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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100 3,430 103,339 SH   SOLE   100,385 100 2,854
ABBOTT LABS COMMON STOCK 002824100 651 19,604 SH   OTR   16,634 1,995 975
ABBVIE INC COMMON STOCK 00287Y109 3,811 85,190 SH   SOLE   80,636 100 4,454
ABBVIE INC COMMON STOCK 00287Y109 839 18,759 SH   OTR   16,064 1,995 700
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1,567 14,704 SH   SOLE   14,504 0 200
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 267 2,505 SH   OTR   2,505 0 0
ALCOA INC COMMON STOCK 013817101 109 13,401 SH   SOLE   12,060 0 1,341
ALCOA INC COMMON STOCK 013817101 72 8,845 SH   OTR   8,630 0 215
ALLSTATE CORP COMMON STOCK 020002101 131 2,593 SH   SOLE   2,593 0 0
ALLSTATE CORP COMMON STOCK 020002101 178 3,522 SH   OTR   3,522 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 958 27,879 SH   SOLE   26,804 0 1,075
ALTRIA GROUP INC COMMON STOCK 02209S103 1,709 49,740 SH   OTR   43,890 200 5,650
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,106 27,890 SH   SOLE   27,529 0 361
AMERICAN EXPRESS CO COMMON STOCK 025816109 374 4,950 SH   OTR   3,450 0 1,500
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 789 19,120 SH   SOLE   18,320 0 800
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 518 12,560 SH   OTR   8,065 0 4,495
AMGEN INC COMMON STOCK 031162100 439 3,925 SH   SOLE   3,925 0 0
AMGEN INC COMMON STOCK 031162100 65 585 SH   OTR   585 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 284 3,049 SH   SOLE   2,349 0 700
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 248 2,668 SH   OTR   2,368 0 300
APACHE CORP COMMON STOCK 037411105 1,688 19,823 SH   SOLE   19,823 0 0
APACHE CORP COMMON STOCK 037411105 90 1,060 SH   OTR   1,060 0 0
APPLE INC COMMON STOCK 037833100 11,657 24,451 SH   SOLE   23,364 99 988
APPLE INC COMMON STOCK 037833100 2,553 5,355 SH   OTR   5,154 151 50
AT&T INC COMMON STOCK 00206R102 4,549 134,498 SH   SOLE   129,752 400 4,346
AT&T INC COMMON STOCK 00206R102 1,634 48,326 SH   OTR   43,436 105 4,785
AUTOLIV INC COMMON STOCK 052800109 1,405 16,083 SH   SOLE   14,833 0 1,250
AUTOLIV INC COMMON STOCK 052800109 1,177 13,469 SH   OTR   13,469 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3,967 54,804 SH   SOLE   53,549 0 1,255
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 746 10,305 SH   OTR   8,480 150 1,675
BANK OF AMERICA CORP COMMON STOCK 060505104 198 14,362 SH   SOLE   13,743 0 619
BANK OF AMERICA CORP COMMON STOCK 060505104 130 9,432 SH   OTR   7,875 0 1,557
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 218 7,237 SH   SOLE   7,237 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 296 9,791 SH   OTR   9,291 0 500
BAXTER INTL INC COMMON STOCK 071813109 349 5,320 SH   SOLE   5,320 0 0
BAXTER INTL INC COMMON STOCK 071813109 146 2,225 SH   OTR   1,925 0 300
BEAM INC COMMON STOCK 073730103 52 800 SH   SOLE   800 0 0
BEAM INC COMMON STOCK 073730103 455 7,039 SH   OTR   7,039 0 0
BECTON DICKINSON COMMON STOCK 075887109 283 2,825 SH   SOLE   2,825 0 0
BECTON DICKINSON COMMON STOCK 075887109 120 1,200 SH   OTR   1,200 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 2,807 36,287 SH   SOLE   35,435 171 681
BED BATH & BEYOND INC COMMON STOCK 075896100 464 5,994 SH   OTR   5,810 184 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 4,487 39,533 SH   SOLE   38,979 125 429
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,063 9,369 SH   OTR   9,199 20 150
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 1,345 20,219 SH   SOLE   19,278 50 891
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 269 4,052 SH   OTR   3,827 0 225
BLACKROCK INC CL A COMMON STOCK 09247X101 162 600 SH   SOLE   100 0 500
BLACKROCK INC CL A COMMON STOCK 09247X101 73 270 SH   OTR   270 0 0
BOEING CO COMMON STOCK 097023105 1,689 14,377 SH   SOLE   13,977 0 400
BOEING CO COMMON STOCK 097023105 1,317 11,206 SH   OTR   11,206 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5,098 110,158 SH   SOLE   98,158 5,400 6,600
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,926 41,619 SH   OTR   37,489 1,580 2,550
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 197 2,868 SH   SOLE   2,868 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 21 310 SH   OTR   310 0 0
CATERPILLAR INC COMMON STOCK 149123101 2,879 34,519 SH   SOLE   34,144 75 300
CATERPILLAR INC COMMON STOCK 149123101 540 6,478 SH   OTR   4,723 520 1,235
CELGENE CORP COMMON STOCK 151020104 638 4,138 SH   SOLE   3,078 60 1,000
CELGENE CORP COMMON STOCK 151020104 155 1,005 SH   OTR   1,005 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 13,147 108,209 SH   SOLE   103,762 1,990 2,457
CHEVRON CORPORATION COMMON STOCK 166764100 4,933 40,603 SH   OTR   34,419 1,160 5,024
CHURCH & DWIGHT INC COMMON STOCK 171340102 1,615 26,895 SH   SOLE   26,593 146 156
CHURCH & DWIGHT INC COMMON STOCK 171340102 28 463 SH   OTR   463 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 5,841 249,267 SH   SOLE   242,728 832 5,707
CISCO SYSTEMS INC COMMON STOCK 17275R102 993 42,360 SH   OTR   41,865 495 0
CITIGROUP INC COMMON STOCK 172967424 768 15,841 SH   SOLE   15,719 0 122
CITIGROUP INC COMMON STOCK 172967424 79 1,635 SH   OTR   1,475 0 160
CLOROX COMPANY COMMON STOCK 189054109 1,319 16,144 SH   SOLE   15,544 0 600
CLOROX COMPANY COMMON STOCK 189054109 621 7,600 SH   OTR   5,730 0 1,870
COACH INC COMMON STOCK 189754104 282 5,175 SH   SOLE   3,675 0 1,500
COACH INC COMMON STOCK 189754104 28 520 SH   OTR   520 0 0
COCA COLA CO COMMON STOCK 191216100 3,370 88,954 SH   SOLE   80,654 2,400 5,900
COCA COLA CO COMMON STOCK 191216100 1,554 41,015 SH   OTR   33,865 0 7,150
COLGATE PALMOLIVE CO COMMON STOCK 194162103 3,329 56,133 SH   SOLE   49,188 2,000 4,945
COLGATE PALMOLIVE CO COMMON STOCK 194162103 2,012 33,928 SH   OTR   31,128 0 2,800
COMCAST CORP-CL A COMMON STOCK 20030N101 264 5,849 SH   SOLE   5,120 0 729
COMCAST CORP-CL A COMMON STOCK 20030N101 155 3,443 SH   OTR   2,771 0 672
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 86 2,524 SH   SOLE   1,748 0 776
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 175 5,116 SH   OTR   0 5,116 0
CONOCOPHILLIPS COMMON STOCK 20825C104 5,622 80,874 SH   SOLE   76,839 622 3,413
CONOCOPHILLIPS COMMON STOCK 20825C104 965 13,879 SH   OTR   13,329 400 150
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 1,779 29,334 SH   SOLE   27,218 0 2,116
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 520 8,582 SH   OTR   7,980 425 177
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 944 23,716 SH   SOLE   22,679 0 1,037
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 415 10,438 SH   OTR   9,846 350 242
CORNING INC COMMON STOCK 219350105 200 13,703 SH   SOLE   13,703 0 0
CORNING INC COMMON STOCK 219350105 157 10,745 SH   OTR   10,045 700 0
CVS CAREMARK CORP COMMON STOCK 126650100 5,718 100,751 SH   SOLE   100,005 194 552
CVS CAREMARK CORP COMMON STOCK 126650100 897 15,814 SH   OTR   14,574 240 1,000
DANAHER CORP COMMON STOCK 235851102 6,577 94,885 SH   SOLE   90,988 313 3,584
DANAHER CORP COMMON STOCK 235851102 1,071 15,457 SH   OTR   13,612 455 1,390
DEERE & CO COMMON STOCK 244199105 578 7,098 SH   SOLE   6,068 30 1,000
DEERE & CO COMMON STOCK 244199105 643 7,900 SH   OTR   7,900 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 6,833 105,957 SH   SOLE   104,687 395 875
DISNEY WALT CO NEW COMMON STOCK 254687106 1,264 19,606 SH   OTR   17,186 60 2,360
DOMINION RESOURCES INC COMMON STOCK 25746U109 3,279 52,475 SH   SOLE   50,448 300 1,727
DOMINION RESOURCES INC COMMON STOCK 25746U109 1,355 21,681 SH   OTR   14,574 2,300 4,807
DOVER CORP COMMON STOCK 260003108 235 2,615 SH   SOLE   1,915 0 700
DOVER CORP COMMON STOCK 260003108 101 1,125 SH   OTR   1,125 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 534 13,905 SH   SOLE   13,905 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 707 18,399 SH   OTR   16,849 0 1,550
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3,847 65,694 SH   SOLE   63,279 0 2,415
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2,198 37,536 SH   OTR   32,676 175 4,685
DUKE ENERGY CORP COMMON STOCK 26441C204 205 3,068 SH   SOLE   2,502 566 0
DUKE ENERGY CORP COMMON STOCK 26441C204 103 1,538 SH   OTR   872 666 0
ECOLAB INC COMMON STOCK 278865100 1,767 17,891 SH   SOLE   17,291 0 600
ECOLAB INC COMMON STOCK 278865100 401 4,060 SH   OTR   2,610 0 1,450
EMC CORP MASS COMMON STOCK 268648102 3,137 122,733 SH   SOLE   114,364 466 7,903
EMC CORP MASS COMMON STOCK 268648102 857 33,521 SH   OTR   30,721 600 2,200
EMERSON ELEC CO COMMON STOCK 291011104 1,532 23,681 SH   SOLE   22,281 800 600
EMERSON ELEC CO COMMON STOCK 291011104 496 7,665 SH   OTR   7,565 0 100
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 3,280 39,564 SH   SOLE   38,245 178 1,141
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 1,084 13,072 SH   OTR   12,784 105 183
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 319 4,857 SH   SOLE   4,857 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 1,103 18,072 SH   SOLE   15,572 0 2,500
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 118 1,940 SH   OTR   1,940 0 0
EXELON CORP COMMON STOCK 30161N101 335 11,304 SH   SOLE   11,179 0 125
EXELON CORP COMMON STOCK 30161N101 262 8,844 SH   OTR   8,194 150 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 372 8,437 SH   SOLE   7,837 0 600
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 195 4,420 SH   OTR   2,860 0 1,560
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 513 8,298 SH   SOLE   7,628 0 670
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 171 2,769 SH   OTR   2,614 0 155
EXXONMOBIL CORP COMMON STOCK 30231G102 19,293 224,229 SH   SOLE   215,547 1,925 6,757
EXXONMOBIL CORP COMMON STOCK 30231G102 8,103 94,179 SH   OTR   86,567 1,022 6,590
FACEBOOK INC-A COMMON STOCK 30303M102 184 3,670 SH   SOLE   3,570 100 0
FACEBOOK INC-A COMMON STOCK 30303M102 90 1,800 SH   OTR   1,800 0 0
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 2,363 118,720 SH   SOLE   116,819 0 1,901
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 174 8,731 SH   OTR   6,485 1,181 1,065
FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 141 13,609 SH   SOLE   9,366 0 4,243
FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 41 4,000 SH   OTR   4,000 0 0
FIRST TRUST ISE GLOBAL ENGIN COMMON STOCK 33736M103 196 4,088 SH   SOLE   3,673 0 415
FIRST TRUST ISE GLOBAL ENGIN COMMON STOCK 33736M103 8 175 SH   OTR   105 70 0
FISERV INC COMMON STOCK 337738108 1,560 15,435 SH   SOLE   15,000 75 360
FISERV INC COMMON STOCK 337738108 63 627 SH   OTR   579 48 0
FORTUNE BRANDS INC COMMON STOCK 34964C106 214 5,144 SH   OTR   5,144 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 240 4,752 SH   SOLE   4,752 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 102 24,453 SH   SOLE   23,788 238 427
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 36 8,700 SH   OTR   6,435 2,097 168
GENERAL DYNAMICS CORP COMMON STOCK 369550108 330 3,773 SH   SOLE   3,773 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 156 1,780 SH   OTR   1,780 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 11,288 472,486 SH   SOLE   453,536 2,650 16,300
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,678 153,953 SH   OTR   130,603 6,425 16,925
GENERAL MLS INC COMMON STOCK 370334104 2,036 42,495 SH   SOLE   40,822 177 1,496
GENERAL MLS INC COMMON STOCK 370334104 694 14,480 SH   OTR   10,960 625 2,895
GILEAD SCIENCES INC COMMON STOCK 375558103 855 13,602 SH   SOLE   8,702 0 4,900
GILEAD SCIENCES INC COMMON STOCK 375558103 137 2,175 SH   OTR   2,175 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 1,575 31,396 SH   SOLE   30,614 127 655
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 390 7,770 SH   OTR   6,625 480 665
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 2,616 16,532 SH   SOLE   16,287 77 168
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 524 3,314 SH   OTR   3,204 110 0
GOOGLE INC CL A COMMON STOCK 38259P508 6,776 7,736 SH   SOLE   7,440 42 254
GOOGLE INC CL A COMMON STOCK 38259P508 918 1,048 SH   OTR   1,048 0 0
GRAINGER W W INC COMMON STOCK 384802104 2,466 9,424 SH   SOLE   8,824 0 600
GRAINGER W W INC COMMON STOCK 384802104 963 3,680 SH   OTR   2,615 0 1,065
HALLIBURTON CO COMMON STOCK 406216101 242 5,027 SH   SOLE   4,902 0 125
HALLIBURTON CO COMMON STOCK 406216101 113 2,355 SH   OTR   2,355 0 0
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 881 17,405 SH   SOLE   16,725 0 680
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 364 7,190 SH   OTR   7,135 0 55
HEWLETT PACKARD CO COMMON STOCK 428236103 105 5,010 SH   SOLE   3,856 0 1,154
HEWLETT PACKARD CO COMMON STOCK 428236103 121 5,756 SH   OTR   4,656 300 800
HOME DEPOT INC COMMON STOCK 437076102 524 6,910 SH   SOLE   6,325 0 585
HOME DEPOT INC COMMON STOCK 437076102 427 5,635 SH   OTR   5,435 0 200
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 3,716 44,752 SH   SOLE   43,435 110 1,207
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,024 12,335 SH   OTR   10,425 1,910 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 2,126 27,876 SH   SOLE   27,551 0 325
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 293 3,846 SH   OTR   2,596 1,250 0
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 1,706 36,763 SH   SOLE   36,092 0 671
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 455 9,804 SH   OTR   8,455 0 1,349
INTEL CORP COMMON STOCK 458140100 6,507 283,898 SH   SOLE   273,263 3,613 7,022
INTEL CORP COMMON STOCK 458140100 1,349 58,872 SH   OTR   53,582 1,990 3,300
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12,295 66,395 SH   SOLE   61,449 1,179 3,767
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 5,388 29,098 SH   OTR   27,503 220 1,375
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 1,417 51,381 SH   SOLE   50,785 212 384
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 330 11,972 SH   OTR   11,748 200 24
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 9,066 43,256 SH   SOLE   41,549 190 1,517
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 1,074 5,126 SH   OTR   5,026 50 50
ITT CORP COMMON STOCK 450911201 226 6,298 SH   SOLE   6,298 0 0
ITT CORP COMMON STOCK 450911201 30 839 SH   OTR   814 25 0
JM SMUCKER CO COMMON STOCK 832696405 195 1,861 SH   SOLE   1,618 0 243
JM SMUCKER CO COMMON STOCK 832696405 211 2,004 SH   OTR   1,400 600 4
JOHNSON & JOHNSON COMMON STOCK 478160104 15,348 177,040 SH   SOLE   166,019 1,860 9,161
JOHNSON & JOHNSON COMMON STOCK 478160104 3,640 41,994 SH   OTR   36,158 1,370 4,466
JP MORGAN CHASE & CO COMMON STOCK 46625H100 9,174 177,487 SH   SOLE   169,901 427 7,159
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,517 48,694 SH   OTR   43,994 2,740 1,960
KBW BANK ETF COMMON STOCK 78464A797 305 10,167 SH   SOLE   10,040 0 127
KBW BANK ETF COMMON STOCK 78464A797 45 1,488 SH   OTR   1,388 0 100
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 3,330 93,419 SH   SOLE   91,811 390 1,218
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 778 21,835 SH   OTR   21,365 370 100
KELLOGG CO COMMON STOCK 487836108 161 2,740 SH   SOLE   2,740 0 0
KELLOGG CO COMMON STOCK 487836108 129 2,200 SH   OTR   200 0 2,000
KEYCORP COMMON STOCK 493267108 257 22,562 SH   OTR   22,562 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 652 6,925 SH   SOLE   6,825 0 100
KIMBERLY CLARK CORP COMMON STOCK 494368103 170 1,800 SH   OTR   1,650 150 0
KOHLS CORP COMMON STOCK 500255104 256 4,940 SH   SOLE   4,940 0 0
KOHLS CORP COMMON STOCK 500255104 82 1,585 SH   OTR   1,585 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 322 6,133 SH   SOLE   5,958 0 175
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 455 8,664 SH   OTR   7,478 46 1,140
LILLY ELI & CO COMMON STOCK 532457108 504 10,016 SH   SOLE   9,488 0 528
LILLY ELI & CO COMMON STOCK 532457108 306 6,085 SH   OTR   4,985 0 1,100
LOCKHEED MARTIN CORP COMMON STOCK 539830109 2,318 18,172 SH   SOLE   17,057 0 1,115
LOCKHEED MARTIN CORP COMMON STOCK 539830109 694 5,440 SH   OTR   5,320 90 30
LOWES COS INC COMMON STOCK 548661107 7,907 166,077 SH   SOLE   164,289 550 1,238
LOWES COS INC COMMON STOCK 548661107 1,463 30,730 SH   OTR   29,795 235 700
M & T BANK CORP COMMON STOCK 55261F104 296 2,649 SH   SOLE   2,649 0 0
M & T BANK CORP COMMON STOCK 55261F104 369 3,300 SH   OTR   1,200 2,100 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 203 3,600 SH   SOLE   0 0 3,600
MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 3,880 75,585 SH   SOLE   72,946 390 2,249
MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 620 12,083 SH   OTR   11,858 125 100
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 2,299 54,718 SH   SOLE   51,781 110 2,827
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 370 8,816 SH   OTR   6,005 1,087 1,724
MCDONALDS CORP COMMON STOCK 580135101 10,170 105,711 SH   SOLE   103,210 962 1,539
MCDONALDS CORP COMMON STOCK 580135101 2,439 25,349 SH   OTR   21,664 625 3,060
MDU RES GROUP INC COMMON STOCK 552690109 35 1,238 SH   SOLE   1,238 0 0
MDU RES GROUP INC COMMON STOCK 552690109 183 6,533 SH   OTR   6,533 0 0
MEDTRONIC INC COMMON STOCK 585055106 267 5,015 SH   SOLE   4,970 0 45
MEDTRONIC INC COMMON STOCK 585055106 30 560 SH   OTR   200 0 360
MERCK & CO INC COMMON STOCK 58933Y105 2,295 48,197 SH   SOLE   44,921 1,500 1,776
MERCK & CO INC COMMON STOCK 58933Y105 1,183 24,839 SH   OTR   22,264 350 2,225
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 640 15,897 SH   SOLE   15,197 0 700
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 181 4,495 SH   OTR   3,495 0 1,000
MICROSOFT CORP COMMON STOCK 594918104 9,687 291,088 SH   SOLE   283,764 1,071 6,253
MICROSOFT CORP COMMON STOCK 594918104 1,962 58,950 SH   OTR   50,659 4,891 3,400
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 651 20,716 SH   SOLE   20,102 0 614
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 852 27,123 SH   OTR   23,561 138 3,424
MONSANTO CO COMMON STOCK 61166W101 2,511 24,061 SH   SOLE   22,936 202 923
MONSANTO CO COMMON STOCK 61166W101 591 5,664 SH   OTR   5,594 70 0
NBT BANCORP INC COMMON STOCK 628778102 6,362 276,834 SH   SOLE   140,883 0 135,951
NBT BANCORP INC COMMON STOCK 628778102 2,497 108,669 SH   OTR   100,107 6,162 2,400
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,541 31,694 SH   SOLE   28,444 0 3,250
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,230 15,346 SH   OTR   11,316 1,000 3,030
NIKE INC-CLASS B COMMON STOCK 654106103 2,713 37,342 SH   SOLE   35,842 0 1,500
NIKE INC-CLASS B COMMON STOCK 654106103 921 12,675 SH   OTR   8,645 0 4,030
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,261 16,300 SH   SOLE   14,300 0 2,000
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 587 7,583 SH   OTR   7,008 0 575
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 3,862 50,347 SH   SOLE   49,437 265 645
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 1,010 13,169 SH   OTR   12,554 115 500
NUCOR CORP COMMON STOCK 670346105 219 4,475 SH   SOLE   4,475 0 0
NUCOR CORP COMMON STOCK 670346105 98 2,000 SH   OTR   2,000 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 182 1,950 SH   SOLE   1,950 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 65 700 SH   OTR   150 0 550
ORACLE CORPORATION COMMON STOCK 68389X105 5,066 152,720 SH   SOLE   149,549 335 2,836
ORACLE CORPORATION COMMON STOCK 68389X105 1,068 32,206 SH   OTR   31,367 839 0
PEOPLES UNITED FINANCIAL, INC COMMON STOCK 712704105 152 10,586 SH   SOLE   10,586 0 0
PEPSICO INC COMMON STOCK 713448108 9,777 122,977 SH   SOLE   121,037 405 1,535
PEPSICO INC COMMON STOCK 713448108 2,600 32,703 SH   OTR   29,098 470 3,135
PFIZER INC COMMON STOCK 717081103 7,150 248,914 SH   SOLE   245,210 419 3,285
PFIZER INC COMMON STOCK 717081103 2,022 70,379 SH   OTR   64,997 2,120 3,262
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2,027 23,408 SH   SOLE   22,583 0 825
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 3,646 42,110 SH   OTR   38,610 150 3,350
PHILLIPS 66 COMMON STOCK 718546104 196 3,392 SH   SOLE   2,920 158 314
PHILLIPS 66 COMMON STOCK 718546104 30 525 SH   OTR   350 175 0
PRAXAIR INC COMMON STOCK 74005P104 2,326 19,352 SH   SOLE   18,677 0 675
PRAXAIR INC COMMON STOCK 74005P104 887 7,375 SH   OTR   6,195 0 1,180
PROCTER & GAMBLE CO COMMON STOCK 742718109 13,700 181,245 SH   SOLE   170,940 1,535 8,770
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,034 53,361 SH   OTR   45,486 2,670 5,205
PRUDENTIAL FINL INC COMMON STOCK 744320102 4,943 63,385 SH   SOLE   62,577 251 557
PRUDENTIAL FINL INC COMMON STOCK 744320102 1,018 13,055 SH   OTR   12,825 30 200
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 512 15,534 SH   SOLE   15,134 400 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 141 4,270 SH   OTR   4,270 0 0
QUALCOMM INC COMMON STOCK 747525103 6,101 90,634 SH   SOLE   87,871 456 2,307
QUALCOMM INC COMMON STOCK 747525103 1,164 17,293 SH   OTR   16,473 220 600
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 292 2,730 SH   SOLE   2,530 0 200
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 40 375 SH   OTR   375 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 798 9,351 SH   SOLE   8,951 0 400
SIGMA ALDRICH CORP COMMON STOCK 826552101 206 2,420 SH   OTR   1,200 0 1,220
SOUTHERN COMPANY COMMON STOCK 842587107 1,478 35,891 SH   SOLE   35,257 200 434
SOUTHERN COMPANY COMMON STOCK 842587107 938 22,779 SH   OTR   19,379 2,000 1,400
ST JUDE MEDICAL INC COMMON STOCK 790849103 317 5,911 SH   SOLE   5,911 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 105 1,965 SH   OTR   1,165 0 800
STRYKER CORPORATION COMMON STOCK 863667101 386 5,716 SH   SOLE   5,716 0 0
STRYKER CORPORATION COMMON STOCK 863667101 23 340 SH   OTR   340 0 0
SYSCO CORP COMMON STOCK 871829107 306 9,600 SH   SOLE   9,600 0 0
SYSCO CORP COMMON STOCK 871829107 269 8,440 SH   OTR   7,740 0 700
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 6,191 86,063 SH   SOLE   84,547 239 1,277
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,121 15,581 SH   OTR   15,076 205 300
TARGET CORP COMMON STOCK 87612E106 6,466 101,058 SH   SOLE   96,885 257 3,916
TARGET CORP COMMON STOCK 87612E106 1,199 18,734 SH   OTR   16,924 440 1,370
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 2,142 66,848 SH   SOLE   65,247 325 1,276
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 794 24,778 SH   OTR   23,563 825 390
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 247 6,547 SH   SOLE   6,330 0 217
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 74 1,952 SH   OTR   1,952 0 0
TEXTRON INC COMMON STOCK 883203101 687 24,865 SH   SOLE   24,865 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 906 21,065 SH   SOLE   20,632 99 334
THE MOSAIC COMPANY COMMON STOCK 61945C103 239 5,560 SH   OTR   5,560 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 207 2,250 SH   SOLE   525 0 1,725
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3 35 SH   OTR   35 0 0
TJX COS INC COMMON STOCK 872540109 1,433 25,413 SH   SOLE   20,995 0 4,418
TJX COS INC COMMON STOCK 872540109 58 1,020 SH   OTR   1,020 0 0
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 1,203 9,394 SH   SOLE   9,211 48 135
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 322 2,517 SH   OTR   2,442 75 0
UNION PAC CORP COMMON STOCK 907818108 5,602 36,060 SH   SOLE   34,584 74 1,402
UNION PAC CORP COMMON STOCK 907818108 1,935 12,456 SH   OTR   11,318 28 1,110
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 654 7,160 SH   SOLE   6,010 150 1,000
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 212 2,315 SH   OTR   2,315 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 10,271 95,262 SH   SOLE   90,871 563 3,828
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,787 25,850 SH   OTR   21,830 2,015 2,005
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,578 49,963 SH   SOLE   49,483 180 300
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 551 7,700 SH   OTR   7,625 75 0
US BANCORP NEW COMMON STOCK 902973304 3,172 86,702 SH   SOLE   82,810 345 3,547
US BANCORP NEW COMMON STOCK 902973304 171 4,668 SH   OTR   3,598 570 500
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 3,863 103,380 SH   SOLE   100,482 450 2,448
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 741 19,825 SH   OTR   18,587 387 851
VANGUARD REIT ETF COMMON STOCK 922908553 2,160 32,658 SH   SOLE   32,211 165 282
VANGUARD REIT ETF COMMON STOCK 922908553 390 5,894 SH   OTR   5,894 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 5,514 118,140 SH   SOLE   110,362 3,249 4,529
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,270 48,635 SH   OTR   40,172 5,097 3,366
WAL MART STORES INC COMMON STOCK 931142103 3,988 53,921 SH   SOLE   52,952 146 823
WAL MART STORES INC COMMON STOCK 931142103 788 10,649 SH   OTR   10,034 115 500
WALGREEN CO COMMON STOCK 931422109 1,404 26,092 SH   SOLE   25,408 179 505
WALGREEN CO COMMON STOCK 931422109 115 2,138 SH   OTR   1,659 175 304
WELLS FARGO & CO COMMON STOCK 949746101 6,686 161,805 SH   SOLE   157,393 373 4,039
WELLS FARGO & CO COMMON STOCK 949746101 1,423 34,439 SH   OTR   29,815 505 4,119
WILLIAMS COS INC COMMON STOCK 969457100 237 6,510 SH   SOLE   6,510 0 0
WILLIAMS COS INC COMMON STOCK 969457100 49 1,356 SH   OTR   1,356 0 0
WR GRACE & CO COMMON STOCK 38388F108 612 7,000 SH   OTR   0 0 7,000
XCEL ENERGY INC COMMON STOCK 98389B100 303 10,983 SH   SOLE   7,832 651 2,500
XCEL ENERGY INC COMMON STOCK 98389B100 21 775 SH   OTR   775 0 0
XYLEM INC COMMON STOCK 98419M100 1,742 62,374 SH   SOLE   61,610 209 555
XYLEM INC COMMON STOCK 98419M100 427 15,305 SH   OTR   15,255 50 0
YUM! BRANDS INC COMMON STOCK 988498101 1,513 21,194 SH   SOLE   21,076 118 0
YUM! BRANDS INC COMMON STOCK 988498101 232 3,256 SH   OTR   2,426 130 700
ZIMMER HLDGS INC COMMON STOCK 98956P102 321 3,907 SH   SOLE   3,437 120 350
ZIMMER HLDGS INC COMMON STOCK 98956P102 176 2,142 SH   OTR   1,919 123 100
3M CO COMMON STOCK 88579Y101 2,974 24,909 SH   SOLE   23,044 800 1,065
3M CO COMMON STOCK 88579Y101 399 3,345 SH   OTR   2,350 95 900
BP PLC SPONS ADR COMMON STOCK 055622104 66 1,570 SH   SOLE   1,570 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 243 5,776 SH   OTR   5,776 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 358 2,117 SH   SOLE   2,117 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 74 435 SH   OTR   435 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 71 1,075 SH   SOLE   1,075 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 465 7,081 SH   OTR   4,131 0 2,950
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W209 238 6,777 SH   SOLE   6,176 0 601
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W209 23 645 SH   OTR   545 100 0
COVIDIEN PLC COMMON STOCK G2554F113 3,006 49,332 SH   SOLE   48,810 182 340
COVIDIEN PLC COMMON STOCK G2554F113 556 9,131 SH   OTR   9,056 75 0
EATON CORP PLC COMMON STOCK G29183103 464 6,746 SH   SOLE   6,346 0 400
EATON CORP PLC COMMON STOCK G29183103 377 5,480 SH   OTR   4,405 0 1,075
INGERSOLL-RAND PLC COMMON STOCK G47791101 252 3,875 SH   SOLE   3,875 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 675 10,400 SH   OTR   10,400 0 0
NOBLE CORP COMMON STOCK H5833N103 233 6,175 SH   SOLE   6,175 0 0
NOBLE CORP COMMON STOCK H5833N103 47 1,240 SH   OTR   1,240 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 7,810 88,388 SH   SOLE   85,401 246 2,741
SCHLUMBERGER LTD COMMON STOCK 806857108 1,247 14,113 SH   OTR   12,578 110 1,425
SUNCOR ENERGY INC COMMON STOCK 867224107 1,017 28,410 SH   SOLE   27,213 0 1,197
SUNCOR ENERGY INC COMMON STOCK 867224107 273 7,641 SH   OTR   4,515 50 3,076
TORONTO DOMINION BANK COMMON STOCK 891160509 3,490 38,791 SH   SOLE   38,791 0 0
NUVEEN MUNICIPAL VALUE FUND COMMON STOCK 670928100 61 6,657 SH   SOLE   0 0 0
NUVEEN MUNICIPAL VALUE FUND COMMON STOCK 670928100 47 5,186 SH   OTR   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 2,981 24,017 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 361 2,906 SH   OTR   0 0 0
ISHARES GOLD TRUST OTHER 464285105 2,216 171,905 SH   SOLE   0 0 0
ISHARES GOLD TRUST OTHER 464285105 104 8,085 SH   OTR   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 7,061 110,669 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 864 13,547 SH   OTR   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5,200 127,596 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 441 10,833 SH   OTR   0 0 0
ISHARES MSCI SINGAPORE ETF OTHER 464286673 138 10,350 SH   SOLE   0 0 0
ISHARES MSCI SINGAPORE ETF OTHER 464286673 13 1,000 SH   OTR   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 8,927 83,732 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 559 5,243 SH   OTR   0 0 0
POWERSHARES QQQ TRUST OTHER 73935A104 270 3,419 SH   SOLE   0 0 0
POWERSHARES QQQ TRUST OTHER 73935A104 43 543 SH   OTR   0 0 0
SPDR DJIA TRUST OTHER 78467X109 2,604 17,247 SH   SOLE   0 0 0
SPDR DJIA TRUST OTHER 78467X109 403 2,670 SH   OTR   0 0 0
SPDR GOLD TRUST OTHER 78463V107 447 3,487 SH   SOLE   0 0 0
SPDR GOLD TRUST OTHER 78463V107 135 1,055 SH   OTR   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 4,324 62,717 SH   SOLE   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 647 9,383 SH   OTR   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 14,974 66,160 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 1,259 5,564 SH   OTR   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 4,801 28,574 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 688 4,095 SH   OTR   0 0 0
VANGUARD FTSE ALL-WORLD EX-US OTHER 922042775 312 6,425 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 1,120 27,900 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 437 10,885 SH   OTR   0 0 0
VANGUARD LARGE-CAP ETF OTHER 922908637 253 3,270 SH   SOLE   0 0 0
VANGUARD LARGE-CAP ETF OTHER 922908637 394 5,090 SH   OTR   0 0 0
VANGUARD MSCI EAFE ETF OTHER 921943858 437 11,040 SH   OTR   0 0 0
VANGUARD RUSSELL 2000 OTHER 92206C664 637 7,430 SH   SOLE   0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 190 1,685 SH   SOLE   0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 109 965 SH   OTR   0 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 268 2,548 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 693 8,205 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 69 820 SH   OTR   0 0 0
ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 733 7,179 SH   SOLE   0 0 0
ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 1 12 SH   OTR   0 0 0
ISHARES CORE TOTAL U.S. BOND E OTHER 464287226 847 7,904 SH   SOLE   0 0 0
ISHARES IBOXX H/Y CORP BOND ET OTHER 464288513 308 3,360 SH   OTR   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 2,612 68,726 SH   SOLE   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 208 5,475 SH   OTR   0 0 0
SPDR BARCLAYS I/T CORP BD ETF OTHER 78464A375 1,297 38,426 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 1,099 13,175 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 179 2,150 SH   OTR   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 351 4,200 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 73 875 SH   OTR   0 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 406 5,017 SH   SOLE   0 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 123 1,520 SH   OTR   0 0 0