMON STOCK 189054109 14 100 SH OTR 2 0 100 0 COCA COLA CO COMMON STOCK 191216100 123 1980 SH OTR 2 0 1980 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 432 5700 SH OTR 2 0 5700 0 COMCAST CORP-CL A COMMON STOCK 20030N101 14 300 SH OTR 2 0 300 0 CONOCOPHILLIPS COMMON STOCK 20825C104 135 1346 SH OTR 2 0 1346 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 177 767 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 38 185 SH OTR 2 0 185 0 CVS HEALTH CORP COMMON STOCK 126650100 39 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 44 151 SH OTR 2 0 151 0 DISNEY WALT CO NEW COMMON STOCK 254687106 257 1877 SH OTR 2 0 1877 0 DOCUSIGN INC COMMON STOCK 256163106 24 225 SH OTR 2 0 225 0 DOLLAR TREE INC COMMON STOCK 256746108 28 175 SH OTR 2 0 175 0 DOMINION ENERGY INC COMMON STOCK 25746U109 49 575 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 38 285 SH OTR 2 0 285 0 DUKE ENERGY CORP COMMON STOCK 26441C204 71 634 SH OTR 2 0 634 0 ECOLAB INC COMMON STOCK 278865100 177 1000 SH OTR 2 0 1000 0 EMERSON ELEC CO COMMON STOCK 291011104 311 3170 SH OTR 2 0 3170 0 EOG RES INC COMMON STOCK 26875P101 4 35 SH OTR 2 0 35 0 EXXON MOBIL CORP COMMON STOCK 30231G102 757 9160 SH OTR 2 0 9160 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 48 200 SH OTR 2 0 200 0 GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 SH OTR 2 0 295 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 8 25 SH OTR 2 0 25 0 HOME DEPOT INC COMMON STOCK 437076102 530 1769 SH OTR 2 0 1769 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 143 735 SH OTR 2 0 735 0 INTEL CORP COMMON STOCK 458140100 386 7785 SH OTR 2 0 7785 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 129 975 SH OTR 2 0 975 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 585 4500 SH OTR 2 0 4500 0 INTUIT INC COMMON STOCK 461202103 389 810 SH OTR 2 0 810 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 91 662 SH OTR 2 0 662 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1143 6451 SH OTR 2 0 6451 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 1002 7350 SH OTR 2 0 7350 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 12 880 SH OTR 2 0 880 0 LILLY ELI & CO COMMON STOCK 532457108 515 1800 SH OTR 2 0 1800 0 LOWES COS INC COMMON STOCK 548661107 199 985 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 11 225 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 122 495 SH OTR 2 0 495 0 MERCK & CO INC COMMON STOCK 58933Y105 267 3255 SH OTR 2 0 3255 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 37 165 SH OTR 2 0 165 0 METLIFE INC COMMON STOCK 59156R108 17 235 SH OTR 2 0 235 0 MICROSOFT CORP COMMON STOCK 594918104 2429 7878 SH OTR 2 0 7878 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 175 2000 SH OTR 2 0 2000 0 NETFLIX INC COMMON STOCK 64110L106 81 215 SH OTR 2 0 215 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 209 2470 SH OTR 2 0 2470 0 NIKE INC-CLASS B COMMON STOCK 654106103 397 2950 SH OTR 2 0 2950 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 193 675 SH OTR 2 0 675 0 NVIDIA CORP COMMON STOCK 67066G104 284 1040 SH OTR 2 0 1040 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 34 600 SH OTR 2 0 600 0 ORACLE CORPORATION COMMON STOCK 68389X105 515 6220 SH OTR 2 0 6220 0 ORGANON & CO COMMON STOCK 68622V106 6 180 SH OTR 2 0 180 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 162 2109 SH OTR 2 0 2109 0 PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 29 776 SH OTR 2 0 776 0 PAYCHEX INC COMMON STOCK 704326107 205 1500 SH OTR 2 0 1500 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 119 1025 SH OTR 2 0 1025 0 PEPSICO INC COMMON STOCK 713448108 809 4835 SH OTR 2 0 4835 0 PFIZER INC COMMON STOCK 717081103 597 11530 SH OTR 2 0 11530 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 9 100 SH OTR 2 0 100 0 PHILLIPS 66 COMMON STOCK 718546104 3 32 SH OTR 2 0 32 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 782 5120 SH OTR 2 0 5120 0 QUALCOMM INC COMMON STOCK 747525103 37 245 SH OTR 2 0 245 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 68 500 SH OTR 2 0 500 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 106 582 SH SOLE 582 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 44 600 SH OTR 2 0 600 0 STARBUCKS CORP COMMON STOCK 855244109 192 2110 SH OTR 2 0 2110 0 STRYKER CORPORATION COMMON STOCK 863667101 394 1475 SH OTR 2 0 1475 0 SYSCO CORP COMMON STOCK 871829107 22 270 SH OTR 2 0 270 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 263 1740 SH OTR 2 0 1740 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 30 165 SH OTR 2 0 165 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 230 390 SH OTR 2 0 390 0 TJX COS INC COMMON STOCK 872540109 133 2195 SH OTR 2 0 2195 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1787 9780 SH DFND 2 9780 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 6 100 SH OTR 2 0 100 0 UNION PAC CORP COMMON STOCK 907818108 135 495 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 176 345 SH OTR 2 0 345 0 US BANCORP NEW COMMON STOCK 902973304 158 2975 SH OTR 2 0 2975 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 228 4467 SH OTR 2 0 4467 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 78 300 SH OTR 2 0 300 0 VIATRIS INC COMMON STOCK 92556V106 12 1086 SH OTR 2 0 1086 0 VISA INC CL A COMMON STOCK 92826C839 284 1280 SH OTR 2 0 1280 0 WALMART INC COMMON STOCK 931142103 77 520 SH OTR 2 0 520 0 WELLS FARGO & CO COMMON STOCK 949746101 74 1525 SH OTR 2 0 1525 0 WILLIAMS COS INC COMMON STOCK 969457100 53 1600 SH OTR 2 0 1600 0 YUM! BRANDS INC COMMON STOCK 988498101 16 135 SH OTR 2 0 135 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 48 375 SH OTR 2 0 375 0 ZIMVIE INC COMMON STOCK 98888T107 1 37 SH OTR 2 0 37 0 3M CO COMMON STOCK 88579Y101 322 2160 SH OTR 2 0 2160 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 43 170 SH OTR 2 0 170 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 683 21076 SH OTR 2 0 21076 0 EATON CORP PLC COMMON STOCK G29183103 76 500 SH OTR 2 0 500 0 LINDE PLC COMMON STOCK G5494J103 88 275 SH OTR 2 0 275 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 13 130 SH OTR 2 0 130 0 MEDTRONIC PLC COMMON STOCK G5960L103 100 900 SH OTR 2 0 900 0 SCHLUMBERGER LTD COMMON STOCK 806857108 9 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 166 2084 SH OTR 2 0 2084 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 589 8570 SH OTR 2 0 8570 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 962 5198 SH OTR 2 0 5198 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 344 4527 SH OTR 2 0 4527 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 185 2424 SH OTR 2 0 2424 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 682 17799 SH OTR 2 0 17799 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 851 6212 SH OTR 2 0 6212 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 550 5336 SH OTR 2 0 5336 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 22 120 SH OTR 2 0 120 0 ISHARES CORE MSCI DEV MKTS OTHER 46435G326 845 13274 SH OTR 2 0 13274 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 277 1034 SH OTR 2 0 1034 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 711 6588 SH OTR 2 0 6588 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH OTR 2 0 46 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 18 396 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 314 3561 SH OTR 2 0 3561 0 SPDR S&P BIOTECH ETF OTHER 78464A870 9 100 SH OTR 2 0 100 0 SPDR S&P TELECOM ETF OTHER 78464A540 6 70 SH OTR 2 0 70 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 176 390 SH OTR 2 0 390 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1862 11718 SH OTR 2 0 11718 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 119 1602 SH OTR 2 0 1602 0 VANGUARD MID-CAP ETF OTHER 922908629 3804 15995 SH OTR 2 0 15995 0 VANGUARD REAL ESTATE ETF OTHER 922908553 216 1990 SH OTR 2 0 1990 0 VANGUARD S&P 500 ETF OTHER 922908363 1570 3781 SH OTR 2 0 3781 0 VANGUARD SMALL-CAP ETF OTHER 922908751 1499 7053 SH OTR 2 0 7053 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH OTR 2 0 500 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 179 1672 SH OTR 2 0 1672 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 13 521 SH OTR 2 0 521 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 13 513 SH OTR 2 0 513 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 60 2395 SH OTR 2 0 2395 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 13 500 SH OTR 2 0 500 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 12 507 SH OTR 2 0 507 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 57 2181 SH OTR 2 0 2181 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 1126 45923 SH DFND 2 45923 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 57 2450 SH OTR 2 0 2450 0 ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 12 543 SH OTR 2 0 543 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 156 3025 SH OTR 2 0 3025 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 58 2337 SH OTR 2 0 2337 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 878 11238 SH OTR 2 0 11238 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 47 425 SH OTR 2 0 425 0 ABBOTT LABS COMMON STOCK 002824100 24 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 32 200 SH OTR 0 200 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 56 300 SH OTR 0 300 0 AMGEN INC COMMON STOCK 031162100 36 150 SH OTR 0 150 0 ANALOG DEVICES INC COMMON STOCK 032654105 29 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 73 420 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 18 250 SH OTR 0 250 0 CHEVRON CORPORATION COMMON STOCK 166764100 31 190 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 30 101 SH OTR 0 101 0 DISNEY WALT CO NEW COMMON STOCK 254687106 27 200 SH OTR 0 200 0 DOMINION ENERGY INC COMMON STOCK 25746U109 17 200 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 18 220 SH OTR 0 220 0 GENERAL MLS INC COMMON STOCK 370334104 7 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 30 100 SH OTR 0 100 0 INTEL CORP COMMON STOCK 458140100 20 400 SH OTR 0 400 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 13 100 SH OTR 0 100 0 JOHNSON & JOHNSON COMMON STOCK 478160104 27 150 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 25 100 SH OTR 0 100 0 MICROSOFT CORP COMMON STOCK 594918104 123 400 SH OTR 0 400 0 ORACLE CORPORATION COMMON STOCK 68389X105 25 300 SH OTR 0 300 0 PEPSICO INC COMMON STOCK 713448108 25 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 23 150 SH OTR 0 150 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 38 250 SH OTR 0 250 0 TJX COS INC COMMON STOCK 872540109 24 400 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 29 600 SH OTR 0 600 0 VANGUARD MID-CAP ETF OTHER 922908629 105 443 SH OTR 0 443 0 VANGUARD SMALL-CAP ETF OTHER 922908751 34 158 SH OTR 0 158 0 ABBOTT LABS COMMON STOCK 002824100 113 953 SH SOLE 953 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 24 300 SH SOLE 300 0 0 ADOBE INC COMMON STOCK 00724F101 180 395 SH SOLE 395 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 312 112 SH SOLE 112 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 123 44 SH SOLE 44 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 24 450 SH SOLE 450 0 0 AMAZON.COM INC COMMON STOCK 023135106 398 122 SH SOLE 122 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 15 80 SH SOLE 80 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 45 271 SH SOLE 271 0 0 AMGEN INC COMMON STOCK 031162100 31 129 SH SOLE 129 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 27 166 SH SOLE 166 0 0 ANTHEM INC COMMON STOCK 036752103 25 50 SH SOLE 50 0 0 APPLE INC COMMON STOCK 037833100 1405 8045 SH SOLE 8045 0 0 AT&T INC COMMON STOCK 00206R102 83 3500 SH SOLE 3500 0 0 AUTODESK INC COMMON STOCK 052769106 21 100 SH SOLE 100 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 39 170 SH SOLE 170 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 115 2788 SH SOLE 2788 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 7 150 SH SOLE 150 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 154 437 SH SOLE 437 0 0 BEST BUY CO INC COMMON STOCK 086516101 5 50 SH SOLE 50 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 143 187 SH SOLE 187 0 0 BLOCK INC CL A COMMON STOCK 852234103 18 131 SH SOLE 131 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 168 2298 SH SOLE 2298 0 0 CATERPILLAR INC COMMON STOCK 149123101 92 415 SH SOLE 415 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 93 574 SH SOLE 574 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 149 2677 SH SOLE 2677 0 0 CITIGROUP INC COMMON STOCK 172967424 3 60 SH SOLE 60 0 0 CLOROX COMPANY COMMON STOCK 189054109 10 75 SH SOLE 75 0 0 COCA COLA CO COMMON STOCK 191216100 131 2107 SH SOLE 2107 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 28 365 SH SOLE 365 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 69 688 SH SOLE 688 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 70 303 SH SOLE 303 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 138 240 SH SOLE 240 0 0 COTERRA ENERGY INC COMMON STOCK 127097103 8 300 SH SOLE 300 0 0 CUMMINS INC COMMON STOCK 231021106 79 385 SH SOLE 385 0 0 CVS HEALTH CORP COMMON STOCK 126650100 5 50 SH SOLE 50 0 0 DANAHER CORP COMMON STOCK 235851102 89 305 SH SOLE 305 0 0 DEERE & CO COMMON STOCK 244199105 33 80 SH SOLE 80 0 0 DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 33 SH SOLE 33 0 0 DICK'S SPORTING GOODS INC COMMON STOCK 253393102 5 50 SH SOLE 50 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 199 1451 SH SOLE 1451 0 0 DOCUSIGN INC COMMON STOCK 256163106 3 25 SH SOLE 25 0 0 DOLLAR TREE INC COMMON STOCK 256746108 127 795 SH SOLE 795 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 5 30 SH SOLE 30 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 4 150 SH SOLE 150 0 0 EXPEDITORS INTL OF WASHINGTON COMMON STOCK 302130109 9 85 SH SOLE 85 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 197 2385 SH SOLE 2385 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 23 100 SH SOLE 100 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 124 514 SH SOLE 514 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604301 66 723 SH SOLE 723 0 0 GENERAL MLS INC COMMON STOCK 370334104 24 350 SH SOLE 350 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 SH SOLE 295 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 30 90 SH SOLE 90 0 0 HOME DEPOT INC COMMON STOCK 437076102 247 825 SH SOLE 825 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 161 825 SH SOLE 825 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 33 157 SH SOLE 157 0 0 ILLUMINA INC COMMON STOCK 452327109 3 10 SH SOLE 10 0 0 INGERSOLL-RAND INC COMMON STOCK 45687V106 5 100 SH SOLE 100 0 0 INTEL CORP COMMON STOCK 458140100 74 1488 SH SOLE 1488 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 161 1218 SH SOLE 1218 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH SOLE 33 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 53 407 SH SOLE 407 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 9 30 SH SOLE 30 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 6 40 SH SOLE 40 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 229 1291 SH SOLE 1291 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 211 1545 SH SOLE 1545 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 6 50 SH SOLE 50 0 0 KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH SOLE 50 0 0 KRAFT HEINZ CO COMMON STOCK 500754106 2 50 SH SOLE 50 0 0 LOWES COS INC COMMON STOCK 548661107 124 614 SH SOLE 614 0 0 L3 HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 5 20 SH SOLE 20 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 13 75 SH SOLE 75 0 0 MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 6 35 SH SOLE 35 0 0 MASCO CORP COMMON STOCK 574599106 50 985 SH SOLE 985 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 149 417 SH SOLE 417 0 0 MCDONALDS CORP COMMON STOCK 580135101 117 473 SH SOLE 473 0 0 MERCK & CO INC COMMON STOCK 58933Y105 64 775 SH SOLE 775 0 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 83 373 SH SOLE 373 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 51 675 SH SOLE 675 0 0 MICROSOFT CORP COMMON STOCK 594918104 536 1739 SH SOLE 1739 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 19 300 SH SOLE 300 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 6 70 SH SOLE 70 0 0 MORGAN STANLEY COMMON STOCK 617446448 9 100 SH SOLE 100 0 0 MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 5 22 SH SOLE 22 0 0 NASDAQ INC COMMON STOCK 631103108 18 100 SH SOLE 100 0 0 NETFLIX INC COMMON STOCK 64110L106 146 390 SH SOLE 390 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 30 360 SH SOLE 360 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 76 565 SH SOLE 565 0 0 NORTHERN TRUST CORP COMMON STOCK 665859104 4 38 SH SOLE 38 0 0 NVIDIA CORP COMMON STOCK 67066G104 43 157 SH SOLE 157 0 0 OMNICOM GROUP INC COMMON STOCK 681919106 6 75 SH SOLE 75 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 195 2359 SH SOLE 2359 0 0 ORGANON & CO COMMON STOCK 68622V106 0 10 SH SOLE 10 0 0 PAYCHEX INC COMMON STOCK 704326107 181 1325 SH SOLE 1325 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 133 1154 SH SOLE 1154 0 0 PEPSICO INC COMMON STOCK 713448108 32 190 SH SOLE 190 0 0 PFIZER INC COMMON STOCK 717081103 175 3378 SH SOLE 3378 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 134 878 SH SOLE 878 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 15 125 SH SOLE 125 0 0 QUALCOMM INC COMMON STOCK 747525103 143 938 SH SOLE 938 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 24 245 SH SOLE 245 0 0 SALESFORCE.COM COMMON STOCK 79466L302 85 400 SH SOLE 400 0 0 SERVICENOW INC COMMON STOCK 81762P102 6 10 SH SOLE 10 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 5 100 SH SOLE 100 0 0 STARBUCKS CORP COMMON STOCK 855244109 85 938 SH SOLE 938 0 0 STRYKER CORPORATION COMMON STOCK 863667101 187 701 SH SOLE 701 0 0 SYSCO CORP COMMON STOCK 871829107 47 573 SH SOLE 573 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 14 92 SH SOLE 92 0 0 TESLA INC COMMON STOCK 88160R101 22 20 SH SOLE 20 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 134 732 SH SOLE 732 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 150 254 SH SOLE 254 0 0 TJX COS INC COMMON STOCK 872540109 93 1543 SH SOLE 1543 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 12 507 SH OTR 2 0 507 0 TYSON FOODS INC CL A COMMON STOCK 902494103 3 35 SH SOLE 35 0 0 UBER TECHNOLOGIES INC COMMON STOCK 90353T100 3 75 SH SOLE 75 0 0 UNION PAC CORP COMMON STOCK 907818108 187 683 SH SOLE 683 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 13 61 SH SOLE 61 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 163 320 SH SOLE 320 0 0 US BANCORP NEW COMMON STOCK 902973304 80 1508 SH SOLE 1508 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 149 2919 SH SOLE 2919 0 0 VISA INC CL A COMMON STOCK 92826C839 275 1240 SH SOLE 1240 0 0 VMWARE INC CL A COMMON STOCK 928563402 2 14 SH SOLE 14 0 0 WALMART INC COMMON STOCK 931142103 63 426 SH SOLE 426 0 0 WELLS FARGO & CO COMMON STOCK 949746101 7 150 SH SOLE 150 0 0 WILLIAMS COS INC COMMON STOCK 969457100 89 2666 SH SOLE 2666 0 0 WORKDAY INC CL A COMMON STOCK 98138H101 7 30 SH SOLE 30 0 0 YUM! BRANDS INC COMMON STOCK 988498101 87 735 SH SOLE 735 0 0 ALIBABA GROUP HOLDING LTD SPON COMMON STOCK 01609W102 8 75 SH SOLE 75 0 0 JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 6 99 SH SOLE 99 0 0 VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH SOLE 18 0 0 CROWN CASTLE INTL CORP REIT COMMON STOCK 22822V101 14 75 SH SOLE 75 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 686 21171 SH SOLE 21171 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 19 55 SH SOLE 55 0 0 AMDOCS LTD COMMON STOCK G02602103 7 85 SH SOLE 85 0 0 CHUBB LTD COMMON STOCK H1467J104 5 25 SH SOLE 25 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 47 460 SH SOLE 460 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 11 100 SH SOLE 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 30 725 SH SOLE 725 0 0 COHEN & STEERS INFRASTRUCTURE OTHER 19248A109 6 200 SH SOLE 200 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 48 700 SH SOLE 700 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 93 500 SH SOLE 500 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 36 470 SH SOLE 470 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 26 344 SH SOLE 344 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 110 800 SH SOLE 800 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 81 785 SH SOLE 785 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1627 4488 SH SOLE 4488 0 0 INVESCO S&P 500 EQUAL WEIGHT E OTHER 46137V357 78 495 SH SOLE 495 0 0 INVESCO S&P 500 PURE VALUE ETF OTHER 46137V258 48 557 SH SOLE 557 0 0 ISHARES CORE MSCI DEV MKTS OTHER 46435G326 2617 41132 SH SOLE 41132 0 0 ISHARES CORE MSCI EAFE ETF OTHER 46432F842 131 1890 SH SOLE 1890 0 0 ISHARES CORE MSCI EMERGING MKT OTHER 46434G103 18 330 SH SOLE 330 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 3044 11343 SH SOLE 11343 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 2881 26702 SH SOLE 26702 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 488 1075 SH SOLE 1075 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 146 1876 SH SOLE 1876 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 93 455 SH SOLE 455 0 0 ISHARES U.S. INFRASTRUCTURE ET OTHER 46435U713 8 200 SH SOLE 200 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 161 1821 SH SOLE 1821 0 0 NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 134 3353 SH SOLE 3353 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 4 40 SH SOLE 40 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 45 100 SH SOLE 100 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 159 1000 SH SOLE 1000 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 75 1007 SH SOLE 1007 0 0 VANGUARD MID-CAP ETF OTHER 922908629 2228 9367 SH SOLE 9367 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 32 291 SH SOLE 291 0 0 VANGUARD S&P 500 ETF OTHER 922908363 9494 22868 SH SOLE 22868 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 835 3929 SH SOLE 3929 0 0 INVESCO SENIOR LOAN ETF OTHER 46138G508 18 833 SH SOLE 833 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 20 242 SH SOLE 242 0 0 ISHARES BROAD USD HIGH YIELD OTHER 46435U853 31 804 SH SOLE 804 0 0 ISHARES BROAD USD INVESTMENT G OTHER 464288620 70 1264 SH SOLE 1264 0 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 546 5099 SH SOLE 5099 0 0 ISHARES ESG AWARE USD CORP BON OTHER 46435G193 1282 51024 SH SOLE 51024 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 1616 65616 SH SOLE 65616 0 0 ISHARES FLOATING RATE BOND ETF OTHER 46429B655 13 262 SH SOLE 262 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 99 3952 SH SOLE 3952 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 130 5142 SH SOLE 5142 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 207 8243 SH SOLE 8243 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 216 8536 SH SOLE 8536 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 214 8683 SH SOLE 8683 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 185 7010 SH SOLE 7010 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 131 5365 SH SOLE 5365 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 131 5660 SH SOLE 5660 0 0 ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 131 5740 SH SOLE 5740 0 0 ISHARES MBS ETF OTHER 464288588 57 559 SH SOLE 559 0 0 ISHARES SHORT TREASURY BOND ET OTHER 464288679 22 200 SH SOLE 200 0 0 ISHARES U.S. TREASURY BOND ETF OTHER 46429B267 102 4094 SH SOLE 4094 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 35 678 SH SOLE 678 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 184 7365 SH SOLE 7365 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1232 15773 SH SOLE 15773 0 0 VANGUARD SHORT-TERM BOND ETF OTHER 921937827 25 323 SH SOLE 323 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1697 21331 SH SOLE 21331 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 33 607 SH SOLE 607 0 0 ABBOTT LABS COMMON STOCK 002824100 2367 20000 SH DFND 3 20000 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1402 17500 SH DFND 3 17500 0 0 ADOBE INC COMMON STOCK 00724F101 4556 10000 SH DFND 3 10000 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 675 2700 SH DFND 3 2700 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 5424 1950 SH DFND 3 1950 0 0 AMAZON.COM INC COMMON STOCK 023135106 6846 2100 SH DFND 3 2100 0 0 AMGEN INC COMMON STOCK 031162100 2878 11900 SH DFND 3 11900 0 0 APPLE INC COMMON STOCK 037833100 10040 57500 SH DFND 3 57500 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2865 69500 SH DFND 3 69500 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3370 9550 SH DFND 3 9550 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 2560 3350 SH DFND 3 3350 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 893 6800 SH DFND 3 6800 0 0 CATERPILLAR INC COMMON STOCK 149123101 891 4000 SH DFND 3 4000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1368 8400 SH DFND 3 8400 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 1715 30750 SH DFND 3 30750 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2203 3825 SH DFND 3 3825 0 0 DANAHER CORP COMMON STOCK 235851102 1467 5000 SH DFND 3 5000 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 1090 7950 SH DFND 3 7950 0 0 DOLLAR TREE INC COMMON STOCK 256746108 977 6100 SH DFND 3 6100 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 680 8000 SH DFND 3 8000 0 0 DOMINOS PIZZA INC COMMON STOCK 25754A201 2076 5100 SH DFND 3 5100 0 0 ECOLAB INC COMMON STOCK 278865100 689 3900 SH DFND 3 3900 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 834 10100 SH DFND 3 10100 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 810 3500 SH DFND 3 3500 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 858 2600 SH DFND 3 2600 0 0 HOME DEPOT INC COMMON STOCK 437076102 3263 10900 SH DFND 3 10900 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1946 10000 SH DFND 3 10000 0 0 INTEL CORP COMMON STOCK 458140100 1194 24100 SH DFND 3 24100 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3481 26350 SH DFND 3 26350 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3279 18500 SH DFND 3 18500 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 2958 21700 SH DFND 3 21700 0 0 MASCO CORP COMMON STOCK 574599106 2213 43400 SH DFND 3 43400 0 0 MCDONALDS CORP COMMON STOCK 580135101 643 2600 SH DFND 3 2600 0 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 1668 7500 SH DFND 3 7500 0 0 MICROSOFT CORP COMMON STOCK 594918104 9743 31600 SH DFND 3 31600 0 0 MORGAN STANLEY COMMON STOCK 617446448 988 11300 SH DFND 3 11300 0 0 NETFLIX INC COMMON STOCK 64110L106 1826 4875 SH DFND 3 4875 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 466 5500 SH DFND 3 5500 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 1615 12000 SH DFND 3 12000 0 0 NVIDIA CORP COMMON STOCK 67066G104 1774 6500 SH DFND 3 6500 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 1572 19000 SH DFND 3 19000 0 0 PEPSICO INC COMMON STOCK 713448108 2377 14200 SH DFND 3 14200 0 0 PFIZER INC COMMON STOCK 717081103 2821 54500 SH DFND 3 54500 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2353 15400 SH DFND 3 15400 0 0 QUALCOMM INC COMMON STOCK 747525103 2101 13750 SH DFND 3 13750 0 0 SALESFORCE.COM COMMON STOCK 79466L302 4119 19400 SH DFND 3 19400 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 1560 6250 SH DFND 3 6250 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 663 9150 SH DFND 3 9150 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2406 9000 SH DFND 3 9000 0 0 SYSCO CORP COMMON STOCK 871829107 1429 17500 SH DFND 3 17500 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3925 6645 SH DFND 3 6645 0 0 TJX COS INC COMMON STOCK 872540109 1396 23050 SH DFND 3 23050 0 0 TWITTER INC COMMON STOCK 90184L102 774 20000 SH DFND 3 20000 0 0 UNION PAC CORP COMMON STOCK 907818108 1229 4500 SH DFND 3 4500 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 2445 11400 SH DFND 3 11400 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4424 8675 SH DFND 3 8675 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 764 15000 SH DFND 3 15000 0 0 VF CORP COMMON STOCK 918204108 711 12500 SH DFND 3 12500 0 0 VISA INC CL A COMMON STOCK 92826C839 7346 33125 SH DFND 3 33125 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 551 3000 SH DFND 3 3000 0 0 WALMART INC COMMON STOCK 931142103 2308 15500 SH DFND 3 15500 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 2885 18200 SH DFND 3 18200 0 0 WILLIAMS COS INC COMMON STOCK 969457100 1149 34400 SH DFND 3 34400 0 0 ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 403 2000 SH DFND 3 2000 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 590 2350 SH DFND 3 2350 0 0 PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 742 1900 SH DFND 3 1900 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 874 8500 SH DFND 3 8500 0 0