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
AT&T Inc Com 00206R102 2,732 72,208 SH   SOLE 0 70,808 0 1,400
AT&T Inc Com 00206R102 1,718 45,415 SH   OTR 0 39,752 400 5,263
Abbott Labs Com 002824100 5,538 66,191 SH   SOLE 0 65,691 0 500
Abbott Labs Com 002824100 1,985 23,730 SH   OTR 0 21,705 621 1,404
Abbvie Inc Com 00287Y109 2,207 29,145 SH   SOLE 0 28,945 0 200
Abbvie Inc Com 00287Y109 1,446 19,092 SH   OTR 0 17,327 295 1,470
Activision Blizzard, Inc Com 00507V109 521 9,837 SH   SOLE 0 9,837 0 0
Activision Blizzard, Inc Com 00507V109 343 6,475 SH   OTR 0 6,475 0 0
Air Products & Chemicals Inc Com 009158106 1,499 6,758 SH   SOLE 0 6,758 0 0
Air Products & Chemicals Inc Com 009158106 469 2,115 SH   OTR 0 2,115 0 0
Alphabet Inc Cl C Com 02079K107 2,917 2,393 SH   SOLE 0 2,338 0 55
Alphabet Inc Cl C Com 02079K107 2,528 2,074 SH   OTR 0 2,059 0 15
Alphabet Inc Cl A Com 02079K305 2,595 2,125 SH   SOLE 0 2,105 0 20
Alphabet Inc Cl A Com 02079K305 525 430 SH   OTR 0 430 0 0
Altria Group Inc Com 02209S103 509 12,448 SH   SOLE 0 11,373 0 1,075
Altria Group Inc Com 02209S103 1,524 37,250 SH   OTR 0 36,350 200 700
Amazon.Com Inc Com 023135106 1,038 598 SH   SOLE 0 598 0 0
Amazon.Com Inc Com 023135106 352 203 SH   OTR 0 203 0 0
American Express CO Com 025816109 700 5,915 SH   SOLE 0 5,915 0 0
American Express CO Com 025816109 195 1,651 SH   OTR 0 1,365 0 286
American Water Works CO Inc Com 030420103 1,337 10,761 SH   SOLE 0 10,761 0 0
American Water Works CO Inc Com 030420103 1,232 9,915 SH   OTR 0 7,805 100 2,010
Amgen Inc Com 031162100 499 2,579 SH   SOLE 0 2,579 0 0
Amgen Inc Com 031162100 365 1,885 SH   OTR 0 1,885 0 0
Apache Corp Com 037411105 397 15,506 SH   SOLE 0 15,506 0 0
Apache Corp Com 037411105 284 11,080 SH   OTR 0 10,380 100 600
Apple Inc Com 037833100 11,451 51,129 SH   SOLE 0 47,884 105 3,140
Apple Inc Com 037833100 5,675 25,338 SH   OTR 0 23,603 790 945
Arrow Finl Corp Com 042744102 569 17,036 SH   SOLE 0 9,548 0 7,488
Arrow Finl Corp Com 042744102 120 3,581 SH   OTR 0 3,581 0 0
Autoliv Inc Com 052800109 842 10,677 SH   SOLE 0 9,927 0 750
Autoliv Inc Com 052800109 972 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 4,137 25,629 SH   SOLE 0 25,349 0 280
Automatic Data Processing Inc Com 053015103 1,401 8,681 SH   OTR 0 8,061 140 480
BP PLC Spons ADR Com 055622104 97 2,546 SH   SOLE 0 2,546 0 0
BP PLC Spons ADR Com 055622104 299 7,876 SH   OTR 0 7,676 0 200
Bank of America Corp Com 060505104 654 22,408 SH   SOLE 0 22,408 0 0
Bank of America Corp Com 060505104 396 13,575 SH   OTR 0 13,575 0 0
Bank of New York Mellon Corp Com 064058100 491 10,859 SH   SOLE 0 10,859 0 0
Bank of New York Mellon Corp Com 064058100 38 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 700 7,999 SH   SOLE 0 7,999 0 0
Baxter Intl Inc Com 071813109 372 4,249 SH   OTR 0 2,689 100 1,460
Becton Dickinson Com 075887109 426 1,686 SH   SOLE 0 1,686 0 0
Becton Dickinson Com 075887109 267 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,393 11,502 SH   SOLE 0 11,272 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,741 8,368 SH   OTR 0 8,348 20 0
Best Buy Company Inc Com 086516101 322 4,668 SH   SOLE 0 4,668 0 0
Best Buy Company Inc Com 086516101 27 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 158 3,204 SH   SOLE 0 3,004 0 200
BHP Group Ltd Spons ADR Com 088606108 88 1,775 SH   OTR 0 1,725 0 50
Boeing CO Com 097023105 1,850 4,862 SH   SOLE 0 4,627 0 235
Boeing CO Com 097023105 3,128 8,221 SH   OTR 0 8,121 100 0
Bristol Myers Squibb CO Com 110122108 3,450 68,032 SH   SOLE 0 65,187 725 2,120
Bristol Myers Squibb CO Com 110122108 1,814 35,765 SH   OTR 0 32,435 480 2,850
Cigna Corp Com 125523100 190 1,254 SH   SOLE 0 1,199 18 37
Cigna Corp Com 125523100 46 306 SH   OTR 0 306 0 0
Csx Corp Com 126408103 198 2,856 SH   SOLE 0 2,856 0 0
Csx Corp Com 126408103 226 3,260 SH   OTR 0 3,260 0 0
CVS Health Corp Com 126650100 2,136 33,875 SH   SOLE 0 33,235 0 640
CVS Health Corp Com 126650100 976 15,468 SH   OTR 0 13,453 340 1,675
Capital One Financial Corp Com 14040H105 225 2,475 SH   SOLE 0 2,475 0 0
Celgene Corp Com 151020104 281 2,825 SH   SOLE 0 2,825 0 0
Celgene Corp Com 151020104 258 2,595 SH   OTR 0 2,595 0 0
Chevron Corporation Com 166764100 5,614 47,336 SH   SOLE 0 45,921 400 1,015
Chevron Corporation Com 166764100 4,293 36,198 SH   OTR 0 34,305 485 1,408
Cisco Systems Inc Com 17275R102 3,436 69,535 SH   SOLE 0 66,780 0 2,755
Cisco Systems Inc Com 17275R102 2,310 46,756 SH   OTR 0 45,751 525 480
Citigroup Inc Com 172967424 704 10,187 SH   SOLE 0 10,187 0 0
Citigroup Inc Com 172967424 514 7,445 SH   OTR 0 6,545 150 750
Clorox Company Com 189054109 760 5,002 SH   SOLE 0 5,002 0 0
Clorox Company Com 189054109 579 3,810 SH   OTR 0 3,325 0 485
Coca Cola CO Com 191216100 2,599 47,744 SH   SOLE 0 41,894 1,050 4,800
Coca Cola CO Com 191216100 1,681 30,870 SH   OTR 0 25,515 150 5,205
Colgate Palmolive CO Com 194162103 1,232 16,760 SH   SOLE 0 14,860 500 1,400
Colgate Palmolive CO Com 194162103 872 11,860 SH   OTR 0 10,160 0 1,700
ComCast Corp-Cl A Com 20030N101 1,021 22,658 SH   SOLE 0 20,876 0 1,782
ComCast Corp-Cl A Com 20030N101 381 8,459 SH   OTR 0 6,461 650 1,348
Conocophillips Com 20825C104 549 9,632 SH   SOLE 0 9,432 100 100
Conocophillips Com 20825C104 162 2,837 SH   OTR 0 2,587 100 150
Corning Inc Com 219350105 376 13,201 SH   SOLE 0 13,201 0 0
Corning Inc Com 219350105 419 14,700 SH   OTR 0 12,150 700 1,850
Corteva Inc Com Com 22052L104 97 3,464 SH   SOLE 0 3,373 0 91
Corteva Inc Com Com 22052L104 301 10,757 SH   OTR 0 10,055 34 668
Costco Wholesale Corp Com 22160K105 491 1,704 SH   SOLE 0 1,704 0 0
Costco Wholesale Corp Com 22160K105 394 1,369 SH   OTR 0 729 0 640
Danaher Corp Com 235851102 3,641 25,209 SH   SOLE 0 23,379 0 1,830
Danaher Corp Com 235851102 2,129 14,738 SH   OTR 0 12,808 140 1,790
Deere & CO Com 244199105 1,628 9,651 SH   SOLE 0 9,461 25 165
Deere & CO Com 244199105 1,977 11,719 SH   OTR 0 11,649 70 0
Digital Realty Trust Inc REIT Com 253868103 112 860 SH   SOLE 0 860 0 0
Digital Realty Trust Inc REIT Com 253868103 155 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 4,966 38,104 SH   SOLE 0 37,319 0 785
Disney Walt CO New Com 254687106 2,966 22,756 SH   OTR 0 21,391 570 795
Dominion Resources Inc Com 25746U109 1,213 14,967 SH   SOLE 0 14,657 0 310
Dominion Resources Inc Com 25746U109 961 11,855 SH   OTR 0 9,325 80 2,450
Dow Inc Com Com 260557103 642 13,472 SH   SOLE 0 13,381 0 91
Dow Inc Com Com 260557103 737 15,464 SH   OTR 0 14,174 50 1,240
Duke Energy Corp Com 26441C204 287 2,995 SH   SOLE 0 2,695 300 0
Duke Energy Corp Com 26441C204 178 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 976 13,682 SH   SOLE 0 13,591 0 91
Dupont De Nemours Inc Com 26614N102 1,121 15,720 SH   OTR 0 14,330 50 1,340
Ecolab Inc Com 278865100 1,684 8,502 SH   SOLE 0 8,502 0 0
Ecolab Inc Com 278865100 580 2,930 SH   OTR 0 2,440 40 450
Emerson Elec CO Com 291011104 897 13,417 SH   SOLE 0 13,417 0 0
Emerson Elec CO Com 291011104 430 6,431 SH   OTR 0 6,331 100 0
Exelon Corp Com 30161N101 197 4,085 SH   SOLE 0 4,085 0 0
Exelon Corp Com 30161N101 185 3,831 SH   OTR 0 3,481 0 350
Exxonmobil Corp Com 30231G102 6,963 98,615 SH   SOLE 0 94,270 850 3,495
Exxonmobil Corp Com 30231G102 5,272 74,662 SH   OTR 0 71,317 635 2,710
Facebook Inc-A Com 30303M102 846 4,751 SH   SOLE 0 4,751 0 0
Facebook Inc-A Com 30303M102 698 3,919 SH   OTR 0 3,919 0 0
Fiserv Inc Com 337738108 762 7,356 SH   SOLE 0 7,356 0 0
Fiserv Inc Com 337738108 132 1,274 SH   OTR 0 1,274 0 0
FlexShares Emerging Mkts Facto Com 33939L308 826 17,135 SH   SOLE 0 17,135 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 37,735 1,211,382 SH   SOLE 0 1,202,484 0 8,898
FlexShares Mstar Glbl Upstrm N Com 33939L407 4,525 145,271 SH   OTR 0 136,874 340 8,057
FlexShares Real Assets Allocat Com 33939L738 926 31,050 SH   SOLE 0 31,050 0 0
FlexShares Global Quality Real Com 33939L787 845 12,970 SH   SOLE 0 12,970 0 0
FlexShares Global Quality Real Com 33939L787 2 30 SH   OTR 0 30 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 4,073 78,719 SH   SOLE 0 78,694 0 25
FlexShares STOXX Glbl Brd Infr Com 33939L795 268 5,180 SH   OTR 0 4,475 0 705
FlexShares Intl Quality Divide Com 33939L811 1,946 91,790 SH   SOLE 0 91,790 0 0
FlexShares International Quali Com 33939L837 503 22,570 SH   SOLE 0 22,570 0 0
FlexShares International Quali Com 33939L837 81 3,655 SH   OTR 0 3,655 0 0
FlexShares Quality Dividend De Com 33939L845 3,235 70,750 SH   SOLE 0 70,750 0 0
Fortive Corp Com 34959J108 412 6,011 SH   SOLE 0 5,401 0 610
Fortive Corp Com 34959J108 171 2,499 SH   OTR 0 1,655 50 794
General Dynamics Corp Com 369550108 971 5,313 SH   SOLE 0 5,163 0 150
General Dynamics Corp Com 369550108 206 1,130 SH   OTR 0 1,080 0 50
General Electric Corp Com 369604103 378 42,274 SH   SOLE 0 42,149 0 125
General Electric Corp Com 369604103 298 33,321 SH   OTR 0 31,996 300 1,025
General Mls Inc Com 370334104 616 11,180 SH   SOLE 0 11,180 0 0
General Mls Inc Com 370334104 478 8,670 SH   OTR 0 6,825 100 1,745
Gilead Sciences Inc Com 375558103 294 4,641 SH   SOLE 0 4,641 0 0
Gilead Sciences Inc Com 375558103 42 665 SH   OTR 0 665 0 0
Glaxo Smithkline Spons ADR Com 37733W105 317 7,426 SH   SOLE 0 7,426 0 0
Glaxo Smithkline Spons ADR Com 37733W105 265 6,212 SH   OTR 0 5,207 255 750
Goldman Sachs Group Inc Com 38141G104 827 3,993 SH   SOLE 0 3,973 20 0
Goldman Sachs Group Inc Com 38141G104 790 3,810 SH   OTR 0 3,810 0 0
Grainger W W Inc Com 384802104 1,077 3,625 SH   SOLE 0 3,625 0 0
Grainger W W Inc Com 384802104 822 2,765 SH   OTR 0 1,795 100 870
Home Depot Inc Com 437076102 801 3,451 SH   SOLE 0 3,451 0 0
Home Depot Inc Com 437076102 1,287 5,545 SH   OTR 0 4,995 50 500
Honeywell International Inc Com 438516106 3,080 18,202 SH   SOLE 0 17,337 0 865
Honeywell International Inc Com 438516106 1,265 7,479 SH   OTR 0 5,905 300 1,274
Illinois Tool Wks Inc Com 452308109 301 1,925 SH   SOLE 0 1,925 0 0
Illinois Tool Wks Inc Com 452308109 86 550 SH   OTR 0 550 0 0
Intel Corp Com 458140100 6,079 117,961 SH   SOLE 0 115,261 1,200 1,500
Intel Corp Com 458140100 2,341 45,424 SH   OTR 0 43,174 1,250 1,000
Intercontinental Exchange Inc Com 45866F104 604 6,545 SH   SOLE 0 6,545 0 0
Intercontinental Exchange Inc Com 45866F104 76 825 SH   OTR 0 625 0 200
Intl. Business Machines Corp Com 459200101 1,925 13,239 SH   SOLE 0 11,799 435 1,005
Intl. Business Machines Corp Com 459200101 1,959 13,471 SH   OTR 0 11,888 0 1,583
Ishares Msci Emerging Mkt ETF Com 464287234 2,931 71,705 SH   SOLE 0 70,879 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 691 16,899 SH   OTR 0 15,819 355 725
Ishares Msci Eafe ETF Com 464287465 3,176 48,710 SH   SOLE 0 48,710 0 0
Ishares Msci Eafe ETF Com 464287465 807 12,379 SH   OTR 0 11,769 285 325
Ishares Russell Mid Cap ETF Com 464287499 207 3,695 SH   SOLE 0 3,695 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,538 7,961 SH   SOLE 0 7,961 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 501 2,591 SH   OTR 0 2,391 0 200
Ishares Nasdaq Biotech ETF Com 464287556 2,285 22,964 SH   SOLE 0 22,376 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,307 13,132 SH   OTR 0 12,367 615 150
Ishares Russell 2000 ETF Com 464287655 4,763 31,472 SH   SOLE 0 30,703 0 769
Ishares Russell 2000 ETF Com 464287655 566 3,743 SH   OTR 0 3,473 235 35
Ishares DJ US Telcom Sector ET Com 464287713 752 25,744 SH   SOLE 0 25,744 0 0
Ishares DJ US Telcom Sector ET Com 464287713 573 19,615 SH   OTR 0 19,415 200 0
Ishares Msci Eafe Small Cap ET Com 464288273 3,355 58,625 SH   SOLE 0 58,625 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 549 9,590 SH   OTR 0 9,450 0 140
Ishares New York Muni Bond ETF Com 464288323 895 15,642 SH   SOLE 0 15,642 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,576 18,085 SH   SOLE 0 18,085 0 0
Ishares IBoxx High Yield Corpo Com 464288513 7 80 SH   OTR 0 80 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 240 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,445 65,157 SH   SOLE 0 65,157 0 0
Ishares S&P Pref Stk ETF Com 464288687 584 15,559 SH   OTR 0 11,579 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 11,641 144,596 SH   SOLE 0 142,678 0 1,918
Ishares MSCI EAFE Growth ETF Com 464288885 127 1,573 SH   OTR 0 1,573 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 211 3,855 SH   SOLE 0 3,855 0 0
Ishares Core Emerging Markets Com 46434G103 2,766 56,436 SH   SOLE 0 56,436 0 0
Ishares Core Emerging Markets Com 46434G103 675 13,760 SH   OTR 0 13,760 0 0
JP Morgan Chase & CO Com 46625H100 8,351 70,961 SH   SOLE 0 69,874 112 975
JP Morgan Chase & CO Com 46625H100 5,693 48,369 SH   OTR 0 45,369 640 2,360
Johnson & Johnson Com 478160104 8,302 64,168 SH   SOLE 0 60,075 150 3,943
Johnson & Johnson Com 478160104 4,027 31,126 SH   OTR 0 28,591 310 2,225
Keycorp Com 493267108 49 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 193 10,800 SH   OTR 0 10,800 0 0
Kimberly Clark Corp Com 494368103 559 3,938 SH   SOLE 0 3,938 0 0
Kimberly Clark Corp Com 494368103 138 975 SH   OTR 0 975 0 0
Kraft Heinz CO Com 500754106 60 2,144 SH   SOLE 0 2,078 0 66
Kraft Heinz CO Com 500754106 208 7,446 SH   OTR 0 7,400 46 0
Lilly Eli & CO Com 532457108 247 2,213 SH   SOLE 0 1,685 0 528
Lilly Eli & CO Com 532457108 703 6,285 SH   OTR 0 5,260 0 1,025
Lockheed Martin Corp Com 539830109 3,031 7,771 SH   SOLE 0 7,256 0 515
Lockheed Martin Corp Com 539830109 1,203 3,084 SH   OTR 0 3,084 0 0
Lowes Cos Inc Com 548661107 5,543 50,410 SH   SOLE 0 50,010 25 375
Lowes Cos Inc Com 548661107 3,084 28,047 SH   OTR 0 26,712 335 1,000
Marriott International Inc Com 571903202 323 2,595 SH   SOLE 0 2,595 0 0
Mastercard Inc Cl A Com 57636Q104 150 553 SH   SOLE 0 553 0 0
Mastercard Inc Cl A Com 57636Q104 183 675 SH   OTR 0 675 0 0
McDonalds Corp Com 580135101 7,348 34,225 SH   SOLE 0 34,120 75 30
McDonalds Corp Com 580135101 4,472 20,826 SH   OTR 0 19,811 265 750
Merck & CO Inc Com 58933Y105 3,562 42,313 SH   SOLE 0 40,838 675 800
Merck & CO Inc Com 58933Y105 2,044 24,287 SH   OTR 0 23,297 165 825
Metlife Inc Com 59156R108 371 7,871 SH   SOLE 0 7,871 0 0
Metlife Inc Com 59156R108 119 2,525 SH   OTR 0 2,114 111 300
Microsoft Corp Com 594918104 11,940 85,884 SH   SOLE 0 83,269 225 2,390
Microsoft Corp Com 594918104 6,697 48,167 SH   OTR 0 45,577 770 1,820
Microchip Technology Inc Com 595017104 1,691 18,200 SH   SOLE 0 18,200 0 0
Microchip Technology Inc Com 595017104 533 5,733 SH   OTR 0 4,808 150 775
Mondelez International Inc Com 609207105 480 8,670 SH   SOLE 0 8,056 0 614
Mondelez International Inc Com 609207105 1,044 18,867 SH   OTR 0 18,729 138 0
NBT Bancorp Inc Com 628778102 4,991 136,404 SH   SOLE 0 60,063 0 76,341
NBT Bancorp Inc Com 628778102 886 24,226 SH   OTR 0 20,960 0 3,266
Nextera Energy Inc Com 65339F101 1,980 8,498 SH   SOLE 0 8,048 0 450
Nextera Energy Inc Com 65339F101 1,584 6,797 SH   OTR 0 4,837 30 1,930
Nike Inc-Class B Com 654106103 2,228 23,722 SH   SOLE 0 23,722 0 0
Nike Inc-Class B Com 654106103 1,280 13,624 SH   OTR 0 9,484 140 4,000
Norfolk Southern Corp Com 655844108 893 4,968 SH   SOLE 0 4,968 0 0
Norfolk Southern Corp Com 655844108 1,159 6,450 SH   OTR 0 5,355 70 1,025
Novartis Ag Spons ADR Com 66987V109 1,400 16,112 SH   SOLE 0 16,112 0 0
Novartis Ag Spons ADR Com 66987V109 1,044 12,012 SH   OTR 0 11,612 150 250
Nucor Corp Com 670346105 404 7,927 SH   SOLE 0 7,927 0 0
Nucor Corp Com 670346105 341 6,700 SH   OTR 0 4,250 0 2,450
O'Reilly Automotive Inc Com 67103H107 239 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 2,098 38,122 SH   SOLE 0 36,622 0 1,500
Oracle Corporation Com 68389X105 491 8,915 SH   OTR 0 8,715 0 200
Pepsico Inc Com 713448108 6,728 49,075 SH   SOLE 0 48,675 100 300
Pepsico Inc Com 713448108 3,368 24,567 SH   OTR 0 23,412 345 810
Pfizer Inc Com 717081103 3,828 106,554 SH   SOLE 0 103,454 0 3,100
Pfizer Inc Com 717081103 2,671 74,326 SH   OTR 0 69,997 1,740 2,589
Philip Morris International Com 718172109 627 8,259 SH   SOLE 0 7,434 0 825
Philip Morris International Com 718172109 2,259 29,752 SH   OTR 0 29,602 150 0
T Rowe Price Group Inc Com 74144T108 3,169 27,741 SH   SOLE 0 27,691 50 0
T Rowe Price Group Inc Com 74144T108 1,920 16,802 SH   OTR 0 16,207 295 300
Procter & Gamble CO Com 742718109 9,221 74,135 SH   SOLE 0 69,920 500 3,715
Procter & Gamble CO Com 742718109 5,034 40,474 SH   OTR 0 35,969 405 4,100
Prudential Finl Inc Com 744320102 1,383 15,374 SH   SOLE 0 15,324 50 0
Prudential Finl Inc Com 744320102 1,071 11,907 SH   OTR 0 11,557 150 200
Public Service Enterprise Grou Com 744573106 125 2,012 SH   SOLE 0 2,012 0 0
Public Service Enterprise Grou Com 744573106 158 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 1,932 25,327 SH   SOLE 0 24,902 0 425
Qualcomm Inc Com 747525103 1,037 13,594 SH   OTR 0 12,969 125 500
Royal Dutch Shell Spons ADR Com 780259206 32 545 SH   SOLE 0 545 0 0
Royal Dutch Shell Spons ADR Com 780259206 212 3,601 SH   OTR 0 3,351 0 250
SPDR S&P 500 ETF Trust Com 78462F103 3,249 10,947 SH   SOLE 0 10,638 0 309
SPDR S&P 500 ETF Trust Com 78462F103 959 3,233 SH   OTR 0 2,873 160 200
SPDR Gold Trust Com 78463V107 246 1,774 SH   SOLE 0 1,774 0 0
SPDR Gold Trust Com 78463V107 7 50 SH   OTR 0 50 0 0
SPDR Portfolio Developed Wld e Com 78463X889 6,431 219,044 SH   SOLE 0 219,044 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,085 36,950 SH   OTR 0 36,950 0 0
SPDR S&P Sm Cap Value ETF Com 78464A300 388 6,340 SH   SOLE 0 6,340 0 0
SPDR Portfolio Intermediate Te Com 78464A375 700 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,984 37,586 SH   SOLE 0 37,586 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,149 21,762 SH   OTR 0 21,562 100 100
SPDR S&P Dividend ETF Com 78464A763 9,636 93,922 SH   SOLE 0 93,922 0 0
SPDR S&P Dividend ETF Com 78464A763 805 7,850 SH   OTR 0 7,450 0 400
SPDR Dow Jones Industrial Aver Com 78467X109 1,008 3,745 SH   SOLE 0 3,745 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 331 1,230 SH   OTR 0 1,130 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,941 19,692 SH   SOLE 0 19,316 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 852 2,416 SH   OTR 0 2,236 125 55
Salesforce.Com Com 79466L302 955 6,431 SH   SOLE 0 6,411 20 0
Salesforce.Com Com 79466L302 790 5,320 SH   OTR 0 5,320 0 0
Schlumberger Ltd Com 806857108 1,045 30,593 SH   SOLE 0 29,878 0 715
Schlumberger Ltd Com 806857108 385 11,263 SH   OTR 0 11,103 160 0
Charles Schwab Corp Com 808513105 155 3,705 SH   SOLE 0 3,705 0 0
Charles Schwab Corp Com 808513105 177 4,225 SH   OTR 0 4,225 0 0
Schwab US Small Cap ETF Com 808524607 432 6,190 SH   SOLE 0 6,190 0 0
Schwab Fundamental Intl Lg Co Com 808524755 221 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 4,249 77,560 SH   SOLE 0 76,204 0 1,356
Schwab US Dividend Equity ETF Com 808524797 694 12,675 SH   OTR 0 12,675 0 0
Schwab International Equity ET Com 808524805 212 6,660 SH   SOLE 0 6,660 0 0
Schwab International Equity ET Com 808524805 82 2,580 SH   OTR 0 2,580 0 0
Materials Select SPDR Fund Com 81369Y100 1,177 20,229 SH   SOLE 0 18,249 0 1,980
Materials Select SPDR Fund Com 81369Y100 531 9,131 SH   OTR 0 8,301 375 455
Health Care Select Sector SPDR Com 81369Y209 907 10,065 SH   SOLE 0 9,760 0 305
Health Care Select Sector SPDR Com 81369Y209 192 2,130 SH   OTR 0 2,130 0 0
Consumer Staples Select Sector Com 81369Y308 594 9,671 SH   SOLE 0 9,286 0 385
Consumer Staples Select Sector Com 81369Y308 78 1,277 SH   OTR 0 987 100 190
Consumer Discretionary Selt Com 81369Y407 1,414 11,719 SH   SOLE 0 10,129 0 1,590
Consumer Discretionary Selt Com 81369Y407 156 1,295 SH   OTR 0 770 390 135
Energy Select Sector SPDR Com 81369Y506 583 9,840 SH   SOLE 0 9,465 0 375
Energy Select Sector SPDR Com 81369Y506 59 993 SH   OTR 0 760 80 153
Financial Select Sector SPDR Com 81369Y605 910 32,483 SH   SOLE 0 30,983 0 1,500
Financial Select Sector SPDR Com 81369Y605 32 1,160 SH   OTR 0 960 200 0
Industrial Select Sector SPDR Com 81369Y704 1,050 13,525 SH   SOLE 0 13,475 0 50
Industrial Select Sector SPDR Com 81369Y704 109 1,400 SH   OTR 0 1,300 0 100
Technology Select Sect SPDR Com 81369Y803 2,017 25,045 SH   SOLE 0 24,683 162 200
Technology Select Sect SPDR Com 81369Y803 204 2,537 SH   OTR 0 2,387 150 0
Real Estate Select Sect SPDR Com 81369Y860 987 25,089 SH   SOLE 0 23,567 105 1,417
Real Estate Select Sect SPDR Com 81369Y860 1,074 27,299 SH   OTR 0 27,128 46 125
Utilities Select Sector SPDR Com 81369Y886 1,835 28,350 SH   SOLE 0 27,200 0 1,150
Utilities Select Sector SPDR Com 81369Y886 1,226 18,943 SH   OTR 0 17,956 475 512
Southern Company Com 842587107 1,169 18,919 SH   SOLE 0 18,919 0 0
Southern Company Com 842587107 887 14,360 SH   OTR 0 14,235 0 125
Starbucks Corp Com 855244109 129 1,461 SH   SOLE 0 1,461 0 0
Starbucks Corp Com 855244109 301 3,400 SH   OTR 0 3,400 0 0
State Street Corp Com 857477103 183 3,098 SH   SOLE 0 3,098 0 0
State Street Corp Com 857477103 38 650 SH   OTR 0 575 0 75
Stryker Corporation Com 863667101 390 1,805 SH   SOLE 0 1,805 0 0
Sysco Corp Com 871829107 598 7,530 SH   SOLE 0 7,530 0 0
Sysco Corp Com 871829107 578 7,274 SH   OTR 0 6,849 0 425
TJX Cos Inc Com 872540109 1,874 33,625 SH   SOLE 0 32,325 300 1,000
TJX Cos Inc Com 872540109 1,863 33,432 SH   OTR 0 32,406 340 686
Target Corp Com 87612E106 2,599 24,307 SH   SOLE 0 24,032 0 275
Target Corp Com 87612E106 1,507 14,097 SH   OTR 0 13,007 175 915
Textron Inc Com 883203101 783 16,000 SH   SOLE 0 16,000 0 0
3m CO Com 88579Y101 1,768 10,757 SH   SOLE 0 9,797 340 620
3m CO Com 88579Y101 277 1,685 SH   OTR 0 1,350 35 300
US Bancorp New Com 902973304 1,073 19,387 SH   SOLE 0 19,387 0 0
US Bancorp New Com 902973304 338 6,115 SH   OTR 0 5,429 470 216
Union Pac Corp Com 907818108 3,370 20,808 SH   SOLE 0 20,108 0 700
Union Pac Corp Com 907818108 3,159 19,505 SH   OTR 0 17,098 0 2,407
United Parcel Service Cl B Com 911312106 550 4,591 SH   SOLE 0 4,591 0 0
United Parcel Service Cl B Com 911312106 254 2,119 SH   OTR 0 2,119 0 0
United Technologies Corp Com 913017109 5,095 37,324 SH   SOLE 0 36,594 100 630
United Technologies Corp Com 913017109 3,632 26,602 SH   OTR 0 24,561 1,186 855
Unitedhealth Group Inc Com 91324P102 2,099 9,659 SH   SOLE 0 9,459 0 200
Unitedhealth Group Inc Com 91324P102 961 4,422 SH   OTR 0 4,292 130 0
Univest Corp of Pennsylvania Com 915271100 301 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 929 14,101 SH   SOLE 0 13,451 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 755 11,468 SH   OTR 0 11,243 125 100
Vanguard Intermediate-Term Bon Com 921937819 352 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 33 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 411 4,866 SH   SOLE 0 4,866 0 0
Vanguard High Dividend Yield E Com 921946406 109 1,225 SH   SOLE 0 1,225 0 0
Vanguard High Dividend Yield E Com 921946406 97 1,092 SH   OTR 0 1,092 0 0
Vanguard Ftse Emerging Markets Com 922042858 760 18,888 SH   SOLE 0 18,888 0 0
Vanguard Ftse Emerging Markets Com 922042858 464 11,518 SH   OTR 0 11,018 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,123 12,306 SH   SOLE 0 12,306 0 0
Vanguard Inter Term Corp Bond Com 92206C870 725 7,950 SH   OTR 0 7,950 0 0
Vanguard S&P 500 ETF Com 922908363 10,307 37,810 SH   SOLE 0 37,623 0 187
Verizon Communications Com 92343V104 3,674 60,862 SH   SOLE 0 59,075 860 927
Verizon Communications Com 92343V104 2,866 47,479 SH   OTR 0 44,593 460 2,426
Visa Inc Cl A Com 92826C839 1,250 7,269 SH   SOLE 0 7,269 0 0
Visa Inc Cl A Com 92826C839 802 4,660 SH   OTR 0 4,560 100 0
Wal Mart Inc Com 931142103 1,733 14,606 SH   SOLE 0 14,206 0 400
Wal Mart Inc Com 931142103 1,368 11,529 SH   OTR 0 10,113 350 1,066
Walgreens Boots Alliance Inc Com 931427108 282 5,092 SH   SOLE 0 5,092 0 0
Walgreens Boots Alliance Inc Com 931427108 86 1,549 SH   OTR 0 745 0 804
Wells Fargo & CO Com 949746101 2,188 43,377 SH   SOLE 0 42,977 0 400
Wells Fargo & CO Com 949746101 1,045 20,723 SH   OTR 0 17,493 930 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 2,687 73,989 SH   SOLE 0 73,066 0 923
WisdomTree MidCap Dividend ETF Com 97717W505 690 19,005 SH   OTR 0 13,875 0 5,130
WisdomTree SmallCap Dividend E Com 97717W604 1,242 45,369 SH   SOLE 0 45,182 0 187
WisdomTree SmallCap Dividend E Com 97717W604 341 12,445 SH   OTR 0 11,410 0 1,035
Xcel Energy Inc Com 98389B100 200 3,086 SH   SOLE 0 3,086 0 0
Xcel Energy Inc Com 98389B100 50 775 SH   OTR 0 775 0 0
Xylem Inc Com 98419M100 367 4,613 SH   SOLE 0 4,613 0 0
Xylem Inc Com 98419M100 251 3,150 SH   OTR 0 3,150 0 0
Yum! Brands Inc Com 988498101 546 4,814 SH   SOLE 0 4,814 0 0
Yum! Brands Inc Com 988498101 115 1,014 SH   OTR 0 1,014 0 0
Zimmer Biomet Holdings Inc Com 98956P102 399 2,906 SH   SOLE 0 2,576 60 270
Zimmer Biomet Holdings Inc Com 98956P102 215 1,565 SH   OTR 0 1,462 23 80
Eaton Corp PLC Com G29183103 359 4,319 SH   SOLE 0 4,319 0 0
Eaton Corp PLC Com G29183103 512 6,159 SH   OTR 0 5,084 0 1,075
Linde PLC Com G5494J103 1,464 7,558 SH   SOLE 0 7,558 0 0
Linde PLC Com G5494J103 968 4,999 SH   OTR 0 3,874 0 1,125
Medtronic PLC Com G5960L103 1,122 10,328 SH   SOLE 0 10,328 0 0
Medtronic PLC Com G5960L103 988 9,093 SH   OTR 0 9,022 71 0
Alcon Inc ORD Shs Com H01301128 105 1,793 SH   SOLE 0 1,793 0 0
Alcon Inc ORD Shs Com H01301128 107 1,839 SH   OTR 0 1,839 0 0