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
ABBVIE INC COMMON STOCK 00287Y109   718,320 4,819 SH   DFND 2 4,819 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,641,615 17,533 SH   DFND 2 17,533 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   225,893 5,372 SH   DFND 2 5,372 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   65,065 865 SH   DFND 2 865 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   271,973 1,823 SH   DFND 2 1,823 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   12,120 200 SH   DFND 2 200 0 0
AMERICAN SUPERCONDUCTOR CORP COMMON STOCK 030111207   2,605 345 SH   DFND 2 345 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   1,881,964 22,407 SH   DFND 2 22,407 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   10,505 60 SH   DFND 2 60 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   275,516 1,990 SH   DFND 2 1,990 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   15,084 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104   13,477 165 SH   DFND 2 165 0 0
AUTODESK INC COMMON STOCK 052769106   16,553 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   319,731 1,329 SH   DFND 2 1,329 0 0
BADGER METER INC COMMON STOCK 056525108   14,387 100 SH   DFND 2 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   31,988 750 SH   DFND 2 750 0 0
BAXTER INTL INC COMMON STOCK 071813109   10,567 280 SH   DFND 2 280 0 0
BECTON DICKINSON COMMON STOCK 075887109   49,121 190 SH   DFND 2 190 0 0
BEST BUY CO INC COMMON STOCK 086516101   3,126 45 SH   DFND 2 45 0 0
BLACKSTONE INC COMMON STOCK 09260D107   32,142 300 SH   DFND 2 300 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   95,602 31 SH   DFND 2 31 0 0
BROADCOM INC COMMON STOCK 11135F101   120,434 145 SH   DFND 2 145 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   1,941 20 SH   DFND 2 20 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   8,682 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   44,160 800 SH   DFND 2 800 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   34,313 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   1,319 3 SH   DFND 2 3 0 0
CLOROX COMPANY COMMON STOCK 189054109   65,137 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   45,050 225 SH   DFND 2 225 0 0
CMS ENERGY CORP COMMON STOCK 125896100   6,426 121 SH   DFND 2 121 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   136,346 3,075 SH   DFND 2 3,075 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   88,866 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   3,600 33 SH   DFND 2 33 0 0
CSX CORP COMMON STOCK 126408103   7,749 252 SH   DFND 2 252 0 0
CVS HEALTH CORP COMMON STOCK 126650100   8,448 121 SH   DFND 2 121 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   4,770 100 SH   DFND 2 100 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   12,908 122 SH   DFND 2 122 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   588,081 13,165 SH   DFND 2 13,165 0 0
DOW INC COMMON STOCK 260557103   44,960 872 SH   DFND 2 872 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   102,911 1,166 SH   DFND 2 1,166 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   602,099 7,848 SH   DFND 2 7,848 0 0
EBAY INC COMMON STOCK 278642103   17,636 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   359,806 2,124 SH   DFND 2 2,124 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   22,152 350 SH   DFND 2 350 0 0
EOG RES INC COMMON STOCK 26875P101   18,380 145 SH   DFND 2 145 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   37,145 1,082 SH   DFND 2 1,082 0 0
EXELON CORP COMMON STOCK 30161N101   3,779 100 SH   DFND 2 100 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   26,236 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   182,795 690 SH   DFND 2 690 0 0
FIRST SOLAR INC COMMON STOCK 336433107   3,232 20 SH   DFND 2 20 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   27,378 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   262,632 2,325 SH   DFND 2 2,325 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   130,410 10,500 SH   DFND 2 10,500 0 0
FORTREA HLDGS INC COMMON STOCK 34965K107   3,145 110 SH   DFND 2 110 0 0
GENUINE PARTS CO COMMON STOCK 372460105   30,320 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   93,600 1,249 SH   DFND 2 1,249 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   112,279 347 SH   DFND 2 347 0 0
GRAINGER W W INC COMMON STOCK 384802104   51,888 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330301   8 11 SH   DFND 2 11 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100   9,183 746 SH   DFND 2 746 0 0
IDACORP INC COMMON STOCK 451107106   21,727 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   101,336 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   12,362 194 SH   DFND 2 194 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   37,425 549 SH   DFND 2 549 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   18,137 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   80,535 590 SH   DFND 2 590 0 0
KEYCORP COMMON STOCK 493267108   8,737 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   25,499 211 SH   DFND 2 211 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   7,325 150 SH   DFND 2 150 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   22,116 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   880,356 1,639 SH   DFND 2 1,639 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   155,814 381 SH   DFND 2 381 0 0
MANITOWOC CO INC COMMON STOCK 563571405   3,010 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   6,093 31 SH   DFND 2 31 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   56,241 1,039 SH   DFND 2 1,039 0 0
MATSON INC COMMON STOCK 57686G105   8,872 100 SH   DFND 2 100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   85,549 1,131 SH   DFND 2 1,131 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,757,429 5,854 SH   DFND 2 5,854 0 0
METLIFE INC COMMON STOCK 59156R108   7,927 126 SH   DFND 2 126 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   12,006 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   50,303 950 SH   DFND 2 950 0 0
MORGAN STANLEY COMMON STOCK 617446448   727,925 8,913 SH   DFND 2 8,913 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   11,567 365 SH   DFND 2 365 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   425,092 7,420 SH   DFND 2 7,420 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   81,135 412 SH   DFND 2 412 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   36,096 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401   724 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105   5,472 35 SH   DFND 2 35 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   3,244 50 SH   DFND 2 50 0 0
ORGANON & CO COMMON STOCK 68622V106   52 3 SH   DFND 2 3 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   13,052 85 SH   DFND 2 85 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   12,894 55 SH   DFND 2 55 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   35,228 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,427,871 8,427 SH   DFND 2 8,427 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   343,750 3,713 SH   DFND 2 3,713 0 0
PHILLIPS 66 COMMON STOCK 718546104   17,181 143 SH   DFND 2 143 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   33,212 350 SH   DFND 2 350 0 0
ROKU INC COMMON STOCK 77543R102   7,059 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   50,849 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103   28,125 249 SH   DFND 2 249 0 0
RYDER SYSTEM INC COMMON STOCK 783549108   10,695 100 SH   DFND 2 100 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   40,195 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,812,559 13,870 SH   DFND 2 13,870 0 0
SERVICENOW INC COMMON STOCK 81762P102   1,677 3 SH   DFND 2 3 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   151,500 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,402 50 SH   DFND 2 50 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   4,520 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   25,791 390 SH   DFND 2 390 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   20,166 132 SH   DFND 2 132 0 0
SOLAREDGE TECHNOLOGIES INC COMMON STOCK 83417M104   1,943 15 SH   DFND 2 15 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   39,738 614 SH   DFND 2 614 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   180,167 1,718 SH   DFND 2 1,718 0 0
T-MOBILE US INC COMMON STOCK 872590104   2,241 16 SH   DFND 2 16 0 0
TERADYNE INC COMMON STOCK 880770102   3,516 35 SH   DFND 2 35 0 0
TESLA INC COMMON STOCK 88160R101   127,112 508 SH   DFND 2 508 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   40,054 1,400 SH   DFND 2 1,400 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204   4,967 182 SH   DFND 2 182 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100   5,151 112 SH   DFND 2 112 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   146,674 941 SH   DFND 2 941 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   4,173 12 SH   DFND 2 12 0 0
VIATRIS INC COMMON STOCK 92556V106   385 39 SH   DFND 2 39 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   1,903 1,057 SH   DFND 2 1,057 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   160,606 795 SH   DFND 2 795 0 0
WABTEC CORP COMMON STOCK 929740108   15,941 150 SH   DFND 2 150 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   37,195 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   20,138 250 SH   DFND 2 250 0 0
WELLS FARGO & CO COMMON STOCK 949746101   219,418 5,370 SH   DFND 2 5,370 0 0
WENDY'S CO COMMON STOCK 95058W100   13,675 670 SH   DFND 2 670 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   27,860 500 SH   DFND 2 500 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   65,088 580 SH   DFND 2 580 0 0
ZSCALER INC COMMON STOCK 98980G102   3,112 20 SH   DFND 2 20 0 0
3M CO COMMON STOCK 88579Y101   188,083 2,009 SH   DFND 2 2,009 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102   5,432 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   82,164 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   38,184 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   32,397 197 SH   DFND 2 197 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   13,350 1,500 SH   DFND 2 1,500 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,373 110 SH   DFND 2 110 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   63,572 207 SH   DFND 2 207 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   14,550 1,000 SH   DFND 2 1,000 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   21,325 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   29,859 140 SH   DFND 2 140 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   59,742 1,800 SH   DFND 2 1,800 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   45,097 775 SH   DFND 2 775 0 0
LINDE PLC COMMON STOCK G54950103   6,330 17 SH   DFND 2 17 0 0
LITHIUM AMERICAS CORP COMMON STOCK 53680Q207   1,701 100 SH   DFND 2 100 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   4,314 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   61,278 782 SH   DFND 2 782 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   207 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   14,390 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   8,744 100 SH   DFND 2 100 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   19,645 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903808   10,520 86 SH   DFND 2 86 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   95,452 1,584 SH   DFND 2 1,584 0 0
ABRDN AUSTRALIA EQUITY FUND, I OTHER 003011103   6,320 1,600 SH   DFND 2 1,600 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   14,425 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   284,935 1,770 SH   DFND 2 1,770 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   87,458 1,271 SH   DFND 2 1,271 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   180,870 2,001 SH   DFND 2 2,001 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   475,160 14,325 SH   DFND 2 14,325 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   28,868 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   445,183 3,458 SH   DFND 2 3,458 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   275,449 2,717 SH   DFND 2 2,717 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610   27,038 1,780 SH   DFND 2 1,780 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   38,160 593 SH   DFND 2 593 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   5,153 12 SH   DFND 2 12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   213,013 3,076 SH   DFND 2 3,076 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   24,696 735 SH   DFND 2 735 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   2,521 74 SH   DFND 2 74 0 0
SPDR GOLD TRUST OTHER 78463V107   239,859 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   380,400 6,417 SH   DFND 2 6,417 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   105,149 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   53,600 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   11,416 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   1,988 50 SH   DFND 2 50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   6,083,468 14,231 SH   DFND 2 14,231 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   867,681 5,293 SH   DFND 2 5,293 0 0
VANECK BIOTECH ETF OTHER 92189F726   38,933 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   33,960 1,262 SH   DFND 2 1,262 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   26,950 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858   47,170 1,203 SH   DFND 2 1,203 0 0
VANGUARD GROWTH ETF OTHER 922908736   151,404 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504   12,225 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   43,150 104 SH   DFND 2 104 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   268,593 3,550 SH   DFND 2 3,550 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   120,159 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   6,024,955 64,068 SH   DFND 2 64,068 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   455,909 19,180 SH   DFND 2 19,180 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   9,917,992 391,088 SH   DFND 2 391,088 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   256,951 10,002 SH   DFND 2 10,002 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   254,526 10,259 SH   DFND 2 10,259 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   141,591 5,907 SH   DFND 2 5,907 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150   127,183 5,380 SH   DFND 2 5,380 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   2,105,118 42,246 SH   DFND 2 42,246 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   8,291,750 110,336 SH   DFND 2 110,336 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,149,695 16,476 SH   DFND 2 16,476 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318   259,232 10,156 SH   DFND 2 10,156 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   255,141 9,783 SH   DFND 2 9,783 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   252,805 10,327 SH   DFND 2 10,327 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,104,971 10,776 SH   DFND 2 10,776 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,278,866 83,850 SH   DFND 2 83,850 0 0
PLUG POWER INC COMMON STOCK 72919P202   5,328 701 SH   DFND 2 701 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   11,080,238 112,524 SH   DFND 2 112,524 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   302 20 SH   DFND 2 20 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,215,521 3,427 SH   DFND 2 3,427 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   320,697 1,276 SH   DFND 2 1,276 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,426,579 4,794 SH   DFND 2 4,794 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,435,543 4,311 SH   DFND 2 4,311 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   22,707,209 978,759 SH   DFND 2 978,759 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,490,699 4,940 SH   DFND 2 4,940 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   703,726 5,683 SH   DFND 2 5,683 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,161,107 9,024 SH   DFND 2 9,024 0 0
NETFLIX INC COMMON STOCK 64110L106   1,238,150 3,279 SH   DFND 2 3,279 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,079,595 7,894 SH   DFND 2 7,894 0 0
WALMART INC COMMON STOCK 931142103   1,583,467 9,901 SH   DFND 2 9,901 0 0
ADOBE INC COMMON STOCK 00724F101   3,454,063 6,774 SH   DFND 2 6,774 0 0
DANAHER CORP COMMON STOCK 235851102   1,723,551 6,947 SH   DFND 2 6,947 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,494,956 3,776 SH   DFND 2 3,776 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   138,458 1,448 SH   DFND 2 1,448 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,268,414 8,301 SH   DFND 2 8,301 0 0
CUMMINS INC COMMON STOCK 231021106   1,415,995 6,198 SH   DFND 2 6,198 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   58,514 860 SH   DFND 2 860 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   98,907 349 SH   DFND 2 349 0 0
DEERE & CO COMMON STOCK 244199105   221,522 587 SH   DFND 2 587 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   28,027,462 78,230 SH   DFND 2 78,230 0 0
LOWES COS INC COMMON STOCK 548661107   957,519 4,607 SH   DFND 2 4,607 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,447,948 11,411 SH   DFND 2 11,411 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,181,595 11,809 SH   DFND 2 11,809 0 0
SYSCO CORP COMMON STOCK 871829107   792,006 11,991 SH   DFND 2 11,991 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,451,009 8,885 SH   DFND 2 8,885 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   809,590 8,549 SH   DFND 2 8,549 0 0
TARGET CORP COMMON STOCK 87612E106   29,964 271 SH   DFND 2 271 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   1,618 149 SH   DFND 2 149 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,624,967 13,564 SH   DFND 2 13,564 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,081,047 19,782 SH   DFND 2 19,782 0 0
NVIDIA CORP COMMON STOCK 67066G104   4,556,955 10,476 SH   DFND 2 10,476 0 0
UNION PAC CORP COMMON STOCK 907818108   1,723,117 8,462 SH   DFND 2 8,462 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   675,279 11,459 SH   DFND 2 11,459 0 0
AMGEN INC COMMON STOCK 031162100   1,263,172 4,700 SH   DFND 2 4,700 0 0
BOEING CO COMMON STOCK 097023105   59,421 310 SH   DFND 2 310 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   281,543 4,816 SH   DFND 2 4,816 0 0
DOLLAR TREE INC COMMON STOCK 256746108   1,442,930 13,555 SH   DFND 2 13,555 0 0
VISA INC CL A COMMON STOCK 92826C839   3,000,480 13,045 SH   DFND 2 13,045 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,508,276 12,072 SH   DFND 2 12,072 0 0
ABBOTT LABS COMMON STOCK 002824100   1,965,668 20,296 SH   DFND 2 20,296 0 0
US BANCORP NEW COMMON STOCK 902973304   470,874 14,243 SH   DFND 2 14,243 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,029,168 25,036 SH   DFND 2 25,036 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   712,524 4,481 SH   DFND 2 4,481 0 0
ANGIODYNAMICS INC COMMON STOCK 03475V101   1,462 200 SH   DFND 2 200 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,170,391 6,941 SH   DFND 2 6,941 0 0
MODERNA INC COMMON STOCK 60770K107   25,823 250 SH   DFND 2 250 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   21,041 262 SH   DFND 2 262 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   42,958,766 172,283 SH   DFND 2 172,283 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,444,987 15,832 SH   DFND 2 15,832 0 0
MICROSOFT CORP COMMON STOCK 594918104   9,555,542 30,263 SH   DFND 2 30,263 0 0
MASCO CORP COMMON STOCK 574599106   1,214,544 22,723 SH   DFND 2 22,723 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,086,818 13,836 SH   DFND 2 13,836 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,515,191 6,857 SH   DFND 2 6,857 0 0
QUALCOMM INC COMMON STOCK 747525103   1,851,703 16,673 SH   DFND 2 16,673 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   83,093 1,114 SH   DFND 2 1,114 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,272,998 8,326 SH   DFND 2 8,326 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   289,309 2,617 SH   DFND 2 2,617 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,588,286 17,745 SH   DFND 2 17,745 0 0
VANGUARD S&P 500 ETF OTHER 922908363   75,423,140 192,063 SH   DFND 2 192,063 0 0
EVANS BANCORP INC COMMON STOCK 29911Q208   8,040 300 SH   DFND 2 300 0 0
RTX CORPORATION COMMON STOCK 75513E101   167,618 2,329 SH   DFND 2 2,329 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   26,455 540 SH   DFND 2 540 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,281,375 20,736 SH   DFND 2 20,736 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   203,232 2,858 SH   DFND 2 2,858 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   245,525 1,750 SH   DFND 2 1,750 0 0
TJX COS INC COMMON STOCK 872540109   1,950,916 21,950 SH   DFND 2 21,950 0 0
PAYCHEX INC COMMON STOCK 704326107   1,350,860 11,713 SH   DFND 2 11,713 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   269,781 8,324 SH   DFND 2 8,324 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   6,903,781 52,757 SH   DFND 2 52,757 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,844,713 13,991 SH   DFND 2 13,991 0 0
EMERSON ELEC CO COMMON STOCK 291011104   195,651 2,026 SH   DFND 2 2,026 0 0
MERCK & CO INC COMMON STOCK 58933Y105   530,501 5,153 SH   DFND 2 5,153 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   3,763,126 35,528 SH   DFND 2 35,528 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   11,538,942 61,030 SH   DFND 2 61,030 0 0
PFIZER INC COMMON STOCK 717081103   1,595,112 48,089 SH   DFND 2 48,089 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,238,587 22,332 SH   DFND 2 22,332 0 0
CORTEVA INC COMMON STOCK 22052L104   25,580 500 SH   DFND 2 500 0 0
KELLOGG CO COMMON STOCK 487836108   35,706 600 SH   DFND 2 600 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   20,979 775 SH   DFND 2 775 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   53,869 924 SH   DFND 2 924 0 0
ISHARES SILVER TRUST OTHER 46428Q109   97,327 4,785 SH   DFND 2 4,785 0 0
AMAZON.COM INC COMMON STOCK 023135106   4,702,677 36,994 SH   DFND 2 36,994 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,509,312 44,800 SH   DFND 2 44,800 0 0
GENERAL MLS INC COMMON STOCK 370334104   201,505 3,149 SH   DFND 2 3,149 0 0
COCA COLA CO COMMON STOCK 191216100   1,587,201 28,353 SH   DFND 2 28,353 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109   24,648 600 SH   DFND 2 600 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   26,448 800 SH   DFND 2 800 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   20,184 600 SH   DFND 2 600 0 0
CITIGROUP INC COMMON STOCK 172967424   35,002 851 SH   DFND 2 851 0 0
APPLE INC COMMON STOCK 037833100   10,667,581 62,307 SH   DFND 2 62,307 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   3,032,859 25,794 SH   DFND 2 25,794 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,704,268 62,245 SH   DFND 2 62,245 0 0
AT&T INC COMMON STOCK 00206R102   303,554 20,210 SH   DFND 2 20,210 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   2,043,066 35,201 SH   DFND 2 35,201 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   43,632,436 462,551 SH   DFND 2 462,551 0 0
FLUSHING FINANCIAL CORP COMMON STOCK 343873105   13,130 1,000 SH   DFND 2 1,000 0 0
VANGUARD MID-CAP ETF OTHER 922908629   25,274,297 121,371 SH   DFND 2 121,371 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   3,032,924 56,416 SH   DFND 2 56,416 0 0
INTEL CORP COMMON STOCK 458140100   386,215 10,864 SH   DFND 2 10,864 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   25,051,775 429,852 SH   DFND 2 429,852 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   43,216,137 1,047,410 SH   DFND 2 1,047,410 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   10,065,679 407,023 SH   DFND 2 407,023 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   9,936,575 407,738 SH   DFND 2 407,738 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   9,909,275 412,371 SH   DFND 2 412,371 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   9,764,299 415,856 SH   DFND 2 415,856 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   10,134,554 434,307 SH   DFND 2 434,307 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   9,801,826 423,588 SH   DFND 2 423,588 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   9,907,494 452,397 SH   DFND 2 452,397 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   9,851,386 483,385 SH   DFND 2 483,385 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   9,902,614 510,839 SH   DFND 2 510,839 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   28,344,053 1,665,338 SH   DFND 2 1,665,338 0 0
ABBOTT LABS COMMON STOCK 002824100   70,894 732 SH   OTR 2 0 732 0
ABBVIE INC COMMON STOCK 00287Y109   215,392 1,445 SH   OTR 2 0 1,445 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   18,726 200 SH   OTR 2 0 200 0
ADOBE INC COMMON STOCK 00724F101   124,926 245 SH   OTR 2 0 245 0
ALPHABET INC CL A COMMON STOCK 02079K305   749,174 5,725 SH   OTR 2 0 5,725 0
ALPHABET INC CL C COMMON STOCK 02079K107   144,376 1,095 SH   OTR 2 0 1,095 0
ALTRIA GROUP INC COMMON STOCK 02209S103   6,308 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106   302,546 2,380 SH   OTR 2 0 2,380 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   149,190 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   35,292 285 SH   OTR 2 0 285 0
AMGEN INC COMMON STOCK 031162100   67,190 250 SH   OTR 2 0 250 0
AMPHENOL CORP CL A COMMON STOCK 032095101   28,389 338 SH   OTR 2 0 338 0
APPLE INC COMMON STOCK 037833100   1,440,903 8,416 SH   OTR 2 0 8,416 0
AT&T INC COMMON STOCK 00206R102   31,332 2,086 SH   OTR 2 0 2,086 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   649,566 2,700 SH   OTR 2 0 2,700 0
BANK OF AMERICA CORP COMMON STOCK 060505104   112,806 4,120 SH   OTR 2 0 4,120 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   25,590 600 SH   OTR 2 0 600 0
BAXTER INTL INC COMMON STOCK 071813109   63,215 1,675 SH   OTR 2 0 1,675 0
BECTON DICKINSON COMMON STOCK 075887109   37,487 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   346,797 990 SH   OTR 2 0 990 0
BLACKROCK INC CL A COMMON STOCK 09247X101   145,460 225 SH   OTR 2 0 225 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   119,620 2,061 SH   OTR 2 0 2,061 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   17,364 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   263,304 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101   298,935 1,095 SH   OTR 2 0 1,095 0
CHEVRON CORPORATION COMMON STOCK 166764100   357,980 2,123 SH   OTR 2 0 2,123 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   86,285 1,605 SH   OTR 2 0 1,605 0
CLOROX COMPANY COMMON STOCK 189054109   13,106 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   102,443 1,830 SH   OTR 2 0 1,830 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   405,327 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101   13,302 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104   144,479 1,206 SH   OTR 2 0 1,206 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   160,600 639 SH   OTR 2 0 639 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   31,073 55 SH   OTR 2 0 55 0
CUMMINS INC COMMON STOCK 231021106   42,265 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100   27,230 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   32,005 129 SH   OTR 2 0 129 0
DISNEY WALT CO NEW COMMON STOCK 254687106   139,163 1,717 SH   OTR 2 0 1,717 0
DOLLAR TREE INC COMMON STOCK 256746108   18,629 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109   23,452 525 SH   OTR 2 0 525 0
DOW INC COMMON STOCK 260557103   1,701 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   28,295 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   36,804 417 SH   OTR 2 0 417 0
ECOLAB INC COMMON STOCK 278865100   169,400 1,000 SH   OTR 2 0 1,000 0
EMBECTA CORP COMMON STOCK 29082K105   436 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   262,670 2,720 SH   OTR 2 0 2,720 0
EOG RES INC COMMON STOCK 26875P101   4,437 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   941,816 8,010 SH   OTR 2 0 8,010 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   44,194 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103   8,243 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   8,089 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   481,945 1,595 SH   OTR 2 0 1,595 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   135,784 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100   100,962 2,840 SH   OTR 2 0 2,840 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   90,767 825 SH   OTR 2 0 825 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   557,412 3,973 SH   OTR 2 0 3,973 0
INTUIT INC COMMON STOCK 461202103   383,205 750 SH   OTR 2 0 750 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   62,790 460 SH   OTR 2 0 460 0
JOHNSON & JOHNSON COMMON STOCK 478160104   941,353 6,044 SH   OTR 2 0 6,044 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   964,383 6,650 SH   OTR 2 0 6,650 0
KELLOGG CO COMMON STOCK 487836108   53,559 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,110 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108   872,836 1,625 SH   OTR 2 0 1,625 0
LOWES COS INC COMMON STOCK 548661107   178,742 860 SH   OTR 2 0 860 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   38,974 720 SH   OTR 2 0 720 0
MASCO CORP COMMON STOCK 574599106   25,122 470 SH   OTR 2 0 470 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   35,632 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   114,596 435 SH   OTR 2 0 435 0
MERCK & CO INC COMMON STOCK 58933Y105   324,807 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   107,775 359 SH   OTR 2 0 359 0
METLIFE INC COMMON STOCK 59156R108   14,784 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104   1,732,205 5,486 SH   OTR 2 0 5,486 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   14,366 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448   163,340 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   88,736 235 SH   OTR 2 0 235 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   129,475 2,260 SH   OTR 2 0 2,260 0
NIKE INC-CLASS B COMMON STOCK 654106103   219,926 2,300 SH   OTR 2 0 2,300 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   83,695 425 SH   OTR 2 0 425 0
NVIDIA CORP COMMON STOCK 67066G104   603,331 1,387 SH   OTR 2 0 1,387 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   36,657 565 SH   OTR 2 0 565 0
ORACLE CORPORATION COMMON STOCK 68389X105   605,862 5,720 SH   OTR 2 0 5,720 0
ORGANON & CO COMMON STOCK 68622V106   243 14 SH   OTR 2 0 14 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   169,374 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   10,010 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   134,359 1,165 SH   OTR 2 0 1,165 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   24,962 427 SH   OTR 2 0 427 0
PEPSICO INC COMMON STOCK 713448108   543,394 3,207 SH   OTR 2 0 3,207 0
PFIZER INC COMMON STOCK 717081103   374,987 11,305 SH   OTR 2 0 11,305 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   9,258 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104   3,845 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   489,360 3,355 SH   OTR 2 0 3,355 0
QUALCOMM INC COMMON STOCK 747525103   24,433 220 SH   OTR 2 0 220 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   60,930 500 SH   OTR 2 0 500 0
RTX CORPORATION COMMON STOCK 75513E101   387,199 5,380 SH   OTR 2 0 5,380 0
RUMBLE INC CL A COMMON STOCK 78137L105   5,100 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   183,921 907 SH   OTR 2 0 907 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   36,970 242 SH   OTR 2 0 242 0
SOUTHERN COMPANY COMMON STOCK 842587107   19,416 300 SH   OTR 2 0 300 0
STARBUCKS CORP COMMON STOCK 855244109   183,453 2,010 SH   OTR 2 0 2,010 0
STRYKER CORPORATION COMMON STOCK 863667101   334,756 1,225 SH   OTR 2 0 1,225 0
SYSCO CORP COMMON STOCK 871829107   19,815 300 SH   OTR 2 0 300 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   104,870 1,000 SH   OTR 2 0 1,000 0
TESLA INC COMMON STOCK 88160R101   54,548 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   167,036 330 SH   OTR 2 0 330 0
TJX COS INC COMMON STOCK 872540109   186,204 2,095 SH   OTR 2 0 2,095 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   19,597 120 SH   OTR 2 0 120 0
UNION PAC CORP COMMON STOCK 907818108   100,797 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   85,729 550 SH   OTR 2 0 550 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   173,946 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304   70,253 2,125 SH   OTR 2 0 2,125 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   89,678 2,767 SH   OTR 2 0 2,767 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   104,322 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106   10,708 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   336,965 1,465 SH   OTR 2 0 1,465 0
WALMART INC COMMON STOCK 931142103   103,155 645 SH   OTR 2 0 645 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   3,714 342 SH   OTR 2 0 342 0
WELLS FARGO & CO COMMON STOCK 949746101   37,796 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100   60,810 1,805 SH   OTR 2 0 1,805 0
YUM! BRANDS INC COMMON STOCK 988498101   16,867 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   16,833 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   167,112 1,785 SH   OTR 2 0 1,785 0
EATON CORP PLC COMMON STOCK G29183103   106,640 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G54950103   102,396 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   12,311 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   23,508 300 SH   OTR 2 0 300 0
SCHLUMBERGER LTD COMMON STOCK 806857108   13,118 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509   125,582 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   401,944 6,130 SH   OTR 2 0 6,130 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   517,229 3,213 SH   OTR 2 0 3,213 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   340,816 4,953 SH   OTR 2 0 4,953 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   229,500 2,539 SH   OTR 2 0 2,539 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   603,628 18,198 SH   OTR 2 0 18,198 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   710,001 5,515 SH   OTR 2 0 5,515 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   424,985 4,192 SH   OTR 2 0 4,192 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   121,095 338 SH   OTR 2 0 338 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   741,788 12,728 SH   OTR 2 0 12,728 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   273,038 1,095 SH   OTR 2 0 1,095 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   951,884 10,091 SH   OTR 2 0 10,091 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182   2,921 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   15,028 396 SH   OTR 2 0 396 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   273,118 3,477 SH   OTR 2 0 3,477 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   113,795 2,758 SH   OTR 2 0 2,758 0
SPDR S&P BIOTECH ETF OTHER 78464A870   7,302 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540   4,965 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   145,343 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,466,190 8,944 SH   OTR 2 0 8,944 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   141,609 2,403 SH   OTR 2 0 2,403 0
VANGUARD MID-CAP ETF OTHER 922908629   2,799,370 13,443 SH   OTR 2 0 13,443 0
VANGUARD REAL ESTATE ETF OTHER 922908553   163,804 2,165 SH   OTR 2 0 2,165 0
VANGUARD S&P 500 ETF OTHER 922908363   959,759 2,444 SH   OTR 2 0 2,444 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,142,172 6,041 SH   OTR 2 0 6,041 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,455 1,500 SH   OTR 2 0 1,500 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   150,233 5,924 SH   OTR 2 0 5,924 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   269,310 10,890 SH   OTR 2 0 10,890 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   220,183 9,035 SH   OTR 2 0 9,035 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   218,999 9,385 SH   OTR 2 0 9,385 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   216,868 9,372 SH   OTR 2 0 9,372 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   216,054 8,991 SH   OTR 2 0 8,991 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   262,274 11,976 SH   OTR 2 0 11,976 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   260,640 12,789 SH   OTR 2 0 12,789 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   297,385 15,341 SH   OTR 2 0 15,341 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   203,149 8,652 SH   OTR 2 0 8,652 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   470,658 20,287 SH   OTR 2 0 20,287 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   110,872 2,225 SH   OTR 2 0 2,225 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   18,118 184 SH   OTR 2 0 184 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   479,232 6,377 SH   OTR 2 0 6,377 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   115,277 1,652 SH   OTR 2 0 1,652 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   64,088 625 SH   OTR 2 0 625 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   380,533 22,358 SH   OTR 2 0 22,358 0
ABBOTT LABS COMMON STOCK 002824100   13,172 136 SH   OTR   0 136 0
ABBOTT LABS COMMON STOCK 002824100   86,778 896 SH   SOLE   896 0 0
ABBVIE INC COMMON STOCK 00287Y109   20,272 136 SH   OTR   0 136 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   16,891 55 SH   SOLE   55 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   76,777 820 SH   SOLE   820 0 0
ADOBE INC COMMON STOCK 00724F101   188,153 369 SH   SOLE   369 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   228,220 1,744 SH   SOLE   1,744 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   106,139 805 SH   SOLE   805 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   18,923 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106   271,020 2,132 SH   SOLE   2,132 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   30,136 202 SH   OTR   0 202 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   8,951 60 SH   SOLE   60 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   33,806 273 SH   SOLE   273 0 0
AMGEN INC COMMON STOCK 031162100   26,876 100 SH   OTR   0 100 0
AMGEN INC COMMON STOCK 031162100   27,951 104 SH   SOLE   104 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   67,612 805 SH   SOLE   805 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   20,486 117 SH   OTR   0 117 0
ANALOG DEVICES INC COMMON STOCK 032654105   24,513 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100   47,939 280 SH   OTR   0 280 0
APPLE INC COMMON STOCK 037833100   1,247,094 7,284 SH   SOLE   7,284 0 0
ARCHROCK INC COMMON STOCK 03957W106   6,300 500 SH   SOLE   500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   338,562 19,892 SH   SOLE   19,892 0 0
AT&T INC COMMON STOCK 00206R102   3,004 200 SH   OTR   0 200 0
AT&T INC COMMON STOCK 00206R102   37,775 2,515 SH   SOLE   2,515 0 0
AUTODESK INC COMMON STOCK 052769106   20,691 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   37,530 156 SH   SOLE   156 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   75,706 2,765 SH   SOLE   2,765 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   155,884 445 SH   SOLE   445 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   108,610 168 SH   SOLE   168 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   9,252 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   9,751 168 SH   OTR   0 168 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   112,714 1,942 SH   SOLE   1,942 0 0
CATERPILLAR INC COMMON STOCK 149123101   95,550 350 SH   SOLE   350 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   21,583 128 SH   OTR   0 128 0
CHEVRON CORPORATION COMMON STOCK 166764100   45,865 272 SH   SOLE   272 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   14,408 268 SH   OTR   0 268 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   152,625 2,839 SH   SOLE   2,839 0 0
COCA COLA CO COMMON STOCK 191216100   113,919 2,035 SH   SOLE   2,035 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   9,529 134 SH   OTR   0 134 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   14,222 200 SH   SOLE   200 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   45,899 700 SH   SOLE   700 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   66,489 555 SH   SOLE   555 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   80,490 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   32,341 470 SH   SOLE   470 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   42,977 171 SH   SOLE   171 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   136,155 241 SH   SOLE   241 0 0
CROWN CASTLE INC REIT COMMON STOCK 22822V101   6,902 75 SH   SOLE   75 0 0
CUMMINS INC COMMON STOCK 231021106   58,257 255 SH   SOLE   255 0 0
DANAHER CORP COMMON STOCK 235851102   17,119 69 SH   OTR   0 69 0
DANAHER CORP COMMON STOCK 235851102   88,820 358 SH   SOLE   358 0 0
DEERE & CO COMMON STOCK 244199105   22,643 60 SH   SOLE   60 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   2,274 33 SH   SOLE   33 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   8,144 75 SH   SOLE   75 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   10,861 134 SH   OTR   0 134 0
DISNEY WALT CO NEW COMMON STOCK 254687106   101,231 1,249 SH   SOLE   1,249 0 0
DOLLAR TREE INC COMMON STOCK 256746108   40,983 385 SH   SOLE   385 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   6,075 136 SH   OTR   0 136 0
DOMINION ENERGY INC COMMON STOCK 25746U109   13,088 293 SH   SOLE   293 0 0
DOW INC COMMON STOCK 260557103   2,269 44 SH   OTR   0 44 0
DOW INC COMMON STOCK 260557103   2,320 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,282 44 SH   OTR   0 44 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,357 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   18,873 246 SH   SOLE   246 0 0
ECOLAB INC COMMON STOCK 278865100   5,082 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   19,594 45 SH   SOLE   45 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   31,094 344 SH   SOLE   344 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   17,402 148 SH   OTR   0 148 0
EXXON MOBIL CORP COMMON STOCK 30231G102   155,323 1,321 SH   SOLE   1,321 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   23,843 90 SH   SOLE   90 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   15,309 225 SH   SOLE   225 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   71,815 325 SH   SOLE   325 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   74,621 675 SH   SOLE   675 0 0
GENERAL MLS INC COMMON STOCK 370334104   4,351 68 SH   OTR   0 68 0
GENERAL MLS INC COMMON STOCK 370334104   19,197 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   25,886 80 SH   SOLE   80 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   102,992 800 SH   SOLE   800 0 0
HOME DEPOT INC COMMON STOCK 437076102   20,547 68 SH   OTR   0 68 0
HOME DEPOT INC COMMON STOCK 437076102   183,109 606 SH   SOLE   606 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   119,712 648 SH   SOLE   648 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   24,873 108 SH   SOLE   108 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   66,911 660 SH   SOLE   660 0 0
INTEL CORP COMMON STOCK 458140100   9,599 270 SH   OTR   0 270 0
INTEL CORP COMMON STOCK 458140100   20,370 573 SH   SOLE   573 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   108,700 988 SH   SOLE   988 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   2,250 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   9,540 68 SH   OTR   0 68 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   27,078 193 SH   SOLE   193 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   2,584,560 7,214 SH   SOLE   7,214 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   799,872 8,123 SH   SOLE   8,123 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   27,905 560 SH   SOLE   560 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   29,090 328 SH   SOLE   328 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,595 242 SH   SOLE   242 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,663,078 28,536 SH   SOLE   28,536 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   5,583 13 SH   SOLE   13 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   3,537,778 14,188 SH   SOLE   14,188 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   3,684,718 39,062 SH   SOLE   39,062 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   25,861 275 SH   SOLE   275 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   1,898,201 81,819 SH   SOLE   81,819 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   941,338 37,119 SH   SOLE   37,119 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   988,334 39,965 SH   SOLE   39,965 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   994,247 40,798 SH   SOLE   40,798 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   994,794 42,631 SH   SOLE   42,631 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   1,037,713 44,845 SH   SOLE   44,845 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   1,032,713 42,976 SH   SOLE   42,976 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   1,034,600 47,242 SH   SOLE   47,242 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   934,484 45,853 SH   SOLE   45,853 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   999,936 51,583 SH   SOLE   51,583 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   851,150 36,250 SH   SOLE   36,250 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   38,040 1,587 SH   SOLE   1,587 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   48,530 951 SH   SOLE   951 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   60,622 343 SH   SOLE   343 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   126,797 1,831 SH   SOLE   1,831 0 0
ISHARES SILVER TRUST OTHER 46428Q109   4,678 230 SH   SOLE   230 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   5,460 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   15,887 102 SH   OTR   0 102 0
JOHNSON & JOHNSON COMMON STOCK 478160104   148,741 955 SH   SOLE   955 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   173,444 1,196 SH   SOLE   1,196 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,043 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   829 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,682 50 SH   SOLE   50 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   211 14 SH   OTR   0 14 0
LILLY ELI & CO COMMON STOCK 532457108   45,656 85 SH   SOLE   85 0 0
LOWES COS INC COMMON STOCK 548661107   41,360 199 SH   SOLE   199 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   38,543 407 SH   SOLE   407 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   6,290 32 SH   OTR   0 32 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   14,742 75 SH   SOLE   75 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   9,960 184 SH   SOLE   184 0 0
MASCO CORP COMMON STOCK 574599106   64,087 1,199 SH   SOLE   1,199 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   110,459 279 SH   SOLE   279 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   96,381 1,227 SH   SOLE   1,227 0 0
MCDONALDS CORP COMMON STOCK 580135101   17,914 68 SH   OTR   0 68 0
MCDONALDS CORP COMMON STOCK 580135101   96,682 367 SH   SOLE   367 0 0
MERCK & CO INC COMMON STOCK 58933Y105   72,580 705 SH   SOLE   705 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   89,463 298 SH   SOLE   298 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   26,147 335 SH   SOLE   335 0 0
MICROSOFT CORP COMMON STOCK 594918104   84,621 268 SH   OTR   0 268 0
MICROSOFT CORP COMMON STOCK 594918104   461,942 1,463 SH   SOLE   1,463 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   20,820 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448   11,842 145 SH   SOLE   145 0 0
NASDAQ INC COMMON STOCK 631103108   12,148 250 SH   SOLE   250 0 0
NETFLIX INC COMMON STOCK 64110L106   91,002 241 SH   SOLE   241 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   20,624 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   24,957 261 SH   SOLE   261 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   54,145 1,555 SH   SOLE   1,555 0 0
NVIDIA CORP COMMON STOCK 67066G104   237,070 545 SH   SOLE   545 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   21,396 202 SH   OTR   0 202 0
ORACLE CORPORATION COMMON STOCK 68389X105   197,117 1,861 SH   SOLE   1,861 0 0
PAYCHEX INC COMMON STOCK 704326107   71,851 623 SH   SOLE   623 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   22,799 390 SH   SOLE   390 0 0
PEPSICO INC COMMON STOCK 713448108   17,283 102 SH   OTR   0 102 0
PEPSICO INC COMMON STOCK 713448108   26,263 155 SH   SOLE   155 0 0
PFIZER INC COMMON STOCK 717081103   90,189 2,719 SH   SOLE   2,719 0 0
PINTEREST INC CL A COMMON STOCK 72352L106   2,703 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   14,586 100 SH   OTR   0 100 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   114,938 788 SH   SOLE   788 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   11,861 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   81,851 737 SH   SOLE   737 0 0
RTX CORPORATION COMMON STOCK 75513E101   17,633 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   168,916 833 SH   SOLE   833 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   31,191 535 SH   SOLE   535 0 0
SEAGEN INC COMMON STOCK 81181C104   110,318 520 SH   SOLE   520 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   2,707 100 SH   SOLE   100 0 0
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109   6,450 1,000 SH   SOLE   1,000 0 0
SPDR GOLD TRUST OTHER 78463V107   69,094 403 SH   SOLE   403 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   3,769,802 91,367 SH   SOLE   91,367 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   70,534 165 SH   SOLE   165 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   2,921 40 SH   SOLE   40 0 0
STARBUCKS CORP COMMON STOCK 855244109   60,147 659 SH   SOLE   659 0 0
STRYKER CORPORATION COMMON STOCK 863667101   146,746 537 SH   SOLE   537 0 0
SYSCO CORP COMMON STOCK 871829107   30,251 458 SH   SOLE   458 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   17,618 168 SH   OTR   0 168 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   9,648 92 SH   SOLE   92 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   163,930 1,000 SH   SOLE   1,000 0 0
TESLA INC COMMON STOCK 88160R101   12,511 50 SH   SOLE   50 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   7,951 50 SH   SOLE   50 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   109,839 217 SH   SOLE   217 0 0
TJX COS INC COMMON STOCK 872540109   23,820 268 SH   OTR   0 268 0
TJX COS INC COMMON STOCK 872540109   85,947 967 SH   SOLE   967 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   60,098 368 SH   SOLE   368 0 0
UNION PAC CORP COMMON STOCK 907818108   101,815 500 SH   SOLE   500 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   9,508 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   111,930 222 SH   SOLE   222 0 0
US BANCORP NEW COMMON STOCK 902973304   28,167 852 SH   SOLE   852 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   54,746 929 SH   SOLE   929 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   4,090 152 SH   SOLE   152 0 0
VANGUARD ENERGY ETF OTHER 92204A306   19,011 150 SH   SOLE   150 0 0
VANGUARD MID-CAP ETF OTHER 922908629   61,847 297 SH   OTR   0 297 0
VANGUARD MID-CAP ETF OTHER 922908629   1,073,894 5,157 SH   SOLE   5,157 0 0
VANGUARD S&P 500 ETF OTHER 922908363   7,827,689 19,933 SH   SOLE   19,933 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   355,610 4,732 SH   SOLE   4,732 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   20,041 106 SH   OTR   0 106 0
VANGUARD SMALL-CAP ETF OTHER 922908751   423,895 2,242 SH   SOLE   2,242 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   17,096 245 SH   SOLE   245 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   55,551 1,714 SH   SOLE   1,714 0 0
VISA INC CL A COMMON STOCK 92826C839   11,040 48 SH   OTR   0 48 0
VISA INC CL A COMMON STOCK 92826C839   205,629 894 SH   SOLE   894 0 0
VMWARE INC CL A COMMON STOCK 928563402   2,331 14 SH   SOLE   14 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   171 18 SH   SOLE   18 0 0
WALMART INC COMMON STOCK 931142103   59,334 371 SH   SOLE   371 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   521 48 SH   OTR   0 48 0
WELLS FARGO & CO COMMON STOCK 949746101   16,426 402 SH   OTR   0 402 0
WELLS FARGO & CO COMMON STOCK 949746101   3,065 75 SH   SOLE   75 0 0
WILLIAMS COS INC COMMON STOCK 969457100   93,220 2,767 SH   SOLE   2,767 0 0
YUM! BRANDS INC COMMON STOCK 988498101   64,344 515 SH   SOLE   515 0 0
ABBOTT LABS COMMON STOCK 002824100   1,937,000 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,638,525 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101   3,059,400 6,000 SH   DFND 3 6,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   765,180 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   4,161,348 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,826,312 30,100 SH   DFND 3 30,100 0 0
AMGEN INC COMMON STOCK 031162100   1,531,932 5,700 SH   DFND 3 5,700 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,939,650 35,000 SH   DFND 3 35,000 0 0
APPLE INC COMMON STOCK 037833100   8,817,315 51,500 SH   DFND 3 51,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,902,910 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   1,786,530 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,165,742 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   659,940 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,719,900 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,112,892 6,600 SH   DFND 3 6,600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,653,120 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,172,292 2,075 SH   DFND 3 2,075 0 0
DANAHER CORP COMMON STOCK 235851102   1,240,500 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   1,049,598 12,950 SH   DFND 3 12,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108   436,445 4,100 SH   DFND 3 4,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   357,360 8,000 SH   DFND 3 8,000 0 0
ECOLAB INC COMMON STOCK 278865100   660,660 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   964,156 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   841,282 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   2,779,872 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,662,660 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   911,196 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   1,980,360 18,000 SH   DFND 3 18,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,479,625 9,500 SH   DFND 3 9,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,284,065 15,750 SH   DFND 3 15,750 0 0
LILLY ELI & CO COMMON STOCK 532457108   1,289,112 2,400 SH   DFND 3 2,400 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,082,600 20,000 SH   DFND 3 20,000 0 0
MASCO CORP COMMON STOCK 574599106   1,763,850 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   684,944 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,651,155 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   8,146,350 25,800 SH   DFND 3 25,800 0 0
MORGAN STANLEY COMMON STOCK 617446448   922,871 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,132,800 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   315,095 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   812,770 8,500 SH   DFND 3 8,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   3,797,463 8,730 SH   DFND 3 8,730 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   2,012,480 19,000 SH   DFND 3 19,000 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   375,104 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC COMMON STOCK 713448108   2,236,608 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103   713,155 21,500 SH   DFND 3 21,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,987,343 13,625 SH   DFND 3 13,625 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,230,580 11,000 SH   DFND 3 11,000 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   701,388 2,750 SH   DFND 3 2,750 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   381,925 2,500 SH   DFND 3 2,500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   592,188 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,776,255 6,500 SH   DFND 3 6,500 0 0
SYSCO CORP COMMON STOCK 871829107   495,375 7,500 SH   DFND 3 7,500 0 0
TERADYNE INC COMMON STOCK 880770102   502,300 5,000 SH   DFND 3 5,000 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,328,382 4,600 SH   DFND 3 4,600 0 0
TJX COS INC COMMON STOCK 872540109   2,048,684 23,050 SH   DFND 3 23,050 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   342,914 2,200 SH   DFND 3 2,200 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   3,075,559 6,100 SH   DFND 3 6,100 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   521,610 1,500 SH   DFND 3 1,500 0 0
VISA INC CL A COMMON STOCK 92826C839   2,645,115 11,500 SH   DFND 3 11,500 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   222,222 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   2,143,062 13,400 SH   DFND 3 13,400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,219,520 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,158,936 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   386,458 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,331,220 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   500,688 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   189,400 2,000 SH   DFND 3 2,000 0 0