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 1,584 58,641 SH   SOLE 0 56,305 175 2,161
AT&T Inc Com 00206R102 1,174 43,463 SH   OTR 0 38,151 400 4,912
Abbott Labs Com 002824100 6,024 50,994 SH   SOLE 0 50,394 0 600
Abbott Labs Com 002824100 2,401 20,322 SH   OTR 0 18,686 616 1,020
Abbvie Inc Com 00287Y109 2,395 22,204 SH   SOLE 0 21,904 0 300
Abbvie Inc Com 00287Y109 1,889 17,512 SH   OTR 0 14,192 290 3,030
Activision Blizzard, Inc Com 00507V109 741 9,573 SH   SOLE 0 9,573 0 0
Activision Blizzard, Inc Com 00507V109 525 6,785 SH   OTR 0 6,785 0 0
Adobe Inc Com 00724F101 183 318 SH   SOLE 0 318 0 0
Adobe Inc Com 00724F101 18 32 SH   OTR 0 0 0 32
Air Products & Chemicals Inc Com 009158106 1,475 5,760 SH   SOLE 0 5,760 0 0
Air Products & Chemicals Inc Com 009158106 447 1,745 SH   OTR 0 1,745 0 0
Allstate Corp Com 020002101 32 250 SH   SOLE 0 250 0 0
Allstate Corp Com 020002101 306 2,400 SH   OTR 0 2,400 0 0
Alphabet Inc Cl C Com 02079K107 5,864 2,200 SH   SOLE 0 2,091 0 109
Alphabet Inc Cl C Com 02079K107 5,720 2,146 SH   OTR 0 2,016 0 130
Alphabet Inc Cl A Com 02079K305 4,473 1,673 SH   SOLE 0 1,634 0 39
Alphabet Inc Cl A Com 02079K305 762 285 SH   OTR 0 170 0 115
Altria Group Inc Com 02209S103 593 13,034 SH   SOLE 0 12,259 0 775
Altria Group Inc Com 02209S103 1,471 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 2,073 631 SH   SOLE 0 631 0 0
Amazon.Com Inc Com 023135106 1,061 323 SH   OTR 0 253 0 70
American Express CO Com 025816109 739 4,411 SH   SOLE 0 4,411 0 0
American Express CO Com 025816109 252 1,506 SH   OTR 0 1,220 0 286
American Tower Corp REIT Com 03027X100 137 518 SH   SOLE 0 518 0 0
American Tower Corp REIT Com 03027X100 190 715 SH   OTR 0 715 0 0
American Water Works CO Inc Com 030420103 1,652 9,775 SH   SOLE 0 9,775 0 0
American Water Works CO Inc Com 030420103 1,287 7,615 SH   OTR 0 6,085 100 1,430
Amgen Inc Com 031162100 571 2,683 SH   SOLE 0 2,683 0 0
Amgen Inc Com 031162100 353 1,660 SH   OTR 0 1,660 0 0
Amplify CWP Enhanced Dividend Com 032108409 268 7,670 SH   SOLE 0 7,670 0 0
Amplify CWP Enhanced Dividend Com 032108409 115 3,300 SH   OTR 0 3,300 0 0
APA Corporation Com 03743Q108 295 13,756 SH   SOLE 0 13,756 0 0
APA Corporation Com 03743Q108 67 3,135 SH   OTR 0 3,035 100 0
Apple Inc Com 037833100 21,175 149,646 SH   SOLE 0 135,549 360 13,737
Apple Inc Com 037833100 12,365 87,387 SH   OTR 0 75,197 2,560 9,630
Arrow Finl Corp Com 042744102 277 8,053 SH   SOLE 0 1,848 0 6,205
Arrow Finl Corp Com 042744102 177 5,150 SH   OTR 0 5,150 0 0
Autoliv Inc Com 052800109 838 9,780 SH   SOLE 0 8,736 0 1,044
Autoliv Inc Com 052800109 921 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,158 20,797 SH   SOLE 0 20,517 0 280
Automatic Data Processing Inc Com 053015103 1,183 5,916 SH   OTR 0 5,296 140 480
BP PLC Spons ADR Com 055622104 79 2,895 SH   SOLE 0 2,895 0 0
BP PLC Spons ADR Com 055622104 178 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 942 22,191 SH   SOLE 0 21,543 0 648
Bank of America Corp Com 060505104 264 6,220 SH   OTR 0 6,220 0 0
Bank of New York Mellon Corp Com 064058100 561 10,816 SH   SOLE 0 10,816 0 0
Bank of New York Mellon Corp Com 064058100 43 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 577 7,170 SH   SOLE 0 7,170 0 0
Baxter Intl Inc Com 071813109 218 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 309 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 260 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,723 9,977 SH   SOLE 0 9,747 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,506 9,181 SH   OTR 0 9,163 18 0
Best Buy Company Inc Com 086516101 433 4,092 SH   SOLE 0 4,092 0 0
Best Buy Company Inc Com 086516101 42 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 183 3,414 SH   SOLE 0 3,214 0 200
BHP Group Ltd Spons ADR Com 088606108 52 975 SH   OTR 0 925 0 50
Biogen Inc Com 09062X103 64 225 SH   SOLE 0 225 0 0
Biogen Inc Com 09062X103 192 680 SH   OTR 0 680 0 0
Blackrock Inc Cl A Com 09247X101 34 41 SH   SOLE 0 41 0 0
Blackrock Inc Cl A Com 09247X101 403 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 1,654 7,521 SH   SOLE 0 7,286 0 235
Boeing CO Com 097023105 2,043 9,290 SH   OTR 0 8,990 150 150
Bristol Myers Squibb CO Com 110122108 3,618 61,146 SH   SOLE 0 58,331 695 2,120
Bristol Myers Squibb CO Com 110122108 2,206 37,275 SH   OTR 0 31,235 350 5,690
Csx Corp Com 126408103 270 9,093 SH   SOLE 0 9,093 0 0
Csx Corp Com 126408103 193 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,078 36,269 SH   SOLE 0 35,082 0 1,187
CVS Health Corp Com 126650100 1,823 21,484 SH   OTR 0 17,969 340 3,175
Capital One Financial Corp Com 14040H105 225 1,390 SH   SOLE 0 1,390 0 0
Carrier Global Corporation Com 14448C104 1,220 23,573 SH   SOLE 0 22,779 100 694
Carrier Global Corporation Com 14448C104 874 16,892 SH   OTR 0 13,986 1,106 1,800
Caterpillar Inc Com 149123101 2,476 12,899 SH   SOLE 0 12,011 0 888
Caterpillar Inc Com 149123101 1,966 10,242 SH   OTR 0 9,905 37 300
Chevron Corporation Com 166764100 4,264 42,027 SH   SOLE 0 39,682 350 1,995
Chevron Corporation Com 166764100 2,964 29,219 SH   OTR 0 27,564 375 1,280
Cisco Systems Inc Com 17275R102 3,971 72,955 SH   SOLE 0 67,987 0 4,968
Cisco Systems Inc Com 17275R102 2,679 49,224 SH   OTR 0 47,599 595 1,030
Citigroup Inc Com 172967424 769 10,954 SH   SOLE 0 10,954 0 0
Citigroup Inc Com 172967424 389 5,550 SH   OTR 0 5,400 150 0
Clorox Company Com 189054109 883 5,333 SH   SOLE 0 5,333 0 0
Clorox Company Com 189054109 461 2,785 SH   OTR 0 2,300 0 485
Coca Cola CO Com 191216100 2,360 44,983 SH   SOLE 0 39,089 910 4,984
Coca Cola CO Com 191216100 959 18,270 SH   OTR 0 13,140 150 4,980
Colgate Palmolive CO Com 194162103 1,077 14,246 SH   SOLE 0 12,136 410 1,700
Colgate Palmolive CO Com 194162103 568 7,510 SH   OTR 0 4,060 0 3,450
ComCast Corp-Cl A Com 20030N101 1,243 22,226 SH   SOLE 0 19,952 0 2,274
ComCast Corp-Cl A Com 20030N101 611 10,919 SH   OTR 0 8,746 650 1,523
Conocophillips Com 20825C104 586 8,646 SH   SOLE 0 8,546 100 0
Conocophillips Com 20825C104 107 1,572 SH   OTR 0 1,322 100 150
Corning Inc Com 219350105 536 14,676 SH   SOLE 0 14,676 0 0
Corning Inc Com 219350105 411 11,250 SH   OTR 0 8,500 900 1,850
Corteva Inc Com Com 22052L104 88 2,092 SH   SOLE 0 2,001 0 91
Corteva Inc Com Com 22052L104 332 7,895 SH   OTR 0 7,667 0 228
Costco Wholesale Corp Com 22160K105 774 1,722 SH   SOLE 0 1,722 0 0
Costco Wholesale Corp Com 22160K105 537 1,194 SH   OTR 0 704 0 490
DTE Energy Co Com 233331107 336 3,009 SH   SOLE 0 3,009 0 0
Danaher Corp Com 235851102 5,869 19,279 SH   SOLE 0 17,319 0 1,960
Danaher Corp Com 235851102 3,332 10,945 SH   OTR 0 9,753 135 1,057
Deere & CO Com 244199105 2,594 7,742 SH   SOLE 0 7,054 25 663
Deere & CO Com 244199105 3,628 10,829 SH   OTR 0 10,759 70 0
Dicks Sporting Goods Inc Com 253393102 572 4,779 SH   SOLE 0 3,731 0 1,048
Dicks Sporting Goods Inc Com 253393102 54 453 SH   OTR 0 453 0 0
Digital Realty Trust Inc REIT Com 253868103 257 1,777 SH   SOLE 0 1,777 0 0
Disney Walt CO New Com 254687106 5,726 33,845 SH   SOLE 0 32,512 0 1,333
Disney Walt CO New Com 254687106 3,584 21,186 SH   OTR 0 19,851 565 770
Dominion Resources Inc Com 25746U109 1,106 15,143 SH   SOLE 0 14,833 0 310
Dominion Resources Inc Com 25746U109 720 9,860 SH   OTR 0 7,340 80 2,440
Dover Corp Com 260003108 173 1,111 SH   SOLE 0 711 0 400
Dover Corp Com 260003108 31 200 SH   OTR 0 200 0 0
Dow Inc Com Com 260557103 861 14,960 SH   SOLE 0 14,869 0 91
Dow Inc Com Com 260557103 787 13,673 SH   OTR 0 11,899 16 1,758
Duke Energy Corp Com 26441C204 345 3,535 SH   SOLE 0 3,250 285 0
Duke Energy Corp Com 26441C204 134 1,375 SH   OTR 0 1,275 100 0
Dupont De Nemours Inc Com 26614N102 1,032 15,185 SH   SOLE 0 15,094 0 91
Dupont De Nemours Inc Com 26614N102 960 14,113 SH   OTR 0 12,827 316 970
Ecolab Inc Com 278865100 1,451 6,956 SH   SOLE 0 6,956 0 0
Ecolab Inc Com 278865100 643 3,080 SH   OTR 0 2,590 40 450
Emerson Elec CO Com 291011104 1,086 11,529 SH   SOLE 0 11,529 0 0
Emerson Elec CO Com 291011104 319 3,390 SH   OTR 0 3,190 200 0
Exelon Corp Com 30161N101 186 3,845 SH   SOLE 0 3,845 0 0
Exelon Corp Com 30161N101 128 2,640 SH   OTR 0 2,290 0 350
Exxonmobil Corp Com 30231G102 4,993 84,880 SH   SOLE 0 80,944 790 3,146
Exxonmobil Corp Com 30231G102 4,011 68,196 SH   OTR 0 64,616 635 2,945
Facebook Inc-A Com 30303M102 1,785 5,258 SH   SOLE 0 5,258 0 0
Facebook Inc-A Com 30303M102 1,408 4,149 SH   OTR 0 4,149 0 0
Fedex Corporation Com 31428X106 179 816 SH   SOLE 0 816 0 0
Fedex Corporation Com 31428X106 71 325 SH   OTR 0 325 0 0
Fiserv Inc Com 337738108 498 4,589 SH   SOLE 0 4,589 0 0
Fiserv Inc Com 337738108 95 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 40,534 1,107,492 SH   SOLE 0 1,102,571 0 4,921
FlexShares Mstar Glbl Upstrm N Com 33939L407 2,986 81,581 SH   OTR 0 78,629 340 2,612
FlexShares Global Quality Real Com 33939L787 735 11,130 SH   SOLE 0 11,130 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 7,712 138,257 SH   SOLE 0 138,257 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 959 17,185 SH   OTR 0 16,712 0 473
FlexShares International Quali Com 33939L837 774 30,720 SH   SOLE 0 30,720 0 0
FlexShares International Quali Com 33939L837 76 3,020 SH   OTR 0 3,020 0 0
Fortive Corp Com 34959J108 329 4,655 SH   SOLE 0 4,355 0 300
Fortive Corp Com 34959J108 146 2,069 SH   OTR 0 1,225 50 794
General Dynamics Corp Com 369550108 1,039 5,299 SH   SOLE 0 5,149 0 150
General Dynamics Corp Com 369550108 151 770 SH   OTR 0 670 0 100
General Electric Co New Com 369604301 483 4,689 SH   SOLE 0 4,335 0 354
General Electric Co New Com 369604301 262 2,546 SH   OTR 0 2,537 0 9
General Mls Inc Com 370334104 668 11,170 SH   SOLE 0 10,672 0 498
General Mls Inc Com 370334104 449 7,505 SH   OTR 0 6,710 100 695
Genuine Parts CO Com 372460105 235 1,935 SH   SOLE 0 1,935 0 0
Gilead Sciences Inc Com 375558103 403 5,770 SH   SOLE 0 5,770 0 0
Gilead Sciences Inc Com 375558103 313 4,480 SH   OTR 0 1,980 0 2,500
Glaxo Smithkline Spons ADR Com 37733W105 292 7,651 SH   SOLE 0 7,501 0 150
Glaxo Smithkline Spons ADR Com 37733W105 91 2,387 SH   OTR 0 1,582 55 750
Goldman Sachs Group Inc Com 38141G104 1,409 3,728 SH   SOLE 0 3,708 20 0
Goldman Sachs Group Inc Com 38141G104 1,514 4,005 SH   OTR 0 4,005 0 0
Grainger W W Inc Com 384802104 1,304 3,318 SH   SOLE 0 3,318 0 0
Grainger W W Inc Com 384802104 784 1,995 SH   OTR 0 1,115 100 780
Home Depot Inc Com 437076102 1,337 4,074 SH   SOLE 0 3,654 0 420
Home Depot Inc Com 437076102 1,695 5,163 SH   OTR 0 4,063 150 950
Honeywell International Inc Com 438516106 3,791 17,858 SH   SOLE 0 16,943 0 915
Honeywell International Inc Com 438516106 1,605 7,559 SH   OTR 0 5,435 300 1,824
Illinois Tool Wks Inc Com 452308109 357 1,726 SH   SOLE 0 1,726 0 0
Illinois Tool Wks Inc Com 452308109 77 375 SH   OTR 0 375 0 0
Intel Corp Com 458140100 5,208 97,740 SH   SOLE 0 95,215 1,025 1,500
Intel Corp Com 458140100 1,795 33,691 SH   OTR 0 30,016 1,425 2,250
Intercontinental Exchange Inc Com 45866F104 772 6,720 SH   SOLE 0 6,720 0 0
Intercontinental Exchange Inc Com 45866F104 135 1,180 SH   OTR 0 1,015 0 165
Intl. Business Machines Corp Com 459200101 2,586 18,614 SH   SOLE 0 16,076 425 2,113
Intl. Business Machines Corp Com 459200101 2,327 16,751 SH   OTR 0 15,168 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 213 3,493 SH   SOLE 0 3,493 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 96 4,350 SH   SOLE 0 4,350 0 0
Invesco Tr II Senior Loan ETF Com 46138G508 252 11,375 SH   OTR 0 11,375 0 0
Ishares DJ Select Dividend ETF Com 464287168 206 1,800 SH   SOLE 0 1,800 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 375 2,936 SH   SOLE 0 2,936 0 0
Ishares Core S&P 500 ETF Com 464287200 272 632 SH   SOLE 0 632 0 0
Ishares Core Total U.S. Aggreg Com 464287226 345 3,005 SH   SOLE 0 3,005 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 4,128 81,933 SH   SOLE 0 79,567 525 1,841
Ishares Msci Emerging Mkt ETF Com 464287234 1,108 21,999 SH   OTR 0 20,949 200 850
Ishares Msci Eafe ETF Com 464287465 3,986 51,091 SH   SOLE 0 47,657 0 3,434
Ishares Msci Eafe ETF Com 464287465 1,275 16,339 SH   OTR 0 15,649 200 490
Ishares Core S&P Mid-Cap ETF Com 464287507 1,847 7,020 SH   SOLE 0 7,020 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 517 1,966 SH   OTR 0 1,766 0 200
Ishares Nasdaq Biotech ETF Com 464287556 3,726 23,048 SH   SOLE 0 22,156 96 796
Ishares Nasdaq Biotech ETF Com 464287556 2,331 14,420 SH   OTR 0 12,265 540 1,615
Ishares Tr Rus 1000 Val ETF Com 464287598 215 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 290 3,668 SH   SOLE 0 3,668 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 173 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 301 1,097 SH   SOLE 0 1,097 0 0
IShares Russell 1000 ETF Com 464287622 226 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630 313 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 ETF Com 464287655 6,325 28,915 SH   SOLE 0 27,260 0 1,655
Ishares Russell 2000 ETF Com 464287655 842 3,851 SH   OTR 0 3,716 100 35
Ishares DJ US Telcom Sector ET Com 464287713 973 29,971 SH   SOLE 0 29,971 0 0
Ishares DJ US Telcom Sector ET Com 464287713 641 19,740 SH   OTR 0 19,540 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 536 4,909 SH   SOLE 0 4,909 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 4,552 61,173 SH   SOLE 0 61,163 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 474 6,365 SH   OTR 0 6,365 0 0
Ishares New York Muni Bond ETF Com 464288323 1,011 17,467 SH   SOLE 0 17,467 0 0
Ishares IBoxx High Yield Corpo Com 464288513 1,997 22,830 SH   SOLE 0 22,830 0 0
Ishares IBoxx High Yield Corpo Com 464288513 4 50 SH   OTR 0 50 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 370 6,763 SH   SOLE 0 6,763 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,496 64,323 SH   SOLE 0 64,323 0 0
Ishares S&P Pref Stk ETF Com 464288687 400 10,304 SH   OTR 0 6,324 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 19,785 185,826 SH   SOLE 0 184,173 0 1,653
Ishares MSCI EAFE Growth ETF Com 464288885 1,393 13,079 SH   OTR 0 12,999 0 80
IShares Russell Top 200 Growth Com 464289438 264 1,730 SH   SOLE 0 1,730 0 0
Ishares Aaa-A Rated Corp Bond Com 46429B291 300 5,326 SH   SOLE 0 5,326 0 0
iShares Core High Dividend ETF Com 46429B663 869 9,216 SH   SOLE 0 9,216 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 317 3,000 SH   OTR 0 3,000 0 0
Ishares Core Msci Eafe ETF Com 46432F842 10,373 139,710 SH   SOLE 0 139,655 0 55
Ishares Core Msci Eafe ETF Com 46432F842 838 11,290 SH   OTR 0 11,290 0 0
Ishares Core Emerging Markets Com 46434G103 6,003 97,201 SH   SOLE 0 97,201 0 0
Ishares Core Emerging Markets Com 46434G103 1,118 18,097 SH   OTR 0 16,497 0 1,600
IShares Core Intnl Agg Bond ET Com 46435G672 339 6,160 SH   SOLE 0 6,160 0 0
JP Morgan Chase & CO Com 46625H100 10,010 61,153 SH   SOLE 0 59,248 112 1,793
JP Morgan Chase & CO Com 46625H100 7,348 44,890 SH   OTR 0 37,976 515 6,399
JPMorgan Ultra-Short Income ET Com 46641Q837 73 1,440 SH   SOLE 0 1,440 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 152 3,000 SH   OTR 0 0 0 3,000
Jacobs Engineering Group Inc Com 469814107 119 898 SH   SOLE 0 898 0 0
Jacobs Engineering Group Inc Com 469814107 394 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 9,641 59,697 SH   SOLE 0 54,102 150 5,445
Johnson & Johnson Com 478160104 4,836 29,947 SH   OTR 0 26,149 310 3,488
Kimberly Clark Corp Com 494368103 488 3,688 SH   SOLE 0 3,688 0 0
Kimberly Clark Corp Com 494368103 93 700 SH   OTR 0 700 0 0
Kraft Heinz CO Com 500754106 188 5,116 SH   SOLE 0 5,116 0 0
Kraft Heinz CO Com 500754106 261 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 418 1,810 SH   SOLE 0 1,282 0 528
Lilly Eli & CO Com 532457108 1,458 6,310 SH   OTR 0 5,285 0 1,025
Lockheed Martin Corp Com 539830109 2,735 7,924 SH   SOLE 0 7,358 0 566
Lockheed Martin Corp Com 539830109 792 2,295 SH   OTR 0 2,295 0 0
Lowes Cos Inc Com 548661107 8,650 42,640 SH   SOLE 0 42,110 25 505
Lowes Cos Inc Com 548661107 4,989 24,592 SH   OTR 0 23,467 325 800
Marsh & McLennan Companies Inc Com 571748102 190 1,253 SH   SOLE 0 1,253 0 0
Marsh & McLennan Companies Inc Com 571748102 80 525 SH   OTR 0 525 0 0
Marriott International Inc Com 571903202 303 2,047 SH   SOLE 0 2,047 0 0
Mastercard Inc Cl A Com 57636Q104 228 655 SH   SOLE 0 655 0 0
Mastercard Inc Cl A Com 57636Q104 167 480 SH   OTR 0 480 0 0
McDonalds Corp Com 580135101 7,415 30,754 SH   SOLE 0 30,524 75 155
McDonalds Corp Com 580135101 4,326 17,942 SH   OTR 0 17,099 238 605
Merck & CO Inc Com 58933Y105 3,094 41,190 SH   SOLE 0 39,740 650 800
Merck & CO Inc Com 58933Y105 1,597 21,267 SH   OTR 0 19,667 250 1,350
Metlife Inc Com 59156R108 381 6,177 SH   SOLE 0 6,177 0 0
Metlife Inc Com 59156R108 101 1,637 SH   OTR 0 1,226 111 300
Microsoft Corp Com 594918104 19,165 67,979 SH   SOLE 0 64,711 180 3,088
Microsoft Corp Com 594918104 10,262 36,400 SH   OTR 0 33,969 580 1,851
Microchip Technology Inc Com 595017104 2,678 17,445 SH   SOLE 0 17,445 0 0
Microchip Technology Inc Com 595017104 823 5,360 SH   OTR 0 4,435 150 775
Mondelez International Inc Com 609207105 498 8,564 SH   SOLE 0 8,150 0 414
Mondelez International Inc Com 609207105 1,083 18,617 SH   OTR 0 18,617 0 0
Morgan Stanley Com 617446448 302 3,103 SH   SOLE 0 3,103 0 0
Morgan Stanley Com 617446448 10 100 SH   OTR 0 100 0 0
NBT Bancorp Inc Com 628778102 5,537 153,301 SH   SOLE 0 58,074 0 95,227
NBT Bancorp Inc Com 628778102 692 19,167 SH   OTR 0 15,901 0 3,266
Netflix Inc Com 64110L106 450 737 SH   SOLE 0 737 0 0
Nextera Energy Inc Com 65339F101 2,441 31,085 SH   SOLE 0 29,285 0 1,800
Nextera Energy Inc Com 65339F101 1,971 25,108 SH   OTR 0 13,918 120 11,070
Nike Inc-Class B Com 654106103 2,627 18,091 SH   SOLE 0 18,091 0 0
Nike Inc-Class B Com 654106103 980 6,745 SH   OTR 0 6,745 0 0
Norfolk Southern Corp Com 655844108 1,135 4,744 SH   SOLE 0 4,744 0 0
Norfolk Southern Corp Com 655844108 1,590 6,646 SH   OTR 0 4,531 70 2,045
Novartis Ag Spons ADR Com 66987V109 1,130 13,814 SH   SOLE 0 13,664 0 150
Novartis Ag Spons ADR Com 66987V109 741 9,063 SH   OTR 0 8,963 100 0
Nucor Corp Com 670346105 932 9,462 SH   SOLE 0 9,462 0 0
Nucor Corp Com 670346105 396 4,025 SH   OTR 0 3,275 0 750
Nvidia Corp Com 67066G104 1,014 4,896 SH   SOLE 0 4,332 0 564
Nvidia Corp Com 67066G104 91 440 SH   OTR 0 440 0 0
O'Reilly Automotive Inc Com 67103H107 367 600 SH   SOLE 0 600 0 0
Oracle Corporation Com 68389X105 3,307 37,954 SH   SOLE 0 36,454 0 1,500
Oracle Corporation Com 68389X105 935 10,735 SH   OTR 0 8,035 0 2,700
Otis Worldwide Corp Com 68902V107 951 11,559 SH   SOLE 0 11,162 50 347
Otis Worldwide Corp Com 68902V107 594 7,215 SH   OTR 0 6,562 553 100
Palo Alto Networks Com 697435105 182 380 SH   SOLE 0 380 0 0
Palo Alto Networks Com 697435105 280 585 SH   OTR 0 585 0 0
Paypal Holdings Inc Com 70450Y103 422 1,622 SH   SOLE 0 1,382 0 240
Paypal Holdings Inc Com 70450Y103 739 2,840 SH   OTR 0 990 0 1,850
Pepsico Inc Com 713448108 6,550 43,549 SH   SOLE 0 42,876 100 573
Pepsico Inc Com 713448108 2,939 19,541 SH   OTR 0 18,386 345 810
Pfizer Inc Com 717081103 4,692 109,092 SH   SOLE 0 104,571 0 4,521
Pfizer Inc Com 717081103 2,662 61,900 SH   OTR 0 57,651 1,385 2,864
Philip Morris International Com 718172109 807 8,511 SH   SOLE 0 7,836 0 675
Philip Morris International Com 718172109 2,467 26,027 SH   OTR 0 26,027 0 0
T Rowe Price Group Inc Com 74144T108 4,620 23,489 SH   SOLE 0 23,439 50 0
T Rowe Price Group Inc Com 74144T108 2,813 14,301 SH   OTR 0 13,821 295 185
Procter & Gamble CO Com 742718109 8,834 63,188 SH   SOLE 0 58,240 425 4,523
Procter & Gamble CO Com 742718109 4,902 35,064 SH   OTR 0 30,669 380 4,015
Prudential Finl Inc Com 744320102 1,436 13,647 SH   SOLE 0 13,597 50 0
Prudential Finl Inc Com 744320102 1,338 12,717 SH   OTR 0 12,367 150 200
Public Service Enterprise Grou Com 744573106 120 1,972 SH   SOLE 0 1,972 0 0
Public Service Enterprise Grou Com 744573106 155 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,211 24,895 SH   SOLE 0 24,470 0 425
Qualcomm Inc Com 747525103 1,718 13,319 SH   OTR 0 12,594 225 500
Quanta Services Incorporated Com 74762E102 768 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,395 39,493 SH   SOLE 0 38,523 100 870
Raytheon Technologies Corp Com 75513E101 2,459 28,610 SH   OTR 0 24,619 1,186 2,805
Rockwell Automation Inc Com 773903109 156 530 SH   SOLE 0 530 0 0
Rockwell Automation Inc Com 773903109 74 250 SH   OTR 0 250 0 0
Royal Dutch Shell PLC Spons AD Com 780259107 248 5,600 SH   OTR 0 2,000 0 3,600
S&P Global Inc Com 78409V104 722 1,700 SH   OTR 0 0 0 1,700
SPDR S&P 500 ETF Trust Com 78462F103 5,296 12,342 SH   SOLE 0 11,691 0 651
SPDR S&P 500 ETF Trust Com 78462F103 787 1,835 SH   OTR 0 1,475 160 200
SPDR Gold Trust Com 78463V107 341 2,074 SH   SOLE 0 1,974 0 100
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 349 8,204 SH   SOLE 0 8,204 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,715 102,586 SH   SOLE 0 102,586 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,081 29,852 SH   OTR 0 29,852 0 0
SPDR Preferred Stock ETF Com 78464A292 290 6,675 SH   SOLE 0 6,675 0 0
SPDR Portfolio Intermediate Te Com 78464A375 716 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,234 32,968 SH   SOLE 0 32,468 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,461 21,562 SH   OTR 0 21,362 100 100
SPDR S&P Dividend ETF Com 78464A763 9,943 84,584 SH   SOLE 0 84,584 0 0
SPDR S&P Dividend ETF Com 78464A763 923 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 163 3,077 SH   SOLE 0 3,077 0 0
SPDR S&P Bank ETF Com 78464A797 44 830 SH   OTR 0 730 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,204 3,560 SH   SOLE 0 3,560 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 237 700 SH   OTR 0 600 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 7,842 16,307 SH   SOLE 0 15,240 0 1,067
Midcap SPDR Trust Series 1 Com 78467Y107 1,028 2,138 SH   OTR 0 2,036 50 52
Salesforce.Com Com 79466L302 2,432 8,968 SH   SOLE 0 8,808 20 140
Salesforce.Com Com 79466L302 1,654 6,100 SH   OTR 0 6,100 0 0
Schlumberger Ltd Com 806857108 797 26,875 SH   SOLE 0 26,060 0 815
Schlumberger Ltd Com 806857108 452 15,240 SH   OTR 0 15,080 160 0
Charles Schwab Corp Com 808513105 213 2,931 SH   SOLE 0 2,931 0 0
Charles Schwab Corp Com 808513105 260 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 1,520 15,180 SH   SOLE 0 15,180 0 0
Schwab US Small Cap ETF Com 808524607 98 975 SH   OTR 0 975 0 0
Schwab Fundamental Intl Lg Co Com 808524755 263 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 6,976 93,963 SH   SOLE 0 92,079 0 1,884
Schwab US Dividend Equity ETF Com 808524797 1,197 16,130 SH   OTR 0 16,130 0 0
Schwab International Equity ET Com 808524805 2,997 77,430 SH   SOLE 0 77,430 0 0
Schwab International Equity ET Com 808524805 505 13,044 SH   OTR 0 12,379 0 665
Schwab US Aggregate Bd ETF Com 808524839 1,091 20,106 SH   SOLE 0 20,106 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,549 28,539 SH   OTR 0 28,074 0 465
Materials Select SPDR Fund Com 81369Y100 1,568 19,815 SH   SOLE 0 17,769 0 2,046
Materials Select SPDR Fund Com 81369Y100 781 9,876 SH   OTR 0 9,056 375 445
Health Care Select Sector SPDR Com 81369Y209 1,186 9,319 SH   SOLE 0 8,557 0 762
Health Care Select Sector SPDR Com 81369Y209 19 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 678 9,845 SH   SOLE 0 8,103 0 1,742
Consumer Staples Select Sector Com 81369Y308 28 410 SH   OTR 0 130 100 180
Consumer Discretionary Selt Com 81369Y407 1,676 9,338 SH   SOLE 0 7,508 0 1,830
Consumer Discretionary Selt Com 81369Y407 205 1,145 SH   OTR 0 770 250 125
Energy Select Sector SPDR Com 81369Y506 453 8,699 SH   SOLE 0 8,119 0 580
Energy Select Sector SPDR Com 81369Y506 93 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 1,085 28,905 SH   SOLE 0 26,216 0 2,689
Financial Select Sector SPDR Com 81369Y605 90 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 1,151 11,760 SH   SOLE 0 11,385 0 375
Industrial Select Sector SPDR Com 81369Y704 66 670 SH   OTR 0 580 0 90
Technology Select Sect SPDR Com 81369Y803 2,611 17,488 SH   SOLE 0 17,227 162 99
Technology Select Sect SPDR Com 81369Y803 241 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 1,023 23,021 SH   SOLE 0 20,903 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,559 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 2,002 31,344 SH   SOLE 0 27,181 0 4,163
Utilities Select Sector SPDR Com 81369Y886 1,035 16,201 SH   OTR 0 15,224 475 502
Simon Ppty Group Inc Com 828806109 13 100 SH   SOLE 0 100 0 0
Simon Ppty Group Inc Com 828806109 234 1,800 SH   OTR 0 1,800 0 0
Skyworks Solutions Inc Com 83088M102 297 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,097 17,698 SH   SOLE 0 17,698 0 0
Southern Company Com 842587107 665 10,730 SH   OTR 0 10,605 0 125
Starbucks Corp Com 855244109 156 1,416 SH   SOLE 0 1,416 0 0
Starbucks Corp Com 855244109 547 4,960 SH   OTR 0 4,960 0 0
State Street Corp Com 857477103 238 2,812 SH   SOLE 0 2,812 0 0
State Street Corp Com 857477103 49 575 SH   OTR 0 575 0 0
Stericycle Inc Com 858912108 199 2,930 SH   SOLE 0 2,930 0 0
Stericycle Inc Com 858912108 112 1,650 SH   OTR 0 800 0 850
Stryker Corporation Com 863667101 273 1,037 SH   SOLE 0 1,037 0 0
Sysco Corp Com 871829107 410 5,222 SH   SOLE 0 5,222 0 0
Sysco Corp Com 871829107 502 6,399 SH   OTR 0 5,974 0 425
TJX Cos Inc Com 872540109 2,405 36,444 SH   SOLE 0 34,844 300 1,300
TJX Cos Inc Com 872540109 2,477 37,545 SH   OTR 0 33,001 340 4,204
Target Corp Com 87612E106 3,893 17,019 SH   SOLE 0 16,744 0 275
Target Corp Com 87612E106 3,173 13,872 SH   OTR 0 11,022 125 2,725
Texas Instruments Inc Com 882508104 155 807 SH   SOLE 0 807 0 0
Texas Instruments Inc Com 882508104 56 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 15 26 SH   SOLE 0 26 0 0
Thermo Fisher Scientific Inc Com 883556102 657 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 1,991 11,351 SH   SOLE 0 10,273 330 748
3m CO Com 88579Y101 448 2,555 SH   OTR 0 1,950 235 370
Truist Financial Corporation Com 89832Q109 405 6,904 SH   SOLE 0 6,495 0 409
Truist Financial Corporation Com 89832Q109 179 3,060 SH   OTR 0 3,060 0 0
US Bancorp New Com 902973304 1,053 17,709 SH   SOLE 0 17,709 0 0
US Bancorp New Com 902973304 482 8,115 SH   OTR 0 4,929 470 2,716
Union Pac Corp Com 907818108 3,819 19,483 SH   SOLE 0 18,575 0 908
Union Pac Corp Com 907818108 3,294 16,803 SH   OTR 0 15,223 0 1,580
United Parcel Service Cl B Com 911312106 731 4,015 SH   SOLE 0 4,015 0 0
United Parcel Service Cl B Com 911312106 358 1,964 SH   OTR 0 1,964 0 0
Unitedhealth Group Inc Com 91324P102 3,055 7,818 SH   SOLE 0 7,618 0 200
Unitedhealth Group Inc Com 91324P102 2,003 5,127 SH   OTR 0 4,142 90 895
Univest Corp of Pennsylvania Com 915271100 324 11,812 SH   OTR 0 11,812 0 0
Vaneck ETF Trust Agribusiness Com 92189F700 1,146 12,564 SH   SOLE 0 11,719 50 795
Vaneck ETF Trust Agribusiness Com 92189F700 1,029 11,273 SH   OTR 0 11,048 125 100
Vanguard Dividend Appreciation Com 921908844 127 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 154 1,000 SH   OTR 0 1,000 0 0
Vanguard Total Intl Stock Et Com 921909768 59 925 SH   SOLE 0 925 0 0
Vanguard Total Intl Stock Et Com 921909768 326 5,150 SH   OTR 0 5,150 0 0
Vanguard Intermediate-Term Bon Com 921937819 494 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 132 1,475 SH   OTR 0 1,475 0 0
Vanguard FTSE Developed Market Com 921943858 139 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 175 3,475 SH   OTR 0 3,475 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,698 33,951 SH   SOLE 0 33,951 0 0
Vanguard Ftse Emerging Markets Com 922042858 467 9,340 SH   OTR 0 8,840 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,129 11,956 SH   SOLE 0 11,956 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,560 16,523 SH   OTR 0 16,523 0 0
Vanguard S&P 500 ETF Com 922908363 10,081 25,560 SH   SOLE 0 25,373 0 187
Vanguard Mid-Cap Value Index F Com 922908512 430 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 1,174 11,536 SH   SOLE 0 11,536 0 0
Vanguard Real Estate ETF Com 922908553 542 5,329 SH   OTR 0 4,990 239 100
Vanguard Index Fund Mid-Cap Com 922908629 150 634 SH   SOLE 0 634 0 0
Vanguard Index Fund Mid-Cap Com 922908629 97 410 SH   OTR 0 410 0 0
Vanguard Large-Cap ETF Com 922908637 202 1,005 SH   OTR 0 1,005 0 0
Veoneer Incorporated Com Com 92336X109 324 9,521 SH   SOLE 0 9,521 0 0
Veoneer Incorporated Com Com 92336X109 422 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,251 60,196 SH   SOLE 0 55,961 830 3,405
Verizon Communications Com 92343V104 2,084 38,588 SH   OTR 0 32,717 225 5,646
Visa Inc Cl A Com 92826C839 1,934 8,683 SH   SOLE 0 8,683 0 0
Visa Inc Cl A Com 92826C839 1,839 8,255 SH   OTR 0 7,055 100 1,100
Wal Mart Inc Com 931142103 2,201 15,794 SH   SOLE 0 15,394 0 400
Wal Mart Inc Com 931142103 1,840 13,199 SH   OTR 0 11,583 350 1,266
Walgreens Boots Alliance Inc Com 931427108 265 5,628 SH   SOLE 0 5,628 0 0
Walgreens Boots Alliance Inc Com 931427108 90 1,920 SH   OTR 0 1,320 0 600
Waste Management Inc Com 94106L109 86 575 SH   SOLE 0 575 0 0
Waste Management Inc Com 94106L109 221 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,416 30,504 SH   SOLE 0 29,555 0 949
Wells Fargo & CO Com 949746101 610 13,150 SH   OTR 0 10,210 755 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 1,944 46,897 SH   SOLE 0 46,134 0 763
WisdomTree MidCap Dividend ETF Com 97717W505 246 5,928 SH   OTR 0 2,918 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 542 17,589 SH   SOLE 0 17,461 0 128
WisdomTree SmallCap Dividend E Com 97717W604 25 802 SH   OTR 0 802 0 0
Xylem Inc Com 98419M100 416 3,364 SH   SOLE 0 3,364 0 0
Xylem Inc Com 98419M100 254 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 432 3,529 SH   SOLE 0 3,529 0 0
Yum! Brands Inc Com 988498101 100 814 SH   OTR 0 814 0 0
Zimmer Biomet Holdings Inc Com 98956P102 450 3,072 SH   SOLE 0 2,742 60 270
Zimmer Biomet Holdings Inc Com 98956P102 402 2,747 SH   OTR 0 2,392 100 255
Deutsche Bank Ag ADR Com D18190898 127 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 84 263 SH   SOLE 0 263 0 0
Accenture PLC Cl A Com G1151C101 416 1,300 SH   OTR 0 0 0 1,300
Eaton Corp PLC Com G29183103 610 4,086 SH   SOLE 0 4,086 0 0
Eaton Corp PLC Com G29183103 776 5,194 SH   OTR 0 4,119 0 1,075
Linde PLC Com G5494J103 1,859 6,335 SH   SOLE 0 6,335 0 0
Linde PLC Com G5494J103 1,012 3,449 SH   OTR 0 2,524 0 925
Medtronic PLC Com G5960L103 1,237 9,872 SH   SOLE 0 9,872 0 0
Medtronic PLC Com G5960L103 1,120 8,937 SH   OTR 0 8,591 71 275