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 4,055 97,507 SH   SOLE   94,253 100 3,154
ABBOTT LABS COMMON STOCK 002824100 755 18,146 SH   OTR   15,626 1,670 850
ABBVIE INC COMMON STOCK 00287Y109 4,203 72,759 SH   SOLE   68,405 100 4,254
ABBVIE INC COMMON STOCK 00287Y109 933 16,156 SH   OTR   13,741 1,715 700
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1,687 12,962 SH   SOLE   12,762 0 200
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 232 1,785 SH   OTR   1,785 0 0
ALCOA INC COMMON STOCK 013817101 91 5,626 SH   SOLE   4,560 0 1,066
ALCOA INC COMMON STOCK 013817101 113 7,025 SH   OTR   6,810 0 215
ALLSTATE CORP COMMON STOCK 020002101 98 1,593 SH   SOLE   1,593 0 0
ALLSTATE CORP COMMON STOCK 020002101 216 3,522 SH   OTR   3,522 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 1,112 24,204 SH   SOLE   22,279 0 1,925
ALTRIA GROUP INC COMMON STOCK 02209S103 1,991 43,350 SH   OTR   41,100 200 2,050
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,493 28,478 SH   SOLE   28,052 140 286
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,012 11,560 SH   OTR   10,060 0 1,500
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 900 18,659 SH   SOLE   17,859 0 800
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 579 12,015 SH   OTR   7,520 0 4,495
AMGEN INC COMMON STOCK 031162100 410 2,920 SH   SOLE   2,920 0 0
AMGEN INC COMMON STOCK 031162100 82 585 SH   OTR   585 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 301 2,970 SH   SOLE   2,270 0 700
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 250 2,468 SH   OTR   2,168 0 300
APACHE CORP COMMON STOCK 037411105 2,281 24,297 SH   SOLE   24,117 130 50
APACHE CORP COMMON STOCK 037411105 740 7,885 SH   OTR   7,885 0 0
APPLE INC COMMON STOCK 037833100 12,261 121,696 SH   SOLE   114,410 723 6,563
APPLE INC COMMON STOCK 037833100 3,414 33,886 SH   OTR   32,981 905 0
AT&T INC COMMON STOCK 00206R102 4,659 132,209 SH   SOLE   127,422 750 4,037
AT&T INC COMMON STOCK 00206R102 1,514 42,962 SH   OTR   37,372 105 5,485
AUTOLIV INC COMMON STOCK 052800109 1,393 15,159 SH   SOLE   14,009 0 1,150
AUTOLIV INC COMMON STOCK 052800109 1,238 13,469 SH   OTR   13,469 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 4,274 51,439 SH   SOLE   49,984 0 1,455
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 847 10,200 SH   OTR   8,405 150 1,645
BANK OF AMERICA CORP COMMON STOCK 060505104 274 16,051 SH   SOLE   15,432 0 619
BANK OF AMERICA CORP COMMON STOCK 060505104 180 10,532 SH   OTR   10,075 0 457
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 149 3,847 SH   SOLE   3,847 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 449 11,602 SH   OTR   11,102 0 500
BAXTER INTL INC COMMON STOCK 071813109 546 7,604 SH   SOLE   7,604 0 0
BAXTER INTL INC COMMON STOCK 071813109 182 2,529 SH   OTR   2,229 0 300
BECTON DICKINSON COMMON STOCK 075887109 273 2,400 SH   SOLE   2,400 0 0
BECTON DICKINSON COMMON STOCK 075887109 137 1,200 SH   OTR   1,200 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 442 6,708 SH   SOLE   6,708 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 36 550 SH   OTR   550 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 4,181 30,263 SH   SOLE   29,851 212 200
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,223 8,856 SH   OTR   8,686 20 150
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 903 15,335 SH   SOLE   14,394 50 891
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 157 2,658 SH   OTR   2,658 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 164 500 SH   SOLE   0 0 500
BLACKROCK INC CL A COMMON STOCK 09247X101 69 210 SH   OTR   210 0 0
BOEING CO COMMON STOCK 097023105 1,641 12,884 SH   SOLE   12,519 0 365
BOEING CO COMMON STOCK 097023105 1,269 9,961 SH   OTR   9,961 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5,066 98,990 SH   SOLE   90,890 4,700 3,400
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,890 36,919 SH   OTR   33,074 1,545 2,300
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 270 3,313 SH   SOLE   3,313 0 0
CATERPILLAR INC COMMON STOCK 149123101 3,165 31,956 SH   SOLE   31,363 343 250
CATERPILLAR INC COMMON STOCK 149123101 921 9,301 SH   OTR   8,856 145 300
CELGENE CORP COMMON STOCK 151020104 762 8,038 SH   SOLE   5,978 60 2,000
CELGENE CORP COMMON STOCK 151020104 146 1,540 SH   OTR   1,540 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 10,566 88,555 SH   SOLE   84,344 1,982 2,229
CHEVRON CORPORATION COMMON STOCK 166764100 4,259 35,691 SH   OTR   31,317 1,060 3,314
CHURCH & DWIGHT INC COMMON STOCK 171340102 279 3,972 SH   SOLE   3,972 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 11 150 SH   OTR   150 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 4,371 173,674 SH   SOLE   167,810 882 4,982
CISCO SYSTEMS INC COMMON STOCK 17275R102 979 38,906 SH   OTR   38,411 495 0
CITIGROUP INC COMMON STOCK 172967424 362 6,988 SH   SOLE   6,968 0 20
CITIGROUP INC COMMON STOCK 172967424 73 1,416 SH   OTR   1,376 0 40
CLOROX COMPANY COMMON STOCK 189054109 1,534 15,969 SH   SOLE   15,369 0 600
CLOROX COMPANY COMMON STOCK 189054109 684 7,120 SH   OTR   5,280 0 1,840
COCA COLA CO COMMON STOCK 191216100 3,233 75,787 SH   SOLE   67,987 2,000 5,800
COCA COLA CO COMMON STOCK 191216100 1,489 34,895 SH   OTR   27,775 0 7,120
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 223 4,980 SH   SOLE   4,830 150 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 3,476 53,304 SH   SOLE   46,559 2,000 4,745
COLGATE PALMOLIVE CO COMMON STOCK 194162103 2,052 31,468 SH   OTR   28,668 0 2,800
COMCAST CORP-CL A COMMON STOCK 20030N101 714 13,275 SH   SOLE   12,060 0 1,215
COMCAST CORP-CL A COMMON STOCK 20030N101 111 2,062 SH   OTR   1,190 200 672
CONOCOPHILLIPS COMMON STOCK 20825C104 4,097 53,536 SH   SOLE   50,078 425 3,033
CONOCOPHILLIPS COMMON STOCK 20825C104 385 5,028 SH   OTR   4,628 400 0
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 1,636 24,524 SH   SOLE   22,516 0 2,008
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 217 3,249 SH   OTR   2,812 275 162
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 1,007 22,319 SH   SOLE   21,265 0 1,054
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 147 3,252 SH   OTR   2,680 350 222
CORNING INC COMMON STOCK 219350105 245 12,688 SH   SOLE   12,688 0 0
CORNING INC COMMON STOCK 219350105 169 8,735 SH   OTR   8,035 700 0
CSX CORP COMMON STOCK 126408103 211 6,575 SH   SOLE   6,575 0 0
CSX CORP COMMON STOCK 126408103 77 2,400 SH   OTR   2,400 0 0
CVS HEALTH CORP COMMON STOCK 126650100 5,139 64,574 SH   SOLE   64,421 153 0
CVS HEALTH CORP COMMON STOCK 126650100 1,114 13,999 SH   OTR   12,759 240 1,000
DANAHER CORP COMMON STOCK 235851102 5,286 69,568 SH   SOLE   66,069 279 3,220
DANAHER CORP COMMON STOCK 235851102 1,108 14,582 SH   OTR   12,942 280 1,360
DEERE & CO COMMON STOCK 244199105 524 6,395 SH   SOLE   6,365 30 0
DEERE & CO COMMON STOCK 244199105 450 5,490 SH   OTR   5,490 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 6,786 76,219 SH   SOLE   75,351 318 550
DISNEY WALT CO NEW COMMON STOCK 254687106 1,620 18,198 SH   OTR   16,618 220 1,360
DOMINION RESOURCES INC COMMON STOCK 25746U109 2,760 39,952 SH   SOLE   37,925 300 1,727
DOMINION RESOURCES INC COMMON STOCK 25746U109 1,255 18,159 SH   OTR   12,452 1,200 4,507
DOVER CORP COMMON STOCK 260003108 184 2,290 SH   SOLE   1,890 0 400
DOVER CORP COMMON STOCK 260003108 90 1,125 SH   OTR   1,125 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 640 12,205 SH   SOLE   12,205 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1,017 19,398 SH   OTR   17,898 0 1,500
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 4,319 60,184 SH   SOLE   57,769 0 2,415
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2,562 35,706 SH   OTR   31,271 175 4,260
DUKE ENERGY CORP COMMON STOCK 26441C204 208 2,779 SH   SOLE   2,007 566 206
DUKE ENERGY CORP COMMON STOCK 26441C204 93 1,238 SH   OTR   572 666 0
ECOLAB INC COMMON STOCK 278865100 2,019 17,581 SH   SOLE   16,601 0 980
ECOLAB INC COMMON STOCK 278865100 400 3,480 SH   OTR   2,060 0 1,420
EMC CORP MASS COMMON STOCK 268648102 1,352 46,209 SH   SOLE   42,774 0 3,435
EMC CORP MASS COMMON STOCK 268648102 556 19,003 SH   OTR   16,203 600 2,200
EMERSON ELEC CO COMMON STOCK 291011104 1,399 22,350 SH   SOLE   20,950 800 600
EMERSON ELEC CO COMMON STOCK 291011104 428 6,840 SH   OTR   6,840 0 0
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 1,545 17,050 SH   SOLE   16,275 0 775
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 116 1,282 SH   OTR   1,029 80 173
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 1,005 24,938 SH   SOLE   19,938 0 5,000
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 156 3,880 SH   OTR   3,880 0 0
EXELON CORP COMMON STOCK 30161N101 216 6,344 SH   SOLE   6,344 0 0
EXELON CORP COMMON STOCK 30161N101 200 5,874 SH   OTR   5,224 150 500
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 162 3,990 SH   SOLE   3,790 0 200
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 154 3,800 SH   OTR   2,240 0 1,560
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 1,671 23,657 SH   SOLE   23,103 0 554
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 201 2,841 SH   OTR   2,686 0 155
EXXONMOBIL CORP COMMON STOCK 30231G102 17,149 182,340 SH   SOLE   174,222 1,726 6,392
EXXONMOBIL CORP COMMON STOCK 30231G102 8,455 89,901 SH   OTR   84,544 922 4,435
FEDEX CORPORATION COMMON STOCK 31428X106 237 1,470 SH   SOLE   1,470 0 0
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 1,721 74,262 SH   SOLE   72,562 0 1,700
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 161 6,968 SH   OTR   4,892 1,066 1,010
FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 90 10,760 SH   SOLE   6,366 0 4,394
FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 47 5,600 SH   OTR   5,600 0 0
FISERV INC COMMON STOCK 337738108 1,897 29,355 SH   SOLE   28,485 150 720
FISERV INC COMMON STOCK 337738108 50 766 SH   OTR   766 0 0
FORTUNE BRANDS INC COMMON STOCK 34964C106 211 5,144 SH   OTR   5,144 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 309 5,652 SH   SOLE   5,652 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 50 915 SH   OTR   915 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 33 5,020 SH   SOLE   4,794 0 226
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 41 6,280 SH   OTR   4,112 2,000 168
GENERAL DYNAMICS CORP COMMON STOCK 369550108 348 2,740 SH   SOLE   2,740 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 210 1,650 SH   OTR   1,650 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 9,595 374,530 SH   SOLE   356,425 2,640 15,465
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,553 138,663 SH   OTR   121,378 6,360 10,925
GENERAL MLS INC COMMON STOCK 370334104 1,800 35,678 SH   SOLE   34,178 0 1,500
GENERAL MLS INC COMMON STOCK 370334104 678 13,432 SH   OTR   10,037 500 2,895
GILEAD SCIENCES INC COMMON STOCK 375558103 1,394 13,100 SH   SOLE   10,100 0 3,000
GILEAD SCIENCES INC COMMON STOCK 375558103 164 1,540 SH   OTR   1,540 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 1,271 27,647 SH   SOLE   27,167 125 355
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 331 7,195 SH   OTR   6,340 355 500
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 2,193 11,944 SH   SOLE   11,784 95 65
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 770 4,196 SH   OTR   4,186 10 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,857 4,855 SH   SOLE   4,607 28 220
GOOGLE INC CL A COMMON STOCK 38259P508 497 844 SH   OTR   844 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 2,968 5,141 SH   SOLE   4,893 28 220
GOOGLE INC CLASS C COMMON STOCK 38259P706 486 842 SH   OTR   842 0 0
GRAINGER W W INC COMMON STOCK 384802104 2,344 9,314 SH   SOLE   8,814 0 500
GRAINGER W W INC COMMON STOCK 384802104 746 2,965 SH   OTR   2,095 0 870
HALLIBURTON CO COMMON STOCK 406216101 288 4,459 SH   SOLE   3,359 0 1,100
HALLIBURTON CO COMMON STOCK 406216101 149 2,315 SH   OTR   1,970 0 345
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 1,044 16,338 SH   SOLE   15,741 0 597
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 96 1,496 SH   OTR   1,461 0 35
HEWLETT PACKARD CO COMMON STOCK 428236103 104 2,937 SH   SOLE   1,783 0 1,154
HEWLETT PACKARD CO COMMON STOCK 428236103 176 4,956 SH   OTR   4,156 0 800
HOME DEPOT INC COMMON STOCK 437076102 663 7,227 SH   SOLE   6,199 0 1,028
HOME DEPOT INC COMMON STOCK 437076102 484 5,280 SH   OTR   5,080 0 200
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,099 22,539 SH   SOLE   21,558 0 981
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 524 5,632 SH   OTR   3,562 2,070 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1,676 19,854 SH   SOLE   19,629 0 225
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 194 2,302 SH   OTR   1,552 750 0
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 1,580 29,719 SH   SOLE   29,150 0 569
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 168 3,156 SH   OTR   1,827 0 1,329
INTEL CORP COMMON STOCK 458140100 8,208 235,734 SH   SOLE   226,161 3,250 6,323
INTEL CORP COMMON STOCK 458140100 1,712 49,167 SH   OTR   44,977 2,490 1,700
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12,347 65,041 SH   SOLE   60,825 788 3,428
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3,068 16,161 SH   OTR   14,566 120 1,475
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 1,181 39,431 SH   SOLE   39,312 103 16
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 310 10,343 SH   OTR   10,134 200 9
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 8,903 32,538 SH   SOLE   31,253 180 1,105
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 1,281 4,680 SH   OTR   4,580 50 50
JM SMUCKER CO COMMON STOCK 832696405 130 1,309 SH   SOLE   1,216 0 93
JM SMUCKER CO COMMON STOCK 832696405 198 2,004 SH   OTR   1,400 600 4
JOHNSON & JOHNSON COMMON STOCK 478160104 15,463 145,070 SH   SOLE   133,177 1,437 10,456
JOHNSON & JOHNSON COMMON STOCK 478160104 4,181 39,224 SH   OTR   33,619 1,320 4,285
JP MORGAN CHASE & CO COMMON STOCK 46625H100 8,762 145,451 SH   SOLE   138,458 578 6,415
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,047 50,577 SH   OTR   45,377 2,940 2,260
KBW BANK ETF COMMON STOCK 78464A797 330 10,332 SH   SOLE   10,268 0 64
KBW BANK ETF COMMON STOCK 78464A797 33 1,048 SH   OTR   948 0 100
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 2,327 61,458 SH   SOLE   60,722 200 536
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 207 5,455 SH   OTR   4,985 370 100
KIMBERLY CLARK CORP COMMON STOCK 494368103 687 6,390 SH   SOLE   6,340 0 50
KIMBERLY CLARK CORP COMMON STOCK 494368103 189 1,755 SH   OTR   1,625 130 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 229 4,060 SH   SOLE   3,931 0 129
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 438 7,770 SH   OTR   7,414 46 310
LILLY ELI & CO COMMON STOCK 532457108 574 8,846 SH   SOLE   7,718 0 1,128
LILLY ELI & CO COMMON STOCK 532457108 395 6,085 SH   OTR   4,985 0 1,100
LOCKHEED MARTIN CORP COMMON STOCK 539830109 3,256 17,812 SH   SOLE   16,697 0 1,115
LOCKHEED MARTIN CORP COMMON STOCK 539830109 889 4,865 SH   OTR   4,825 40 0
LOWES COS INC COMMON STOCK 548661107 6,243 117,962 SH   SOLE   117,037 435 490
LOWES COS INC COMMON STOCK 548661107 1,606 30,350 SH   OTR   29,415 235 700
M & T BANK CORP COMMON STOCK 55261F104 70 569 SH   SOLE   569 0 0
M & T BANK CORP COMMON STOCK 55261F104 407 3,300 SH   OTR   1,200 2,100 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 303 3,600 SH   SOLE   0 0 3,600
MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 2,543 48,083 SH   SOLE   45,848 350 1,885
MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 614 11,614 SH   OTR   11,389 125 100
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 2,265 45,679 SH   SOLE   42,787 110 2,782
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 239 4,810 SH   OTR   2,814 772 1,224
MCDONALDS CORP COMMON STOCK 580135101 8,196 86,444 SH   SOLE   82,842 1,070 2,532
MCDONALDS CORP COMMON STOCK 580135101 2,066 21,788 SH   OTR   20,413 575 800
MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 203 2,400 SH   SOLE   0 0 2,400
MEDTRONIC INC COMMON STOCK 585055106 327 5,277 SH   SOLE   4,902 0 375
MEDTRONIC INC COMMON STOCK 585055106 22 360 SH   OTR   0 0 360
MERCK & CO INC COMMON STOCK 58933Y105 3,302 55,699 SH   SOLE   52,366 1,500 1,833
MERCK & CO INC COMMON STOCK 58933Y105 1,418 23,925 SH   OTR   21,495 205 2,225
METLIFE INC COMMON STOCK 59156R108 696 12,952 SH   SOLE   12,847 0 105
METLIFE INC COMMON STOCK 59156R108 119 2,223 SH   OTR   1,723 500 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 1,558 32,984 SH   SOLE   31,984 0 1,000
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 373 7,900 SH   OTR   5,825 750 1,325
MICROSOFT CORP COMMON STOCK 594918104 10,048 216,735 SH   SOLE   209,539 995 6,201
MICROSOFT CORP COMMON STOCK 594918104 2,592 55,906 SH   OTR   47,350 4,856 3,700
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 449 13,098 SH   SOLE   12,415 0 683
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 766 22,353 SH   OTR   21,282 138 933
MONSANTO CO COMMON STOCK 61166W101 2,024 17,991 SH   SOLE   16,921 145 925
MONSANTO CO COMMON STOCK 61166W101 352 3,125 SH   OTR   3,055 70 0
NBT BANCORP INC COMMON STOCK 628778102 5,727 254,297 SH   SOLE   118,346 0 135,951
NBT BANCORP INC COMMON STOCK 628778102 2,013 89,405 SH   OTR   84,351 2,654 2,400
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,626 27,970 SH   SOLE   24,870 0 3,100
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,194 12,714 SH   OTR   9,079 750 2,885
NIKE INC-CLASS B COMMON STOCK 654106103 2,783 31,195 SH   SOLE   29,995 0 1,200
NIKE INC-CLASS B COMMON STOCK 654106103 735 8,240 SH   OTR   6,040 0 2,200
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,678 15,038 SH   SOLE   13,038 0 2,000
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 761 6,823 SH   OTR   6,248 0 575
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 2,834 30,112 SH   SOLE   29,732 95 285
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 1,083 11,510 SH   OTR   10,895 115 500
NUCOR CORP COMMON STOCK 670346105 258 4,752 SH   SOLE   4,752 0 0
NUCOR CORP COMMON STOCK 670346105 95 1,750 SH   OTR   1,750 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 169 1,753 SH   SOLE   1,753 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 53 550 SH   OTR   0 0 550
ORACLE CORPORATION COMMON STOCK 68389X105 3,993 104,301 SH   SOLE   101,897 354 2,050
ORACLE CORPORATION COMMON STOCK 68389X105 1,210 31,613 SH   OTR   30,834 779 0
PEPSICO INC COMMON STOCK 713448108 10,427 112,006 SH   SOLE   109,564 537 1,905
PEPSICO INC COMMON STOCK 713448108 2,539 27,277 SH   OTR   24,897 770 1,610
PFIZER INC COMMON STOCK 717081103 5,976 202,085 SH   SOLE   199,072 369 2,644
PFIZER INC COMMON STOCK 717081103 1,995 67,464 SH   OTR   62,505 1,920 3,039
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1,410 16,904 SH   SOLE   15,979 0 925
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 3,194 38,300 SH   OTR   36,800 150 1,350
PHILLIPS 66 COMMON STOCK 718546104 250 3,071 SH   SOLE   2,916 155 0
PHILLIPS 66 COMMON STOCK 718546104 12 150 SH   OTR   100 50 0
PRAXAIR INC COMMON STOCK 74005P104 2,160 16,746 SH   SOLE   15,996 0 750
PRAXAIR INC COMMON STOCK 74005P104 804 6,235 SH   OTR   5,110 0 1,125
PROCTER & GAMBLE CO COMMON STOCK 742718109 12,777 152,576 SH   SOLE   142,877 1,471 8,228
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,188 50,014 SH   OTR   42,526 2,578 4,910
PRUDENTIAL FINL INC COMMON STOCK 744320102 4,000 45,486 SH   SOLE   44,944 342 200
PRUDENTIAL FINL INC COMMON STOCK 744320102 1,111 12,639 SH   OTR   12,289 150 200
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 239 6,426 SH   SOLE   6,026 400 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 172 4,610 SH   OTR   4,610 0 0
QUALCOMM INC COMMON STOCK 747525103 4,497 60,143 SH   SOLE   57,717 526 1,900
QUALCOMM INC COMMON STOCK 747525103 1,241 16,600 SH   OTR   15,780 220 600
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 198 1,800 SH   SOLE   1,600 0 200
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 25 225 SH   OTR   225 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 1,140 8,380 SH   SOLE   7,980 0 400
SIGMA ALDRICH CORP COMMON STOCK 826552101 302 2,220 SH   OTR   1,000 0 1,220
SKYWORKS SOLUTIONS INC COMMON STOCK 83088M102 203 3,500 SH   SOLE   0 0 3,500
SOUTHERN COMPANY COMMON STOCK 842587107 1,345 30,821 SH   SOLE   30,321 200 300
SOUTHERN COMPANY COMMON STOCK 842587107 875 20,045 SH   OTR   16,645 2,000 1,400
ST JUDE MEDICAL INC COMMON STOCK 790849103 271 4,506 SH   SOLE   4,506 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 19 315 SH   OTR   315 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 350 4,203 SH   SOLE   4,203 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 128 1,540 SH   OTR   1,540 0 0
STRYKER CORPORATION COMMON STOCK 863667101 409 5,065 SH   SOLE   5,065 0 0
STRYKER CORPORATION COMMON STOCK 863667101 27 340 SH   OTR   340 0 0
SYSCO CORP COMMON STOCK 871829107 347 9,135 SH   SOLE   9,135 0 0
SYSCO CORP COMMON STOCK 871829107 309 8,130 SH   OTR   7,430 0 700
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 5,358 68,346 SH   SOLE   66,825 316 1,205
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,239 15,805 SH   OTR   15,210 295 300
TARGET CORP COMMON STOCK 87612E106 4,329 69,067 SH   SOLE   65,300 212 3,555
TARGET CORP COMMON STOCK 87612E106 953 15,201 SH   OTR   14,036 440 725
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 2,267 56,815 SH   SOLE   55,552 325 938
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 293 7,354 SH   OTR   6,319 700 335
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 134 2,489 SH   SOLE   2,489 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 72 1,331 SH   OTR   1,331 0 0
TEXTRON INC COMMON STOCK 883203101 700 19,440 SH   SOLE   19,440 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 431 9,708 SH   SOLE   9,534 174 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 423 9,531 SH   OTR   9,446 85 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 243 2,000 SH   SOLE   500 0 1,500
TJX COS INC COMMON STOCK 872540109 2,021 34,155 SH   SOLE   31,424 513 2,218
TJX COS INC COMMON STOCK 872540109 97 1,635 SH   OTR   1,465 170 0
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 1,039 8,842 SH   SOLE   8,662 45 135
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 287 2,441 SH   OTR   2,366 75 0
UNION PAC CORP COMMON STOCK 907818108 5,785 53,360 SH   SOLE   51,090 110 2,160
UNION PAC CORP COMMON STOCK 907818108 2,276 20,996 SH   OTR   18,776 0 2,220
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 720 7,324 SH   SOLE   6,224 100 1,000
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 156 1,585 SH   OTR   1,585 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 8,253 78,151 SH   SOLE   74,085 514 3,552
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,589 24,516 SH   OTR   20,526 2,015 1,975
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,680 31,073 SH   SOLE   30,793 140 140
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 702 8,135 SH   OTR   7,860 150 125
US BANCORP NEW COMMON STOCK 902973304 2,690 64,310 SH   SOLE   60,969 180 3,161
US BANCORP NEW COMMON STOCK 902973304 146 3,496 SH   OTR   2,526 470 500
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 2,851 67,743 SH   SOLE   65,176 490 2,077
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 770 18,305 SH   OTR   17,022 512 771
VANGUARD REIT ETF COMMON STOCK 922908553 1,526 21,241 SH   SOLE   21,241 0 0
VANGUARD REIT ETF COMMON STOCK 922908553 234 3,255 SH   OTR   2,766 489 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 5,461 109,250 SH   SOLE   101,515 2,954 4,781
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,184 43,682 SH   OTR   35,978 5,038 2,666
WAL MART STORES INC COMMON STOCK 931142103 2,754 36,019 SH   SOLE   35,370 133 516
WAL MART STORES INC COMMON STOCK 931142103 811 10,607 SH   OTR   9,892 215 500
WALGREEN CO COMMON STOCK 931422109 1,432 24,163 SH   SOLE   23,283 150 730
WALGREEN CO COMMON STOCK 931422109 102 1,719 SH   OTR   1,240 175 304
WELLS FARGO & CO COMMON STOCK 949746101 7,182 138,464 SH   SOLE   133,475 417 4,572
WELLS FARGO & CO COMMON STOCK 949746101 2,039 39,311 SH   OTR   34,157 735 4,419
WGL HLDGS INC COMMON STOCK 92924F106 241 5,730 SH   SOLE   5,730 0 0
WGL HLDGS INC COMMON STOCK 92924F106 101 2,400 SH   OTR   0 2,400 0
WILLIAMS COS INC COMMON STOCK 969457100 356 6,430 SH   SOLE   6,430 0 0
WILLIAMS COS INC COMMON STOCK 969457100 75 1,356 SH   OTR   1,356 0 0
WR GRACE & CO COMMON STOCK 38388F108 546 6,000 SH   OTR   0 0 6,000
XCEL ENERGY INC COMMON STOCK 98389B100 281 9,237 SH   SOLE   6,086 651 2,500
XCEL ENERGY INC COMMON STOCK 98389B100 24 775 SH   OTR   775 0 0
XYLEM INC COMMON STOCK 98419M100 753 21,226 SH   SOLE   21,226 0 0
XYLEM INC COMMON STOCK 98419M100 134 3,768 SH   OTR   3,718 50 0
YUM! BRANDS INC COMMON STOCK 988498101 1,351 18,774 SH   SOLE   18,664 110 0
YUM! BRANDS INC COMMON STOCK 988498101 234 3,252 SH   OTR   2,422 130 700
ZIMMER HLDGS INC COMMON STOCK 98956P102 343 3,414 SH   SOLE   2,944 120 350
ZIMMER HLDGS INC COMMON STOCK 98956P102 205 2,034 SH   OTR   1,811 123 100
3M CO COMMON STOCK 88579Y101 2,978 21,018 SH   SOLE   19,503 750 765
3M CO COMMON STOCK 88579Y101 361 2,545 SH   OTR   1,750 95 700
BP PLC SPONS ADR COMMON STOCK 055622104 88 2,000 SH   SOLE   2,000 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 254 5,776 SH   OTR   5,776 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 483 10,135 SH   SOLE   10,135 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 48 625 SH   SOLE   625 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 334 4,381 SH   OTR   4,131 0 250
COVIDIEN PLC COMMON STOCK G2554F113 2,457 28,402 SH   SOLE   28,226 176 0
COVIDIEN PLC COMMON STOCK G2554F113 763 8,818 SH   OTR   8,743 75 0
EATON CORP PLC COMMON STOCK G29183103 398 6,280 SH   SOLE   5,880 0 400
EATON CORP PLC COMMON STOCK G29183103 363 5,725 SH   OTR   4,650 0 1,075
INGERSOLL-RAND PLC COMMON STOCK G47791101 142 2,525 SH   SOLE   2,525 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 575 10,200 SH   OTR   10,200 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 6,783 66,698 SH   SOLE   64,146 226 2,326
SCHLUMBERGER LTD COMMON STOCK 806857108 1,242 12,211 SH   OTR   11,926 160 125
SUNCOR ENERGY INC COMMON STOCK 867224107 782 21,620 SH   SOLE   20,413 0 1,207
SUNCOR ENERGY INC COMMON STOCK 867224107 199 5,511 SH   OTR   2,435 0 3,076
TORONTO DOMINION BANK COMMON STOCK 891160509 2,677 54,198 SH   SOLE   50,954 0 3,244
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 3,280 23,984 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 335 2,452 SH   OTR   0 0 0
ISHARES GOLD TRUST OTHER 464285105 573 48,966 SH   SOLE   0 0 0
ISHARES GOLD TRUST OTHER 464285105 70 5,970 SH   OTR   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 7,397 115,358 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 609 9,503 SH   OTR   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5,320 128,019 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 261 6,276 SH   OTR   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 8,578 78,445 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 434 3,968 SH   OTR   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 212 1,400 SH   SOLE   0 0 0
POWERSHARES QQQ TRUST OTHER 73935A104 271 2,744 SH   SOLE   0 0 0
POWERSHARES QQQ TRUST OTHER 73935A104 42 424 SH   OTR   0 0 0
SPDR DJIA TRUST OTHER 78467X109 1,954 11,487 SH   SOLE   0 0 0
SPDR DJIA TRUST OTHER 78467X109 510 2,996 SH   OTR   0 0 0
SPDR GOLD TRUST OTHER 78463V107 193 1,662 SH   SOLE   0 0 0
SPDR GOLD TRUST OTHER 78463V107 24 205 SH   OTR   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 3,877 51,737 SH   SOLE   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 626 8,350 SH   OTR   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 13,895 55,733 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 977 3,917 SH   OTR   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 4,964 25,196 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 906 4,600 SH   OTR   0 0 0
VANGUARD FTSE ALL-WORLD EX-US OTHER 922042775 318 6,450 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 1,581 37,914 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 317 7,590 SH   OTR   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 154 2,315 SH   SOLE   0 0 0
VANGUARD HIGH DVD YIELD ETF OTHER 921946406 66 1,000 SH   OTR   0 0 0
VANGUARD LARGE-CAP ETF OTHER 922908637 274 3,025 SH   SOLE   0 0 0
VANGUARD LARGE-CAP ETF OTHER 922908637 169 1,870 SH   OTR   0 0 0
VANGUARD MSCI EAFE ETF OTHER 921943858 266 6,700 SH   OTR   0 0 0
VANGUARD RUSSELL 2000 OTHER 92206C664 654 7,430 SH   SOLE   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 355 4,205 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 13 148 SH   OTR   0 0 0
ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 417 4,023 SH   SOLE   0 0 0
ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 1 10 SH   OTR   0 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 707 6,483 SH   SOLE   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 2,812 71,155 SH   SOLE   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 291 7,368 SH   OTR   0 0 0
SPDR BARCLAYS I/T CORP BD ETF OTHER 78464A375 1,320 38,679 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 1,077 12,559 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 227 2,650 SH   OTR   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 354 4,200 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 74 875 SH   OTR   0 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 418 5,102 SH   SOLE   0 0 0