ABBOTT LABS COMMON STOCK 002824100 4758 96948 SH SOLE 93894 100 2954 ABBOTT LABS COMMON STOCK 002824100 918 18704 SH OTR 16206 1648 850 ABBVIE INC COMMON STOCK 00287Y109 4651 69224 SH SOLE 64958 100 4166 ABBVIE INC COMMON STOCK 00287Y109 1056 15717 SH OTR 13317 1700 700 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1521 11119 SH SOLE 11119 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 426 3115 SH OTR 3115 0 0 ALCOA INC COMMON STOCK 013817101 52 4661 SH SOLE 3895 0 766 ALCOA INC COMMON STOCK 013817101 75 6740 SH OTR 6525 0 215 ALLSTATE CORP COMMON STOCK 020002101 71 1093 SH SOLE 1093 0 0 ALLSTATE CORP COMMON STOCK 020002101 228 3522 SH OTR 3522 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 1105 22594 SH SOLE 21219 0 1375 ALTRIA GROUP INC COMMON STOCK 02209S103 2079 42500 SH OTR 40400 200 1900 AMAZON.COM INC COMMON STOCK 023135106 224 517 SH SOLE 487 30 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 2230 28694 SH SOLE 28308 100 286 AMERICAN EXPRESS CO COMMON STOCK 025816109 890 11455 SH OTR 9955 0 1500 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 903 18559 SH SOLE 18159 0 400 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 635 13065 SH OTR 7820 0 5245 AMGEN INC COMMON STOCK 031162100 543 3538 SH SOLE 3538 0 0 AMGEN INC COMMON STOCK 031162100 77 500 SH OTR 500 0 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 191 2450 SH SOLE 1750 0 700 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 156 2000 SH OTR 1700 0 300 APACHE CORP COMMON STOCK 037411105 1710 29671 SH SOLE 29671 0 0 APACHE CORP COMMON STOCK 037411105 715 12410 SH OTR 11860 0 550 APPLE INC COMMON STOCK 037833100 13828 110248 SH SOLE 103196 555 6497 APPLE INC COMMON STOCK 037833100 3892 31028 SH OTR 30273 755 0 ARROW FINL CORP COMMON STOCK 042744102 212 7846 SH SOLE 7846 0 0 AT&T INC COMMON STOCK 00206R102 4417 124339 SH SOLE 119638 750 3951 AT&T INC COMMON STOCK 00206R102 1632 45935 SH OTR 40368 105 5462 AUTOLIV INC COMMON STOCK 052800109 1613 13814 SH SOLE 12664 0 1150 AUTOLIV INC COMMON STOCK 052800109 1573 13469 SH OTR 13469 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3958 49332 SH SOLE 48577 0 755 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 815 10155 SH OTR 8410 100 1645 BANK OF AMERICA CORP COMMON STOCK 060505104 172 10114 SH SOLE 9495 0 619 BANK OF AMERICA CORP COMMON STOCK 060505104 246 14432 SH OTR 13975 0 457 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 158 3775 SH SOLE 3775 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 405 9651 SH OTR 9151 0 500 BAXTER INTL INC COMMON STOCK 071813109 770 11018 SH SOLE 10818 0 200 BAXTER INTL INC COMMON STOCK 071813109 283 4048 SH OTR 2288 0 1760 BECTON DICKINSON COMMON STOCK 075887109 342 2415 SH SOLE 2415 0 0 BECTON DICKINSON COMMON STOCK 075887109 170 1200 SH OTR 1200 0 0 BED BATH & BEYOND INC COMMON STOCK 075896100 430 6233 SH SOLE 6233 0 0 BED BATH & BEYOND INC COMMON STOCK 075896100 34 498 SH OTR 498 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3858 28345 SH SOLE 28035 110 200 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1205 8856 SH OTR 8686 20 150 BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 252 6185 SH SOLE 5325 50 810 BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 115 2820 SH OTR 2820 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 173 500 SH SOLE 0 0 500 BLACKROCK INC CL A COMMON STOCK 09247X101 73 210 SH OTR 210 0 0 BOEING CO COMMON STOCK 097023105 1824 13151 SH SOLE 12406 0 745 BOEING CO COMMON STOCK 097023105 1301 9381 SH OTR 9381 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6296 94623 SH SOLE 86453 4450 3720 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2336 35105 SH OTR 31411 1519 2175 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 328 3726 SH SOLE 3726 0 0 CATERPILLAR INC COMMON STOCK 149123101 2546 30014 SH SOLE 29524 240 250 CATERPILLAR INC COMMON STOCK 149123101 964 11370 SH OTR 10925 145 300 CELGENE CORP COMMON STOCK 151020104 854 7378 SH SOLE 5328 50 2000 CELGENE CORP COMMON STOCK 151020104 213 1840 SH OTR 1840 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 8490 88003 SH SOLE 84280 1875 1848 CHEVRON CORPORATION COMMON STOCK 166764100 3332 34537 SH OTR 31555 1060 1922 CHURCH & DWIGHT INC COMMON STOCK 171340102 298 3673 SH SOLE 3673 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 4394 160009 SH SOLE 154877 250 4882 CISCO SYSTEMS INC COMMON STOCK 17275R102 1173 42717 SH OTR 42222 495 0 CITIGROUP INC COMMON STOCK 172967424 343 6213 SH SOLE 6193 0 20 CITIGROUP INC COMMON STOCK 172967424 170 3081 SH OTR 3041 0 40 CLOROX COMPANY COMMON STOCK 189054109 1745 16778 SH SOLE 16578 0 200 CLOROX COMPANY COMMON STOCK 189054109 709 6820 SH OTR 4980 0 1840 COCA COLA CO COMMON STOCK 191216100 2712 69135 SH SOLE 62535 1400 5200 COCA COLA CO COMMON STOCK 191216100 1487 37895 SH OTR 30775 0 7120 COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 337 5520 SH SOLE 5370 150 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 3218 49205 SH SOLE 43045 1850 4310 COLGATE PALMOLIVE CO COMMON STOCK 194162103 2147 32831 SH OTR 30031 0 2800 COMCAST CORP-CL A COMMON STOCK 20030N101 862 14334 SH SOLE 13219 0 1115 COMCAST CORP-CL A COMMON STOCK 20030N101 91 1506 SH OTR 706 200 600 CONOCOPHILLIPS COMMON STOCK 20825C104 3202 52139 SH SOLE 48561 425 3153 CONOCOPHILLIPS COMMON STOCK 20825C104 303 4928 SH OTR 4528 400 0 CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 1829 23916 SH SOLE 21962 0 1954 CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 205 2679 SH OTR 2212 305 162 CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 985 20703 SH SOLE 19636 0 1067 CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 143 3002 SH OTR 2680 100 222 CORNING INC COMMON STOCK 219350105 246 12488 SH SOLE 12488 0 0 CORNING INC COMMON STOCK 219350105 164 8310 SH OTR 7610 700 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 126 936 SH SOLE 936 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 100 740 SH OTR 450 0 290 CSX CORP COMMON STOCK 126408103 147 4503 SH SOLE 4503 0 0 CSX CORP COMMON STOCK 126408103 131 4010 SH OTR 4010 0 0 CVS HEALTH CORP COMMON STOCK 126650100 5991 57121 SH SOLE 57121 0 0 CVS HEALTH CORP COMMON STOCK 126650100 1382 13179 SH OTR 11989 240 950 DANAHER CORP COMMON STOCK 235851102 5612 65565 SH SOLE 62620 125 2820 DANAHER CORP COMMON STOCK 235851102 1273 14875 SH OTR 13005 280 1590 DEERE & CO COMMON STOCK 244199105 490 5050 SH SOLE 4990 60 0 DEERE & CO COMMON STOCK 244199105 533 5490 SH OTR 5490 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 7470 65449 SH SOLE 64774 125 550 DISNEY WALT CO NEW COMMON STOCK 254687106 2266 19855 SH OTR 18635 220 1000 DOMINION RESOURCES INC COMMON STOCK 25746U109 2542 38013 SH SOLE 36496 300 1217 DOMINION RESOURCES INC COMMON STOCK 25746U109 1158 17319 SH OTR 11642 1200 4477 DOVER CORP COMMON STOCK 260003108 106 1515 SH SOLE 1115 0 400 DOVER CORP COMMON STOCK 260003108 114 1625 SH OTR 1625 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 612 11955 SH SOLE 11955 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 994 19417 SH OTR 17967 0 1450 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3518 55006 SH SOLE 52891 0 2115 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2438 38126 SH OTR 33691 175 4260 DUKE ENERGY CORP COMMON STOCK 26441C204 179 2535 SH SOLE 1903 566 66 DUKE ENERGY CORP COMMON STOCK 26441C204 170 2404 SH OTR 1486 666 252 ECOLAB INC COMMON STOCK 278865100 1927 17040 SH SOLE 16740 0 300 ECOLAB INC COMMON STOCK 278865100 402 3555 SH OTR 2135 0 1420 EMC CORP MASS COMMON STOCK 268648102 1407 53331 SH SOLE 49946 0 3385 EMC CORP MASS COMMON STOCK 268648102 486 18413 SH OTR 15613 600 2200 EMERSON ELEC CO COMMON STOCK 291011104 1144 20639 SH SOLE 19639 800 200 EMERSON ELEC CO COMMON STOCK 291011104 372 6715 SH OTR 6715 0 0 ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 1220 16230 SH SOLE 15485 0 745 ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 99 1311 SH OTR 1058 80 173 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 503 16845 SH SOLE 11845 0 5000 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 116 3880 SH OTR 3880 0 0 EXELON CORP COMMON STOCK 30161N101 160 5104 SH SOLE 5104 0 0 EXELON CORP COMMON STOCK 30161N101 150 4769 SH OTR 4119 150 500 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 170 3690 SH SOLE 3490 0 200 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 94 2040 SH OTR 2040 0 0 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 2269 25517 SH SOLE 24813 150 554 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 262 2946 SH OTR 2791 0 155 EXXONMOBIL CORP COMMON STOCK 30231G102 14326 172193 SH SOLE 165113 1325 5755 EXXONMOBIL CORP COMMON STOCK 30231G102 7593 91266 SH OTR 87194 922 3150 FEDEX CORPORATION COMMON STOCK 31428X106 208 1220 SH SOLE 1220 0 0 FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 1567 64274 SH SOLE 61962 712 1600 FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 164 6727 SH OTR 4692 1025 1010 FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 103 10886 SH SOLE 6366 0 4520 FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 76 8000 SH OTR 8000 0 0 FISERV INC COMMON STOCK 337738108 2343 28287 SH SOLE 27417 150 720 FISERV INC COMMON STOCK 337738108 53 641 SH OTR 641 0 0 FOOT LOCKER INC COMMON STOCK 344849104 208 3100 SH SOLE 0 0 3100 FORTUNE BRANDS INC COMMON STOCK 34964C106 236 5144 SH OTR 5144 0 0 FRANKLIN RESOURCES INC COMMON STOCK 354613101 289 5895 SH SOLE 5895 0 0 FRANKLIN RESOURCES INC COMMON STOCK 354613101 45 915 SH OTR 915 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 329 2321 SH SOLE 2321 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 227 1600 SH OTR 1600 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 9160 344734 SH SOLE 328894 2150 13690 GENERAL ELECTRIC CORP COMMON STOCK 369604103 3892 146490 SH OTR 130031 6334 10125 GENERAL MLS INC COMMON STOCK 370334104 1946 34928 SH SOLE 34228 0 700 GENERAL MLS INC COMMON STOCK 370334104 764 13712 SH OTR 10207 500 3005 GILEAD SCIENCES INC COMMON STOCK 375558103 1458 12456 SH SOLE 9456 0 3000 GILEAD SCIENCES INC COMMON STOCK 375558103 175 1495 SH OTR 1495 0 0 GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 1089 26143 SH SOLE 25663 125 355 GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 310 7445 SH OTR 6590 355 500 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 2174 10413 SH SOLE 10283 65 65 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 780 3738 SH OTR 3728 10 0 GOOGLE INC CL A COMMON STOCK 38259P508 2555 4732 SH SOLE 4498 14 220 GOOGLE INC CL A COMMON STOCK 38259P508 459 850 SH OTR 850 0 0 GOOGLE INC CLASS C COMMON STOCK 38259P706 2487 4778 SH SOLE 4538 20 220 GOOGLE INC CLASS C COMMON STOCK 38259P706 440 846 SH OTR 846 0 0 GRAINGER W W INC COMMON STOCK 384802104 2019 8533 SH SOLE 8433 0 100 GRAINGER W W INC COMMON STOCK 384802104 678 2865 SH OTR 1995 0 870 HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 1253 16848 SH SOLE 16292 0 556 HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 111 1496 SH OTR 1461 0 35 HEWLETT PACKARD CO COMMON STOCK 428236103 144 4812 SH SOLE 3658 0 1154 HEWLETT PACKARD CO COMMON STOCK 428236103 143 4756 SH OTR 3956 0 800 HOME DEPOT INC COMMON STOCK 437076102 780 7017 SH SOLE 6255 0 762 HOME DEPOT INC COMMON STOCK 437076102 662 5960 SH OTR 5760 0 200 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2486 24384 SH SOLE 22403 0 1981 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 676 6633 SH OTR 3562 2063 1008 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1668 18173 SH SOLE 17948 0 225 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 211 2302 SH OTR 1552 750 0 INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 1496 27679 SH SOLE 27159 0 520 INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 191 3536 SH OTR 2207 0 1329 INTEL CORP COMMON STOCK 458140100 7017 230712 SH SOLE 221979 3250 5483 INTEL CORP COMMON STOCK 458140100 1669 54872 SH OTR 51382 2490 1000 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 8902 54726 SH SOLE 50629 665 3432 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2684 16498 SH OTR 14953 120 1425 ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 1185 40471 SH SOLE 40463 0 8 ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 303 10343 SH OTR 10134 200 9 ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 11230 30435 SH SOLE 29231 105 1099 ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 1893 5130 SH OTR 5030 50 50 JM SMUCKER CO COMMON STOCK 832696405 119 1099 SH SOLE 1006 0 93 JM SMUCKER CO COMMON STOCK 832696405 220 2030 SH OTR 1426 600 4 JOHNSON & JOHNSON COMMON STOCK 478160104 13256 136016 SH SOLE 125925 1012 9079 JOHNSON & JOHNSON COMMON STOCK 478160104 3884 39850 SH OTR 34295 1320 4235 JP MORGAN CHASE & CO COMMON STOCK 46625H100 9433 139205 SH SOLE 132865 325 6015 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3470 51217 SH OTR 46017 2940 2260 KBW BANK ETF COMMON STOCK 78464A797 224 6167 SH SOLE 6135 0 32 KBW BANK ETF COMMON STOCK 78464A797 41 1128 SH OTR 1028 0 100 KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 2338 52947 SH SOLE 52242 200 505 KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 280 6345 SH OTR 6075 170 100 KIMBERLY CLARK CORP COMMON STOCK 494368103 627 5915 SH SOLE 5865 0 50 KIMBERLY CLARK CORP COMMON STOCK 494368103 185 1746 SH OTR 1625 121 0 KOHLS CORP COMMON STOCK 500255104 150 2395 SH SOLE 2395 0 0 KOHLS CORP COMMON STOCK 500255104 53 850 SH OTR 850 0 0 KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 369 4333 SH SOLE 4204 0 129 KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 639 7506 SH OTR 7184 46 276 LILLY ELI & CO COMMON STOCK 532457108 580 6951 SH SOLE 6423 0 528 LILLY ELI & CO COMMON STOCK 532457108 585 7010 SH OTR 5985 0 1025 LOCKHEED MARTIN CORP COMMON STOCK 539830109 3142 16901 SH SOLE 16186 0 715 LOCKHEED MARTIN CORP COMMON STOCK 539830109 859 4621 SH OTR 4585 36 0 LOWES COS INC COMMON STOCK 548661107 7286 108791 SH SOLE 107926 175 690 LOWES COS INC COMMON STOCK 548661107 1812 27055 SH OTR 26120 235 700 M & T BANK CORP COMMON STOCK 55261F104 62 500 SH SOLE 500 0 0 M & T BANK CORP COMMON STOCK 55261F104 412 3300 SH OTR 1200 2100 0 MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 264 3600 SH SOLE 0 0 3600 MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 2343 42502 SH SOLE 40736 185 1581 MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 640 11604 SH OTR 11379 125 100 MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 2116 43730 SH SOLE 41010 110 2610 MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 238 4919 SH OTR 2944 751 1224 MCDONALDS CORP COMMON STOCK 580135101 7617 80123 SH SOLE 77896 965 1262 MCDONALDS CORP COMMON STOCK 580135101 1944 20444 SH OTR 19269 575 600 MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 221 2200 SH SOLE 0 0 2200 MERCK & CO INC COMMON STOCK 58933Y105 3477 61069 SH SOLE 58843 850 1376 MERCK & CO INC COMMON STOCK 58933Y105 1363 23933 SH OTR 21795 188 1950 METLIFE INC COMMON STOCK 59156R108 673 12016 SH SOLE 12016 0 0 METLIFE INC COMMON STOCK 59156R108 117 2088 SH OTR 1588 500 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 1624 34244 SH SOLE 33744 0 500 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 431 9080 SH OTR 6955 800 1325 MICROSOFT CORP COMMON STOCK 594918104 8982 203454 SH SOLE 198203 650 4601 MICROSOFT CORP COMMON STOCK 594918104 2498 56573 SH OTR 50025 4848 1700 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 595 14452 SH SOLE 13769 0 683 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 831 20204 SH OTR 19236 138 830 MONSANTO CO COMMON STOCK 61166W101 1675 15713 SH SOLE 14642 145 926 MONSANTO CO COMMON STOCK 61166W101 389 3645 SH OTR 3575 70 0 NBT BANCORP INC COMMON STOCK 628778102 7397 282666 SH SOLE 146464 0 136202 NBT BANCORP INC COMMON STOCK 628778102 1974 75442 SH OTR 72542 500 2400 NEXTERA ENERGY INC COMMON STOCK 65339F101 2570 26215 SH SOLE 23690 0 2525 NEXTERA ENERGY INC COMMON STOCK 65339F101 1111 11329 SH OTR 7694 750 2885 NIKE INC-CLASS B COMMON STOCK 654106103 3181 29449 SH SOLE 28949 0 500 NIKE INC-CLASS B COMMON STOCK 654106103 809 7485 SH OTR 5485 0 2000 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1298 14857 SH SOLE 13257 0 1600 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 603 6904 SH OTR 5704 0 1200 NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 2977 30274 SH SOLE 29894 95 285 NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 1229 12495 SH OTR 10795 165 1535 NUCOR CORP COMMON STOCK 670346105 196 4452 SH SOLE 4452 0 0 NUCOR CORP COMMON STOCK 670346105 148 3350 SH OTR 2350 0 1000 ORACLE CORPORATION COMMON STOCK 68389X105 3963 98332 SH SOLE 96332 0 2000 ORACLE CORPORATION COMMON STOCK 68389X105 1380 34243 SH OTR 33487 756 0 PEPSICO INC COMMON STOCK 713448108 10115 108370 SH SOLE 106885 400 1085 PEPSICO INC COMMON STOCK 713448108 2381 25504 SH OTR 23324 770 1410 PFIZER INC COMMON STOCK 717081103 6243 186204 SH SOLE 183700 0 2504 PFIZER INC COMMON STOCK 717081103 2311 68913 SH OTR 64054 1920 2939 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1291 16104 SH SOLE 15229 0 875 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2976 37125 SH OTR 35775 150 1200 PHILLIPS 66 COMMON STOCK 718546104 215 2664 SH SOLE 2509 155 0 PHILLIPS 66 COMMON STOCK 718546104 8 100 SH OTR 50 50 0 PRAXAIR INC COMMON STOCK 74005P104 1865 15596 SH SOLE 15346 0 250 PRAXAIR INC COMMON STOCK 74005P104 724 6060 SH OTR 4935 0 1125 PROCTER & GAMBLE CO COMMON STOCK 742718109 11370 145316 SH SOLE 136392 1344 7580 PROCTER & GAMBLE CO COMMON STOCK 742718109 4020 51375 SH OTR 44059 2566 4750 PRUDENTIAL FINL INC COMMON STOCK 744320102 3418 39052 SH SOLE 38662 190 200 PRUDENTIAL FINL INC COMMON STOCK 744320102 1088 12434 SH OTR 12084 150 200 PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 193 4902 SH SOLE 4502 400 0 PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 170 4340 SH OTR 4340 0 0 QUALCOMM INC COMMON STOCK 747525103 3932 62777 SH SOLE 62127 350 300 QUALCOMM INC COMMON STOCK 747525103 1024 16350 SH OTR 15505 245 600 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 224 1800 SH SOLE 1600 0 200 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 22 175 SH OTR 175 0 0 SIGMA ALDRICH CORP COMMON STOCK 826552101 310 2222 SH SOLE 2222 0 0 SKYWORKS SOLUTIONS INC COMMON STOCK 83088M102 291 2800 SH SOLE 0 0 2800 SOUTHERN COMPANY COMMON STOCK 842587107 1213 28939 SH SOLE 28439 200 300 SOUTHERN COMPANY COMMON STOCK 842587107 865 20645 SH OTR 17245 2000 1400 ST JUDE MEDICAL INC COMMON STOCK 790849103 311 4251 SH SOLE 4251 0 0 ST JUDE MEDICAL INC COMMON STOCK 790849103 23 315 SH OTR 315 0 0 STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 414 5103 SH SOLE 5103 0 0 STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 121 1490 SH OTR 1490 0 0 STRYKER CORPORATION COMMON STOCK 863667101 468 4902 SH SOLE 4902 0 0 STRYKER CORPORATION COMMON STOCK 863667101 19 200 SH OTR 200 0 0 SYSCO CORP COMMON STOCK 871829107 359 9955 SH SOLE 9955 0 0 SYSCO CORP COMMON STOCK 871829107 293 8110 SH OTR 7410 0 700 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 5059 65090 SH SOLE 64325 160 605 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1226 15770 SH OTR 15175 295 300 TARGET CORP COMMON STOCK 87612E106 5491 67264 SH SOLE 63499 210 3555 TARGET CORP COMMON STOCK 87612E106 1251 15325 SH OTR 14160 440 725 TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 2190 52893 SH SOLE 51818 325 750 TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 274 6629 SH OTR 5594 700 335 TEXTRON INC COMMON STOCK 883203101 868 19440 SH SOLE 19440 0 0 THE MOSAIC COMPANY COMMON STOCK 61945C103 426 9094 SH SOLE 9094 0 0 THE MOSAIC COMPANY COMMON STOCK 61945C103 447 9531 SH OTR 9446 85 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 251 1937 SH SOLE 437 0 1500 TJX COS INC COMMON STOCK 872540109 2277 34409 SH SOLE 31891 300 2218 TJX COS INC COMMON STOCK 872540109 516 7795 SH OTR 7625 170 0 TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 1169 8743 SH SOLE 8563 45 135 TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 326 2441 SH OTR 2366 75 0 UNION PAC CORP COMMON STOCK 907818108 4944 51837 SH SOLE 50477 0 1360 UNION PAC CORP COMMON STOCK 907818108 1908 20004 SH OTR 17984 0 2020 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 730 7528 SH SOLE 6428 100 1000 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 106 1095 SH OTR 1095 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 8292 74746 SH SOLE 71361 375 3010 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2686 24212 SH OTR 20247 2015 1950 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3396 27838 SH SOLE 26798 0 1040 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 967 7925 SH OTR 7650 150 125 US BANCORP NEW COMMON STOCK 902973304 2542 58568 SH SOLE 55227 180 3161 US BANCORP NEW COMMON STOCK 902973304 221 5091 SH OTR 4121 470 500 UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 2747 66257 SH SOLE 64020 157 2080 UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 749 18071 SH OTR 17068 512 491 V.F. CORP COMMON STOCK 918204108 224 3212 SH SOLE 3212 0 0 VANGUARD REIT ETF COMMON STOCK 922908553 1588 21260 SH SOLE 21260 0 0 VANGUARD REIT ETF COMMON STOCK 922908553 243 3255 SH OTR 2766 489 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4865 104372 SH SOLE 96837 2754 4781 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2222 47664 SH OTR 39262 5016 3386 WAL MART STORES INC COMMON STOCK 931142103 2321 32727 SH SOLE 32261 0 466 WAL MART STORES INC COMMON STOCK 931142103 808 11393 SH OTR 10702 191 500 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 1891 22393 SH SOLE 21638 150 605 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 114 1354 SH OTR 905 145 304 WELLS FARGO & CO COMMON STOCK 949746101 7664 136274 SH SOLE 131941 160 4173 WELLS FARGO & CO COMMON STOCK 949746101 2338 41572 SH OTR 36418 735 4419 WGL HLDGS INC COMMON STOCK 92924F106 251 4630 SH SOLE 4630 0 0 WGL HLDGS INC COMMON STOCK 92924F106 130 2400 SH OTR 0 2400 0 WILLIAMS COS INC COMMON STOCK 969457100 292 5080 SH SOLE 5080 0 0 WILLIAMS COS INC COMMON STOCK 969457100 88 1531 SH OTR 1531 0 0 WR GRACE & CO COMMON STOCK 38388F108 602 6000 SH OTR 0 0 6000 XCEL ENERGY INC COMMON STOCK 98389B100 201 6237 SH SOLE 3086 651 2500 XCEL ENERGY INC COMMON STOCK 98389B100 25 775 SH OTR 775 0 0 XYLEM INC COMMON STOCK 98419M100 683 18432 SH SOLE 18432 0 0 XYLEM INC COMMON STOCK 98419M100 136 3668 SH OTR 3618 50 0 YUM! BRANDS INC COMMON STOCK 988498101 1610 17874 SH SOLE 17764 110 0 YUM! BRANDS INC COMMON STOCK 988498101 233 2590 SH OTR 1760 130 700 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 349 3196 SH SOLE 2726 120 350 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 214 1963 SH OTR 1760 123 80 3M CO COMMON STOCK 88579Y101 3031 19644 SH SOLE 18354 525 765 3M CO COMMON STOCK 88579Y101 503 3262 SH OTR 2482 80 700 BP PLC SPONS ADR COMMON STOCK 055622104 79 1988 SH SOLE 1988 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 187 4676 SH OTR 4676 0 0 NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 529 9660 SH SOLE 9660 0 0 ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 14 245 SH SOLE 245 0 0 ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 271 4761 SH OTR 4511 0 250 EATON CORP PLC COMMON STOCK G29183103 334 4956 SH SOLE 4956 0 0 EATON CORP PLC COMMON STOCK G29183103 399 5906 SH OTR 4831 0 1075 INGERSOLL-RAND PLC COMMON STOCK G47791101 155 2300 SH SOLE 2300 0 0 INGERSOLL-RAND PLC COMMON STOCK G47791101 688 10200 SH OTR 10200 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 2243 30276 SH SOLE 30116 0 160 MEDTRONIC PLC COMMON STOCK G5960L103 699 9427 SH OTR 9356 71 0 SCHLUMBERGER LTD COMMON STOCK 806857108 5728 66453 SH SOLE 64029 95 2329 SCHLUMBERGER LTD COMMON STOCK 806857108 1152 13361 SH OTR 13076 160 125 SUNCOR ENERGY INC COMMON STOCK 867224107 395 14338 SH SOLE 13120 0 1218 SUNCOR ENERGY INC COMMON STOCK 867224107 50 1830 SH OTR 1830 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 1755 41287 SH SOLE 40387 0 900 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 3566 23779 SH SOLE 0 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 342 2282 SH OTR 0 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 7198 113379 SH SOLE 0 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 676 10651 SH OTR 0 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 4658 117578 SH SOLE 0 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 377 9505 SH OTR 0 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 10160 81369 SH SOLE 0 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 508 4065 SH OTR 0 0 0 ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 42 250 SH SOLE 0 0 0 ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 195 1150 SH OTR 0 0 0 POWERSHARES QQQ TRUST OTHER 73935A104 288 2694 SH SOLE 0 0 0 POWERSHARES QQQ TRUST OTHER 73935A104 16 147 SH OTR 0 0 0 SPDR DJIA TRUST OTHER 78467X109 1839 10458 SH SOLE 0 0 0 SPDR DJIA TRUST OTHER 78467X109 440 2505 SH OTR 0 0 0 SPDR S&P DIVIDEND ETF OTHER 78464A763 3693 48460 SH SOLE 0 0 0 SPDR S&P DIVIDEND ETF OTHER 78464A763 636 8350 SH OTR 0 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 14504 53091 SH SOLE 0 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 900 3293 SH OTR 0 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 5089 24723 SH SOLE 0 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 691 3358 SH OTR 0 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 1587 38823 SH SOLE 0 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 315 7695 SH OTR 0 0 0 VANGUARD LARGE-CAP ETF OTHER 922908637 154 1620 SH SOLE 0 0 0 VANGUARD LARGE-CAP ETF OTHER 922908637 132 1390 SH OTR 0 0 0 VANGUARD MSCI EAFE ETF OTHER 921943858 10 258 SH SOLE 0 0 0 VANGUARD MSCI EAFE ETF OTHER 921943858 225 5685 SH OTR 0 0 0 VANGUARD RUSSELL 2000 OTHER 92206C664 744 7430 SH SOLE 0 0 0 ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 268 2548 SH SOLE 0 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 344 4055 SH SOLE 0 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 3 38 SH OTR 0 0 0 ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 409 3898 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 562 5162 SH SOLE 0 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 2510 64085 SH SOLE 0 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 309 7896 SH OTR 0 0 0 SPDR BARCLAYS I/T CORP BD ETF OTHER 78464A375 1284 37816 SH SOLE 0 0 0 VANGUARD INTER TERM CORP BOND OTHER 92206C870 1071 12559 SH SOLE 0 0 0 VANGUARD INTER TERM CORP BOND OTHER 92206C870 226 2650 SH OTR 0 0 0 VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 352 4200 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 265 3257 SH SOLE 0 0 0