AT&T Inc Com 00206R102 1055728 54843 SH SOLE 0 52247 435 2161 AT&T Inc Com 00206R102 703169 36528 SH OTR 0 31216 400 4912 Abbott Labs Com 002824100 4713653 46550 SH SOLE 0 45950 0 600 Abbott Labs Com 002824100 1717673 16963 SH OTR 0 15377 576 1010 Abbvie Inc Com 00287Y109 3673160 23048 SH SOLE 0 22748 0 300 Abbvie Inc Com 00287Y109 2100815 13182 SH OTR 0 11657 295 1230 Activision Blizzard, Inc Com 00507V109 788455 9212 SH SOLE 0 9212 0 0 Activision Blizzard, Inc Com 00507V109 635163 7421 SH OTR 0 7421 0 0 Air Products & Chemicals Inc Com 009158106 1493492 5200 SH SOLE 0 5200 0 0 Air Products & Chemicals Inc Com 009158106 443739 1545 SH OTR 0 1545 0 0 Allstate Corp Com 020002101 71916 649 SH SOLE 0 649 0 0 Allstate Corp Com 020002101 221620 2000 SH OTR 0 2000 0 0 Alphabet Inc Cl C Com 02079K107 4527405 43533 SH SOLE 0 41470 0 2063 Alphabet Inc Cl C Com 02079K107 3697408 35552 SH OTR 0 32952 0 2600 Alphabet Inc Cl A Com 02079K305 3110240 29984 SH SOLE 0 29324 0 660 Alphabet Inc Cl A Com 02079K305 613667 5916 SH OTR 0 3616 0 2300 Altria Group Inc Com 02209S103 559267 12534 SH SOLE 0 11759 0 775 Altria Group Inc Com 02209S103 1441985 32317 SH OTR 0 31617 0 700 Amazon.Com Inc Com 023135106 1370658 13270 SH SOLE 0 13270 0 0 Amazon.Com Inc Com 023135106 674484 6530 SH OTR 0 6130 0 400 American Express CO Com 025816109 684707 4151 SH SOLE 0 4151 0 0 American Express CO Com 025816109 165940 1006 SH OTR 0 720 0 286 American Tower Corp REIT Com 03027X100 182271 892 SH SOLE 0 892 0 0 American Tower Corp REIT Com 03027X100 84188 412 SH OTR 0 412 0 0 American Water Works CO Inc Com 030420103 1291895 8819 SH SOLE 0 8819 0 0 American Water Works CO Inc Com 030420103 795441 5430 SH OTR 0 3900 100 1430 Amgen Inc Com 031162100 614045 2540 SH SOLE 0 2540 0 0 Amgen Inc Com 031162100 247794 1025 SH OTR 0 1025 0 0 Amplify CWP Enhanced Dividend Com 032108409 530844 14966 SH SOLE 0 14966 0 0 Amplify CWP Enhanced Dividend Com 032108409 177350 5000 SH OTR 0 5000 0 0 APA Corporation Com 03743Q108 320501 8888 SH SOLE 0 8888 0 0 APA Corporation Com 03743Q108 30651 850 SH OTR 0 850 0 0 Apple Inc Com 037833100 22229170 134804 SH SOLE 0 122012 315 12477 Apple Inc Com 037833100 12987524 78760 SH OTR 0 71339 2001 5420 Arrow Finl Corp Com 042744102 152748 6132 SH SOLE 0 0 0 6132 Arrow Finl Corp Com 042744102 132123 5304 SH OTR 0 5304 0 0 Autoliv Inc Com 052800109 876464 9388 SH SOLE 0 8344 0 1044 Autoliv Inc Com 052800109 1003247 10746 SH OTR 0 10746 0 0 Automatic Data Processing Inc Com 053015103 4217503 18944 SH SOLE 0 18664 0 280 Automatic Data Processing Inc Com 053015103 975787 4383 SH OTR 0 3778 125 480 BP PLC Spons ADR Com 055622104 135218 3564 SH SOLE 0 3564 0 0 BP PLC Spons ADR Com 055622104 247748 6530 SH OTR 0 6530 0 0 Bank of America Corp Com 060505104 669841 23421 SH SOLE 0 22773 0 648 Bank of America Corp Com 060505104 159302 5570 SH OTR 0 5570 0 0 Bank of New York Mellon Corp Com 064058100 463761 10206 SH SOLE 0 10206 0 0 Bank of New York Mellon Corp Com 064058100 22720 500 SH OTR 0 0 0 500 Baxter Intl Inc Com 071813109 273821 6751 SH SOLE 0 6751 0 0 Baxter Intl Inc Com 071813109 129589 3195 SH OTR 0 1095 100 2000 Becton Dickinson Com 075887109 348041 1406 SH SOLE 0 1406 0 0 Becton Dickinson Com 075887109 14110 57 SH OTR 0 57 0 0 Berkshire Hathaway Inc-Cl B Com 084670702 2811351 9105 SH SOLE 0 8875 30 200 Berkshire Hathaway Inc-Cl B Com 084670702 2490539 8066 SH OTR 0 8028 38 0 Best Buy Company Inc Com 086516101 272145 3477 SH SOLE 0 3477 0 0 Best Buy Company Inc Com 086516101 26142 334 SH OTR 0 334 0 0 BHP Group Ltd Spons ADR Com 088606108 179323 2828 SH SOLE 0 2628 0 200 BHP Group Ltd Spons ADR Com 088606108 58020 915 SH OTR 0 915 0 0 Biogen Inc Com 09062X103 70620 254 SH SOLE 0 254 0 0 Biogen Inc Com 09062X103 144854 521 SH OTR 0 521 0 0 Boeing CO Com 097023105 1642084 7730 SH SOLE 0 7530 0 200 Boeing CO Com 097023105 1850903 8713 SH OTR 0 8413 150 150 Bristol Myers Squibb CO Com 110122108 3776633 54489 SH SOLE 0 51709 660 2120 Bristol Myers Squibb CO Com 110122108 2261308 32626 SH OTR 0 27101 315 5210 Broadcom Inc Com 11135F101 113553 177 SH SOLE 0 177 0 0 Broadcom Inc Com 11135F101 96231 150 SH OTR 0 150 0 0 CDW Corp Com 12514G108 127068 652 SH SOLE 0 652 0 0 CDW Corp Com 12514G108 103097 529 SH OTR 0 529 0 0 Cigna Group Com 125523100 313024 1225 SH SOLE 0 1188 0 37 Cigna Group Com 125523100 6388 25 SH OTR 0 25 0 0 Csx Corp Com 126408103 245418 8197 SH SOLE 0 8197 0 0 Csx Corp Com 126408103 194011 6480 SH OTR 0 6480 0 0 CVS Health Corp Com 126650100 2681386 36084 SH SOLE 0 35010 0 1074 CVS Health Corp Com 126650100 1271667 17113 SH OTR 0 15454 278 1381 Cardinal Health Inc Com 14149Y108 161193 2135 SH SOLE 0 2135 0 0 Cardinal Health Inc Com 14149Y108 62288 825 SH OTR 0 825 0 0 Carrier Global Corporation Com 14448C104 923052 20176 SH SOLE 0 19382 100 694 Carrier Global Corporation Com 14448C104 605364 13232 SH OTR 0 11966 1066 200 Caterpillar Inc Com 149123101 2820453 12325 SH SOLE 0 11437 0 888 Caterpillar Inc Com 149123101 2242632 9800 SH OTR 0 9470 30 300 Chevron Corporation Com 166764100 6518047 39949 SH SOLE 0 37682 310 1957 Chevron Corporation Com 166764100 4564238 27974 SH OTR 0 26409 375 1190 Chipotle Mexican Grill Inc Com 169656105 264785 155 SH SOLE 0 155 0 0 Chipotle Mexican Grill Inc Com 169656105 46124 27 SH OTR 0 27 0 0 Cisco Systems Inc Com 17275R102 4013955 76785 SH SOLE 0 72298 0 4487 Cisco Systems Inc Com 17275R102 2579249 49340 SH OTR 0 47595 715 1030 Citigroup Inc Com 172967424 402035 8574 SH SOLE 0 8574 0 0 Citigroup Inc Com 172967424 243828 5200 SH OTR 0 5050 150 0 Clorox Company Com 189054109 656538 4149 SH SOLE 0 4149 0 0 Clorox Company Com 189054109 294326 1860 SH OTR 0 1375 0 485 Coca Cola CO Com 191216100 2886256 46530 SH SOLE 0 40706 840 4984 Coca Cola CO Com 191216100 1071010 17266 SH OTR 0 12311 150 4805 Colgate Palmolive CO Com 194162103 1006860 13398 SH SOLE 0 11573 375 1450 Colgate Palmolive CO Com 194162103 287825 3830 SH OTR 0 2380 0 1450 ComCast Corp-Cl A Com 20030N101 872499 23015 SH SOLE 0 20905 0 2110 ComCast Corp-Cl A Com 20030N101 388919 10259 SH OTR 0 8276 810 1173 Conocophillips Com 20825C104 824733 8313 SH SOLE 0 8213 100 0 Conocophillips Com 20825C104 150998 1522 SH OTR 0 1372 150 0 Corning Inc Com 219350105 428970 12159 SH SOLE 0 12159 0 0 Corning Inc Com 219350105 294588 8350 SH OTR 0 5600 900 1850 Corteva Inc Com Com 22052L104 120861 2004 SH SOLE 0 1913 0 91 Corteva Inc Com Com 22052L104 452084 7496 SH OTR 0 7268 0 228 Costco Wholesale Corp Com 22160K105 960947 1934 SH SOLE 0 1934 0 0 Costco Wholesale Corp Com 22160K105 616616 1241 SH OTR 0 751 0 490 DTE Energy Co Com 233331107 294005 2684 SH SOLE 0 2684 0 0 Danaher Corp Com 235851102 4287452 17011 SH SOLE 0 15051 0 1960 Danaher Corp Com 235851102 2594752 10295 SH OTR 0 9118 120 1057 Deere & CO Com 244199105 2465719 5972 SH SOLE 0 5284 25 663 Deere & CO Com 244199105 4064804 9845 SH OTR 0 9775 70 0 Dicks Sporting Goods Inc Com 253393102 638378 4499 SH SOLE 0 3776 0 723 Dicks Sporting Goods Inc Com 253393102 83289 587 SH OTR 0 587 0 0 Disney Walt CO New Com 254687106 3180229 31761 SH SOLE 0 30544 0 1217 Disney Walt CO New Com 254687106 2104132 21014 SH OTR 0 19139 600 1275 Dominion Resources Inc Com 25746U109 823387 14727 SH SOLE 0 14417 0 310 Dominion Resources Inc Com 25746U109 391650 7005 SH OTR 0 4625 80 2300 Dow Inc Com Com 260557103 798782 14571 SH SOLE 0 14480 0 91 Dow Inc Com Com 260557103 1048487 19126 SH OTR 0 17352 16 1758 Duke Energy Corp Com 26441C204 445113 4614 SH SOLE 0 4329 285 0 Duke Energy Corp Com 26441C204 127051 1317 SH OTR 0 1217 100 0 Dupont De Nemours Inc Com 26614N102 1054517 14693 SH SOLE 0 14602 0 91 Dupont De Nemours Inc Com 26614N102 903297 12586 SH OTR 0 11425 316 845 Ecolab Inc Com 278865100 1022810 6179 SH SOLE 0 6179 0 0 Ecolab Inc Com 278865100 426240 2575 SH OTR 0 2085 40 450 Emerson Elec CO Com 291011104 882554 10128 SH SOLE 0 10128 0 0 Emerson Elec CO Com 291011104 225693 2590 SH OTR 0 2390 200 0 Exelon Corp Com 30161N101 191521 4572 SH SOLE 0 4572 0 0 Exelon Corp Com 30161N101 77874 1859 SH OTR 0 1509 0 350 Exxonmobil Corp Com 30231G102 8708759 79416 SH SOLE 0 75630 665 3121 Exxonmobil Corp Com 30231G102 6527731 59527 SH OTR 0 55987 660 2880 Meta Platforms Inc Com 30303M102 1075596 5075 SH SOLE 0 5075 0 0 Meta Platforms Inc Com 30303M102 851999 4020 SH OTR 0 4020 0 0 Fiserv Inc Com 337738108 542431 4799 SH SOLE 0 4799 0 0 Fiserv Inc Com 337738108 98788 874 SH OTR 0 874 0 0 FlexShares Mstar Glbl Upstrm N Com 33939L407 41577710 983157 SH SOLE 0 979201 0 3956 FlexShares Mstar Glbl Upstrm N Com 33939L407 3746217 88584 SH OTR 0 85694 340 2550 Flexshares Disciplined Duratio Com 33939L779 868680 42065 SH SOLE 0 42065 0 0 FlexShares Global Quality Real Com 33939L787 731931 13810 SH SOLE 0 13810 0 0 FlexShares Global Quality Real Com 33939L787 1060 20 SH OTR 0 20 0 0 FlexShares STOXX Glbl Brd Infr Com 33939L795 6808619 131061 SH SOLE 0 131061 0 0 FlexShares STOXX Glbl Brd Infr Com 33939L795 1037961 19980 SH OTR 0 19740 0 240 FlexShares International Quali Com 33939L837 637781 28885 SH SOLE 0 28885 0 0 Fortive Corp Com 34959J108 268385 3937 SH SOLE 0 3637 0 300 Fortive Corp Com 34959J108 120934 1774 SH OTR 0 930 50 794 Freeport-McMoran Inc Com 35671D857 196573 4805 SH SOLE 0 4805 0 0 Freeport-McMoran Inc Com 35671D857 128253 3135 SH OTR 0 1410 0 1725 General Dynamics Corp Com 369550108 1146983 5026 SH SOLE 0 4876 0 150 General Dynamics Corp Com 369550108 204248 895 SH OTR 0 895 0 0 General Electric Co New Com 369604301 397983 4163 SH SOLE 0 3809 0 354 General Electric Co New Com 369604301 215865 2258 SH OTR 0 2249 0 9 General Mls Inc Com 370334104 913995 10695 SH SOLE 0 10197 0 498 General Mls Inc Com 370334104 468748 5485 SH OTR 0 4840 100 545 Genuine Parts CO Com 372460105 235238 1406 SH SOLE 0 1406 0 0 Gilead Sciences Inc Com 375558103 397592 4792 SH SOLE 0 4792 0 0 Gilead Sciences Inc Com 375558103 105787 1275 SH OTR 0 1215 60 0 GSK PLC Sponsored ADR Com 37733W204 216825 6094 SH SOLE 0 6094 0 0 GSK PLC Sponsored ADR Com 37733W204 68420 1923 SH OTR 0 1323 0 600 Global X US Preferred ETF Com 37954Y657 238320 12000 SH OTR 0 12000 0 0 Goldman Sachs Group Inc Com 38141G104 1151427 3520 SH SOLE 0 3500 20 0 Goldman Sachs Group Inc Com 38141G104 1309748 4004 SH OTR 0 4004 0 0 Grainger W W Inc Com 384802104 2143577 3112 SH SOLE 0 3112 0 0 Grainger W W Inc Com 384802104 993953 1443 SH OTR 0 759 100 584 The Hershey Company Com 427866108 94132 370 SH SOLE 0 370 0 0 The Hershey Company Com 427866108 190808 750 SH OTR 0 750 0 0 Home Depot Inc Com 437076102 1033142 3501 SH SOLE 0 3209 0 292 Home Depot Inc Com 437076102 1446973 4903 SH OTR 0 3903 150 850 Honeywell International Inc Com 438516106 3296247 17247 SH SOLE 0 16332 0 915 Honeywell International Inc Com 438516106 1192015 6237 SH OTR 0 5118 290 829 Illinois Tool Wks Inc Com 452308109 637839 2620 SH SOLE 0 2620 0 0 Illinois Tool Wks Inc Com 452308109 91294 375 SH OTR 0 375 0 0 Intel Corp Com 458140100 2823374 86421 SH SOLE 0 83896 1025 1500 Intel Corp Com 458140100 734454 22481 SH OTR 0 19916 1440 1125 Intercontinental Exchange Inc Com 45866F104 704479 6755 SH SOLE 0 6755 0 0 Intercontinental Exchange Inc Com 45866F104 46618 447 SH OTR 0 447 0 0 Intl. Business Machines Corp Com 459200101 2459719 18764 SH SOLE 0 16650 430 1684 Intl. Business Machines Corp Com 459200101 1984178 15136 SH OTR 0 13553 0 1583 Invesco SP 500 Low Volatility Com 46138E354 217963 3493 SH SOLE 0 3493 0 0 Ishares Barclays TIPS Bond ETF Com 464287176 312449 2834 SH SOLE 0 2834 0 0 Ishares Core S&P 500 ETF Com 464287200 242537 590 SH SOLE 0 590 0 0 Ishares Core Total U.S. Aggreg Com 464287226 221699 2225 SH SOLE 0 2225 0 0 Ishares Msci Emerging Mkt ETF Com 464287234 2779623 70442 SH SOLE 0 68725 525 1192 Ishares Msci Emerging Mkt ETF Com 464287234 869256 22029 SH OTR 0 21093 561 375 Ishares S&P 500 Growth ETF Com 464287309 463203 7250 SH SOLE 0 7250 0 0 Ishares S&P 500 Value ETF Com 464287408 561816 3702 SH SOLE 0 3702 0 0 Ishares 1-3 Year Treasury ETF Com 464287457 1665794 20275 SH SOLE 0 20275 0 0 Ishares Msci Eafe ETF Com 464287465 3729612 52148 SH SOLE 0 49299 0 2849 Ishares Msci Eafe ETF Com 464287465 1139242 15929 SH OTR 0 15654 200 75 Ishares Core S&P Mid-Cap ETF Com 464287507 1534732 6135 SH SOLE 0 6135 0 0 Ishares Core S&P Mid-Cap ETF Com 464287507 608139 2431 SH OTR 0 2286 0 145 Ishares Nasdaq Biotech ETF Com 464287556 2631027 20370 SH SOLE 0 19578 96 696 Ishares Nasdaq Biotech ETF Com 464287556 1529125 11839 SH OTR 0 9702 540 1597 Ishares Tr Rus 1000 Val ETF Com 464287598 209358 1375 SH SOLE 0 1375 0 0 Ishares S&P Midcap 400/Grwth E Com 464287606 272882 3816 SH SOLE 0 3816 0 0 Ishares Russell 1000 Growth ET Com 464287614 266808 1092 SH SOLE 0 1092 0 0 IShares Russell 1000 ETF Com 464287622 210590 935 SH SOLE 0 935 0 0 Ishares Russell 2000 Value ETF Com 464287630 267463 1952 SH SOLE 0 1952 0 0 Ishares Russell 2000 Value ETF Com 464287630 22608 165 SH OTR 0 0 165 0 Ishares Russell 2000 ETF Com 464287655 4975108 27887 SH SOLE 0 26206 0 1681 Ishares Russell 2000 ETF Com 464287655 738665 4141 SH OTR 0 4006 100 35 Ishares DJ US Telcom Sector ET Com 464287713 640305 27647 SH SOLE 0 27647 0 0 Ishares DJ US Telcom Sector ET Com 464287713 623282 26912 SH OTR 0 26712 200 0 Ishares Core S&P Small-Cap ETF Com 464287804 493944 5108 SH SOLE 0 5108 0 0 Ishares Msci Eafe Small Cap ET Com 464288273 2727224 45828 SH SOLE 0 45818 0 10 Ishares Msci Eafe Small Cap ET Com 464288273 477270 8020 SH OTR 0 8020 0 0 Ishares New York Muni Bond ETF Com 464288323 2680316 50090 SH SOLE 0 50090 0 0 Ishares New York Muni Bond ETF Com 464288323 6404077 119680 SH OTR 0 119680 0 0 Ishares IBoxx High Yield Corpo Com 464288513 2277379 30144 SH SOLE 0 30144 0 0 Ishares IBoxx High Yield Corpo Com 464288513 129191 1710 SH OTR 0 1710 0 0 iShares Tr Intrm Gov Cr ETF Com 464288612 654316 6262 SH SOLE 0 6262 0 0 iShares TR 1-5 Yr Inv Gr Corp Com 464288646 341802 6763 SH SOLE 0 6763 0 0 Ishares 3-7 Year Treasury Bond Com 464288661 751784 6390 SH SOLE 0 6390 0 0 Ishares S&P Pref Stk ETF Com 464288687 2082655 66709 SH SOLE 0 66709 0 0 Ishares S&P Pref Stk ETF Com 464288687 321691 10304 SH OTR 0 7124 0 3180 iShares MSCI USA ESG Select ET Com 464288802 501518 5714 SH SOLE 0 5714 0 0 Ishares MSCI EAFE Growth ETF Com 464288885 18588951 198430 SH SOLE 0 196462 0 1968 Ishares MSCI EAFE Growth ETF Com 464288885 3809844 40669 SH OTR 0 40589 0 80 IShares Russell Top 200 Growth Com 464289438 240349 1730 SH SOLE 0 1730 0 0 Ishares Aaa-A Rated Corp Bond Com 46429B291 302110 6315 SH SOLE 0 6315 0 0 iShares Core High Dividend ETF Com 46429B663 931816 9166 SH SOLE 0 9166 0 0 IShares 0-5 Yr TIPs ETF Com 46429B747 4101176 41330 SH SOLE 0 41330 0 0 IShares 0-5 Yr TIPs ETF Com 46429B747 579503 5840 SH OTR 0 5840 0 0 Ishares Core Msci Eafe ETF Com 46432F842 8000942 119685 SH SOLE 0 119630 0 55 Ishares Core Msci Eafe ETF Com 46432F842 1325301 19825 SH OTR 0 19825 0 0 Ishares Core Emerging Markets Com 46434G103 2936133 60179 SH SOLE 0 60179 0 0 Ishares Core Emerging Markets Com 46434G103 798790 16372 SH OTR 0 16372 0 0 IShares Edge Intl Quality Fact Com 46434V456 97605 2765 SH SOLE 0 2765 0 0 IShares Edge Intl Quality Fact Com 46434V456 312405 8850 SH OTR 0 8850 0 0 IShares Core Intnl Agg Bond ET Com 46435G672 523618 10697 SH SOLE 0 10697 0 0 IShares Core Intnl Agg Bond ET Com 46435G672 60698 1240 SH OTR 0 1240 0 0 JP Morgan Chase & CO Com 46625H100 7741093 59405 SH SOLE 0 57632 112 1661 JP Morgan Chase & CO Com 46625H100 5159364 39593 SH OTR 0 34443 571 4579 JPMorgan Municipal ETF Com 46641Q647 810080 16000 SH SOLE 0 16000 0 0 JPMorgan Municipal ETF Com 46641Q647 402255 7945 SH OTR 0 7945 0 0 JPMorgan Ultra-Short Income ET Com 46641Q837 786502 15630 SH SOLE 0 15630 0 0 JPMorgan Ultra-Short Income ET Com 46641Q837 262368 5214 SH OTR 0 5214 0 0 Jacobs Solutions Inc Com 46982L108 349592 2975 SH OTR 0 1075 0 1900 Johnson & Johnson Com 478160104 8519730 54966 SH SOLE 0 49571 150 5245 Johnson & Johnson Com 478160104 4262655 27501 SH OTR 0 23878 260 3363 Kimberly Clark Corp Com 494368103 554731 4133 SH SOLE 0 4133 0 0 Kimberly Clark Corp Com 494368103 53688 400 SH OTR 0 400 0 0 Kraft Heinz CO Com 500754106 200697 5190 SH SOLE 0 5190 0 0 Kraft Heinz CO Com 500754106 273822 7081 SH OTR 0 7081 0 0 Lauder Estee Cos Cl-A Com 518439104 195196 792 SH SOLE 0 792 0 0 Lauder Estee Cos Cl-A Com 518439104 119040 483 SH OTR 0 483 0 0 Lilly Eli & CO Com 532457108 501737 1461 SH SOLE 0 933 0 528 Lilly Eli & CO Com 532457108 2175566 6335 SH OTR 0 5285 25 1025 Lockheed Martin Corp Com 539830109 3442824 7283 SH SOLE 0 6732 0 551 Lockheed Martin Corp Com 539830109 732732 1550 SH OTR 0 1550 0 0 Lowes Cos Inc Com 548661107 7323901 36625 SH SOLE 0 36095 25 505 Lowes Cos Inc Com 548661107 4330550 21656 SH OTR 0 20732 315 609 Marsh & McLennan Companies Inc Com 571748102 369408 2218 SH SOLE 0 2218 0 0 Marsh & McLennan Companies Inc Com 571748102 54962 330 SH OTR 0 330 0 0 Marriott International Inc Com 571903202 286087 1723 SH SOLE 0 1723 0 0 Mastercard Inc Cl A Com 57636Q104 347420 956 SH SOLE 0 956 0 0 Mastercard Inc Cl A Com 57636Q104 114838 316 SH OTR 0 316 0 0 McDonalds Corp Com 580135101 8087999 28926 SH SOLE 0 28696 75 155 McDonalds Corp Com 580135101 4223789 15106 SH OTR 0 14293 238 575 Merck & CO Inc Com 58933Y105 4204426 39519 SH SOLE 0 38099 620 800 Merck & CO Inc Com 58933Y105 1921616 18062 SH OTR 0 16412 300 1350 Metlife Inc Com 59156R108 367629 6345 SH SOLE 0 6345 0 0 Metlife Inc Com 59156R108 93341 1611 SH OTR 0 1300 111 200 Microsoft Corp Com 594918104 18093131 62758 SH SOLE 0 59550 180 3028 Microsoft Corp Com 594918104 9090099 31530 SH OTR 0 29503 611 1416 Microchip Technology Inc Com 595017104 2501503 29858 SH SOLE 0 29858 0 0 Microchip Technology Inc Com 595017104 704590 8410 SH OTR 0 6860 300 1250 Mondelez International Inc Com 609207105 656623 9418 SH SOLE 0 9004 0 414 Mondelez International Inc Com 609207105 1310875 18802 SH OTR 0 18802 0 0 Morgan Stanley Com 617446448 277185 3157 SH SOLE 0 3157 0 0 Morgan Stanley Com 617446448 13170 150 SH OTR 0 150 0 0 NBT Bancorp Inc Com 628778102 5957602 176731 SH SOLE 0 2806 0 173925 NBT Bancorp Inc Com 628778102 573208 17004 SH OTR 0 9394 0 7610 Netflix Inc Com 64110L106 237345 687 SH SOLE 0 687 0 0 Nextera Energy Inc Com 65339F101 2239714 29057 SH SOLE 0 27257 0 1800 Nextera Energy Inc Com 65339F101 1556014 20187 SH OTR 0 10444 120 9623 Nike Inc-Class B Com 654106103 2148285 17517 SH SOLE 0 17517 0 0 Nike Inc-Class B Com 654106103 606700 4947 SH OTR 0 4947 0 0 Norfolk Southern Corp Com 655844108 480392 2266 SH SOLE 0 2266 0 0 Norfolk Southern Corp Com 655844108 642572 3031 SH OTR 0 2731 0 300 Novartis Ag Spons ADR Com 66987V109 1148896 12488 SH SOLE 0 12338 0 150 Novartis Ag Spons ADR Com 66987V109 719808 7824 SH OTR 0 7724 100 0 Nucor Corp Com 670346105 1111412 7195 SH SOLE 0 7195 0 0 Nucor Corp Com 670346105 254876 1650 SH OTR 0 1150 0 500 Nvidia Corp Com 67066G104 1383129 4979 SH SOLE 0 4603 0 376 Nvidia Corp Com 67066G104 137218 494 SH OTR 0 494 0 0 O'Reilly Automotive Inc Com 67103H107 413453 487 SH SOLE 0 487 0 0 Oracle Corporation Com 68389X105 3090612 33261 SH SOLE 0 31761 0 1500 Oracle Corporation Com 68389X105 855514 9207 SH OTR 0 6437 70 2700 Otis Worldwide Corp Com 68902V107 656210 7775 SH SOLE 0 7378 50 347 Otis Worldwide Corp Com 68902V107 509692 6039 SH OTR 0 5406 533 100 Palo Alto Networks Com 697435105 855886 4285 SH SOLE 0 4285 0 0 Palo Alto Networks Com 697435105 627184 3140 SH OTR 0 3140 0 0 Paypal Holdings Inc Com 70450Y103 151121 1990 SH SOLE 0 1330 0 660 Paypal Holdings Inc Com 70450Y103 209594 2760 SH OTR 0 910 0 1850 Pepsico Inc Com 713448108 7440939 40817 SH SOLE 0 40154 90 573 Pepsico Inc Com 713448108 2956906 16220 SH OTR 0 15070 340 810 Pfizer Inc Com 717081103 4401871 107889 SH SOLE 0 103368 0 4521 Pfizer Inc Com 717081103 1950281 47801 SH OTR 0 44218 994 2589 Philip Morris International Com 718172109 825458 8488 SH SOLE 0 7813 0 675 Philip Morris International Com 718172109 2298601 23636 SH OTR 0 23636 0 0 T Rowe Price Group Inc Com 74144T108 2314676 20502 SH SOLE 0 20452 50 0 T Rowe Price Group Inc Com 74144T108 1420734 12584 SH OTR 0 12104 295 185 Procter & Gamble CO Com 742718109 8761707 58926 SH SOLE 0 54189 350 4387 Procter & Gamble CO Com 742718109 4602996 30957 SH OTR 0 26677 380 3900 Prudential Finl Inc Com 744320102 1036484 12527 SH SOLE 0 12477 50 0 Prudential Finl Inc Com 744320102 1057169 12777 SH OTR 0 12427 150 200 Public Service Enterprise Grou Com 744573106 95049 1522 SH SOLE 0 1522 0 0 Public Service Enterprise Grou Com 744573106 159248 2550 SH OTR 0 2550 0 0 Qualcomm Inc Com 747525103 3176232 24896 SH SOLE 0 24471 0 425 Qualcomm Inc Com 747525103 1594750 12500 SH OTR 0 11775 225 500 Quanta Services Incorporated Com 74762E102 799872 4800 SH OTR 0 1300 0 3500 Raytheon Technologies Corp Com 75513E101 3642702 37197 SH SOLE 0 36227 100 870 Raytheon Technologies Corp Com 75513E101 2401342 24521 SH OTR 0 22130 1186 1205 Shell PLC Spon ADS Com 780259305 5754 100 SH SOLE 0 100 0 0 Shell PLC Spon ADS Com 780259305 561015 9750 SH OTR 0 5150 0 4600 S&P Global Inc Com 78409V104 181004 525 SH SOLE 0 525 0 0 S&P Global Inc Com 78409V104 517155 1500 SH OTR 0 0 0 1500 SPDR S&P 500 ETF Trust Com 78462F103 5319721 12994 SH SOLE 0 12419 0 575 SPDR S&P 500 ETF Trust Com 78462F103 1174131 2868 SH OTR 0 2548 160 160 SPDR Gold Trust Com 78463V107 363325 1983 SH SOLE 0 1916 0 67 SPDR Gold Trust Com 78463V107 212535 1160 SH OTR 0 1160 0 0 SPDR Portfolio Emerging Market Com 78463X509 304201 8913 SH SOLE 0 8913 0 0 SPDR Portfolio Emerging Market Com 78463X509 36178 1060 SH OTR 0 1060 0 0 SPDR Portfolio Developed Wld e Com 78463X889 2575349 80179 SH SOLE 0 80179 0 0 SPDR Portfolio Developed Wld e Com 78463X889 637967 19862 SH OTR 0 19862 0 0 SPDR Portfolio Intermediate Te Com 78464A375 679821 20924 SH SOLE 0 20924 0 0 SPDR Portfolio Short Term Corp Com 78464A474 1876172 63320 SH SOLE 0 63320 0 0 SPDR S&P Regional Banking ETF Com 78464A698 1331677 30362 SH SOLE 0 29412 0 950 SPDR S&P Regional Banking ETF Com 78464A698 919481 20964 SH OTR 0 20764 100 100 SPDR S&P Dividend ETF Com 78464A763 11164085 90244 SH SOLE 0 90244 0 0 SPDR S&P Dividend ETF Com 78464A763 971124 7850 SH OTR 0 7850 0 0 SPDR Dow Jones Industrial Aver Com 78467X109 1043762 3138 SH SOLE 0 3138 0 0 SPDR Dow Jones Industrial Aver Com 78467X109 302684 910 SH OTR 0 810 0 100 Midcap SPDR Trust Series 1 Com 78467Y107 7652286 16693 SH SOLE 0 15703 0 990 Midcap SPDR Trust Series 1 Com 78467Y107 869008 1896 SH OTR 0 1814 50 32 Salesforce Inc Com 79466L302 1733092 8675 SH SOLE 0 8582 0 93 Salesforce Inc Com 79466L302 1161121 5812 SH OTR 0 5812 0 0 Schlumberger Ltd Com 806857108 1227893 25008 SH SOLE 0 24193 0 815 Schlumberger Ltd Com 806857108 721721 14699 SH OTR 0 14409 290 0 Charles Schwab Corp Com 808513105 191135 3649 SH SOLE 0 3649 0 0 Charles Schwab Corp Com 808513105 190401 3635 SH OTR 0 3635 0 0 Schwab US Small Cap ETF Com 808524607 2014988 48056 SH SOLE 0 48056 0 0 Schwab US Small Cap ETF Com 808524607 322777 7698 SH OTR 0 7698 0 0 Schwab Fundamental Intl Lg Co Com 808524755 267046 8540 SH SOLE 0 8540 0 0 Schwab US Dividend Equity ETF Com 808524797 6636709 90715 SH SOLE 0 89642 0 1073 Schwab US Dividend Equity ETF Com 808524797 1107350 15136 SH OTR 0 15136 0 0 Schwab International Equity ET Com 808524805 2763120 79400 SH SOLE 0 79400 0 0 Schwab International Equity ET Com 808524805 786619 22604 SH OTR 0 21939 0 665 Schwab US Aggregate Bd ETF Com 808524839 1131047 24111 SH SOLE 0 24111 0 0 Schwab US Aggregate Bd ETF Com 808524839 596179 12709 SH OTR 0 12709 0 0 Materials Select SPDR Fund Com 81369Y100 1720196 21327 SH SOLE 0 19295 0 2032 Materials Select SPDR Fund Com 81369Y100 771110 9560 SH OTR 0 8800 315 445 Health Care Select Sector SPDR Com 81369Y209 1163553 8988 SH SOLE 0 8467 0 521 Health Care Select Sector SPDR Com 81369Y209 87386 675 SH OTR 0 675 0 0 Consumer Staples Select Sector Com 81369Y308 583876 7815 SH SOLE 0 6495 0 1320 Consumer Staples Select Sector Com 81369Y308 126110 1688 SH OTR 0 1203 305 180 Consumer Discretionary Selt Com 81369Y407 1372329 9177 SH SOLE 0 7347 0 1830 Consumer Discretionary Selt Com 81369Y407 216833 1450 SH OTR 0 985 355 110 Energy Select Sector SPDR Com 81369Y506 982386 11860 SH SOLE 0 10480 0 1380 Energy Select Sector SPDR Com 81369Y506 184959 2233 SH OTR 0 2013 80 140 Financial Select Sector SPDR Com 81369Y605 984465 30621 SH SOLE 0 27932 0 2689 Financial Select Sector SPDR Com 81369Y605 114422 3559 SH OTR 0 3359 200 0 Industrial Select Sector SPDR Com 81369Y704 1058212 10459 SH SOLE 0 10203 0 256 Industrial Select Sector SPDR Com 81369Y704 189611 1874 SH OTR 0 1784 0 90 Technology Select Sect SPDR Com 81369Y803 2453308 16246 SH SOLE 0 15985 162 99 Technology Select Sect SPDR Com 81369Y803 434758 2879 SH OTR 0 2729 150 0 Real Estate Select Sect SPDR Com 81369Y860 836378 22375 SH SOLE 0 20049 105 2221 Real Estate Select Sect SPDR Com 81369Y860 1303628 34875 SH OTR 0 34704 46 125 Utilities Select Sector SPDR Com 81369Y886 1921651 28389 SH SOLE 0 24226 0 4163 Utilities Select Sector SPDR Com 81369Y886 1152422 17025 SH OTR 0 15935 620 470 Simon Ppty Group Inc Com 828806109 11197 100 SH SOLE 0 100 0 0 Simon Ppty Group Inc Com 828806109 201546 1800 SH OTR 0 1800 0 0 Southern Company Com 842587107 1176180 16904 SH SOLE 0 16904 0 0 Southern Company Com 842587107 640762 9209 SH OTR 0 9209 0 0 Starbucks Corp Com 855244109 152655 1466 SH SOLE 0 1466 0 0 Starbucks Corp Com 855244109 516485 4960 SH OTR 0 4960 0 0 State Street Corp Com 857477103 197702 2612 SH SOLE 0 2612 0 0 State Street Corp Com 857477103 43522 575 SH OTR 0 575 0 0 Stryker Corporation Com 863667101 265487 930 SH SOLE 0 930 0 0 Sysco Corp Com 871829107 563393 7295 SH SOLE 0 7295 0 0 Sysco Corp Com 871829107 329077 4261 SH OTR 0 4261 0 0 TJX Cos Inc Com 872540109 2842587 36276 SH SOLE 0 34676 300 1300 TJX Cos Inc Com 872540109 2550696 32551 SH OTR 0 31742 455 354 Target Corp Com 87612E106 2747137 16586 SH SOLE 0 16009 0 577 Target Corp Com 87612E106 2291491 13835 SH OTR 0 11070 165 2600 Texas Instruments Inc Com 882508104 338724 1821 SH SOLE 0 1821 0 0 Texas Instruments Inc Com 882508104 123139 662 SH OTR 0 530 0 132 Thermo Fisher Scientific Inc Com 883556102 98559 171 SH SOLE 0 171 0 0 Thermo Fisher Scientific Inc Com 883556102 518733 900 SH OTR 0 0 0 900 3m CO Com 88579Y101 1105226 10515 SH SOLE 0 9474 330 711 3m CO Com 88579Y101 279593 2660 SH OTR 0 2025 265 370 Truist Financial Corporation Com 89832Q109 275982 8093 SH SOLE 0 7804 0 289 Truist Financial Corporation Com 89832Q109 139640 4095 SH OTR 0 4095 0 0 US Bancorp New Com 902973304 612562 16992 SH SOLE 0 16992 0 0 US Bancorp New Com 902973304 190416 5282 SH OTR 0 4511 555 216 Union Pac Corp Com 907818108 3473345 17258 SH SOLE 0 16350 0 908 Union Pac Corp Com 907818108 3306702 16430 SH OTR 0 14800 50 1580 United Parcel Service Cl B Com 911312106 809714 4174 SH SOLE 0 4174 0 0 United Parcel Service Cl B Com 911312106 319890 1649 SH OTR 0 1614 35 0 Unitedhealth Group Inc Com 91324P102 3260871 6900 SH SOLE 0 6700 0 200 Unitedhealth Group Inc Com 91324P102 1844991 3904 SH OTR 0 3760 74 70 Vaneck ETF Trust Agribusiness Com 92189F700 1007877 11603 SH SOLE 0 10773 50 780 Vaneck ETF Trust Agribusiness Com 92189F700 948164 10916 SH OTR 0 10691 125 100 Vanguard Dividend Appreciation Com 921908844 127058 825 SH SOLE 0 825 0 0 Vanguard Dividend Appreciation Com 921908844 154010 1000 SH OTR 0 1000 0 0 Vanguard Total Intl Stock Et Com 921909768 15459 280 SH SOLE 0 280 0 0 Vanguard Total Intl Stock Et Com 921909768 284332 5150 SH OTR 0 5150 0 0 Vanguard Intermediate-Term Bon Com 921937819 362213 4720 SH SOLE 0 4720 0 0 Vanguard Intermediate-Term Bon Com 921937819 113192 1475 SH OTR 0 1475 0 0 Vanguard Short Term Bond ETF Com 921937827 1147350 15000 SH SOLE 0 15000 0 0 Vanguard Short Term Bond ETF Com 921937827 35185 460 SH OTR 0 460 0 0 Vanguard Total Bond Market ETF Com 921937835 239431 3243 SH SOLE 0 3243 0 0 Vanguard Total Bond Market ETF Com 921937835 123665 1675 SH OTR 0 1675 0 0 Vanguard FTSE Developed Market Com 921943858 124218 2750 SH SOLE 0 2750 0 0 Vanguard FTSE Developed Market Com 921943858 154707 3425 SH OTR 0 3425 0 0 Vanguard High Dividend Yield E Com 921946406 260269 2467 SH SOLE 0 2467 0 0 Vanguard High Dividend Yield E Com 921946406 65410 620 SH OTR 0 620 0 0 Vanguard Ftse All-World Ex-USI Com 922042775 446368 8348 SH SOLE 0 8348 0 0 Vanguard Ftse Emerging Markets Com 922042858 1332796 32990 SH SOLE 0 32990 0 0 Vanguard Ftse Emerging Markets Com 922042858 252702 6255 SH OTR 0 5755 0 500 Vanguard Inter Term Corp Bond Com 92206C870 976759 12176 SH SOLE 0 12176 0 0 Vanguard Inter Term Corp Bond Com 92206C870 897501 11188 SH OTR 0 11188 0 0 Vanguard S&P 500 ETF Com 922908363 1852897 4927 SH SOLE 0 4740 0 187 Vanguard Mid-Cap Value Index F Com 922908512 412802 3079 SH SOLE 0 3079 0 0 Vanguard Mid-Cap Value Index F Com 922908512 24133 180 SH OTR 0 180 0 0 Vanguard Real Estate ETF Com 922908553 939432 11313 SH SOLE 0 11313 0 0 Vanguard Real Estate ETF Com 922908553 433884 5225 SH OTR 0 4930 295 0 Vanguard Index Fund Mid-Cap Com 922908629 222310 1054 SH SOLE 0 1054 0 0 Vanguard Index Fund Mid-Cap Com 922908629 81204 385 SH OTR 0 385 0 0 Vanguard Value ETF Com 922908744 58835 426 SH SOLE 0 426 0 0 Vanguard Value ETF Com 922908744 400519 2900 SH OTR 0 2900 0 0 Verizon Communications Com 92343V104 2082987 53561 SH SOLE 0 50332 830 2399 Verizon Communications Com 92343V104 1313432 33773 SH OTR 0 30677 225 2871 Visa Inc Cl A Com 92826C839 2055293 9116 SH SOLE 0 9116 0 0 Visa Inc Cl A Com 92826C839 1582729 7020 SH OTR 0 6920 100 0 Wal Mart Inc Com 931142103 2214699 15020 SH SOLE 0 14620 0 400 Wal Mart Inc Com 931142103 1992197 13511 SH OTR 0 11895 350 1266 Walgreens Boots Alliance Inc Com 931427108 196656 5687 SH SOLE 0 5687 0 0 Walgreens Boots Alliance Inc Com 931427108 114114 3300 SH OTR 0 2700 0 600 Waste Management Inc Com 94106L109 75874 465 SH SOLE 0 465 0 0 Waste Management Inc Com 94106L109 241492 1480 SH OTR 0 1250 0 230 Wells Fargo & CO Com 949746101 1075020 28759 SH SOLE 0 27980 0 779 Wells Fargo & CO Com 949746101 365390 9775 SH OTR 0 6990 600 2185 WisdomTree MidCap Dividend ETF Com 97717W505 2101495 51281 SH SOLE 0 50605 0 676 WisdomTree MidCap Dividend ETF Com 97717W505 246454 6014 SH OTR 0 3004 0 3010 WisdomTree SmallCap Dividend E Com 97717W604 658422 23054 SH SOLE 0 22933 0 121 WisdomTree SmallCap Dividend E Com 97717W604 24048 842 SH OTR 0 842 0 0 Xylem Inc Com 98419M100 364251 3479 SH SOLE 0 3479 0 0 Xylem Inc Com 98419M100 78525 750 SH OTR 0 750 0 0 Yum! Brands Inc Com 988498101 297972 2256 SH SOLE 0 2256 0 0 Yum! Brands Inc Com 988498101 66040 500 SH OTR 0 500 0 0 Zimmer Biomet Holdings Inc Com 98956P102 448453 3471 SH SOLE 0 3221 60 190 Zimmer Biomet Holdings Inc Com 98956P102 324680 2513 SH OTR 0 2088 100 325 Deutsche Bank Ag ADR Com D18190898 101647 10000 SH SOLE 0 10000 0 0 Eaton Corp PLC Com G29183103 1064535 6213 SH SOLE 0 6213 0 0 Eaton Corp PLC Com G29183103 718600 4194 SH OTR 0 3119 0 1075 Linde PLC Com G54950103 1942124 5464 SH SOLE 0 5464 0 0 Linde PLC Com G54950103 1081959 3044 SH OTR 0 2119 0 925 Medtronic PLC Com G5960L103 779999 9675 SH SOLE 0 9675 0 0 Medtronic PLC Com G5960L103 746622 9261 SH OTR 0 8690 71 500