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 4,054 95,868 SH   SOLE   92,914 0 2,954
ABBOTT LABS COMMON STOCK 002824100 773 18,273 SH   OTR   16,686 1,437 150
ABBVIE INC COMMON STOCK 00287Y109 4,138 65,602 SH   SOLE   61,436 0 4,166
ABBVIE INC COMMON STOCK 00287Y109 1,017 16,127 SH   OTR   14,087 1,340 700
ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 520 11,732 SH   SOLE   11,732 0 0
ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 334 7,530 SH   OTR   7,530 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1,502 9,990 SH   SOLE   9,990 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 461 3,065 SH   OTR   3,065 0 0
ALLSTATE CORP COMMON STOCK 020002101 130 1,885 SH   SOLE   1,885 0 0
ALLSTATE CORP COMMON STOCK 020002101 244 3,522 SH   OTR   3,522 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 3,154 3,922 SH   SOLE   3,737 0 185
ALPHABET INC CL A COMMON STOCK 02079K305 423 526 SH   OTR   526 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 3,595 4,625 SH   SOLE   4,405 0 220
ALPHABET INC CL C COMMON STOCK 02079K107 1,094 1,408 SH   OTR   1,408 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 1,955 30,923 SH   SOLE   29,548 0 1,375
ALTRIA GROUP INC COMMON STOCK 02209S103 1,954 30,900 SH   OTR   28,650 200 2,050
AMAZON.COM INC COMMON STOCK 023135106 345 412 SH   SOLE   412 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,451 22,650 SH   SOLE   20,564 100 1,986
AMERICAN EXPRESS CO COMMON STOCK 025816109 742 11,590 SH   OTR   10,090 0 1,500
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 1,370 18,304 SH   SOLE   17,904 0 400
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 592 7,905 SH   OTR   5,895 0 2,010
AMGEN INC COMMON STOCK 031162100 499 2,990 SH   SOLE   2,990 0 0
AMGEN INC COMMON STOCK 031162100 168 1,010 SH   OTR   1,010 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 195 3,075 SH   SOLE   1,575 0 1,500
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 168 2,650 SH   OTR   2,350 0 300
APACHE CORP COMMON STOCK 037411105 1,343 21,024 SH   SOLE   20,824 0 200
APACHE CORP COMMON STOCK 037411105 685 10,730 SH   OTR   10,730 0 0
APPLE INC COMMON STOCK 037833100 12,335 109,108 SH   SOLE   102,321 385 6,402
APPLE INC COMMON STOCK 037833100 3,955 34,982 SH   OTR   33,427 905 650
AT&T INC COMMON STOCK 00206R102 3,948 97,206 SH   SOLE   94,455 750 2,001
AT&T INC COMMON STOCK 00206R102 1,902 46,838 SH   OTR   41,271 105 5,462
AUTOLIV INC COMMON STOCK 052800109 1,226 11,476 SH   SOLE   10,726 0 750
AUTOLIV INC COMMON STOCK 052800109 1,438 13,469 SH   OTR   13,469 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3,832 43,452 SH   SOLE   42,872 0 580
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 707 8,015 SH   OTR   7,310 100 605
BANK OF AMERICA CORP COMMON STOCK 060505104 294 18,814 SH   SOLE   17,195 0 1,619
BANK OF AMERICA CORP COMMON STOCK 060505104 254 16,232 SH   OTR   15,975 0 257
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 149 3,730 SH   SOLE   3,730 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 383 9,601 SH   OTR   9,101 0 500
BAXTER INTL INC COMMON STOCK 071813109 530 11,134 SH   SOLE   10,934 0 200
BAXTER INTL INC COMMON STOCK 071813109 175 3,674 SH   OTR   2,064 0 1,610
BECTON DICKINSON COMMON STOCK 075887109 407 2,265 SH   SOLE   2,265 0 0
BECTON DICKINSON COMMON STOCK 075887109 216 1,200 SH   OTR   1,200 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 203 4,716 SH   SOLE   4,716 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 17 400 SH   OTR   400 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,788 26,223 SH   SOLE   25,963 60 200
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,110 7,681 SH   OTR   7,511 20 150
BEST BUY COMPANY INC COMMON STOCK 086516101 707 18,508 SH   SOLE   18,508 0 0
BEST BUY COMPANY INC COMMON STOCK 086516101 24 617 SH   OTR   617 0 0
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 153 4,412 SH   SOLE   4,212 0 200
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 74 2,125 SH   OTR   2,125 0 0
BIOGEN INC COMMON STOCK 09062X103 203 649 SH   SOLE   649 0 0
BIOGEN INC COMMON STOCK 09062X103 34 110 SH   OTR   110 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 181 500 SH   SOLE   0 0 500
BLACKROCK INC CL A COMMON STOCK 09247X101 76 210 SH   OTR   210 0 0
BOEING CO COMMON STOCK 097023105 1,916 14,547 SH   SOLE   13,452 0 1,095
BOEING CO COMMON STOCK 097023105 785 5,955 SH   OTR   5,955 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 4,494 83,339 SH   SOLE   74,919 4,450 3,970
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,823 33,802 SH   OTR   30,271 1,381 2,150
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 267 3,714 SH   SOLE   3,714 0 0
CATERPILLAR INC COMMON STOCK 149123101 2,285 25,744 SH   SOLE   25,458 0 286
CATERPILLAR INC COMMON STOCK 149123101 834 9,400 SH   OTR   9,055 45 300
CELGENE CORP COMMON STOCK 151020104 963 9,211 SH   SOLE   7,061 0 2,150
CELGENE CORP COMMON STOCK 151020104 228 2,180 SH   OTR   2,180 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 8,185 79,528 SH   SOLE   75,505 1,875 2,148
CHEVRON CORPORATION COMMON STOCK 166764100 3,480 33,808 SH   OTR   30,504 1,460 1,844
CHURCH & DWIGHT INC COMMON STOCK 171340102 301 6,284 SH   SOLE   6,284 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 4,268 134,547 SH   SOLE   129,619 0 4,928
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,343 42,348 SH   OTR   41,853 495 0
CITIGROUP INC COMMON STOCK 172967424 356 7,543 SH   SOLE   7,343 0 200
CITIGROUP INC COMMON STOCK 172967424 142 3,007 SH   OTR   2,967 0 40
CLOROX COMPANY COMMON STOCK 189054109 1,394 11,132 SH   SOLE   11,032 0 100
CLOROX COMPANY COMMON STOCK 189054109 523 4,175 SH   OTR   3,690 0 485
COCA COLA CO COMMON STOCK 191216100 2,813 66,468 SH   SOLE   59,868 1,400 5,200
COCA COLA CO COMMON STOCK 191216100 1,401 33,105 SH   OTR   27,675 0 5,430
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 264 5,537 SH   SOLE   5,537 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 3,354 45,237 SH   SOLE   39,702 1,400 4,135
COLGATE PALMOLIVE CO COMMON STOCK 194162103 2,273 30,663 SH   OTR   28,763 0 1,900
COMCAST CORP-CL A COMMON STOCK 20030N101 809 12,188 SH   SOLE   11,073 0 1,115
COMCAST CORP-CL A COMMON STOCK 20030N101 160 2,412 SH   OTR   1,612 200 600
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 50 1,037 SH   SOLE   648 0 389
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 178 3,700 SH   OTR   300 3,400 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,663 38,247 SH   SOLE   34,919 325 3,003
CONOCOPHILLIPS COMMON STOCK 20825C104 123 2,828 SH   OTR   2,678 150 0
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 1,626 20,316 SH   SOLE   18,416 0 1,900
CONSUMER DISCRETIONARY SELT COMMON STOCK 81369Y407 224 2,795 SH   OTR   2,130 530 135
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 947 17,798 SH   SOLE   16,124 0 1,674
CONSUMER STAPLES SELECT SECTOR COMMON STOCK 81369Y308 117 2,207 SH   OTR   1,917 100 190
CORNING INC COMMON STOCK 219350105 393 16,619 SH   SOLE   16,619 0 0
CORNING INC COMMON STOCK 219350105 194 8,200 SH   OTR   7,500 700 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 158 1,037 SH   SOLE   1,037 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 124 815 SH   OTR   525 0 290
CSX CORP COMMON STOCK 126408103 120 3,941 SH   SOLE   3,941 0 0
CSX CORP COMMON STOCK 126408103 118 3,855 SH   OTR   3,855 0 0
CVS HEALTH CORP COMMON STOCK 126650100 3,866 43,446 SH   SOLE   43,446 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,259 14,149 SH   OTR   13,009 240 900
DANAHER CORP COMMON STOCK 235851102 3,905 49,816 SH   SOLE   47,164 0 2,652
DANAHER CORP COMMON STOCK 235851102 1,068 13,627 SH   OTR   11,807 230 1,590
DEERE & CO COMMON STOCK 244199105 394 4,622 SH   SOLE   4,622 0 0
DEERE & CO COMMON STOCK 244199105 452 5,290 SH   OTR   5,290 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 5,406 58,218 SH   SOLE   57,202 0 1,016
DISNEY WALT CO NEW COMMON STOCK 254687106 2,323 25,013 SH   OTR   23,583 320 1,110
DOMINION RESOURCES INC COMMON STOCK 25746U109 2,360 31,779 SH   SOLE   30,494 300 985
DOMINION RESOURCES INC COMMON STOCK 25746U109 875 11,788 SH   OTR   7,333 550 3,905
DOW CHEMICAL COMPANY COMMON STOCK 260543103 564 10,875 SH   SOLE   10,875 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 986 19,017 SH   OTR   17,617 0 1,400
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3,495 52,189 SH   SOLE   50,274 0 1,915
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1,813 27,072 SH   OTR   22,726 111 4,235
DUKE ENERGY CORP COMMON STOCK 26441C204 242 3,019 SH   SOLE   2,387 566 66
DUKE ENERGY CORP COMMON STOCK 26441C204 225 2,813 SH   OTR   2,061 500 252
ECOLAB INC COMMON STOCK 278865100 1,932 15,869 SH   SOLE   15,569 0 300
ECOLAB INC COMMON STOCK 278865100 378 3,105 SH   OTR   1,685 0 1,420
EMERSON ELEC CO COMMON STOCK 291011104 1,030 18,893 SH   SOLE   17,893 800 200
EMERSON ELEC CO COMMON STOCK 291011104 292 5,365 SH   OTR   5,365 0 0
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 963 13,635 SH   SOLE   12,915 0 720
ENERGY SELECT SECTOR SPDR COMMON STOCK 81369Y506 80 1,133 SH   OTR   900 80 153
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 465 16,845 SH   SOLE   11,845 0 5,000
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 107 3,880 SH   OTR   3,880 0 0
EXELON CORP COMMON STOCK 30161N101 188 5,643 SH   SOLE   5,643 0 0
EXELON CORP COMMON STOCK 30161N101 123 3,709 SH   OTR   2,859 0 850
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 164 3,180 SH   SOLE   2,980 0 200
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 59 1,140 SH   OTR   1,140 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 1,262 17,900 SH   SOLE   17,186 150 564
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 375 5,316 SH   OTR   5,161 0 155
EXXONMOBIL CORP COMMON STOCK 30231G102 14,024 160,679 SH   SOLE   155,034 1,250 4,395
EXXONMOBIL CORP COMMON STOCK 30231G102 6,681 76,547 SH   OTR   73,300 597 2,650
FACEBOOK INC-A COMMON STOCK 30303M102 399 3,114 SH   SOLE   3,079 0 35
FACEBOOK INC-A COMMON STOCK 30303M102 77 600 SH   OTR   600 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 274 1,566 SH   SOLE   1,566 0 0
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 974 50,443 SH   SOLE   48,943 0 1,500
FINANCIAL SELECT SECTOR SPDR COMMON STOCK 81369Y605 96 4,991 SH   OTR   4,543 448 0
FISERV INC COMMON STOCK 337738108 2,610 26,241 SH   SOLE   25,986 0 255
FISERV INC COMMON STOCK 337738108 56 566 SH   OTR   566 0 0
FORTIVE CORP COMMON STOCK 34959J108 1,078 21,171 SH   SOLE   20,161 0 1,010
FORTIVE CORP COMMON STOCK 34959J108 114 2,237 SH   OTR   1,328 115 794
FORTUNE BRANDS INC COMMON STOCK 34964C106 241 4,144 SH   OTR   4,144 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 364 2,348 SH   SOLE   2,273 0 75
GENERAL DYNAMICS CORP COMMON STOCK 369550108 248 1,600 SH   OTR   1,600 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 9,080 306,554 SH   SOLE   292,121 1,800 12,633
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,631 122,581 SH   OTR   108,288 5,143 9,150
GENERAL MLS INC COMMON STOCK 370334104 2,246 35,156 SH   SOLE   34,256 0 900
GENERAL MLS INC COMMON STOCK 370334104 903 14,132 SH   OTR   12,087 500 1,545
GILEAD SCIENCES INC COMMON STOCK 375558103 979 12,379 SH   SOLE   9,879 0 2,500
GILEAD SCIENCES INC COMMON STOCK 375558103 89 1,120 SH   OTR   1,120 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 820 19,022 SH   SOLE   18,667 0 355
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 344 7,974 SH   OTR   6,969 255 750
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 908 5,628 SH   SOLE   5,523 40 65
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 589 3,651 SH   OTR   3,641 10 0
GRAINGER W W INC COMMON STOCK 384802104 1,525 6,784 SH   SOLE   6,684 0 100
GRAINGER W W INC COMMON STOCK 384802104 503 2,235 SH   OTR   1,365 0 870
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 1,002 13,890 SH   SOLE   12,916 0 974
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK 81369Y209 184 2,546 SH   OTR   2,546 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 93 4,066 SH   SOLE   2,912 0 1,154
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 108 4,756 SH   OTR   3,956 0 800
HOME DEPOT INC COMMON STOCK 437076102 1,051 8,164 SH   SOLE   6,637 0 1,527
HOME DEPOT INC COMMON STOCK 437076102 737 5,730 SH   OTR   5,530 0 200
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 3,123 26,783 SH   SOLE   24,802 0 1,981
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 870 7,460 SH   OTR   3,887 2,565 1,008
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1,174 9,795 SH   SOLE   9,795 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 90 752 SH   OTR   752 0 0
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 1,278 21,890 SH   SOLE   21,413 0 477
INDUSTRIAL SELECT SECTOR SPDR COMMON STOCK 81369Y704 104 1,784 SH   OTR   1,684 0 100
INTEL CORP COMMON STOCK 458140100 8,222 217,794 SH   SOLE   209,794 2,800 5,200
INTEL CORP COMMON STOCK 458140100 1,624 43,025 SH   OTR   38,865 2,460 1,700
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 5,832 36,713 SH   SOLE   33,085 625 3,003
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3,246 20,432 SH   OTR   19,002 20 1,410
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 724 22,475 SH   SOLE   22,475 0 0
ISHARES DJ US TELCOM SECTOR ET COMMON STOCK 464287713 377 11,693 SH   OTR   11,493 200 0
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 6,859 23,696 SH   SOLE   22,810 65 821
ISHARES NASDAQ BIOTECH ETF COMMON STOCK 464287556 1,449 5,005 SH   OTR   4,835 120 50
JM SMUCKER CO COMMON STOCK 832696405 107 789 SH   SOLE   696 0 93
JM SMUCKER CO COMMON STOCK 832696405 275 2,026 SH   OTR   1,426 600 0
JOHNSON & JOHNSON COMMON STOCK 478160104 14,093 119,303 SH   SOLE   110,764 737 7,802
JOHNSON & JOHNSON COMMON STOCK 478160104 4,458 37,735 SH   OTR   33,230 1,320 3,185
JP MORGAN CHASE & CO COMMON STOCK 46625H100 8,611 129,321 SH   SOLE   123,081 225 6,015
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,446 51,752 SH   OTR   46,552 2,940 2,260
KBW BANK ETF COMMON STOCK 78464A797 253 7,566 SH   SOLE   7,066 0 500
KBW BANK ETF COMMON STOCK 78464A797 41 1,228 SH   OTR   1,128 0 100
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 2,831 66,965 SH   SOLE   66,555 0 410
KBW REGIONAL BANKING ETF COMMON STOCK 78464A698 913 21,606 SH   OTR   21,406 100 100
KEYCORP COMMON STOCK 493267108 55 4,533 SH   SOLE   1,360 0 3,173
KEYCORP COMMON STOCK 493267108 170 14,002 SH   OTR   14,002 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 573 4,540 SH   SOLE   4,490 0 50
KIMBERLY CLARK CORP COMMON STOCK 494368103 180 1,430 SH   OTR   1,375 55 0
KRAFT HEINZ CO COMMON STOCK 500754106 593 6,626 SH   SOLE   6,537 0 89
KRAFT HEINZ CO COMMON STOCK 500754106 440 4,911 SH   OTR   4,555 46 310
LILLY ELI & CO COMMON STOCK 532457108 386 4,804 SH   SOLE   4,276 0 528
LILLY ELI & CO COMMON STOCK 532457108 563 7,010 SH   OTR   5,985 0 1,025
LOCKHEED MARTIN CORP COMMON STOCK 539830109 3,246 13,542 SH   SOLE   12,827 0 715
LOCKHEED MARTIN CORP COMMON STOCK 539830109 665 2,772 SH   OTR   2,760 12 0
LOWES COS INC COMMON STOCK 548661107 7,337 101,601 SH   SOLE   101,006 0 595
LOWES COS INC COMMON STOCK 548661107 2,025 28,040 SH   OTR   27,105 235 700
M & T BANK CORP COMMON STOCK 55261F104 58 500 SH   SOLE   500 0 0
M & T BANK CORP COMMON STOCK 55261F104 383 3,300 SH   OTR   1,200 2,100 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 255 3,600 SH   SOLE   0 0 3,600
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 206 3,064 SH   SOLE   3,064 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 75 1,112 SH   OTR   1,112 0 0
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 1,422 29,777 SH   SOLE   26,959 0 2,818
MATERIALS SELECT SPDR FUND COMMON STOCK 81369Y100 155 3,237 SH   OTR   2,507 525 205
MCDONALDS CORP COMMON STOCK 580135101 7,714 66,867 SH   SOLE   64,964 900 1,003
MCDONALDS CORP COMMON STOCK 580135101 2,311 20,029 SH   OTR   18,729 500 800
MERCK & CO INC COMMON STOCK 58933Y105 3,758 60,220 SH   SOLE   57,994 850 1,376
MERCK & CO INC COMMON STOCK 58933Y105 1,539 24,656 SH   OTR   22,645 86 1,925
METLIFE INC COMMON STOCK 59156R108 607 13,654 SH   SOLE   13,654 0 0
METLIFE INC COMMON STOCK 59156R108 93 2,088 SH   OTR   1,588 500 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 2,168 34,887 SH   SOLE   34,387 0 500
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 503 8,100 SH   OTR   5,975 800 1,325
MICROSOFT CORP COMMON STOCK 594918104 9,884 171,603 SH   SOLE   166,735 450 4,418
MICROSOFT CORP COMMON STOCK 594918104 3,410 59,197 SH   OTR   51,295 4,802 3,100
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 982 22,371 SH   SOLE   21,688 0 683
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 545 12,418 SH   OTR   11,347 138 933
MONSANTO CO COMMON STOCK 61166W101 1,494 14,620 SH   SOLE   13,691 0 929
MONSANTO CO COMMON STOCK 61166W101 267 2,616 SH   OTR   2,546 70 0
NBT BANCORP INC COMMON STOCK 628778102 6,898 209,846 SH   SOLE   112,495 0 97,351
NBT BANCORP INC COMMON STOCK 628778102 2,216 67,403 SH   OTR   64,991 12 2,400
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,780 22,725 SH   SOLE   20,285 0 2,440
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,232 10,069 SH   OTR   7,034 750 2,285
NIKE INC-CLASS B COMMON STOCK 654106103 2,302 43,720 SH   SOLE   43,320 0 400
NIKE INC-CLASS B COMMON STOCK 654106103 537 10,200 SH   OTR   6,200 0 4,000
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 921 9,488 SH   SOLE   8,088 0 1,400
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 698 7,194 SH   OTR   5,994 0 1,200
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 2,609 33,036 SH   SOLE   32,569 0 467
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 934 11,830 SH   OTR   10,395 150 1,285
NUCOR CORP COMMON STOCK 670346105 687 13,883 SH   SOLE   13,883 0 0
NUCOR CORP COMMON STOCK 670346105 206 4,169 SH   OTR   3,169 0 1,000
ORACLE CORPORATION COMMON STOCK 68389X105 2,708 68,939 SH   SOLE   66,755 0 2,184
ORACLE CORPORATION COMMON STOCK 68389X105 1,311 33,384 SH   OTR   33,129 255 0
PEPSICO INC COMMON STOCK 713448108 10,172 93,518 SH   SOLE   92,333 300 885
PEPSICO INC COMMON STOCK 713448108 2,709 24,905 SH   OTR   22,025 1,470 1,410
PFIZER INC COMMON STOCK 717081103 5,414 159,857 SH   SOLE   157,353 0 2,504
PFIZER INC COMMON STOCK 717081103 2,336 68,977 SH   OTR   64,068 2,020 2,889
PG & E CORP COMMON STOCK 69331C108 52 846 SH   SOLE   846 0 0
PG & E CORP COMMON STOCK 69331C108 187 3,055 SH   OTR   3,055 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2,328 23,949 SH   SOLE   23,074 0 875
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 2,516 25,875 SH   OTR   24,375 150 1,350
PRAXAIR INC COMMON STOCK 74005P104 1,714 14,189 SH   SOLE   13,939 0 250
PRAXAIR INC COMMON STOCK 74005P104 519 4,295 SH   OTR   3,170 0 1,125
PROCTER & GAMBLE CO COMMON STOCK 742718109 11,709 130,465 SH   SOLE   123,138 944 6,383
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,571 50,935 SH   OTR   43,960 2,315 4,660
PRUDENTIAL FINL INC COMMON STOCK 744320102 2,373 29,058 SH   SOLE   28,758 100 200
PRUDENTIAL FINL INC COMMON STOCK 744320102 962 11,777 SH   OTR   11,427 150 200
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 158 3,782 SH   SOLE   3,382 400 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 127 3,025 SH   OTR   3,025 0 0
QUALCOMM INC COMMON STOCK 747525103 4,058 59,234 SH   SOLE   58,160 225 849
QUALCOMM INC COMMON STOCK 747525103 1,044 15,245 SH   OTR   14,400 245 600
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 239 1,950 SH   SOLE   1,750 0 200
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 18 150 SH   OTR   150 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 253 2,000 SH   SOLE   0 0 2,000
SOUTHERN COMPANY COMMON STOCK 842587107 1,514 29,505 SH   SOLE   29,005 200 300
SOUTHERN COMPANY COMMON STOCK 842587107 931 18,145 SH   OTR   15,945 2,000 200
SPECTRA ENERGY CORP COMMON STOCK 847560109 542 12,675 SH   SOLE   12,242 300 133
SPECTRA ENERGY CORP COMMON STOCK 847560109 37 867 SH   OTR   867 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 313 3,926 SH   SOLE   3,926 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 25 315 SH   OTR   315 0 0
STARBUCKS CORP COMMON STOCK 855244109 33 616 SH   SOLE   616 0 0
STARBUCKS CORP COMMON STOCK 855244109 184 3,400 SH   OTR   3,400 0 0
STATE STREET CORP COMMON STOCK 857477103 500 7,180 SH   SOLE   7,005 0 175
STATE STREET CORP COMMON STOCK 857477103 27 385 SH   OTR   385 0 0
STRYKER CORPORATION COMMON STOCK 863667101 624 5,362 SH   SOLE   5,362 0 0
STRYKER CORPORATION COMMON STOCK 863667101 23 200 SH   OTR   200 0 0
SYSCO CORP COMMON STOCK 871829107 488 9,955 SH   SOLE   9,955 0 0
SYSCO CORP COMMON STOCK 871829107 383 7,810 SH   OTR   7,185 0 625
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 4,126 62,050 SH   SOLE   61,345 100 605
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,042 15,671 SH   OTR   15,076 295 300
TARGET CORP COMMON STOCK 87612E106 4,215 61,368 SH   SOLE   57,722 125 3,521
TARGET CORP COMMON STOCK 87612E106 969 14,107 SH   OTR   13,009 373 725
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 2,038 42,644 SH   SOLE   41,719 325 600
TECHNOLOGY SELECT SECT SPDR COMMON STOCK 81369Y803 189 3,959 SH   OTR   3,259 700 0
TEXTRON INC COMMON STOCK 883203101 773 19,440 SH   SOLE   19,440 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 193 7,878 SH   SOLE   7,878 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 264 10,809 SH   OTR   10,724 85 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 239 1,500 SH   SOLE   0 0 1,500
TJX COS INC COMMON STOCK 872540109 1,985 26,545 SH   SOLE   23,402 300 2,843
TJX COS INC COMMON STOCK 872540109 955 12,765 SH   OTR   12,595 170 0
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 468 4,029 SH   SOLE   4,029 0 0
TOYOTA MOTOR CORP SPONS ADR COMMON STOCK 892331307 14 118 SH   OTR   118 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 141 1,231 SH   SOLE   1,131 0 100
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 61 531 SH   OTR   307 0 224
UNION PAC CORP COMMON STOCK 907818108 4,474 45,870 SH   SOLE   44,789 0 1,081
UNION PAC CORP COMMON STOCK 907818108 1,670 17,120 SH   OTR   14,900 0 2,220
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 725 6,629 SH   SOLE   5,629 0 1,000
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 210 1,920 SH   OTR   1,920 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 6,554 64,510 SH   SOLE   61,243 300 2,967
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,199 21,646 SH   OTR   19,106 1,940 600
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,035 21,680 SH   SOLE   20,474 0 1,206
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 916 6,540 SH   OTR   6,265 150 125
US BANCORP NEW COMMON STOCK 902973304 2,487 57,983 SH   SOLE   54,822 0 3,161
US BANCORP NEW COMMON STOCK 902973304 193 4,501 SH   OTR   4,031 470 0
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 2,415 49,289 SH   SOLE   46,409 0 2,880
UTILITIES SELECT SECTOR SPDR COMMON STOCK 81369Y886 844 17,218 SH   OTR   16,348 525 345
V.F. CORP COMMON STOCK 918204108 311 5,551 SH   SOLE   5,551 0 0
VANECK VECTORS AGRIBUSINESS ET COMMON STOCK 92189F700 1,452 29,064 SH   SOLE   27,612 100 1,352
VANECK VECTORS AGRIBUSINESS ET COMMON STOCK 92189F700 569 11,396 SH   OTR   11,171 125 100
VANGUARD REIT ETF COMMON STOCK 922908553 1,883 21,707 SH   SOLE   21,707 0 0
VANGUARD REIT ETF COMMON STOCK 922908553 345 3,972 SH   OTR   2,983 989 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,625 88,973 SH   SOLE   81,721 2,609 4,643
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,649 50,969 SH   OTR   42,929 4,995 3,045
VISA INC CL A COMMON STOCK 92826C839 223 2,702 SH   SOLE   1,602 0 1,100
WAL MART STORES INC COMMON STOCK 931142103 1,660 23,024 SH   SOLE   22,558 0 466
WAL MART STORES INC COMMON STOCK 931142103 826 11,458 SH   OTR   10,908 150 400
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 1,990 24,678 SH   SOLE   24,357 0 321
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 110 1,359 SH   OTR   953 102 304
WELLS FARGO & CO COMMON STOCK 949746101 5,689 128,489 SH   SOLE   124,195 0 4,294
WELLS FARGO & CO COMMON STOCK 949746101 2,099 47,395 SH   OTR   40,371 2,605 4,419
WGL HLDGS INC COMMON STOCK 92924F106 187 2,980 SH   SOLE   2,980 0 0
WGL HLDGS INC COMMON STOCK 92924F106 150 2,400 SH   OTR   0 2,400 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 233 8,205 SH   SOLE   8,205 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 3 109 SH   OTR   109 0 0
WR GRACE & CO COMMON STOCK 38388F108 443 6,000 SH   OTR   0 0 6,000
XCEL ENERGY INC COMMON STOCK 98389B100 257 6,237 SH   SOLE   3,086 651 2,500
XCEL ENERGY INC COMMON STOCK 98389B100 32 775 SH   OTR   775 0 0
XYLEM INC COMMON STOCK 98419M100 360 6,862 SH   SOLE   6,862 0 0
XYLEM INC COMMON STOCK 98419M100 147 2,800 SH   OTR   2,800 0 0
YUM! BRANDS INC COMMON STOCK 988498101 1,042 11,479 SH   SOLE   11,479 0 0
YUM! BRANDS INC COMMON STOCK 988498101 169 1,866 SH   OTR   1,791 75 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 379 2,917 SH   SOLE   2,447 120 350
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 251 1,933 SH   OTR   1,760 73 100
3M CO COMMON STOCK 88579Y101 2,827 16,043 SH   SOLE   14,898 525 620
3M CO COMMON STOCK 88579Y101 530 3,007 SH   OTR   2,282 50 675
BP PLC SPONS ADR COMMON STOCK 055622104 234 6,654 SH   SOLE   6,654 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 49 1,396 SH   OTR   1,396 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 394 9,470 SH   SOLE   9,470 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 25 495 SH   SOLE   495 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 238 4,761 SH   OTR   4,511 0 250
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 200 1,032 SH   SOLE   932 0 100
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 45 234 SH   OTR   212 0 22
ACCENTURE PLC CL A COMMON STOCK G1151C101 228 1,865 SH   SOLE   65 0 1,800
ALLEGION PLC COMMON STOCK G0176J109 225 3,266 SH   OTR   3,266 0 0
EATON CORP PLC COMMON STOCK G29183103 434 6,609 SH   SOLE   6,609 0 0
EATON CORP PLC COMMON STOCK G29183103 342 5,211 SH   OTR   4,136 0 1,075
INGERSOLL-RAND PLC COMMON STOCK G47791101 73 1,075 SH   SOLE   1,075 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 693 10,200 SH   OTR   10,200 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 1,822 21,083 SH   SOLE   21,038 0 45
MEDTRONIC PLC COMMON STOCK G5960L103 788 9,120 SH   OTR   9,049 71 0
NXP SEMICONDUCTORS COMMON STOCK N6596X109 608 5,964 SH   SOLE   4,814 0 1,150
NXP SEMICONDUCTORS COMMON STOCK N6596X109 56 550 SH   OTR   550 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 4,457 56,671 SH   SOLE   53,849 0 2,822
SCHLUMBERGER LTD COMMON STOCK 806857108 865 11,001 SH   OTR   10,841 160 0
SUNCOR ENERGY INC COMMON STOCK 867224107 228 8,204 SH   SOLE   6,967 0 1,237
SUNCOR ENERGY INC COMMON STOCK 867224107 37 1,330 SH   OTR   1,330 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 1,210 27,256 SH   SOLE   26,356 0 900
AMERICAN TOWER CORP REIT OTHER 03027X100 172 1,515 SH   SOLE   0 0 0
AMERICAN TOWER CORP REIT OTHER 03027X100 39 340 SH   OTR   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 3,718 24,034 SH   SOLE   0 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 307 1,983 SH   OTR   0 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 249 1,144 SH   SOLE   0 0 0
ISHARES GOLD TRUST OTHER 464285105 137 10,805 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 4,242 71,740 SH   SOLE   0 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 575 9,726 SH   OTR   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 2,173 58,026 SH   SOLE   0 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 361 9,635 SH   OTR   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 7,984 64,277 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 442 3,561 SH   OTR   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 44 250 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400/GRWTH E OTHER 464287606 201 1,150 SH   OTR   0 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 228 6,967 SH   SOLE   0 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 23 689 SH   OTR   0 0 0
SPDR DJIA TRUST OTHER 78467X109 1,264 6,915 SH   SOLE   0 0 0
SPDR DJIA TRUST OTHER 78467X109 309 1,691 SH   OTR   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 10,558 125,154 SH   SOLE   0 0 0
SPDR S&P DIVIDEND ETF OTHER 78464A763 622 7,375 SH   OTR   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 10,110 35,816 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 696 2,464 SH   OTR   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 4,233 19,569 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 606 2,803 SH   OTR   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 1,213 32,227 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 229 6,095 SH   OTR   0 0 0
VANGUARD S&P 500 ETF OTHER 922908363 6,989 35,175 SH   SOLE   0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 213 1,832 SH   SOLE   0 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 2 20 SH   OTR   0 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 259 2,453 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 535 6,297 SH   SOLE   0 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 3 31 SH   OTR   0 0 0
ISHARES BARCLAYS 7-10 YEAR TR OTHER 464287440 411 3,676 SH   SOLE   0 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 518 4,604 SH   SOLE   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 3,058 77,416 SH   SOLE   0 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 470 11,911 SH   OTR   0 0 0
SPDR BARCLAYS I/T CORP BD ETF OTHER 78464A375 1,210 34,656 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 964 10,766 SH   SOLE   0 0 0
VANGUARD INTER TERM CORP BOND OTHER 92206C870 237 2,650 SH   OTR   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 368 4,200 SH   SOLE   0 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 33 375 SH   OTR   0 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 703 8,358 SH   SOLE   0 0 0