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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100   2,126 19,366 SH   DFND 2 19,366 0 0
ABBVIE INC COMMON STOCK 00287Y109   893 5,524 SH   DFND 2 5,524 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,568 20,478 SH   DFND 2 20,478 0 0
ADOBE INC COMMON STOCK 00724F101   2,112 6,275 SH   DFND 2 6,275 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   93 302 SH   DFND 2 302 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   4,978 56,429 SH   DFND 2 56,429 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,323 14,905 SH   DFND 2 14,905 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   283 6,181 SH   DFND 2 6,181 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,188 37,950 SH   DFND 2 37,950 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   51 540 SH   DFND 2 540 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   257 1,740 SH   DFND 2 1,740 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   19 300 SH   DFND 2 300 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   821 5,389 SH   DFND 2 5,389 0 0
AMGEN INC COMMON STOCK 031162100   1,272 4,845 SH   DFND 2 4,845 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   36 467 SH   DFND 2 467 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   10 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   7,327 56,394 SH   DFND 2 56,394 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   224 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   19 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104   128 1,191 SH   DFND 2 1,191 0 0
AT&T INC COMMON STOCK 00206R102   506 27,474 SH   DFND 2 27,474 0 0
AUTODESK INC COMMON STOCK 052769106   15 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,023 4,283 SH   DFND 2 4,283 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,853 55,943 SH   DFND 2 55,943 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   51 1,130 SH   DFND 2 1,130 0 0
BAXTER INTL INC COMMON STOCK 071813109   22 430 SH   DFND 2 430 0 0
BECTON DICKINSON COMMON STOCK 075887109   48 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,989 9,676 SH   DFND 2 9,676 0 0
BEST BUY CO INC COMMON STOCK 086516101   60 751 SH   DFND 2 751 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,370 3,345 SH   DFND 2 3,345 0 0
BLACKSTONE INC COMMON STOCK 09260D107   41 558 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   30 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   64 32 SH   DFND 2 32 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   2,474 34,386 SH   DFND 2 34,386 0 0
BROADCOM INC COMMON STOCK 11135F101   77 137 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   8 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   43 1,042 SH   DFND 2 1,042 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,071 8,646 SH   DFND 2 8,646 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   52 625 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   1,357 7,563 SH   DFND 2 7,563 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,718 57,052 SH   DFND 2 57,052 0 0
CITIGROUP INC COMMON STOCK 172967424   7 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109   70 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   64 378 SH   DFND 2 378 0 0
CMS ENERGY CORP COMMON STOCK 125896100   8 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100   1,525 23,978 SH   DFND 2 23,978 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   232 2,940 SH   DFND 2 2,940 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   103 2,950 SH   DFND 2 2,950 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,368 11,596 SH   DFND 2 11,596 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   70 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   993 4,282 SH   DFND 2 4,282 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   3 33 SH   DFND 2 33 0 0
CORNING INC COMMON STOCK 219350105   70 2,184 SH   DFND 2 2,184 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,299 5,036 SH   DFND 2 5,036 0 0
CSX CORP COMMON STOCK 126408103   8 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,514 6,250 SH   DFND 2 6,250 0 0
CVS HEALTH CORP COMMON STOCK 126650100   29 313 SH   DFND 2 313 0 0
DANAHER CORP COMMON STOCK 235851102   1,595 6,011 SH   DFND 2 6,011 0 0
DEERE & CO COMMON STOCK 244199105   320 746 SH   DFND 2 746 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   6 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,101 24,186 SH   DFND 2 24,186 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   30 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   2,370 16,755 SH   DFND 2 16,755 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   437 7,124 SH   DFND 2 7,124 0 0
DOW INC COMMON STOCK 260557103   46 914 SH   DFND 2 914 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   104 1,006 SH   DFND 2 1,006 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   62 903 SH   DFND 2 903 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   463 5,687 SH   DFND 2 5,687 0 0
EBAY INC COMMON STOCK 278642103   17 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   362 2,487 SH   DFND 2 2,487 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   22 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109   2 20 SH   DFND 2 20 0 0
EMERSON ELEC CO COMMON STOCK 291011104   150 1,560 SH   DFND 2 1,560 0 0
EOG RES INC COMMON STOCK 26875P101   24 185 SH   DFND 2 185 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   52 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   3,247 29,437 SH   DFND 2 29,437 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   24 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   133 770 SH   DFND 2 770 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   34 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   243 2,400 SH   DFND 2 2,400 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   116 10,000 SH   DFND 2 10,000 0 0
FORTIVE CORP COMMON STOCK 34959J108   85 1,328 SH   DFND 2 1,328 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,999 8,055 SH   DFND 2 8,055 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   199 2,373 SH   DFND 2 2,373 0 0
GENERAL MLS INC COMMON STOCK 370334104   249 2,970 SH   DFND 2 2,970 0 0
GENUINE PARTS CO COMMON STOCK 372460105   36 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   139 1,614 SH   DFND 2 1,614 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   150 437 SH   DFND 2 437 0 0
GRAINGER W W INC COMMON STOCK 384802104   42 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   8 200 SH   DFND 2 200 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100   63 1,495 SH   DFND 2 1,495 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,949 12,501 SH   DFND 2 12,501 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,788 13,008 SH   DFND 2 13,008 0 0
IDACORP INC COMMON STOCK 451107106   25 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   97 440 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   762 28,859 SH   DFND 2 28,859 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,181 21,258 SH   DFND 2 21,258 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   136 1,295 SH   DFND 2 1,295 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   253 1,796 SH   DFND 2 1,796 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   21 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   85 710 SH   DFND 2 710 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,815 21,595 SH   DFND 2 21,595 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,626 27,040 SH   DFND 2 27,040 0 0
KADANT INC COMMON STOCK 48282T104   144 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108   7 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   14 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   30 221 SH   DFND 2 221 0 0
KKR & CO INC CL A COMMON STOCK 48251W104   78 1,670 SH   DFND 2 1,670 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   26 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   198 540 SH   DFND 2 540 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   297 611 SH   DFND 2 611 0 0
LOWES COS INC COMMON STOCK 548661107   1,608 8,072 SH   DFND 2 8,072 0 0
MANITOWOC CO INC COMMON STOCK 563571405   2 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   11 72 SH   DFND 2 72 0 0
MASCO CORP COMMON STOCK 574599106   889 19,054 SH   DFND 2 19,054 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   2,512 7,225 SH   DFND 2 7,225 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   94 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,112 8,014 SH   DFND 2 8,014 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109   18 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105   651 5,863 SH   DFND 2 5,863 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   207 1,722 SH   DFND 2 1,722 0 0
METLIFE INC COMMON STOCK 59156R108   38 526 SH   DFND 2 526 0 0
MICROSOFT CORP COMMON STOCK 594918104   6,723 28,030 SH   DFND 2 28,030 0 0
MODERNA INC COMMON STOCK 60770K107   9 50 SH   DFND 2 50 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   12 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   48 475 SH   DFND 2 475 0 0
MORGAN STANLEY COMMON STOCK 617446448   722 8,493 SH   DFND 2 8,493 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   16 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   1,283 4,350 SH   DFND 2 4,350 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   675 8,073 SH   DFND 2 8,073 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   570 4,876 SH   DFND 2 4,876 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   69 280 SH   DFND 2 280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   45 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401   1 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105   5 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   1,381 9,449 SH   DFND 2 9,449 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   3,327 40,707 SH   DFND 2 40,707 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   21 262 SH   DFND 2 262 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   11 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   3 10 SH   DFND 2 10 0 0
PAYCHEX INC COMMON STOCK 704326107   2,350 20,336 SH   DFND 2 20,336 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   965 13,550 SH   DFND 2 13,550 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   46 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,536 8,503 SH   DFND 2 8,503 0 0
PFIZER INC COMMON STOCK 717081103   2,622 51,171 SH   DFND 2 51,171 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   527 5,209 SH   DFND 2 5,209 0 0
PHILLIPS 66 COMMON STOCK 718546104   15 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   5 400 SH   DFND 2 400 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,551 16,826 SH   DFND 2 16,826 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   35 350 SH   DFND 2 350 0 0
QUALCOMM INC COMMON STOCK 747525103   1,696 15,428 SH   DFND 2 15,428 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   207 2,047 SH   DFND 2 2,047 0 0
ROKU INC COMMON STOCK 77543R102   4 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   45 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103   29 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   37 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   1,261 9,507 SH   DFND 2 9,507 0 0
SERVICENOW INC COMMON STOCK 81762P102   3 8 SH   DFND 2 8 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   141 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   6 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   22 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   34 479 SH   DFND 2 479 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   17 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,854 18,686 SH   DFND 2 18,686 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,384 9,750 SH   DFND 2 9,750 0 0
SYSCO CORP COMMON STOCK 871829107   986 12,889 SH   DFND 2 12,889 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   194 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   76 615 SH   DFND 2 615 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,371 8,300 SH   DFND 2 8,300 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,737 4,970 SH   DFND 2 4,970 0 0
TJX COS INC COMMON STOCK 872540109   2,192 27,537 SH   DFND 2 27,537 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   19 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,816 9,686 SH   DFND 2 9,686 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   2 43 SH   DFND 2 43 0 0
UNION PAC CORP COMMON STOCK 907818108   2,534 12,237 SH   DFND 2 12,237 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   161 925 SH   DFND 2 925 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,978 5,617 SH   DFND 2 5,617 0 0
US BANCORP NEW COMMON STOCK 902973304   931 21,366 SH   DFND 2 21,366 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,318 33,446 SH   DFND 2 33,446 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   3 10 SH   DFND 2 10 0 0
VIATRIS INC COMMON STOCK 92556V106   0 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   4 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839   4,229 20,353 SH   DFND 2 20,353 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   246 1,405 SH   DFND 2 1,405 0 0
WABTEC CORP COMMON STOCK 929740108   15 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103   1,266 8,925 SH   DFND 2 8,925 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   74 469 SH   DFND 2 469 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   28 300 SH   DFND 2 300 0 0
WELLS FARGO & CO COMMON STOCK 949746101   214 5,185 SH   DFND 2 5,185 0 0
WENDY'S CO COMMON STOCK 95058W100   19 850 SH   DFND 2 850 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,399 42,508 SH   DFND 2 42,508 0 0
XYLEM INC COMMON STOCK 98419M100   8 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   27 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,426 11,138 SH   DFND 2 11,138 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   82 645 SH   DFND 2 645 0 0
3M CO COMMON STOCK 88579Y101   263 2,190 SH   DFND 2 2,190 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102   8 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   74 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   43 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   92 435 SH   DFND 2 435 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   15 1,500 SH   DFND 2 1,500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   52,753 1,556,129 SH   DFND 2 1,556,129 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   57 215 SH   DFND 2 215 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   12 700 SH   DFND 2 700 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   22 175 SH   DFND 2 175 0 0
EATON CORP PLC COMMON STOCK G29183103   24 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   66 1,700 SH   DFND 2 1,700 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   42 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   847 10,201 SH   DFND 2 10,201 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   4 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   80 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   14 216 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   31 578 SH   DFND 2 578 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   12 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709   10 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   122 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   234 1,810 SH   DFND 2 1,810 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   97 1,300 SH   DFND 2 1,300 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   172 1,967 SH   DFND 2 1,967 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   496 14,513 SH   DFND 2 14,513 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   31 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   483 3,556 SH   DFND 2 3,556 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   270 2,747 SH   DFND 2 2,747 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610   26 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   14,091 52,919 SH   DFND 2 52,919 0 0
INVESCO S&P 500 EQUAL WEIGHT E OTHER 46137V357   48 342 SH   DFND 2 342 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   27,105 484,189 SH   DFND 2 484,189 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   46 750 SH   DFND 2 750 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   40,390 166,977 SH   DFND 2 166,977 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   32,189 340,114 SH   DFND 2 340,114 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   108 282 SH   DFND 2 282 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   5 70 SH   DFND 2 70 0 0
ISHARES MSCI USA QUALITY FACTO OTHER 46432F339   101 886 SH   DFND 2 886 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   210 3,118 SH   DFND 2 3,118 0 0
ISHARES SILVER TRUST OTHER 46428Q109   50 2,285 SH   DFND 2 2,285 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   35 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,633 21,024 SH   DFND 2 21,024 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   5 133 SH   DFND 2 133 0 0
SPDR GOLD TRUST OTHER 78463V107   237 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   354 6,977 SH   DFND 2 6,977 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   365 9,376 SH   DFND 2 9,376 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   120 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   52 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   11 25 SH   DFND 2 25 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   5,300 13,860 SH   DFND 2 13,860 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   573 4,607 SH   DFND 2 4,607 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   743 10,543 SH   DFND 2 10,543 0 0
VANECK BIOTECH ETF OTHER 92189F726   40 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   48 1,670 SH   DFND 2 1,670 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676   88 432 SH   DFND 2 432 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   21 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858   16 380 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   118 556 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   33 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629   27,095 132,945 SH   DFND 2 132,945 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   176 2,135 SH   DFND 2 2,135 0 0
VANGUARD S&P 500 ETF OTHER 922908363   79,093 225,118 SH   DFND 2 225,118 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   10,432 56,836 SH   DFND 2 56,836 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   120 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   4,551 46,927 SH   DFND 2 46,927 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   456 19,180 SH   DFND 2 19,180 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   6,865 274,260 SH   DFND 2 274,260 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   246 9,540 SH   DFND 2 9,540 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   6,691 274,013 SH   DFND 2 274,013 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   6,764 278,107 SH   DFND 2 278,107 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   247 9,791 SH   DFND 2 9,791 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   6,590 282,244 SH   DFND 2 282,244 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   6,362 272,233 SH   DFND 2 272,233 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   6,217 255,949 SH   DFND 2 255,949 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   5,510 248,555 SH   DFND 2 248,555 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   5,141 247,156 SH   DFND 2 247,156 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   5,009 251,835 SH   DFND 2 251,835 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150   620 26,417 SH   DFND 2 26,417 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   151 6,638 SH   DFND 2 6,638 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   4,303 86,361 SH   DFND 2 86,361 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   11,683 155,376 SH   DFND 2 155,376 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,312 18,264 SH   DFND 2 18,264 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318   245 9,684 SH   DFND 2 9,684 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   246 9,333 SH   DFND 2 9,333 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   247 9,857 SH   DFND 2 9,857 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,217 11,536 SH   DFND 2 11,536 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,402 84,016 SH   DFND 2 84,016 0 0
ABBOTT LABS COMMON STOCK 002824100   138 1,257 SH   OTR 2 0 1,257 0
ABBVIE INC COMMON STOCK 00287Y109   327 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101   82 245 SH   OTR 2 0 245 0
ALPHABET INC CL A COMMON STOCK 02079K305   540 6,120 SH   OTR 2 0 6,120 0
ALPHABET INC CL C COMMON STOCK 02079K107   177 2,000 SH   OTR 2 0 2,000 0
ALTRIA GROUP INC COMMON STOCK 02209S103   7 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106   220 2,620 SH   OTR 2 0 2,620 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   192 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   43 285 SH   OTR 2 0 285 0
AMGEN INC COMMON STOCK 031162100   66 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100   1,188 9,146 SH   OTR 2 0 9,146 0
AT&T INC COMMON STOCK 00206R102   54 2,957 SH   OTR 2 0 2,957 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   746 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104   178 5,370 SH   OTR 2 0 5,370 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   67 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109   97 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109   37 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   368 1,190 SH   OTR 2 0 1,190 0
BLACKROCK INC CL A COMMON STOCK 09247X101   181 255 SH   OTR 2 0 255 0
BLOCK INC CL A COMMON STOCK 852234103   12 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   181 2,511 SH   OTR 2 0 2,511 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   15 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   197 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101   274 1,145 SH   OTR 2 0 1,145 0
CHEVRON CORPORATION COMMON STOCK 166764100   473 2,633 SH   OTR 2 0 2,633 0
CIGNA CORP COMMON STOCK 125523100   15 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   72 1,505 SH   OTR 2 0 1,505 0
CLOROX COMPANY COMMON STOCK 189054109   14 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   129 2,030 SH   OTR 2 0 2,030 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   449 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101   10 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104   163 1,381 SH   OTR 2 0 1,381 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   178 767 SH   OTR 2 0 767 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   48 105 SH   OTR 2 0 105 0
CUMMINS INC COMMON STOCK 231021106   45 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100   36 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   59 221 SH   OTR 2 0 221 0
DISNEY WALT CO NEW COMMON STOCK 254687106   158 1,817 SH   OTR 2 0 1,817 0
DOCUSIGN INC COMMON STOCK 256163106   12 225 SH   OTR 2 0 225 0
DOLLAR TREE INC COMMON STOCK 256746108   25 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109   48 775 SH   OTR 2 0 775 0
DOW INC COMMON STOCK 260557103   2 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   65 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100   146 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   305 3,170 SH   OTR 2 0 3,170 0
EOG RES INC COMMON STOCK 26875P101   5 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,001 9,075 SH   OTR 2 0 9,075 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   50 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103   9 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   9 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   551 1,744 SH   OTR 2 0 1,744 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   158 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100   146 5,540 SH   OTR 2 0 5,540 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   100 975 SH   OTR 2 0 975 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   634 4,500 SH   OTR 2 0 4,500 0
INTUIT INC COMMON STOCK 461202103   315 810 SH   OTR 2 0 810 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   74 615 SH   OTR 2 0 615 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,122 6,351 SH   OTR 2 0 6,351 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   991 7,390 SH   OTR 2 0 7,390 0
KELLOGG CO COMMON STOCK 487836108   64 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106   1 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108   622 1,700 SH   OTR 2 0 1,700 0
LOWES COS INC COMMON STOCK 548661107   196 985 SH   OTR 2 0 985 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   10 65 SH   OTR 2 0 65 0
MASCO CORP COMMON STOCK 574599106   22 470 SH   OTR 2 0 470 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   31 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   130 495 SH   OTR 2 0 495 0
MERCK & CO INC COMMON STOCK 58933Y105   361 3,255 SH   OTR 2 0 3,255 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   20 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108   17 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104   1,649 6,875 SH   OTR 2 0 6,875 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   14 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448   170 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   69 235 SH   OTR 2 0 235 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   206 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103   345 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   166 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104   237 1,625 SH   OTR 2 0 1,625 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   36 565 SH   OTR 2 0 565 0
ORACLE CORPORATION COMMON STOCK 68389X105   508 6,220 SH   OTR 2 0 6,220 0
ORGANON & CO COMMON STOCK 68622V106   1 24 SH   OTR 2 0 24 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   165 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   13 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   140 1,215 SH   OTR 2 0 1,215 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   74 1,037 SH   OTR 2 0 1,037 0
PEPSICO INC COMMON STOCK 713448108   841 4,656 SH   OTR 2 0 4,656 0
PFIZER INC COMMON STOCK 717081103   587 11,455 SH   OTR 2 0 11,455 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   10 100 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   777 5,125 SH   OTR 2 0 5,125 0
QUALCOMM INC COMMON STOCK 747525103   24 220 SH   OTR 2 0 220 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   78 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   576 5,705 SH   OTR 2 0 5,705 0
RUMBLE INC CL A COMMON STOCK 78137L105   6 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   81 610 SH   OTR 2 0 610 0
SOUTHERN COMPANY COMMON STOCK 842587107   43 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109   209 2,110 SH   OTR 2 0 2,110 0
STRYKER CORPORATION COMMON STOCK 863667101   373 1,525 SH   OTR 2 0 1,525 0
SYSCO CORP COMMON STOCK 871829107   23 300 SH   OTR 2 0 300 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   190 1,740 SH   OTR 2 0 1,740 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   215 390 SH   OTR 2 0 390 0
TJX COS INC COMMON STOCK 872540109   175 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   22 120 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   103 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   122 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   167 315 SH   OTR 2 0 315 0
US BANCORP NEW COMMON STOCK 902973304   132 3,025 SH   OTR 2 0 3,025 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   156 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   12 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   266 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103   74 520 SH   OTR 2 0 520 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   3 359 SH   OTR 2 0 359 0
WELLS FARGO & CO COMMON STOCK 949746101   63 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100   59 1,805 SH   OTR 2 0 1,805 0
YUM! BRANDS INC COMMON STOCK 988498101   17 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   48 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101   259 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   736 21,707 SH   OTR 2 0 21,707 0
EATON CORP PLC COMMON STOCK G29183103   78 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G5494J103   90 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   11 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   47 600 SH   OTR 2 0 600 0
SCHLUMBERGER LTD COMMON STOCK 806857108   12 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509   135 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   390 8,133 SH   OTR 2 0 8,133 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   582 4,506 SH   OTR 2 0 4,506 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   356 4,778 SH   OTR 2 0 4,778 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   238 2,722 SH   OTR 2 0 2,722 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   612 17,882 SH   OTR 2 0 17,882 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   809 5,955 SH   OTR 2 0 5,955 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   511 5,202 SH   OTR 2 0 5,202 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   126 474 SH   OTR 2 0 474 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   887 15,851 SH   OTR 2 0 15,851 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   337 1,394 SH   OTR 2 0 1,394 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   680 7,188 SH   OTR 2 0 7,188 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182   3 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   15 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   34 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   299 3,854 SH   OTR 2 0 3,854 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   20 525 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   6 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   130 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,447 11,627 SH   OTR 2 0 11,627 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   162 2,293 SH   OTR 2 0 2,293 0
VANGUARD MID-CAP ETF OTHER 922908629   3,184 15,623 SH   OTR 2 0 15,623 0
VANGUARD REAL ESTATE ETF OTHER 922908553   164 1,990 SH   OTR 2 0 1,990 0
VANGUARD S&P 500 ETF OTHER 922908363   1,313 3,736 SH   OTR 2 0 3,736 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,280 6,976 SH   OTR 2 0 6,976 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   122 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   461 4,750 SH   OTR 2 0 4,750 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   131 5,235 SH   OTR 2 0 5,235 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   238 9,732 SH   OTR 2 0 9,732 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   190 7,813 SH   OTR 2 0 7,813 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   189 8,087 SH   OTR 2 0 8,087 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   231 9,886 SH   OTR 2 0 9,886 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   228 9,404 SH   OTR 2 0 9,404 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   142 6,420 SH   OTR 2 0 6,420 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   62 2,963 SH   OTR 2 0 2,963 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   112 5,653 SH   OTR 2 0 5,653 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   151 3,025 SH   OTR 2 0 3,025 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   653 8,684 SH   OTR 2 0 8,684 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   45 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100   22 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109   32 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   44 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100   39 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105   29 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100   55 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102   6 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   18 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100   34 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   19 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   16 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102   27 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106   17 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109   12 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103   3 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   5 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102   24 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104   8 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102   32 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100   11 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   14 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104   26 150 SH   OTR   0 150 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   0 20 SH   OTR   0 20 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   7 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101   26 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104   96 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105   25 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108   27 150 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   27 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109   32 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839   15 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   25 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629   90 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751   29 158 SH   OTR   0 158 0
ABBOTT LABS COMMON STOCK 002824100   99 906 SH   SOLE   906 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   45 584 SH   SOLE   584 0 0
ADOBE INC COMMON STOCK 00724F101   122 364 SH   SOLE   364 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   168 1,904 SH   SOLE   1,904 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   71 805 SH   SOLE   805 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   21 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106   187 2,232 SH   SOLE   2,232 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   12 80 SH   SOLE   80 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   42 278 SH   SOLE   278 0 0
AMGEN INC COMMON STOCK 031162100   29 109 SH   SOLE   109 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   23 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100   948 7,294 SH   SOLE   7,294 0 0
AT&T INC COMMON STOCK 00206R102   54 2,950 SH   SOLE   2,950 0 0
AUTODESK INC COMMON STOCK 052769106   19 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   77 321 SH   SOLE   321 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   77 2,330 SH   SOLE   2,330 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   127 410 SH   SOLE   410 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   119 168 SH   SOLE   168 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   6 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   143 1,991 SH   SOLE   1,991 0 0
CATERPILLAR INC COMMON STOCK 149123101   77 323 SH   SOLE   323 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   49 272 SH   SOLE   272 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   108 2,274 SH   SOLE   2,274 0 0
CLOROX COMPANY COMMON STOCK 189054109   11 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100   127 1,997 SH   SOLE   1,997 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   16 200 SH   SOLE   200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   72 610 SH   SOLE   610 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   58 250 SH   SOLE   250 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   115 252 SH   SOLE   252 0 0
CUMMINS INC COMMON STOCK 231021106   64 265 SH   SOLE   265 0 0
CVS HEALTH CORP COMMON STOCK 126650100   5 50 SH   SOLE   50 0 0
DANAHER CORP COMMON STOCK 235851102   95 358 SH   SOLE   358 0 0
DEERE & CO COMMON STOCK 244199105   34 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   6 50 SH   SOLE   50 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   117 1,349 SH   SOLE   1,349 0 0
DOLLAR TREE INC COMMON STOCK 256746108   76 540 SH   SOLE   540 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   18 293 SH   SOLE   293 0 0
DOW INC COMMON STOCK 260557103   2 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   22 271 SH   SOLE   271 0 0
ECOLAB INC COMMON STOCK 278865100   4 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   23 45 SH   SOLE   45 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   157 1,426 SH   SOLE   1,426 0 0
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GENERAL DYNAMICS CORP COMMON STOCK 369550108   100 405 SH   SOLE   405 0 0
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GENERAL MLS INC COMMON STOCK 370334104   25 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   31 90 SH   SOLE   90 0 0
HOME DEPOT INC COMMON STOCK 437076102   204 646 SH   SOLE   646 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   149 693 SH   SOLE   693 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   28 125 SH   SOLE   125 0 0
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INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   108 1,051 SH   SOLE   1,051 0 0
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JACOBS SOLUTIONS INC COMMON STOCK 46982L108   5 40 SH   SOLE   40 0 0
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JP MORGAN CHASE & CO COMMON STOCK 46625H100   187 1,391 SH   SOLE   1,391 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   7 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   1 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   2 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107   68 339 SH   SOLE   339 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   11 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106   51 1,099 SH   SOLE   1,099 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   114 329 SH   SOLE   329 0 0
MCDONALDS CORP COMMON STOCK 580135101   107 406 SH   SOLE   406 0 0
MERCK & CO INC COMMON STOCK 58933Y105   86 775 SH   SOLE   775 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   27 228 SH   SOLE   228 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   30 430 SH   SOLE   430 0 0
MICROSOFT CORP COMMON STOCK 594918104   363 1,513 SH   SOLE   1,513 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   20 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448   9 100 SH   SOLE   100 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307   6 22 SH   SOLE   22 0 0
NASDAQ INC COMMON STOCK 631103108   18 300 SH   SOLE   300 0 0
NETFLIX INC COMMON STOCK 64110L106   81 275 SH   SOLE   275 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   30 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   37 319 SH   SOLE   319 0 0
NORTHERN TRUST CORP COMMON STOCK 665859104   3 38 SH   SOLE   38 0 0
NVIDIA CORP COMMON STOCK 67066G104   87 597 SH   SOLE   597 0 0
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PAYCHEX INC COMMON STOCK 704326107   124 1,071 SH   SOLE   1,071 0 0
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PEPSICO INC COMMON STOCK 713448108   28 155 SH   SOLE   155 0 0
PFIZER INC COMMON STOCK 717081103   155 3,016 SH   SOLE   3,016 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   119 788 SH   SOLE   788 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   12 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   89 812 SH   SOLE   812 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   25 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   112 843 SH   SOLE   843 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   3 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109   76 769 SH   SOLE   769 0 0
STRYKER CORPORATION COMMON STOCK 863667101   158 647 SH   SOLE   647 0 0
SYSCO CORP COMMON STOCK 871829107   39 512 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   7 60 SH   SOLE   60 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   15 88 SH   SOLE   88 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   123 224 SH   SOLE   224 0 0
TJX COS INC COMMON STOCK 872540109   82 1,033 SH   SOLE   1,033 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   74 393 SH   SOLE   393 0 0
UNION PAC CORP COMMON STOCK 907818108   127 614 SH   SOLE   614 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   11 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   128 242 SH   SOLE   242 0 0
US BANCORP NEW COMMON STOCK 902973304   62 1,426 SH   SOLE   1,426 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   81 2,054 SH   SOLE   2,054 0 0
VISA INC CL A COMMON STOCK 92826C839   209 1,004 SH   SOLE   1,004 0 0
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WALMART INC COMMON STOCK 931142103   51 361 SH   SOLE   361 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   5 492 SH   SOLE   492 0 0
WELLS FARGO & CO COMMON STOCK 949746101   3 75 SH   SOLE   75 0 0
WILLIAMS COS INC COMMON STOCK 969457100   93 2,822 SH   SOLE   2,822 0 0
YUM! BRANDS INC COMMON STOCK 988498101   69 539 SH   SOLE   539 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 INC REIT COMMON STOCK 22822V101   10 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   739 21,803 SH   SOLE   21,803 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   15 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   37 448 SH   SOLE   448 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   33 625 SH   SOLE   625 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   34 700 SH   SOLE   700 0 0
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CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   35 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   30 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   109 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   65 660 SH   SOLE   660 0 0
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MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   105 1,352 SH   SOLE   1,352 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   53 1,555 SH   SOLE   1,555 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   97 253 SH   SOLE   253 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   124 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   64 904 SH   SOLE   904 0 0
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VANGUARD SMALL-CAP ETF OTHER 922908751   459 2,502 SH   SOLE   2,502 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   20 242 SH   SOLE   242 0 0
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ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   590 28,382 SH   SOLE   28,382 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   646 32,471 SH   SOLE   32,471 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   436 5,793 SH   SOLE   5,793 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   18 245 SH   SOLE   245 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   50 951 SH   SOLE   951 0 0
ABBOTT LABS COMMON STOCK 002824100   2,196 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,340 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101   3,365 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   832 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   3,441 39,000 SH   DFND 3 39,000 0 0
AMAZON.COM INC COMMON STOCK 023135106   2,940 35,000 SH   DFND 3 35,000 0 0
AMGEN INC COMMON STOCK 031162100   2,679 10,200 SH   DFND 3 10,200 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,665 35,000 SH   DFND 3 35,000 0 0
APPLE INC COMMON STOCK 037833100   7,471 57,500 SH   DFND 3 57,500 0 0
AT&T INC COMMON STOCK 00206R102   479 26,000 SH   DFND 3 26,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,302 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,950 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,374 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   632 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   958 4,000 SH   DFND 3 4,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,508 8,400 SH   DFND 3 8,400 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,465 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,449 3,175 SH   DFND 3 3,175 0 0
DANAHER CORP COMMON STOCK 235851102   1,327 5,000 SH   DFND 3 5,000 0 0
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DOLLAR TREE INC COMMON STOCK 256746108   1,188 8,400 SH   DFND 3 8,400 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   491 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201   1,316 3,800 SH   DFND 3 3,800 0 0
ECOLAB INC COMMON STOCK 278865100   568 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   1,114 10,100 SH   DFND 3 10,100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   893 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   2,906 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,143 10,000 SH   DFND 3 10,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,703 26,350 SH   DFND 3 26,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,268 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,910 21,700 SH   DFND 3 21,700 0 0
MASCO CORP COMMON STOCK 574599106   1,540 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   685 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   662 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   7,195 30,000 SH   DFND 3 30,000 0 0
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NETFLIX INC COMMON STOCK 64110L106   885 3,000 SH   DFND 3 3,000 0 0
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NVIDIA CORP COMMON STOCK 67066G104   950 6,500 SH   DFND 3 6,500 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,553 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108   2,385 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103   2,793 54,500 SH   DFND 3 54,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,334 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103   1,512 13,750 SH   DFND 3 13,750 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,572 19,400 SH   DFND 3 19,400 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   1,483 6,250 SH   DFND 3 6,250 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   653 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,200 9,000 SH   DFND 3 9,000 0 0
SYSCO CORP COMMON STOCK 871829107   1,338 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   3,208 5,825 SH   DFND 3 5,825 0 0
TJX COS INC COMMON STOCK 872540109   1,835 23,050 SH   DFND 3 23,050 0 0
UNION PAC CORP COMMON STOCK 907818108   1,097 5,300 SH   DFND 3 5,300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   1,982 11,400 SH   DFND 3 11,400 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,234 6,100 SH   DFND 3 6,100 0 0
VISA INC CL A COMMON STOCK 92826C839   3,766 18,125 SH   DFND 3 18,125 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   525 3,000 SH   DFND 3 3,000 0 0
WALMART INC COMMON STOCK 931142103   2,198 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   2,824 18,000 SH   DFND 3 18,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,132 34,400 SH   DFND 3 34,400 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109   219 1,500 SH   DFND 3 1,500 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   498 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   902 9,000 SH   DFND 3 9,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   532 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   706 8,500 SH   DFND 3 8,500 0 0