ABBOTT LABS COMMON STOCK 002824100 3873 96298 SH SOLE 93244 100 2954 ABBOTT LABS COMMON STOCK 002824100 748 18604 SH OTR 16106 1648 850 ABBVIE INC COMMON STOCK 00287Y109 3710 68195 SH SOLE 63929 100 4166 ABBVIE INC COMMON STOCK 00287Y109 839 15417 SH OTR 13017 1700 700 ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 451 14598 SH SOLE 14598 0 0 ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 253 8185 SH OTR 8185 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1402 10986 SH SOLE 10986 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 397 3115 SH OTR 3115 0 0 ALCOA INC COMMON STOCK 013817101 34 3566 SH SOLE 2800 0 766 ALCOA INC COMMON STOCK 013817101 65 6740 SH OTR 6525 0 215 ALLSTATE CORP COMMON STOCK 020002101 64 1093 SH SOLE 1093 0 0 ALLSTATE CORP COMMON STOCK 020002101 205 3522 SH OTR 3522 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 1217 22369 SH SOLE 20994 0 1375 ALTRIA GROUP INC COMMON STOCK 02209S103 2293 42150 SH OTR 40050 200 1900 AMAZON.COM INC COMMON STOCK 023135106 208 407 SH SOLE 383 24 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 1856 25036 SH SOLE 23900 100 1036 AMERICAN EXPRESS CO COMMON STOCK 025816109 881 11880 SH OTR 10380 0 1500 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 1033 18759 SH SOLE 18359 0 400 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 698 12665 SH OTR 7420 0 5245 AMGEN INC COMMON STOCK 031162100 495 3578 SH SOLE 3578 0 0 AMGEN INC COMMON STOCK 031162100 98 710 SH OTR 710 0 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 148 2450 SH SOLE 1750 0 700 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 139 2300 SH OTR 2000 0 300 APACHE CORP COMMON STOCK 037411105 1004 25648 SH SOLE 25648 0 0 APACHE CORP COMMON STOCK 037411105 91 2335 SH OTR 1785 0 550 APPLE INC COMMON STOCK 037833100 11728 106324 SH SOLE 99270 555 6499 APPLE INC COMMON STOCK 037833100 3488 31623 SH OTR 30718 755 150 ARROW FINL CORP COMMON STOCK 042744102 214 8003 SH SOLE 8003 0 0 AT&T INC COMMON STOCK 00206R102 3800 116644 SH SOLE 113743 750 2151 AT&T INC COMMON STOCK 00206R102 1496 45912 SH OTR 40345 105 5462 AUTOLIV INC COMMON STOCK 052800109 1484 13614 SH SOLE 12664 0 950 AUTOLIV INC COMMON STOCK 052800109 1468 13469 SH OTR 13469 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3933 48938 SH SOLE 48358 0 580 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 800 9955 SH OTR 8210 100 1645 BANK OF AMERICA CORP COMMON STOCK 060505104 158 10114 SH SOLE 9495 0 619 BANK OF AMERICA CORP COMMON STOCK 060505104 225 14432 SH OTR 13975 0 457 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 146 3730 SH SOLE 3730 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 378 9651 SH OTR 9151 0 500 BAXALTA INC COMMON STOCK 07177M103 213 6759 SH SOLE 6559 0 200 BAXALTA INC COMMON STOCK 07177M103 123 3889 SH OTR 2129 0 1760 BAXTER INTL INC COMMON STOCK 071813109 366 11127 SH SOLE 10927 0 200 BAXTER INTL INC COMMON STOCK 071813109 131 3989 SH OTR 2229 0 1760 BECTON DICKINSON COMMON STOCK 075887109 314 2365 SH SOLE 2365 0 0 BECTON DICKINSON COMMON STOCK 075887109 159 1200 SH OTR 1200 0 0 BED BATH & BEYOND INC COMMON STOCK 075896100 266 4668 SH SOLE 4668 0 0 BED BATH & BEYOND INC COMMON STOCK 075896100 23 400 SH OTR 400 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3391 26003 SH SOLE 25693 110 200 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1148 8806 SH OTR 8636 20 150 BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 161 5077 SH SOLE 4417 50 610 BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 98 3100 SH OTR 3100 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 149 500 SH SOLE 0 0 500 BLACKROCK INC CL A COMMON STOCK 09247X101 62 210 SH OTR 210 0 0 BOEING CO COMMON STOCK 097023105 1721 13144 SH SOLE 12099 0 1045 BOEING CO COMMON STOCK 097023105 1228 9381 SH OTR 9381 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5526 93348 SH SOLE 85178 4450 3720 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2007 33905 SH OTR 30361 1519 2025 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 270 3726 SH SOLE 3726 0 0 CATERPILLAR INC COMMON STOCK 149123101 1498 22913 SH SOLE 22423 240 250 CATERPILLAR INC COMMON STOCK 149123101 735 11250 SH OTR 10805 145 300 CELGENE CORP COMMON STOCK 151020104 793 7328 SH SOLE 5278 50 2000 CELGENE CORP COMMON STOCK 151020104 204 1890 SH OTR 1890 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 6524 82710 SH SOLE 78987 1875 1848 CHEVRON CORPORATION COMMON STOCK 166764100 2258 28621 SH OTR 25739 1060 1822 CHURCH & DWIGHT INC COMMON STOCK 171340102 299 3558 SH SOLE 3558 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 3874 147579 SH SOLE 142439 250 4890 CISCO SYSTEMS INC COMMON STOCK 17275R102 1108 42198 SH OTR 41703 495 0 CITIGROUP INC COMMON STOCK 172967424 313 6303 SH SOLE 6283 0 20 CITIGROUP INC COMMON STOCK 172967424 173 3491 SH OTR 3451 0 40 CLOROX COMPANY COMMON STOCK 189054109 1886 16329 SH SOLE 16129 0 200 CLOROX COMPANY COMMON STOCK 189054109 742 6420 SH OTR 4580 0 1840 COCA COLA CO COMMON STOCK 191216100 2736 68207 SH SOLE 61607 1400 5200 COCA COLA CO COMMON STOCK 191216100 1503 37465 SH OTR 30345 0 7120 COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 346 5520 SH SOLE 5370 150 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 3081 48554 SH SOLE 42394 1850 4310 COLGATE PALMOLIVE CO COMMON STOCK 194162103 2072 32643 SH OTR 29843 0 2800 COMCAST CORP-CL A COMMON STOCK 20030N101 739 12984 SH SOLE 11869 0 1115 COMCAST CORP-CL A COMMON STOCK 20030N101 86 1506 SH OTR 706 200 600 CONOCOPHILLIPS COMMON STOCK 20825C104 2430 50662 SH SOLE 47084 425 3153 CONOCOPHILLIPS COMMON STOCK 20825C104 236 4928 SH OTR 4528 400 0 CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 1644 22139 SH SOLE 20239 0 1900 CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 195 2627 SH OTR 2212 280 135 CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 919 19471 SH SOLE 18399 0 1072 CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 111 2355 SH OTR 2065 100 190 CORNING INC COMMON STOCK 219350105 212 12388 SH SOLE 12388 0 0 CORNING INC COMMON STOCK 219350105 142 8310 SH OTR 7610 700 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 140 970 SH SOLE 970 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 118 815 SH OTR 525 0 290 CSX CORP COMMON STOCK 126408103 121 4505 SH SOLE 4505 0 0 CSX CORP COMMON STOCK 126408103 107 3980 SH OTR 3980 0 0 CVS HEALTH CORP COMMON STOCK 126650100 4605 47731 SH SOLE 47731 0 0 CVS HEALTH CORP COMMON STOCK 126650100 1267 13129 SH OTR 11989 240 900 DANAHER CORP COMMON STOCK 235851102 4796 56282 SH SOLE 53337 125 2820 DANAHER CORP COMMON STOCK 235851102 1262 14812 SH OTR 12942 280 1590 DEERE & CO COMMON STOCK 244199105 363 4910 SH SOLE 4850 60 0 DEERE & CO COMMON STOCK 244199105 406 5490 SH OTR 5490 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 6286 61505 SH SOLE 60830 125 550 DISNEY WALT CO NEW COMMON STOCK 254687106 2078 20333 SH OTR 19113 220 1000 DOMINION RESOURCES INC COMMON STOCK 25746U109 2639 37499 SH SOLE 36099 300 1100 DOMINION RESOURCES INC COMMON STOCK 25746U109 1194 16967 SH OTR 11542 1200 4225 DOW CHEMICAL COMPANY COMMON STOCK 260543103 592 13955 SH SOLE 13955 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 736 17367 SH OTR 15967 0 1400 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2542 52735 SH SOLE 50820 0 1915 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1827 37901 SH OTR 33491 175 4235 DUKE ENERGY CORP COMMON STOCK 26441C204 181 2514 SH SOLE 1882 566 66 DUKE ENERGY CORP COMMON STOCK 26441C204 173 2404 SH OTR 1486 666 252 ECOLAB INC COMMON STOCK 278865100 1795 16363 SH SOLE 16063 0 300 ECOLAB INC COMMON STOCK 278865100 368 3355 SH OTR 1935 0 1420 EMC CORP MASS COMMON STOCK 268648102 1640 67895 SH SOLE 64510 0 3385 EMC CORP MASS COMMON STOCK 268648102 590 24416 SH OTR 21241 975 2200 EMERSON ELEC CO COMMON STOCK 291011104 803 18183 SH SOLE 17183 800 200 EMERSON ELEC CO COMMON STOCK 291011104 290 6565 SH OTR 6565 0 0 ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 906 14807 SH SOLE 14097 0 710 ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 76 1246 SH OTR 1013 80 153 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 419 16845 SH SOLE 11845 0 5000 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 97 3880 SH OTR 3880 0 0 EXELON CORP COMMON STOCK 30161N101 148 4979 SH SOLE 4979 0 0 EXELON CORP COMMON STOCK 30161N101 152 5119 SH OTR 4119 150 850 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 165 3510 SH SOLE 3310 0 200 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 96 2040 SH OTR 2040 0 0 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 1505 18587 SH SOLE 17883 150 554 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 211 2611 SH OTR 2456 0 155 EXXONMOBIL CORP COMMON STOCK 30231G102 12553 168832 SH SOLE 162882 1325 4625 EXXONMOBIL CORP COMMON STOCK 30231G102 6424 86408 SH OTR 82861 922 2625 FACEBOOK INC-A COMMON STOCK 30303M102 214 2375 SH SOLE 2280 60 35 FACEBOOK INC-A COMMON STOCK 30303M102 18 200 SH OTR 200 0 0 FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 1260 55598 SH SOLE 53386 712 1500 FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 150 6617 SH OTR 4692 1025 900 FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 112 10924 SH SOLE 6366 0 4558 FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 82 8000 SH OTR 8000 0 0 FISERV INC COMMON STOCK 337738108 2400 27711 SH SOLE 26841 150 720 FISERV INC COMMON STOCK 337738108 56 641 SH OTR 641 0 0 FOOT LOCKER INC COMMON STOCK 344849104 223 3100 SH SOLE 0 0 3100 FORTUNE BRANDS INC COMMON STOCK 34964C106 244 5144 SH OTR 5144 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 306 2216 SH SOLE 2216 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 221 1600 SH OTR 1600 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 8197 325017 SH SOLE 309851 2150 13016 GENERAL ELECTRIC CORP COMMON STOCK 369604103 3643 144450 SH OTR 128291 6334 9825 GENERAL MLS INC COMMON STOCK 370334104 1950 34737 SH SOLE 34037 0 700 GENERAL MLS INC COMMON STOCK 370334104 732 13042 SH OTR 9537 500 3005 GILEAD SCIENCES INC COMMON STOCK 375558103 1243 12656 SH SOLE 9656 0 3000 GILEAD SCIENCES INC COMMON STOCK 375558103 107 1090 SH OTR 1090 0 0 GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 652 16950 SH SOLE 16470 125 355 GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 278 7242 SH OTR 6387 355 500 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1141 6565 SH SOLE 6435 65 65 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 646 3716 SH OTR 3706 10 0 GOOGLE INC CL A COMMON STOCK 38259P508 2659 4166 SH SOLE 3932 14 220 GOOGLE INC CL A COMMON STOCK 38259P508 539 844 SH OTR 844 0 0 GOOGLE INC CLASS C COMMON STOCK 38259P706 2586 4251 SH SOLE 4011 20 220 GOOGLE INC CLASS C COMMON STOCK 38259P706 541 890 SH OTR 890 0 0 GRAINGER W W INC COMMON STOCK 384802104 1678 7804 SH SOLE 7704 0 100 GRAINGER W W INC COMMON STOCK 384802104 616 2865 SH OTR 1995 0 870 HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 1054 15909 SH SOLE 15397 0 512 HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 75 1131 SH OTR 1131 0 0 HEWLETT PACKARD CO COMMON STOCK 428236103 123 4812 SH SOLE 3658 0 1154 HEWLETT PACKARD CO COMMON STOCK 428236103 122 4756 SH OTR 3956 0 800 HOME DEPOT INC COMMON STOCK 437076102 909 7874 SH SOLE 6359 0 1515 HOME DEPOT INC COMMON STOCK 437076102 688 5960 SH OTR 5760 0 200 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2235 23606 SH SOLE 21625 0 1981 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 628 6633 SH OTR 3562 2063 1008 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1469 17845 SH SOLE 17620 0 225 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 189 2302 SH OTR 1552 750 0 INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 1325 26555 SH SOLE 26088 0 467 INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 157 3147 SH OTR 1847 0 1300 INTEL CORP COMMON STOCK 458140100 6858 227544 SH SOLE 219024 3250 5270 INTEL CORP COMMON STOCK 458140100 1636 54287 SH OTR 50797 2490 1000 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 5815 40112 SH SOLE 36002 665 3445 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2117 14605 SH OTR 13160 20 1425 ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 715 26486 SH SOLE 26486 0 0 ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 279 10334 SH OTR 10134 200 0 ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 7829 25809 SH SOLE 24862 105 842 ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 1374 4530 SH OTR 4435 45 50 JM SMUCKER CO COMMON STOCK 832696405 94 824 SH SOLE 731 0 93 JM SMUCKER CO COMMON STOCK 832696405 232 2030 SH OTR 1426 600 4 JOHNSON & JOHNSON COMMON STOCK 478160104 12264 131376 SH SOLE 122100 1012 8264 JOHNSON & JOHNSON COMMON STOCK 478160104 3717 39820 SH OTR 34265 1320 4235 JP MORGAN CHASE & CO COMMON STOCK 46625H100 8003 131259 SH SOLE 125119 325 5815 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3064 50247 SH OTR 45047 2940 2260 KBW BANK ETF COMMON STOCK 78464A797 209 6277 SH SOLE 6277 0 0 KBW BANK ETF COMMON STOCK 78464A797 42 1251 SH OTR 1151 0 100 KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 2163 52514 SH SOLE 51839 200 475 KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 257 6237 SH OTR 6037 100 100 KIMBERLY CLARK CORP COMMON STOCK 494368103 605 5550 SH SOLE 5500 0 50 KIMBERLY CLARK CORP COMMON STOCK 494368103 190 1746 SH OTR 1625 121 0 KRAFT HEINZ CO COMMON STOCK 500754106 279 3953 SH SOLE 3864 0 89 KRAFT HEINZ CO COMMON STOCK 500754106 530 7506 SH OTR 7184 46 276 LILLY ELI & CO COMMON STOCK 532457108 565 6747 SH SOLE 6219 0 528 LILLY ELI & CO COMMON STOCK 532457108 587 7010 SH OTR 5985 0 1025 LOCKHEED MARTIN CORP COMMON STOCK 539830109 3155 15218 SH SOLE 14503 0 715 LOCKHEED MARTIN CORP COMMON STOCK 539830109 828 3996 SH OTR 3960 36 0 LOWES COS INC COMMON STOCK 548661107 7196 104413 SH SOLE 103548 175 690 LOWES COS INC COMMON STOCK 548661107 1855 26920 SH OTR 25985 235 700 M & T BANK CORP COMMON STOCK 55261F104 61 500 SH SOLE 500 0 0 M & T BANK CORP COMMON STOCK 55261F104 402 3300 SH OTR 1200 2100 0 MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 216 3600 SH SOLE 0 0 3600 MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 1535 33494 SH SOLE 31733 185 1576 MARKET VECTORS AGRIBUSINESS COMMON STOCK 57060U605 528 11514 SH OTR 11289 125 100 MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 1364 34167 SH SOLE 31470 110 2587 MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 196 4900 SH OTR 2944 751 1205 MCDONALDS CORP COMMON STOCK 580135101 7472 75834 SH SOLE 73668 965 1201 MCDONALDS CORP COMMON STOCK 580135101 2006 20359 SH OTR 19184 575 600 MERCK & CO INC COMMON STOCK 58933Y105 2991 60568 SH SOLE 58342 850 1376 MERCK & CO INC COMMON STOCK 58933Y105 1156 23408 SH OTR 21295 188 1925 METLIFE INC COMMON STOCK 59156R108 555 11766 SH SOLE 11766 0 0 METLIFE INC COMMON STOCK 59156R108 98 2088 SH OTR 1588 500 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 1502 34864 SH SOLE 34364 0 500 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 383 8895 SH OTR 6770 800 1325 MICROSOFT CORP COMMON STOCK 594918104 8530 192723 SH SOLE 187658 650 4415 MICROSOFT CORP COMMON STOCK 594918104 2497 56423 SH OTR 49875 4848 1700 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 585 13967 SH SOLE 13284 0 683 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 846 20204 SH OTR 19236 138 830 MONSANTO CO COMMON STOCK 61166W101 1325 15521 SH SOLE 14449 145 927 MONSANTO CO COMMON STOCK 61166W101 306 3590 SH OTR 3520 70 0 NBT BANCORP INC COMMON STOCK 628778102 7650 283967 SH SOLE 162816 0 121151 NBT BANCORP INC COMMON STOCK 628778102 2006 74457 SH OTR 71557 500 2400 NEXTERA ENERGY INC COMMON STOCK 65339F101 2486 25487 SH SOLE 22962 0 2525 NEXTERA ENERGY INC COMMON STOCK 65339F101 1061 10879 SH OTR 7344 750 2785 NIKE INC-CLASS B COMMON STOCK 654106103 3274 26622 SH SOLE 26272 0 350 NIKE INC-CLASS B COMMON STOCK 654106103 896 7285 SH OTR 5285 0 2000 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 888 11624 SH SOLE 10224 0 1400 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 525 6874 SH OTR 5674 0 1200 NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 2774 30176 SH SOLE 29796 95 285 NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 1145 12455 SH OTR 10795 125 1535 NUCOR CORP COMMON STOCK 670346105 163 4352 SH SOLE 4352 0 0 NUCOR CORP COMMON STOCK 670346105 147 3925 SH OTR 2925 0 1000 ORACLE CORPORATION COMMON STOCK 68389X105 2599 71966 SH SOLE 69966 0 2000 ORACLE CORPORATION COMMON STOCK 68389X105 1222 33835 SH OTR 33079 756 0 PEPSICO INC COMMON STOCK 713448108 9711 102978 SH SOLE 101583 400 995 PEPSICO INC COMMON STOCK 713448108 2371 25140 SH OTR 22960 770 1410 PFIZER INC COMMON STOCK 717081103 5397 171818 SH SOLE 169314 0 2504 PFIZER INC COMMON STOCK 717081103 2169 69063 SH OTR 64254 1920 2889 PG & E CORP COMMON STOCK 69331C108 45 846 SH SOLE 846 0 0 PG & E CORP COMMON STOCK 69331C108 167 3155 SH OTR 3155 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1178 14854 SH SOLE 13979 0 875 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2937 37025 SH OTR 35675 150 1200 PHILLIPS 66 COMMON STOCK 718546104 205 2664 SH SOLE 2509 155 0 PHILLIPS 66 COMMON STOCK 718546104 8 100 SH OTR 50 50 0 PRAXAIR INC COMMON STOCK 74005P104 1557 15285 SH SOLE 15035 0 250 PRAXAIR INC COMMON STOCK 74005P104 607 5960 SH OTR 4835 0 1125 PROCTER & GAMBLE CO COMMON STOCK 742718109 9942 138204 SH SOLE 130255 1344 6605 PROCTER & GAMBLE CO COMMON STOCK 742718109 3686 51237 SH OTR 43921 2566 4750 PRUDENTIAL FINL INC COMMON STOCK 744320102 2316 30385 SH SOLE 29995 190 200 PRUDENTIAL FINL INC COMMON STOCK 744320102 918 12046 SH OTR 11696 150 200 PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 207 4902 SH SOLE 4502 400 0 PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 152 3605 SH OTR 3605 0 0 QUALCOMM INC COMMON STOCK 747525103 2768 51509 SH SOLE 50859 350 300 QUALCOMM INC COMMON STOCK 747525103 875 16276 SH OTR 15431 245 600 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 183 1800 SH SOLE 1600 0 200 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 18 175 SH OTR 175 0 0 SIGMA ALDRICH CORP COMMON STOCK 826552101 308 2215 SH SOLE 2215 0 0 SKYWORKS SOLUTIONS INC COMMON STOCK 83088M102 236 2800 SH SOLE 0 0 2800 SOUTHERN COMPANY COMMON STOCK 842587107 1306 29214 SH SOLE 28714 200 300 SOUTHERN COMPANY COMMON STOCK 842587107 889 19895 SH OTR 16695 2000 1200 ST JUDE MEDICAL INC COMMON STOCK 790849103 269 4266 SH SOLE 4266 0 0 ST JUDE MEDICAL INC COMMON STOCK 790849103 20 315 SH OTR 315 0 0 STARBUCKS CORP COMMON STOCK 855244109 12 216 SH SOLE 216 0 0 STARBUCKS CORP COMMON STOCK 855244109 193 3400 SH OTR 3400 0 0 STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 343 5153 SH SOLE 5153 0 0 STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 92 1390 SH OTR 1390 0 0 STRYKER CORPORATION COMMON STOCK 863667101 461 4902 SH SOLE 4902 0 0 STRYKER CORPORATION COMMON STOCK 863667101 19 200 SH OTR 200 0 0 SYSCO CORP COMMON STOCK 871829107 388 9955 SH SOLE 9955 0 0 SYSCO CORP COMMON STOCK 871829107 313 8035 SH OTR 7410 0 625 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 4143 59608 SH SOLE 58843 160 605 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1096 15770 SH OTR 15175 295 300 TARGET CORP COMMON STOCK 87612E106 4897 62261 SH SOLE 58496 210 3555 TARGET CORP COMMON STOCK 87612E106 1203 15289 SH OTR 14124 440 725 TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 1929 48844 SH SOLE 47919 325 600 TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 258 6544 SH OTR 5594 700 250 TEXTRON INC COMMON STOCK 883203101 732 19440 SH SOLE 19440 0 0 THE MOSAIC COMPANY COMMON STOCK 61945C103 260 8369 SH SOLE 8369 0 0 THE MOSAIC COMPANY COMMON STOCK 61945C103 10 309 SH OTR 224 85 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 237 1937 SH SOLE 437 0 1500 TJX COS INC COMMON STOCK 872540109 1704 23852 SH SOLE 21334 300 2218 TJX COS INC COMMON STOCK 872540109 557 7795 SH OTR 7625 170 0 TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 1021 8709 SH SOLE 8529 45 135 TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 286 2441 SH OTR 2366 75 0 UNION PAC CORP COMMON STOCK 907818108 4375 49482 SH SOLE 48432 0 1050 UNION PAC CORP COMMON STOCK 907818108 1756 19860 SH OTR 17840 0 2020 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 743 7528 SH SOLE 6428 100 1000 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 108 1095 SH OTR 1095 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 6262 70372 SH SOLE 66987 375 3010 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2143 24076 SH OTR 20111 2015 1950 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2869 24729 SH SOLE 23689 0 1040 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 919 7925 SH OTR 7650 150 125 US BANCORP NEW COMMON STOCK 902973304 2376 57943 SH SOLE 54602 180 3161 US BANCORP NEW COMMON STOCK 902973304 205 5001 SH OTR 4031 470 500 UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 2181 50384 SH SOLE 48149 157 2078 UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 776 17933 SH OTR 16996 512 425 V.F. CORP COMMON STOCK 918204108 217 3187 SH SOLE 3187 0 0 VANGUARD REIT ETF COMMON STOCK 922908553 1594 21099 SH SOLE 21099 0 0 VANGUARD REIT ETF COMMON STOCK 922908553 246 3255 SH OTR 2766 489 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4412 101411 SH SOLE 94364 2754 4293 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2049 47089 SH OTR 38687 5016 3386 WAL MART STORES INC COMMON STOCK 931142103 1688 26034 SH SOLE 25568 0 466 WAL MART STORES INC COMMON STOCK 931142103 727 11209 SH OTR 10618 191 400 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 1853 22301 SH SOLE 21546 150 605 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 113 1354 SH OTR 905 145 304 WELLS FARGO & CO COMMON STOCK 949746101 6669 129876 SH SOLE 125540 160 4176 WELLS FARGO & CO COMMON STOCK 949746101 2141 41687 SH OTR 36533 735 4419 WGL HLDGS INC COMMON STOCK 92924F106 248 4300 SH SOLE 4300 0 0 WGL HLDGS INC COMMON STOCK 92924F106 138 2400 SH OTR 0 2400 0 WILLIAMS COS INC COMMON STOCK 969457100 187 5080 SH SOLE 5080 0 0 WILLIAMS COS INC COMMON STOCK 969457100 56 1531 SH OTR 1531 0 0 WR GRACE & CO COMMON STOCK 38388F108 558 6000 SH OTR 0 0 6000 XCEL ENERGY INC COMMON STOCK 98389B100 221 6237 SH SOLE 3086 651 2500 XCEL ENERGY INC COMMON STOCK 98389B100 27 775 SH OTR 775 0 0 XYLEM INC COMMON STOCK 98419M100 409 12440 SH SOLE 12440 0 0 XYLEM INC COMMON STOCK 98419M100 94 2850 SH OTR 2800 50 0 YUM! BRANDS INC COMMON STOCK 988498101 594 7431 SH SOLE 7321 110 0 YUM! BRANDS INC COMMON STOCK 988498101 192 2400 SH OTR 1625 75 700 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 299 3188 SH SOLE 2718 120 350 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 184 1963 SH OTR 1760 123 80 3M CO COMMON STOCK 88579Y101 2758 19455 SH SOLE 18310 525 620 3M CO COMMON STOCK 88579Y101 459 3237 SH OTR 2482 80 675 BP PLC SPONS ADR COMMON STOCK 055622104 57 1874 SH SOLE 1874 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 143 4676 SH OTR 4676 0 0 NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 524 9660 SH SOLE 9660 0 0 ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 12 245 SH SOLE 245 0 0 ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 247 5211 SH OTR 4961 0 250 EATON CORP PLC COMMON STOCK G29183103 236 4596 SH SOLE 4596 0 0 EATON CORP PLC COMMON STOCK G29183103 267 5211 SH OTR 4136 0 1075 INGERSOLL-RAND PLC COMMON STOCK G47791101 117 2300 SH SOLE 2300 0 0 INGERSOLL-RAND PLC COMMON STOCK G47791101 518 10200 SH OTR 10200 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 1632 24377 SH SOLE 24332 0 45 MEDTRONIC PLC COMMON STOCK G5960L103 630 9406 SH OTR 9335 71 0 SCHLUMBERGER LTD COMMON STOCK 806857108 4285 62133 SH SOLE 59708 95 2330 SCHLUMBERGER LTD COMMON STOCK 806857108 922 13361 SH OTR 13076 160 125 SUNCOR ENERGY INC COMMON STOCK 867224107 169 6319 SH SOLE 5097 0 1222 SUNCOR ENERGY INC COMMON STOCK 867224107 49 1830 SH OTR 1830 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 1100 27912 SH SOLE 27012 0 900 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 3224 23600 SH SOLE 0 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 286 2093 SH OTR 0 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 4160 72580 SH SOLE 0 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 592 10331 SH OTR 0 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 2053 62631 SH SOLE 0 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 297 9075 SH OTR 0 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 7070 64741 SH SOLE 0 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 433 3961 SH OTR 0 0 0 ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 39 250 SH SOLE 0 0 0 ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 181 1150 SH OTR 0 0 0 SPDR DJIA TRUST OTHER 78467X109 1266 7785 SH SOLE 0 0 0 SPDR DJIA TRUST OTHER 78467X109 407 2505 SH OTR 0 0 0 SPDR S&P DIVIDEND ETF OTHER 78464A763 9366 129799 SH SOLE 0 0 0 SPDR S&P DIVIDEND ETF OTHER 78464A763 595 8250 SH OTR 0 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 9525 38271 SH SOLE 0 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 778 3124 SH OTR 0 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 4202 21927 SH SOLE 0 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 643 3358 SH OTR 0 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 1239 37453 SH SOLE 0 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 233 7035 SH OTR 0 0 0 VANGUARD LARGE-CAP ETF OTHER 922908637 143 1620 SH SOLE 0 0 0 VANGUARD LARGE-CAP ETF OTHER 922908637 122 1390 SH OTR 0 0 0 VANGUARD S&P 500 ETF OTHER 922908363 6181 35175 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 341 4014 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 419 3888 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 566 5162 SH SOLE 0 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 2443 63282 SH SOLE 0 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 312 8091 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 980 11469 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 356 4200 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 267 3257 SH SOLE 0 0 0