The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100 19 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 27 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 40 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 34 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 24 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 58 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102 5 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 18 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 27 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 16 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 14 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 26 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 19 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 14 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 3 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102 19 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 8 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 28 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 10 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 25 150 SH   OTR   0 150 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 0 20 SH   OTR   0 20 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 7 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 23 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 93 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 18 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 24 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 19 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 26 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 25 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 12 70 SH   OTR   0 70 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 1 72 SH   OTR   0 72 0
WELLS FARGO & CO COMMON STOCK 949746101 24 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629 83 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751 27 158 SH   OTR   0 158 0
ABBOTT LABS COMMON STOCK 002824100 78 803 SH   SOLE   803 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 15 200 SH   SOLE   200 0 0
ADOBE INC COMMON STOCK 00724F101 90 326 SH   SOLE   326 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 189 1,980 SH   SOLE   1,980 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 85 880 SH   SOLE   880 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 18 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 251 2,221 SH   SOLE   2,221 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 11 80 SH   SOLE   80 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 31 240 SH   SOLE   240 0 0
AMGEN INC COMMON STOCK 031162100 26 114 SH   SOLE   114 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100 1,061 7,677 SH   SOLE   7,677 0 0
AT&T INC COMMON STOCK 00206R102 54 3,500 SH   SOLE   3,500 0 0
AUTODESK INC COMMON STOCK 052769106 19 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 48 210 SH   SOLE   210 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 65 2,160 SH   SOLE   2,160 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 6 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 104 391 SH   SOLE   391 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 91 166 SH   SOLE   166 0 0
BLOCK INC CL A COMMON STOCK 852234103 1 26 SH   SOLE   26 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 5 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 144 2,028 SH   SOLE   2,028 0 0
CATERPILLAR INC COMMON STOCK 149123101 57 345 SH   SOLE   345 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 82 574 SH   SOLE   574 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 87 2,173 SH   SOLE   2,173 0 0
CLOROX COMPANY COMMON STOCK 189054109 10 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 109 1,951 SH   SOLE   1,951 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 20 290 SH   SOLE   290 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 60 589 SH   SOLE   589 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 61 264 SH   SOLE   264 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 114 241 SH   SOLE   241 0 0
COTERRA ENERGY INC COMMON STOCK 127097103 8 300 SH   SOLE   300 0 0
CUMMINS INC COMMON STOCK 231021106 65 321 SH   SOLE   321 0 0
CVS HEALTH CORP COMMON STOCK 126650100 5 50 SH   SOLE   50 0 0
DANAHER CORP COMMON STOCK 235851102 68 265 SH   SOLE   265 0 0
DEERE & CO COMMON STOCK 244199105 27 80 SH   SOLE   80 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 1 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 120 1,276 SH   SOLE   1,276 0 0
DOLLAR TREE INC COMMON STOCK 256746108 95 695 SH   SOLE   695 0 0
DOW INC COMMON STOCK 260557103 2 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2 45 SH   SOLE   45 0 0
ECOLAB INC COMMON STOCK 278865100 4 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103 20 45 SH   SOLE   45 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 186 2,133 SH   SOLE   2,133 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 15 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 94 443 SH   SOLE   443 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 45 723 SH   SOLE   723 0 0
GENERAL MLS INC COMMON STOCK 370334104 23 300 SH   SOLE   300 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 SH   SOLE   295 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 26 90 SH   SOLE   90 0 0
HOME DEPOT INC COMMON STOCK 437076102 199 720 SH   SOLE   720 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 121 724 SH   SOLE   724 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 25 140 SH   SOLE   140 0 0
INTEL CORP COMMON STOCK 458140100 28 1,068 SH   SOLE   1,068 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 92 1,015 SH   SOLE   1,015 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 3 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 48 407 SH   SOLE   407 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 5 25 SH   SOLE   25 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 4 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 185 1,132 SH   SOLE   1,132 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 145 1,385 SH   SOLE   1,385 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 100 530 SH   SOLE   530 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106 38 815 SH   SOLE   815 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 96 337 SH   SOLE   337 0 0
MCDONALDS CORP COMMON STOCK 580135101 90 390 SH   SOLE   390 0 0
MERCK & CO INC COMMON STOCK 58933Y105 67 775 SH   SOLE   775 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 40 293 SH   SOLE   293 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 28 460 SH   SOLE   460 0 0
MICROSOFT CORP COMMON STOCK 594918104 363 1,560 SH   SOLE   1,560 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 16 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448 8 100 SH   SOLE   100 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 5 22 SH   SOLE   22 0 0
NASDAQ INC COMMON STOCK 631103108 17 300 SH   SOLE   300 0 0
NETFLIX INC COMMON STOCK 64110L106 77 325 SH   SOLE   325 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 28 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 43 523 SH   SOLE   523 0 0
NORTHERN TRUST CORP COMMON STOCK 665859104 3 38 SH   SOLE   38 0 0
NVIDIA CORP COMMON STOCK 67066G104 31 259 SH   SOLE   259 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 125 2,045 SH   SOLE   2,045 0 0
PAYCHEX INC COMMON STOCK 704326107 126 1,120 SH   SOLE   1,120 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 95 1,105 SH   SOLE   1,105 0 0
PEPSICO INC COMMON STOCK 713448108 31 190 SH   SOLE   190 0 0
PFIZER INC COMMON STOCK 717081103 133 3,033 SH   SOLE   3,033 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 100 796 SH   SOLE   796 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 11 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 88 783 SH   SOLE   783 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 20 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302 47 325 SH   SOLE   325 0 0
SERVICENOW INC COMMON STOCK 81762P102 4 10 SH   SOLE   10 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 3 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109 69 820 SH   SOLE   820 0 0
STRYKER CORPORATION COMMON STOCK 863667101 129 638 SH   SOLE   638 0 0
SYSCO CORP COMMON STOCK 871829107 36 512 SH   SOLE   512 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 10 92 SH   SOLE   92 0 0
TESLA INC COMMON STOCK 88160R101 16 60 SH   SOLE   60 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 59 383 SH   SOLE   383 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 121 239 SH   SOLE   239 0 0
TJX COS INC COMMON STOCK 872540109 78 1,251 SH   SOLE   1,251 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 73 479 SH   SOLE   479 0 0
UNION PAC CORP COMMON STOCK 907818108 120 615 SH   SOLE   615 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 10 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 152 300 SH   SOLE   300 0 0
US BANCORP NEW COMMON STOCK 902973304 55 1,353 SH   SOLE   1,353 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 99 2,599 SH   SOLE   2,599 0 0
VISA INC CL A COMMON STOCK 92826C839 190 1,069 SH   SOLE   1,069 0 0
VMWARE INC CL A COMMON STOCK 928563402 1 14 SH   SOLE   14 0 0
WALMART INC COMMON STOCK 931142103 47 359 SH   SOLE   359 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 6 516 SH   SOLE   516 0 0
WELLS FARGO & CO COMMON STOCK 949746101 6 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 72 2,514 SH   SOLE   2,514 0 0
YUM! BRANDS INC COMMON STOCK 988498101 63 590 SH   SOLE   590 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 5 99 SH   SOLE   99 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
CROWN CASTLE INC REIT COMMON STOCK 22822V101 11 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 628 21,806 SH   SOLE   21,806 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 14 55 SH   SOLE   55 0 0
CHUBB LTD COMMON STOCK H1467J104 2 10 SH   SOLE   10 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 30 400 SH   SOLE   400 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 6 75 SH   SOLE   75 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 26 725 SH   SOLE   725 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 34 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 71 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 31 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 25 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 97 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 65 785 SH   SOLE   785 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1,384 5,178 SH   SOLE   5,178 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 1,872 38,756 SH   SOLE   38,756 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 2,848 12,990 SH   SOLE   12,990 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 2,488 28,533 SH   SOLE   28,533 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 9 25 SH   SOLE   25 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 117 1,876 SH   SOLE   1,876 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 65 394 SH   SOLE   394 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 109 1,609 SH   SOLE   1,609 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 47 1,475 SH   SOLE   1,475 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 3 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 96 269 SH   SOLE   269 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 119 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 56 857 SH   SOLE   857 0 0
VANGUARD MID-CAP ETF OTHER 922908629 1,457 7,752 SH   SOLE   7,752 0 0
VANGUARD S&P 500 ETF OTHER 922908363 8,350 25,435 SH   SOLE   25,435 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 559 3,273 SH   SOLE   3,273 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 20 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 26 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 656 26,228 SH   SOLE   26,228 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 789 31,614 SH   SOLE   31,614 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 814 33,411 SH   SOLE   33,411 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 825 34,181 SH   SOLE   34,181 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 826 35,770 SH   SOLE   35,770 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 810 35,225 SH   SOLE   35,225 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 796 33,480 SH   SOLE   33,480 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 290 13,310 SH   SOLE   13,310 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 214 10,557 SH   SOLE   10,557 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 210 10,784 SH   SOLE   10,784 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 28 560 SH   SOLE   560 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432 9 88 SH   SOLE   88 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 415 5,584 SH   SOLE   5,584 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 294 4,116 SH   SOLE   4,116 0 0
ABBOTT LABS COMMON STOCK 002824100 1,935 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,301 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 2,752 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 628 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 3,730 39,000 SH   DFND 3 39,000 0 0
AMAZON.COM INC COMMON STOCK 023135106 4,746 42,000 SH   DFND 3 42,000 0 0
AMGEN INC COMMON STOCK 031162100 2,682 11,900 SH   DFND 3 11,900 0 0
APPLE INC COMMON STOCK 037833100 7,947 57,500 SH   DFND 3 57,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,099 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,550 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,843 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 627 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101 656 4,000 SH   DFND 3 4,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,207 8,400 SH   DFND 3 8,400 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,230 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,499 3,175 SH   DFND 3 3,175 0 0
DANAHER CORP COMMON STOCK 235851102 1,291 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 750 7,950 SH   DFND 3 7,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108 1,143 8,400 SH   DFND 3 8,400 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 553 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 1,582 5,100 SH   DFND 3 5,100 0 0
ECOLAB INC COMMON STOCK 278865100 563 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 882 10,100 SH   DFND 3 10,100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 762 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,366 12,200 SH   DFND 3 12,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,670 10,000 SH   DFND 3 10,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,381 26,350 SH   DFND 3 26,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,022 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,268 21,700 SH   DFND 3 21,700 0 0
MASCO CORP COMMON STOCK 574599106 1,541 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 600 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 882 6,500 SH   DFND 3 6,500 0 0
MICROSOFT CORP COMMON STOCK 594918104 6,987 30,000 SH   DFND 3 30,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 893 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106 706 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 431 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 424 5,100 SH   DFND 3 5,100 0 0
NVIDIA CORP COMMON STOCK 67066G104 789 6,500 SH   DFND 3 6,500 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,160 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108 2,155 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103 2,385 54,500 SH   DFND 3 54,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,944 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103 1,553 13,750 SH   DFND 3 13,750 0 0
SALESFORCE INC COMMON STOCK 79466L302 2,790 19,400 SH   DFND 3 19,400 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,280 6,250 SH   DFND 3 6,250 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 622 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,823 9,000 SH   DFND 3 9,000 0 0
SYSCO CORP COMMON STOCK 871829107 1,237 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,954 5,825 SH   DFND 3 5,825 0 0
TJX COS INC COMMON STOCK 872540109 1,432 23,050 SH   DFND 3 23,050 0 0
TWITTER INC COMMON STOCK 90184L102 877 20,000 SH   DFND 3 20,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,033 5,300 SH   DFND 3 5,300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,842 11,400 SH   DFND 3 11,400 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,535 7,000 SH   DFND 3 7,000 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 570 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 5,885 33,125 SH   DFND 3 33,125 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 473 3,000 SH   DFND 3 3,000 0 0
WALMART INC COMMON STOCK 931142103 2,010 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 2,491 15,550 SH   DFND 3 15,550 0 0
WILLIAMS COS INC COMMON STOCK 969457100 985 34,400 SH   DFND 3 34,400 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 210 1,500 SH   DFND 3 1,500 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 505 2,350 SH   DFND 3 2,350 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 556 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 640 8,500 SH   DFND 3 8,500 0 0
ABBOTT LABS COMMON STOCK 002824100 1,849 19,110 SH   DFND 2 19,110 0 0
ABBVIE INC COMMON STOCK 00287Y109 754 5,615 SH   DFND 2 5,615 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,515 20,386 SH   DFND 2 20,386 0 0
ADOBE INC COMMON STOCK 00724F101 1,704 6,191 SH   DFND 2 6,191 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 65 278 SH   DFND 2 278 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,448 56,959 SH   DFND 2 56,959 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,474 15,330 SH   DFND 2 15,330 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 250 6,181 SH   DFND 2 6,181 0 0
AMAZON.COM INC COMMON STOCK 023135106 4,324 38,262 SH   DFND 2 38,262 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 29 340 SH   DFND 2 340 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 256 1,895 SH   DFND 2 1,895 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 14 300 SH   DFND 2 300 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 670 5,149 SH   DFND 2 5,149 0 0
AMGEN INC COMMON STOCK 031162100 1,092 4,845 SH   DFND 2 4,845 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 8 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100 8,038 58,159 SH   DFND 2 58,159 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 188 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 16 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104 113 1,191 SH   DFND 2 1,191 0 0
AT&T INC COMMON STOCK 00206R102 209 13,633 SH   DFND 2 13,633 0 0
AUTODESK INC COMMON STOCK 052769106 15 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 876 3,873 SH   DFND 2 3,873 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,607 53,219 SH   DFND 2 53,219 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 49 1,280 SH   DFND 2 1,280 0 0
BAXTER INTL INC COMMON STOCK 071813109 23 430 SH   DFND 2 430 0 0
BECTON DICKINSON COMMON STOCK 075887109 42 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,590 9,699 SH   DFND 2 9,699 0 0
BEST BUY CO INC COMMON STOCK 086516101 48 751 SH   DFND 2 751 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 1,842 3,347 SH   DFND 2 3,347 0 0
BLACKSTONE INC COMMON STOCK 09260D107 47 558 SH   DFND 2 558 0 0
BLOCK INC CL A COMMON STOCK 852234103 2 30 SH   DFND 2 30 0 0
BOEING CO COMMON STOCK 097023105 19 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 53 32 SH   DFND 2 32 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,453 34,500 SH   DFND 2 34,500 0 0
BROADCOM INC COMMON STOCK 11135F101 61 137 SH   DFND 2 137 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 33 355 SH   DFND 2 355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 7 100 SH   DFND 2 100 0 0
CARLOTZ INC CL A COMMON STOCK 142552108 0 750 SH   DFND 2 750 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 39 1,107 SH   DFND 2 1,107 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,468 8,945 SH   DFND 2 8,945 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 45 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108 1 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,095 7,620 SH   DFND 2 7,620 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,272 56,795 SH   DFND 2 56,795 0 0
CITIGROUP INC COMMON STOCK 172967424 6 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109 69 539 SH   DFND 2 539 0 0
CME GROUP INC COMMON STOCK 12572Q105 67 378 SH   DFND 2 378 0 0
CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100 1,331 23,754 SH   DFND 2 23,754 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 212 3,020 SH   DFND 2 3,020 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 87 2,950 SH   DFND 2 2,950 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,144 11,176 SH   DFND 2 11,176 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 63 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 989 4,308 SH   DFND 2 4,308 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 3 33 SH   DFND 2 33 0 0
CORNING INC COMMON STOCK 219350105 63 2,184 SH   DFND 2 2,184 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,313 4,897 SH   DFND 2 4,897 0 0
CSX CORP COMMON STOCK 126408103 12 450 SH   DFND 2 450 0 0
CUMMINS INC COMMON STOCK 231021106 1,383 6,798 SH   DFND 2 6,798 0 0
CVS HEALTH CORP COMMON STOCK 126650100 30 313 SH   DFND 2 313 0 0
DANAHER CORP COMMON STOCK 235851102 1,490 5,770 SH   DFND 2 5,770 0 0
DEERE & CO COMMON STOCK 244199105 265 795 SH   DFND 2 795 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103 6 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,252 23,876 SH   DFND 2 23,876 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 29 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 2,341 17,200 SH   DFND 2 17,200 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 256 3,697 SH   DFND 2 3,697 0 0
DOW INC COMMON STOCK 260557103 41 924 SH   DFND 2 924 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 94 1,006 SH   DFND 2 1,006 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 46 913 SH   DFND 2 913 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 349 4,911 SH   DFND 2 4,911 0 0
EBAY INC COMMON STOCK 278642103 15 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100 359 2,487 SH   DFND 2 2,487 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 20 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   DFND 2 25 0 0
EMERSON ELEC CO COMMON STOCK 291011104 114 1,560 SH   DFND 2 1,560 0 0
EOG RES INC COMMON STOCK 26875P101 21 185 SH   DFND 2 185 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 45 1,082 SH   DFND 2 1,082 0 0
EXELON CORP COMMON STOCK 30161N101 4 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,636 30,192 SH   DFND 2 30,192 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 24 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 114 770 SH   DFND 2 770 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 30 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 225 2,400 SH   DFND 2 2,400 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 112 10,000 SH   DFND 2 10,000 0 0
FORTIVE CORP COMMON STOCK 34959J108 77 1,328 SH   DFND 2 1,328 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,744 8,220 SH   DFND 2 8,220 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 147 2,373 SH   DFND 2 2,373 0 0
GENERAL MLS INC COMMON STOCK 370334104 228 2,970 SH   DFND 2 2,970 0 0
GENUINE PARTS CO COMMON STOCK 372460105 31 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 121 1,964 SH   DFND 2 1,964 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 135 462 SH   DFND 2 462 0 0
GRAINGER W W INC COMMON STOCK 384802104 37 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330202 0 110 SH   DFND 2 110 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 7 200 SH   DFND 2 200 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 52 1,495 SH   DFND 2 1,495 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,615 13,101 SH   DFND 2 13,101 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,204 13,198 SH   DFND 2 13,198 0 0
IDACORP INC COMMON STOCK 451107106 23 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 79 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 1 13 SH   DFND 2 13 0 0
INTEL CORP COMMON STOCK 458140100 1,053 40,856 SH   DFND 2 40,856 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,927 21,324 SH   DFND 2 21,324 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 118 1,295 SH   DFND 2 1,295 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 218 1,836 SH   DFND 2 1,836 0 0
JABIL INC COMMON STOCK 466313103 6 100 SH   DFND 2 100 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 22 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 77 710 SH   DFND 2 710 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,545 21,699 SH   DFND 2 21,699 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,845 27,226 SH   DFND 2 27,226 0 0
KADANT INC COMMON STOCK 48282T104 135 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108 7 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108 13 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 25 221 SH   DFND 2 221 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 72 1,670 SH   DFND 2 1,670 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 20 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 186 575 SH   DFND 2 575 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 259 671 SH   DFND 2 671 0 0
LOWES COS INC COMMON STOCK 548661107 1,675 8,916 SH   DFND 2 8,916 0 0
MANITOWOC CO INC COMMON STOCK 563571405 2 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 10 72 SH   DFND 2 72 0 0
MASCO CORP COMMON STOCK 574599106 850 18,206 SH   DFND 2 18,206 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 2,090 7,352 SH   DFND 2 7,352 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 81 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,851 8,024 SH   DFND 2 8,024 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 16 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 541 6,278 SH   DFND 2 6,278 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 279 2,057 SH   DFND 2 2,057 0 0
METLIFE INC COMMON STOCK 59156R108 32 526 SH   DFND 2 526 0 0
MICROSOFT CORP COMMON STOCK 594918104 6,665 28,618 SH   DFND 2 28,618 0 0
MODERNA INC COMMON STOCK 60770K107 30 250 SH   DFND 2 250 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 9 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 41 475 SH   DFND 2 475 0 0
MORGAN STANLEY COMMON STOCK 617446448 677 8,570 SH   DFND 2 8,570 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 14 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106 1,215 5,162 SH   DFND 2 5,162 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 647 8,252 SH   DFND 2 8,252 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 544 6,539 SH   DFND 2 6,539 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 59 280 SH   DFND 2 280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 39 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401 2 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105 4 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,064 8,765 SH   DFND 2 8,765 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,529 41,418 SH   DFND 2 41,418 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 19 294 SH   DFND 2 294 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 10 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 22 90 SH   DFND 2 90 0 0
PAYCHEX INC COMMON STOCK 704326107 2,341 20,863 SH   DFND 2 20,863 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,279 14,864 SH   DFND 2 14,864 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109 42 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108 1,408 8,623 SH   DFND 2 8,623 0 0
PFIZER INC COMMON STOCK 717081103 2,270 51,873 SH   DFND 2 51,873 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 353 4,251 SH   DFND 2 4,251 0 0
PHILLIPS 66 COMMON STOCK 718546104 12 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202 4 200 SH   DFND 2 200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,139 16,942 SH   DFND 2 16,942 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 30 350 SH   DFND 2 350 0 0
QUALCOMM INC COMMON STOCK 747525103 1,804 15,965 SH   DFND 2 15,965 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 183 2,235 SH   DFND 2 2,235 0 0
ROKU INC COMMON STOCK 77543R102 6 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 38 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103 21 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 31 100 SH   DFND 2 100 0 0
SALESFORCE INC COMMON STOCK 79466L302 836 5,812 SH   DFND 2 5,812 0 0
SERVICENOW INC COMMON STOCK 81762P102 4 10 SH   DFND 2 10 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 122 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 4 50 SH   DFND 2 50 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 6 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 19 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 27 390 SH   DFND 2 390 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 15 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,632 19,363 SH   DFND 2 19,363 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,959 9,671 SH   DFND 2 9,671 0 0
SYSCO CORP COMMON STOCK 871829107 916 12,953 SH   DFND 2 12,953 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 187 1,780 SH   DFND 2 1,780 0 0
TARGET CORP COMMON STOCK 87612E106 22 146 SH   DFND 2 146 0 0
TESLA INC COMMON STOCK 88160R101 163 615 SH   DFND 2 615 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,428 9,228 SH   DFND 2 9,228 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,564 5,055 SH   DFND 2 5,055 0 0
TJX COS INC COMMON STOCK 872540109 1,862 29,977 SH   DFND 2 29,977 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 17 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,496 9,762 SH   DFND 2 9,762 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 66 1,525 SH   DFND 2 1,525 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 1 43 SH   DFND 2 43 0 0
TWITTER INC COMMON STOCK 90184L102 1 15 SH   DFND 2 15 0 0
UNION PAC CORP COMMON STOCK 907818108 2,393 12,284 SH   DFND 2 12,284 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 154 952 SH   DFND 2 952 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,875 5,692 SH   DFND 2 5,692 0 0
US BANCORP NEW COMMON STOCK 902973304 860 21,322 SH   DFND 2 21,322 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,631 42,968 SH   DFND 2 42,968 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH   DFND 2 15 0 0
VIATRIS INC COMMON STOCK 92556V106 0 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 5 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 3,705 20,856 SH   DFND 2 20,856 0 0
VONTIER CORP COMMON STOCK 928881101 3 176 SH   DFND 2 176 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 222 1,405 SH   DFND 2 1,405 0 0
WABTEC CORP COMMON STOCK 929740108 12 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103 1,178 9,083 SH   DFND 2 9,083 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 0 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 39 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 30 335 SH   DFND 2 335 0 0
WELLS FARGO & CO COMMON STOCK 949746101 213 5,285 SH   DFND 2 5,285 0 0
WENDY'S CO COMMON STOCK 95058W100 16 850 SH   DFND 2 850 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1,163 40,606 SH   DFND 2 40,606 0 0
XYLEM INC COMMON STOCK 98419M100 6 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 24 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 1,243 11,692 SH   DFND 2 11,692 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 67 645 SH   DFND 2 645 0 0
3M CO COMMON STOCK 88579Y101 242 2,190 SH   DFND 2 2,190 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102 7 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 61 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 33 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 93 435 SH   DFND 2 435 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 14 1,500 SH   DFND 2 1,500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 44,178 1,532,884 SH   DFND 2 1,532,884 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 58 225 SH   DFND 2 225 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 11 700 SH   DFND 2 700 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 20 175 SH   DFND 2 175 0 0
EATON CORP PLC COMMON STOCK G29183103 21 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 63 1,700 SH   DFND 2 1,700 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108 37 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 761 10,103 SH   DFND 2 10,103 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 83 1,034 SH   DFND 2 1,034 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885 0 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103 11 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 9 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 21 578 SH   DFND 2 578 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 10 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 9 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 116 1,890 SH   DFND 2 1,890 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 11 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 258 1,810 SH   DFND 2 1,810 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 87 1,300 SH   DFND 2 1,300 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 142 1,967 SH   DFND 2 1,967 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 441 14,513 SH   DFND 2 14,513 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 28 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 431 3,556 SH   DFND 2 3,556 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 228 2,747 SH   DFND 2 2,747 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 25 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 12,878 48,185 SH   DFND 2 48,185 0 0
INVESCO S&P 500 EQUAL WEIGHT E OTHER 46137V357 44 342 SH   DFND 2 342 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 27,447 568,148 SH   DFND 2 568,148 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 40 750 SH   DFND 2 750 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 35,651 162,596 SH   DFND 2 162,596 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 28,864 331,043 SH   DFND 2 331,043 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 101 282 SH   DFND 2 282 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 8 150 SH   DFND 2 150 0 0
ISHARES MSCI USA QUALITY FACTO OTHER 46432F339 92 886 SH   DFND 2 886 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 198 3,183 SH   DFND 2 3,183 0 0
ISHARES SILVER TRUST OTHER 46428Q109 21 1,210 SH   DFND 2 1,210 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 35 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1,490 21,914 SH   DFND 2 21,914 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 5 133 SH   DFND 2 133 0 0
SPDR GOLD TRUST OTHER 78463V107 216 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 352 7,027 SH   DFND 2 7,027 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 318 9,226 SH   DFND 2 9,226 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 114 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 46 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 10 25 SH   DFND 2 25 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 5,429 15,200 SH   DFND 2 15,200 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 548 4,617 SH   DFND 2 4,617 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 696 10,621 SH   DFND 2 10,621 0 0
VANECK BIOTECH ETF OTHER 92189F726 35 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 40 1,670 SH   DFND 2 1,670 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676 80 432 SH   DFND 2 432 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 22 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 14 380 SH   DFND 2 380 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 5 124 SH   DFND 2 124 0 0
VANGUARD GROWTH ETF OTHER 922908736 119 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504 12 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702 32 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629 26,538 141,174 SH   DFND 2 141,174 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 15 185 SH   DFND 2 185 0 0
VANGUARD S&P 500 ETF OTHER 922908363 74,999 228,446 SH   DFND 2 228,446 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 10,203 59,697 SH   DFND 2 59,697 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 121 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 4,821 50,041 SH   DFND 2 50,041 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 365 15,520 SH   DFND 2 15,520 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 6,366 254,330 SH   DFND 2 254,330 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 7,418 297,325 SH   DFND 2 297,325 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697 198 7,770 SH   DFND 2 7,770 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 7,053 289,659 SH   DFND 2 289,659 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 7,064 292,739 SH   DFND 2 292,739 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259 197 7,994 SH   DFND 2 7,994 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 6,955 301,087 SH   DFND 2 301,087 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 6,586 286,364 SH   DFND 2 286,364 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 6,434 270,470 SH   DFND 2 270,470 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 1,680 77,086 SH   DFND 2 77,086 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 1,378 68,001 SH   DFND 2 68,001 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 1,130 57,910 SH   DFND 2 57,910 0 0
ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 31 1,270 SH   DFND 2 1,270 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 672 28,760 SH   DFND 2 28,760 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 138 6,188 SH   DFND 2 6,188 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 4,437 90,045 SH   DFND 2 90,045 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 11,929 160,599 SH   DFND 2 160,599 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 934 13,088 SH   DFND 2 13,088 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318 199 7,886 SH   DFND 2 7,886 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432 197 7,608 SH   DFND 2 7,608 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283 196 8,042 SH   DFND 2 8,042 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 978 9,535 SH   DFND 2 9,535 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 3,029 59,883 SH   DFND 2 59,883 0 0
ABBOTT LABS COMMON STOCK 002824100 112 1,162 SH   OTR 2 0 1,162 0
ABBVIE INC COMMON STOCK 00287Y109 272 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101 88 320 SH   OTR 2 0 320 0
ALPHABET INC CL A COMMON STOCK 02079K305 585 6,120 SH   OTR 2 0 6,120 0
ALPHABET INC CL C COMMON STOCK 02079K107 192 2,000 SH   OTR 2 0 2,000 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106 296 2,620 SH   OTR 2 0 2,620 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 175 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 33 255 SH   OTR 2 0 255 0
AMGEN INC COMMON STOCK 031162100 56 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 1,491 10,787 SH   OTR 2 0 10,787 0
AT&T INC COMMON STOCK 00206R102 64 4,157 SH   OTR 2 0 4,157 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 707 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104 162 5,370 SH   OTR 2 0 5,370 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 57 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 102 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109 32 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 318 1,190 SH   OTR 2 0 1,190 0
BLACKROCK INC CL A COMMON STOCK 09247X101 140 255 SH   OTR 2 0 255 0
BLOCK INC CL A COMMON STOCK 852234103 10 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 179 2,511 SH   OTR 2 0 2,511 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 13 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 170 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101 185 1,125 SH   OTR 2 0 1,125 0
CHEVRON CORPORATION COMMON STOCK 166764100 378 2,633 SH   OTR 2 0 2,633 0
CIGNA CORP COMMON STOCK 125523100 12 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 56 1,405 SH   OTR 2 0 1,405 0
CLOROX COMPANY COMMON STOCK 189054109 13 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100 111 1,980 SH   OTR 2 0 1,980 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 400 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101 9 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 138 1,346 SH   OTR 2 0 1,346 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 176 767 SH   OTR 2 0 767 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 50 105 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 37 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 39 151 SH   OTR 2 0 151 0
DISNEY WALT CO NEW COMMON STOCK 254687106 168 1,777 SH   OTR 2 0 1,777 0
DOCUSIGN INC COMMON STOCK 256163106 12 225 SH   OTR 2 0 225 0
DOLLAR TREE INC COMMON STOCK 256746108 24 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109 40 575 SH   OTR 2 0 575 0
DOW INC COMMON STOCK 260557103 1 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107 33 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 59 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 144 1,000 SH   OTR 2 0 1,000 0
EMBECTA CORP COMMON STOCK 29082K105 1 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104 232 3,170 SH   OTR 2 0 3,170 0
EOG RES INC COMMON STOCK 26875P101 4 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102 800 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 18 295 SH   OTR 2 0 295 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 7 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102 481 1,744 SH   OTR 2 0 1,744 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 123 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100 154 5,985 SH   OTR 2 0 5,985 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 88 975 SH   OTR 2 0 975 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 535 4,500 SH   OTR 2 0 4,500 0
INTUIT INC COMMON STOCK 461202103 314 810 SH   OTR 2 0 810 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108 67 615 SH   OTR 2 0 615 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,054 6,451 SH   OTR 2 0 6,451 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 768 7,350 SH   OTR 2 0 7,350 0
KELLOGG CO COMMON STOCK 487836108 63 900 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 5 600 SH   OTR 2 0 600 0
LILLY ELI & CO COMMON STOCK 532457108 550 1,700 SH   OTR 2 0 1,700 0
LOWES COS INC COMMON STOCK 548661107 185 985 SH   OTR 2 0 985 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 9 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 26 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101 114 495 SH   OTR 2 0 495 0
MERCK & CO INC COMMON STOCK 58933Y105 280 3,255 SH   OTR 2 0 3,255 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 22 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108 14 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 1,655 7,105 SH   OTR 2 0 7,105 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 158 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106 51 215 SH   OTR 2 0 215 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 194 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103 245 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 142 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 138 1,140 SH   OTR 2 0 1,140 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 35 565 SH   OTR 2 0 565 0
ORACLE CORPORATION COMMON STOCK 68389X105 380 6,220 SH   OTR 2 0 6,220 0
ORGANON & CO COMMON STOCK 68622V106 4 180 SH   OTR 2 0 180 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 135 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 15 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107 139 1,240 SH   OTR 2 0 1,240 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 75 875 SH   OTR 2 0 875 0
PEPSICO INC COMMON STOCK 713448108 765 4,685 SH   OTR 2 0 4,685 0
PFIZER INC COMMON STOCK 717081103 505 11,530 SH   OTR 2 0 11,530 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 8 100 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 646 5,120 SH   OTR 2 0 5,120 0
QUALCOMM INC COMMON STOCK 747525103 28 245 SH   OTR 2 0 245 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 61 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 467 5,705 SH   OTR 2 0 5,705 0
RUMBLE INC CL A COMMON STOCK 78137L105 12 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302 19 130 SH   OTR 2 0 130 0
SOUTHERN COMPANY COMMON STOCK 842587107 41 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109 178 2,110 SH   OTR 2 0 2,110 0
STRYKER CORPORATION COMMON STOCK 863667101 309 1,525 SH   OTR 2 0 1,525 0
SYSCO CORP COMMON STOCK 871829107 19 270 SH   OTR 2 0 270 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 183 1,740 SH   OTR 2 0 1,740 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 26 165 SH   OTR 2 0 165 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 198 390 SH   OTR 2 0 390 0
TJX COS INC COMMON STOCK 872540109 136 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 18 120 SH   OTR 2 0 120 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108 96 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 113 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 174 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304 120 2,975 SH   OTR 2 0 2,975 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 151 3,972 SH   OTR 2 0 3,972 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 87 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106 9 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839 227 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103 67 520 SH   OTR 2 0 520 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 7 648 SH   OTR 2 0 648 0
WELLS FARGO & CO COMMON STOCK 949746101 61 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 46 1,600 SH   OTR 2 0 1,600 0
YUM! BRANDS INC COMMON STOCK 988498101 14 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 39 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 239 2,160 SH   OTR 2 0 2,160 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 36 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 626 21,708 SH   OTR 2 0 21,708 0
EATON CORP PLC COMMON STOCK G29183103 67 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G5494J103 74 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 10 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103 48 600 SH   OTR 2 0 600 0
SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 128 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 395 8,255 SH   OTR 2 0 8,255 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 632 4,435 SH   OTR 2 0 4,435 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 329 4,924 SH   OTR 2 0 4,924 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 214 2,968 SH   OTR 2 0 2,968 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 559 18,417 SH   OTR 2 0 18,417 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 780 6,440 SH   OTR 2 0 6,440 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 429 5,179 SH   OTR 2 0 5,179 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 99 371 SH   OTR 2 0 371 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 790 16,360 SH   OTR 2 0 16,360 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 232 1,059 SH   OTR 2 0 1,059 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 615 7,053 SH   OTR 2 0 7,053 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 14 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 31 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 267 3,926 SH   OTR 2 0 3,926 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 18 525 SH   OTR 2 0 525 0
SPDR S&P BIOTECH ETF OTHER 78464A870 8 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 121 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,307 11,004 SH   OTR 2 0 11,004 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 114 1,741 SH   OTR 2 0 1,741 0
VANGUARD MID-CAP ETF OTHER 922908629 2,995 15,932 SH   OTR 2 0 15,932 0
VANGUARD REAL ESTATE ETF OTHER 922908553 160 1,990 SH   OTR 2 0 1,990 0
VANGUARD S&P 500 ETF OTHER 922908363 1,245 3,791 SH   OTR 2 0 3,791 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,183 6,922 SH   OTR 2 0 6,922 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 41 500 SH   OTR 2 0 500 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 458 4,750 SH   OTR 2 0 4,750 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 117 4,693 SH   OTR 2 0 4,693 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 116 4,661 SH   OTR 2 0 4,661 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 223 9,142 SH   OTR 2 0 9,142 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 174 7,228 SH   OTR 2 0 7,228 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 173 7,479 SH   OTR 2 0 7,479 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 213 9,274 SH   OTR 2 0 9,274 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 210 8,821 SH   OTR 2 0 8,821 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 119 5,469 SH   OTR 2 0 5,469 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 40 1,951 SH   OTR 2 0 1,951 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 39 2,006 SH   OTR 2 0 2,006 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 153 3,106 SH   OTR 2 0 3,106 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 567 7,628 SH   OTR 2 0 7,628 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 44 425 SH   OTR 2 0 425 0