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
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 397 3,765 SH   SOLE   3,765 0 0
WEATHERFORD INTERNATIONAL OLC ENERGY G48833100 18 2,624 SH   SOLE   2,624 0 0
MICHAEL KORS HOLDINGS LIMITED CONSUMER DISCRETIONARY G60754101 1 36 SH   SOLE   36 0 0
ROWAN COMPANIES - PLC INDUSTRIALS G7665A101 1 75 SH   SOLE   75 0 0
CHUBB LTD FINANCIALS H1467J104 25 220 SH   SOLE   220 0 0
CHECK POINT SOFTWARE TECHONOLOGIES LTD INFORMATION TECHNOLOGY M22465104 5 60 SH   DFND   60 0 0
STRATASYS LTD TELECOM. SERVICES M85548101 0 15 SH   SOLE   15 0 0
AFLAC INC. FINANCIALS 001055102 55 945 SH   SOLE   945 0 0
AFLAC INC. FINANCIALS 001055102 29 500 SH   DFND   300 200 0
AT&T INC. TELECOM. SERVICES 00206R102 2,016 55,915 SH   SOLE   55,855 0 60
AT&T INC. TELECOM. SERVICES 00206R102 373 10,344 SH   DFND   5,011 5,333 0
ABBOTT LABS HEALTHCARE 002824100 203 5,367 SH   SOLE   5,367 0 0
ABBOTT LABS HEALTHCARE 002824100 111 2,945 SH   DFND   1,370 1,575 0
ABBVIE INC. HEALTHCARE 00287Y109 386 7,037 SH   SOLE   7,037 0 0
ABBVIE INC. HEALTHCARE 00287Y109 160 2,915 SH   DFND   1,340 1,575 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 65 1,875 SH   SOLE   1,875 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 13 150 SH   SOLE   150 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 0 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 260 2,555 SH   SOLE   2,555 0 0
AGILENT TECHNOLOGIES INC INFORMATION TECHNOLOGY 00846U101 4 110 SH   DFND   110 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 12 165 SH   SOLE   165 0 0
ALCOA INC MATERIALS 013817101 33 4,506 SH   SOLE   4,506 0 0
ALEXION PHARMACEUTICALS INC HEALTHCARE 015351109 11 75 SH   SOLE   75 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 18 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 166 2,723 SH   SOLE   2,723 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 1,163 1,982 SH   SOLE   1,982 0 0
AMERICAN EXPRESS FINANCIALS 025816109 266 4,971 SH   SOLE   4,934 0 37
AMERICAN EXPRESS FINANCIALS 025816109 21 385 SH   DFND   285 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 6 110 SH   SOLE   110 0 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 6 110 SH   DFND   110 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 306 3,248 SH   SOLE   3,248 0 0
AMERISOURCEBERGEN CORP HEALTHCARE 03073E105 4 40 SH   DFND   40 0 0
AMERIPRISE FINANCIAL INC. FINANCIALS 03076C106 4 40 SH   DFND   40 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 216 1,415 SH   SOLE   1,415 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 7 180 SH   SOLE   180 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 13 100 SH   SOLE   100 0 0
APACHE CORP ENERGY 037411105 3 65 SH   SOLE   65 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 2,274 23,367 SH   SOLE   23,367 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 113 1,160 SH   DFND   760 400 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 65 3,700 SH   SOLE   3,700 0 0
AQUA AMERICA INC UTILITIES 03836W103 725 22,995 SH   SOLE   22,995 0 0
AQUA AMERICA INC UTILITIES 03836W103 28 875 SH   DFND   0 875 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102 2 48 SH   SOLE   48 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 65 2,356 SH   SOLE   2,356 0 0
ASHLAND INC. INDUSTRIALS 044209104 6 60 SH   SOLE   60 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 60 425 SH   SOLE   425 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 851 10,238 SH   SOLE   10,238 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 229 2,760 SH   DFND   1,460 1,300 0
BP P.L.C. ENERGY 055622104 48 1,495 SH   SOLE   1,495 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 3 100 SH   SOLE   100 0 0
BAKER HUGHES INC ENERGY 057224107 15 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 8 118 SH   SOLE   118 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 78 5,511 SH   SOLE   5,452 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 10 678 SH   DFND   0 678 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 48 1,325 SH   SOLE   1,325 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 10 1,925 SH   SOLE   1,925 0 0
BARRICK GOLD CORP MATERIALS 067901108 8 795 SH   SOLE   795 0 0
BARRICK GOLD CORP MATERIALS 067901108 7 685 SH   DFND   0 685 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 33 900 SH   DFND   900 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 345 2,370 SH   SOLE   2,355 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 111 765 SH   DFND   530 235 0
BED BATH & BEYOND CONSUMER DISCRETIONARY 075896100 11 250 SH   SOLE   250 0 0
BERKSHIRE HATHAWAY INC CLASS A FINANCIALS 084670108 194 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 781 6,018 SH   SOLE   6,018 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 11 85 SH   DFND   0 85 0
BIOGEN INC HEALTHCARE 09062X103 27 100 SH   SOLE   100 0 0
BLACKROCK INC FINANCIALS 09247X101 116 370 SH   SOLE   370 0 0
BLACKROCK INC FINANCIALS 09247X101 9 30 SH   DFND   30 0 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 139 5,300 SH   SOLE   5,300 0 0
BOEING INDUSTRIALS 097023105 425 3,536 SH   SOLE   3,511 0 25
BOEING INDUSTRIALS 097023105 129 1,070 SH   DFND   570 500 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,595 25,657 SH   SOLE   25,657 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 453 7,290 SH   DFND   4,000 3,290 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 74 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 7 100 SH   SOLE   100 0 0
CF INDUSTRIES HOLDINGS INC INDUSTRIALS 125269100 3 95 SH   SOLE   95 0 0
CIT GROUP INC. FINANCIALS 125581801 4 120 SH   DFND   120 0 0
CME GROUP INC. FINANCIALS 12572Q105 7 80 SH   DFND   80 0 0
CSX CORPORATION INDUSTRIALS 126408103 143 6,195 SH   SOLE   6,195 0 0
CSX CORPORATION INDUSTRIALS 126408103 48 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,304 13,497 SH   SOLE   13,497 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 13 130 SH   DFND   80 50 0
CAMERON INTERNATIONAL CORP ENERGY 13342B105 4 60 SH   DFND   60 0 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 122 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 36 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 29 438 SH   SOLE   438 0 0
CARDINAL HEALTH INC HEALTHCARE 14149Y108 11 135 SH   SOLE   135 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 4 35 SH   SOLE   35 0 0
CATERPILLAR INC INDUSTRIALS 149123101 771 12,392 SH   SOLE   12,367 0 25
CATERPILLAR INC INDUSTRIALS 149123101 169 2,715 SH   DFND   1,985 730 0
CELGENE CORP HEALTHCARE 151020104 706 7,038 SH   SOLE   7,038 0 0
CELGENE CORP HEALTHCARE 151020104 7 65 SH   DFND   0 65 0
CENOVUS ENERGY INC. ENERGY 15135U109 9 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 25 1,400 SH   SOLE   1,400 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 125 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 9 361 SH   SOLE   361 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 3 130 SH   DFND   130 0 0
CHEVRON CORPORATION ENERGY 166764100 1,129 13,052 SH   SOLE   13,052 0 0
CHEVRON CORPORATION ENERGY 166764100 202 2,333 SH   DFND   1,395 938 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 736 30,937 SH   SOLE   30,872 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 37 1,575 SH   DFND   0 1,575 0
CITIGROUP INC. FINANCIALS 172967424 22 509 SH   SOLE   509 0 0
CITIGROUP INC. FINANCIALS 172967424 5 110 SH   DFND   110 0 0
CITRIX SYSTEMS INC. INFORMATION TECHNOLOGY 177376100 5 70 SH   DFND   70 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 13 100 SH   SOLE   100 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 26 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 0 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 7 195 SH   SOLE   195 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,052 24,518 SH   SOLE   24,518 0 0
COCA COLA CO CONSUMER STAPLES 191216100 336 7,830 SH   DFND   4,080 3,750 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 38 605 SH   SOLE   605 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 933 13,814 SH   SOLE   13,814 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 190 2,820 SH   DFND   2,550 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 103 1,851 SH   SOLE   1,851 0 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 3 50 SH   DFND   50 0 0
CONOCOPHILLIPS ENERGY 20825C104 802 20,517 SH   SOLE   20,517 0 0
CONOCOPHILLIPS ENERGY 20825C104 123 3,160 SH   DFND   2,360 800 0
CONSOLIDATED EDISON INC UTILITIES 209115104 131 1,881 SH   SOLE   1,881 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 80 4,285 SH   SOLE   4,215 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 654 4,329 SH   SOLE   4,329 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 6 40 SH   DFND   0 40 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 15 115 SH   SOLE   115 0 0
CUMMINS INC INDUSTRIALS 231021106 331 3,687 SH   SOLE   3,687 0 0
CUMMINS INC INDUSTRIALS 231021106 10 110 SH   DFND   110 0 0
DTE ENERGY CO UTILITIES 233331107 23 265 SH   SOLE   265 0 0
DANAHER CORP INDUSTRIALS 235851102 300 3,466 SH   SOLE   3,466 0 0
DANAHER CORP INDUSTRIALS 235851102 71 815 SH   DFND   540 275 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 175 2,275 SH   SOLE   2,275 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 23 300 SH   DFND   0 300 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 15 340 SH   SOLE   340 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 49 838 SH   SOLE   838 0 0
DEVON ENERGY CORPORATION NEW ENERGY 25179M103 2 60 SH   DFND   60 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 25 236 SH   SOLE   236 0 0
DIAMONDBACK ENERGY INC. ENERGY 25278X109 4 56 SH   SOLE   56 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,637 17,086 SH   SOLE   17,061 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 126 1,311 SH   DFND   0 1,311 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 15 318 SH   SOLE   318 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 11 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 184 2,543 SH   SOLE   2,543 0 0
DOMINION RESOURCES UTILITIES 25746U109 46 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 9 75 SH   SOLE   75 0 0
RR DONNELLEY & SONS CO CONSUMER DISCRETIONARY 257867101 147 10,545 SH   SOLE   10,545 0 0
DOW CHEMICAL MATERIALS 260543103 54 1,283 SH   SOLE   1,283 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 128 2,420 SH   SOLE   2,420 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 78 1,470 SH   DFND   70 1,400 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 55 734 SH   SOLE   734 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 12 117 SH   SOLE   117 0 0
EMC CORP INFORMATION TECHNOLOGY 268648102 162 6,560 SH   SOLE   6,560 0 0
EOG RESOURCES INC ENERGY 26875P101 27 375 SH   SOLE   375 0 0
EV ENERGY PARTNERS L.P. ENERGY 26926V107 1 500 SH   SOLE   500 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 12 530 SH   SOLE   530 0 0
ECOLAB INC. MATERIALS 278865100 49 458 SH   SOLE   458 0 0
ECOLAB INC. MATERIALS 278865100 1 10 SH   DFND   10 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 161 3,511 SH   SOLE   3,511 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 229 4,975 SH   DFND   1,450 3,525 0
ENCANA CORP FOREIGN EQUITIES 292505104 4 816 SH   SOLE   816 0 0
ENERGEN CORPORATION ENERGY 29265N108 1 41 SH   SOLE   41 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 117 3,931 SH   SOLE   3,931 0 0
ENTERGY CORPORATION UTILITIES 29364G103 14 200 SH   SOLE   200 0 0
ENTERGY CORPORATION UTILITIES 29364G103 56 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 82 3,434 SH   SOLE   3,434 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 4 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 38 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 22 905 SH   DFND   805 0 100
EXELON CORP UTILITIES 30161N101 32 1,090 SH   DFND   1,090 0 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 285 3,971 SH   SOLE   3,971 0 0
EXXON MOBIL CORP ENERGY 30231G102 2,475 31,795 SH   SOLE   31,758 0 37
EXXON MOBIL CORP ENERGY 30231G102 798 10,252 SH   DFND   2,123 8,129 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 143 1,278 SH   SOLE   1,278 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 59 442 SH   SOLE   442 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 17 125 SH   DFND   125 0 0
FIDELITY NATIONAL INFORMATION SERVICES FINANCIALS 31620M106 5 90 SH   DFND   90 0 0
FLAGSTAR BANCORP, INC FINANCIALS 337930705 4 200 SH   SOLE   200 0 0
FIRSTENERGY CORP UTILITIES 337932107 10 300 SH   SOLE   300 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 191 16,035 SH   SOLE   16,035 0 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 20 568 SH   SOLE   568 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 1 257 SH   SOLE   257 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 132 29,123 SH   SOLE   29,123 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 0 72 SH   DFND   0 72 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 112 840 SH   SOLE   840 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 134 1,000 SH   DFND   1,000 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 2,093 71,950 SH   SOLE   71,900 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 560 19,244 SH   DFND   5,669 13,475 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 49 875 SH   SOLE   875 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 158 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 3 30 SH   DFND   30 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 1,027 12,375 SH   SOLE   12,375 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 10 125 SH   DFND   0 125 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 12 815 SH   SOLE   815 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 17 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 336 2,080 SH   SOLE   2,080 0 0
W.W. GRAINGER INDUSTRIALS 384802104 5 23 SH   SOLE   23 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 3 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 21 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 20 622 SH   SOLE   622 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 21 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 6 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 85 1,680 SH   SOLE   1,680 0 0
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 17 195 SH   SOLE   195 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 936 7,446 SH   SOLE   7,446 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 414 3,290 SH   DFND   1,050 2,240 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 58 560 SH   SOLE   560 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 573 6,367 SH   SOLE   6,367 0 0
INGREDION INC CONSUMER STAPLES 457187102 32 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,749 56,398 SH   SOLE   56,333 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 359 11,580 SH   DFND   6,610 4,970 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 6 175 SH   SOLE   175 0 0
INTERCEPT PHARMACEUTICALS INC HEALTHCARE 45845P108 4 35 SH   SOLE   35 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,096 8,783 SH   SOLE   8,783 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 223 1,790 SH   DFND   500 1,290 0
INTERNATIONAL PAPER CO MATERIALS 460146103 63 1,840 SH   SOLE   1,805 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 3 90 SH   DFND   90 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 7 514 SH   SOLE   514 0 0
ISHARES GOLD TRUST EXCHANGE TRADED FUNDS 464285105 23 2,090 SH   SOLE   2,090 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 4 250 SH   SOLE   250 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 5 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 350 SH   SOLE   350 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 5 250 SH   DFND   250 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 14 1,510 SH   SOLE   1,510 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 5 530 SH   DFND   530 0 0
ISHARES MSCI TAIWAN ETF MUTUAL FUND 464286731 9 709 SH   SOLE   709 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 2 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,022 11,770 SH   SOLE   11,770 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 136 1,830 SH   SOLE   1,830 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 7,128 63,987 SH   SOLE   63,502 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 843 7,570 SH   DFND   6,085 1,485 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 4 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 1,160 10,609 SH   SOLE   10,609 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 1,019 18,376 SH   SOLE   18,289 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 15 270 SH   DFND   0 270 0
ISHARES NASDAQ BIOTECHNOLOGYETF EXCHANGE TRADED FUNDS 464287556 61 228 SH   SOLE   228 0 0
ISHARES RUSSELL 2000 GROWTH ETF MUTUAL FUND 464287648 485 3,895 SH   SOLE   3,895 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,232 21,601 SH   SOLE   21,561 0 40
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 19 180 SH   DFND   0 180 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,246 20,935 SH   SOLE   20,910 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 121 2,030 SH   DFND   830 1,200 0
JARDEN CORPORATION CONSUMER STAPLES 471109108 1 19 SH   SOLE   19 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,276 31,366 SH   SOLE   31,336 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 735 7,040 SH   DFND   2,585 4,455 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 3 78 SH   SOLE   78 0 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 11 315 SH   DFND   315 0 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
JOY GLOBAL INC MATERIALS 481165108 0 24 SH   SOLE   24 0 0
KKR & CO., LP FINANCIALS 48248M102 21 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 15 200 SH   DFND   200 0 0
KEURIG GREEN MOUNTAIN INC CONSUMER DISCRETIONARY 49271M100 9 105 SH   SOLE   105 0 0
KEYCORP NEW COM FINANCIALS 493267108 6 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 197 1,532 SH   SOLE   1,532 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 141 1,100 SH   DFND   1,000 100 0
KINDER MORGAN INC. ENERGY 49456B101 32 1,948 SH   SOLE   1,948 0 0
KOHLS CONSUMER DISCRETIONARY 500255104 4 80 SH   DFND   80 0 0
KROGER COMPANY CONSUMER STAPLES 501044101 43 1,110 SH   SOLE   1,110 0 0
LAS VEGAS SANDS CORP CONSUMER DISCRETIONARY 517834107 1 20 SH   DFND   20 0 0
LEGACY RESERVES ENERGY 524707304 0 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 7 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 356 4,497 SH   SOLE   4,497 0 0
ELI LILLY & CO HEALTHCARE 532457108 339 4,290 SH   DFND   4,290 0 0
LIONS GATE ENTERTAINMENT CORP INFORMATION TECHNOLOGY 535919203 3 110 SH   SOLE   110 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 5 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 590 2,795 SH   SOLE   2,795 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 272 1,290 SH   DFND   990 300 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 677 9,449 SH   SOLE   9,374 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 78 1,090 SH   DFND   940 150 0
MPLX LP ENERGY 55336V100 24 795 SH   SOLE   795 0 0
MACY'S INC CONSUMER DISCRETIONARY 55616P104 28 700 SH   SOLE   700 0 0
MARATHON OIL CORPORATION ENERGY 565849106 2 165 SH   SOLE   165 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 4 5 SH   SOLE   5 0 0
MARKET VECTORS AGRIBUSINESS EXCHANGE TRADED FD MUTUAL FUND 57060U605 4 85 SH   SOLE   85 0 0
MARSH & MCLENNAN CO FINANCIALS 571748102 6 110 SH   DFND   110 0 0
MARTIN MIDSTREAM PARTNERSLP MATERIALS 573331105 9 500 SH   SOLE   500 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 37 419 SH   SOLE   419 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 18 208 SH   SOLE   208 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 62 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,337 10,802 SH   SOLE   10,787 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 570 4,602 SH   DFND   2,050 2,552 0
MCGRAW HILL FINANCIAL, INC CONSUMER DISCRETIONARY 580645109 23 265 SH   SOLE   265 0 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 68 420 SH   SOLE   420 0 0
MEMORIAL RESOURCES DEVELOPMENT CORP ENERGY 58605Q109 3 185 SH   SOLE   185 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 457 9,026 SH   SOLE   9,026 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 106 2,100 SH   DFND   1,500 600 0
METLIFE INC FINANCIALS 59156R108 535 11,976 SH   SOLE   11,946 0 30
METLIFE INC FINANCIALS 59156R108 4 80 SH   DFND   80 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,253 22,750 SH   SOLE   22,750 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 291 5,290 SH   DFND   3,190 2,100 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 48 1,110 SH   SOLE   1,110 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 43 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 14 160 SH   SOLE   160 0 0
MORGAN STANLEY FINANCIALS 617446448 49 1,913 SH   SOLE   1,913 0 0
MORGAN STANLEY FINANCIALS 617446448 3 130 SH   DFND   130 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 7 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 3 50 SH   SOLE   50 0 0
NATIONAL FUEL GAS CO. NJ UTILITIES 636180101 2 39 SH   SOLE   39 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 7 100 SH   DFND   0 100 0
NATIONAL-OILWELL VARCO INC ENERGY 637071101 4 115 SH   SOLE   115 0 0
NATIONAL-OILWELL VARCO INC ENERGY 637071101 2 70 SH   DFND   70 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 2 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 15 165 SH   SOLE   165 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 32 912 SH   SOLE   912 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,034 9,257 SH   SOLE   9,257 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 295 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 341 5,503 SH   SOLE   5,503 0 0
NOBLE ENERGY INC. ENERGY 655044105 10 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 3 45 SH   SOLE   45 0 0
NORTHERN TRUST CORP FINANCIALS 665859104 4 70 SH   DFND   70 0 0
NUCOR MATERIALS 670346105 36 912 SH   SOLE   912 0 0
NUCOR MATERIALS 670346105 55 1,400 SH   DFND   800 600 0
NUSTAR ENERGY LP ENERGY 67058H102 17 511 SH   SOLE   511 0 0
NUSTAR GP HOLDINGS LLC ENERGY 67059L102 8 500 SH   SOLE   500 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 38 552 SH   SOLE   552 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 4 60 SH   DFND   60 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 452 12,435 SH   SOLE   12,435 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 7 180 SH   DFND   180 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 11 130 SH   SOLE   130 0 0
PPG INDUSTRIES MATERIALS 693506107 27 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 11 325 SH   SOLE   325 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 6 40 SH   SOLE   40 0 0
J C PENNEY INC CONSUMER DISCRETIONARY 708160106 4 500 SH   SOLE   500 0 0
PEPCO HOLDINGS INC. ENERGY 713291102 25 933 SH   SOLE   933 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,496 25,137 SH   SOLE   25,102 0 35
PEPSICO INC CONSUMER STAPLES 713448108 427 4,305 SH   DFND   1,845 2,460 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 12 240 SH   SOLE   240 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 383 12,568 SH   SOLE   12,568 0 0
PFIZER INC HEALTHCARE 717081103 242 7,926 SH   DFND   5,750 2,176 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 100 1,108 SH   SOLE   1,108 0 0
PHILLIPS 66 ENERGY 718546104 885 11,043 SH   SOLE   11,043 0 0
PHILLIPS 66 ENERGY 718546104 122 1,522 SH   DFND   1,180 342 0
PIEDMONT NATURAL GAS COMPANY ENERGY 720186105 4 75 SH   SOLE   75 0 0
PIMCO CORPORATE INCOME FUND MUTUAL FUND 72200U100 7 500 SH   SOLE   500 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 44 2,070 SH   SOLE   2,070 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 0 110 SH   SOLE   110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 3 50 SH   SOLE   50 0 0
POWERSHARES QQQ MUTUAL FUND 73935A104 3 25 SH   SOLE   25 0 0
ETF POWERSHARES CLEANTECH PORTFOLIO MUTUAL FUND 73935X278 3 100 SH   SOLE   100 0 0
ETF POWERSHARES GLOBAL CLEANENERGY MUTUAL FUND 73936T615 2 200 SH   SOLE   200 0 0
PRAXAIR MATERIALS 74005P104 148 1,480 SH   SOLE   1,480 0 0
PRAXAIR MATERIALS 74005P104 173 1,725 SH   DFND   825 900 0
PRECISION CASTPARTS CORP. INDUSTRIALS 740189105 14 60 SH   SOLE   60 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 36 503 SH   SOLE   503 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 12 11 SH   SOLE   11 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,461 30,124 SH   SOLE   30,089 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 594 7,272 SH   DFND   2,915 4,357 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 50 718 SH   SOLE   718 0 0
PRUDENTIAL FINANCIAL INC PFD PREFERRED STOCK 744320706 13 500 SH   SOLE   500 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 89 2,164 SH   SOLE   2,164 0 0
PUMA BIOTECHNOLOGY INC HEALTHCARE 74587V107 1 30 SH   SOLE   30 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 831 18,339 SH   SOLE   18,309 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 43 950 SH   DFND   665 285 0
RPM INTERNATIONAL, INC. MATERIALS 749685103 3 65 SH   SOLE   65 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 4 30 SH   SOLE   30 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 64 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 48 115 SH   SOLE   115 0 0
RESTORATION HARDWARE HOLDING CONSUMER STAPLES 761283100 2 40 SH   SOLE   40 0 0
ROCKWELL COLLINS INC TELECOM. SERVICES 774341101 5 60 SH   SOLE   60 0 0
ROSS STORES INC CONSUMER DISCRETIONARY 778296103 56 1,000 SH   SOLE   1,000 0 0
ROYAL DUTCH SHELL PLC ADR FOREIGN EQUITIES 780259206 5 110 SH   SOLE   110 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 16 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 14,503 74,868 SH   SOLE   74,868 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 137 705 SH   DFND   705 0 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 198 1,854 SH   SOLE   1,854 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF FIXED INCOME 78464A417 195 5,886 SH   SOLE   5,886 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 38 160 SH   DFND   0 160 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 4 60 SH   SOLE   60 0 0
SCHLUMBERGER LTD ENERGY 806857108 356 4,933 SH   SOLE   4,918 0 15
SCHLUMBERGER LTD ENERGY 806857108 51 700 SH   DFND   0 700 0
SCHWAB INTERNATIONAL EQUITY ETF EXCHANGE TRADED FUNDS 808524805 44 1,697 SH   SOLE   1,697 0 0
MATERIAL SELECT SECTOR SPDR TRUST MUTUAL FUND 81369Y100 6 150 SH   SOLE   150 0 0
HEALTH CARE SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y209 117 1,765 SH   SOLE   1,765 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y308 5 100 SH   SOLE   100 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND MUTUAL FUND 81369Y407 37 500 SH   SOLE   500 0 0
ENERGY SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y506 199 3,426 SH   SOLE   3,426 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 104 4,785 SH   SOLE   4,785 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 10 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y704 10 200 SH   SOLE   200 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 221 5,365 SH   SOLE   5,365 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 19 450 SH   DFND   0 450 0
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SEMPRA ENERGY UTILITIES 816851109 6 68 SH   SOLE   68 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 4 15 SH   SOLE   15 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 86 462 SH   SOLE   462 0 0
SKECHERS USA INC - CL A CONSUMER DISCRETIONARY 830566105 3 100 SH   SOLE   100 0 0
SKYWORKS SOLUTIONS, INC. INFORMATION TECHNOLOGY 83088M102 7 100 SH   SOLE   100 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 88 689 SH   SOLE   689 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 126 981 SH   DFND   30 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 98 609 SH   SOLE   609 0 0
SOUTHERN CO UTILITIES 842587107 606 12,399 SH   SOLE   12,399 0 0
SOUTHERN CO UTILITIES 842587107 205 4,195 SH   DFND   2,850 1,345 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 19 500 SH   SOLE   500 0 0
SOUTHWEST GAS CORP ENERGY 844895102 9 150 SH   SOLE   150 0 0
SPECTRA ENERGY CORPORATION ENERGY 847560109 50 1,825 SH   SOLE   1,825 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 29 3,205 SH   SOLE   3,205 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 18 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 367 6,033 SH   SOLE   6,033 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 6 100 SH   DFND   0 100 0
STRYKER CORP HEALTHCARE 863667101 681 6,872 SH   SOLE   6,840 0 32
STRYKER CORP HEALTHCARE 863667101 38 380 SH   DFND   270 110 0
SYMANTEC CORPORATION INFORMATION TECHNOLOGY 871503108 12 600 SH   SOLE   600 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 9 220 SH   SOLE   220 0 0
TC PIPELINES LP ENERGY 87233Q108 22 500 SH   SOLE   500 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 37 525 SH   SOLE   525 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 6 90 SH   DFND   90 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 501 6,915 SH   SOLE   6,873 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 101 1,400 SH   DFND   670 730 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 2 67 SH   SOLE   67 0 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 10 50 SH   SOLE   50 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 22 358 SH   SOLE   358 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 28 535 SH   SOLE   535 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 7 130 SH   DFND   130 0 0
TEXAS ROADHOUSE INC CONSUMER DISCRETIONARY 882681109 5 125 SH   SOLE   125 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 349 2,312 SH   SOLE   2,312 0 0
3M CO COM INDUSTRIALS 88579Y101 229 1,515 SH   DFND   1,000 515 0
TIFFANY & CO CONSUMER DISCRETIONARY 886547108 2 36 SH   SOLE   36 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 45 635 SH   SOLE   635 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 6 80 SH   DFND   80 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 38 1,013 SH   SOLE   1,013 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 14 115 SH   SOLE   115 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 87 810 SH   SOLE   810 0 0
TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 2 35 SH   SOLE   35 0 0
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TRUSTCO BK CORP N Y COM FINANCIALS 898349105 11 2,000 SH   DFND   0 2,000 0
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US BANCORP DEL COM NEW FINANCIALS 902973304 142 3,540 SH   SOLE   3,540 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 101 1,185 SH   SOLE   1,185 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 89 2,000 SH   SOLE   2,000 0 0
UNION PACIFIC CORP INDUSTRIALS 907818108 61 850 SH   SOLE   850 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 48 513 SH   SOLE   513 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,008 22,902 SH   SOLE   22,870 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 301 3,435 SH   DFND   2,170 1,265 0
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UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 8 70 SH   DFND   70 0 0
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VENTAS INC REIT FINANCIALS 92276F100 55 1,000 SH   SOLE   1,000 0 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 1,968 39,377 SH   SOLE   39,295 0 82
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 342 6,850 SH   DFND   3,699 3,151 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 125 1,675 SH   SOLE   1,675 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 9 120 SH   DFND   120 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 5 100 SH   SOLE   100 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 256 3,855 SH   SOLE   3,855 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 126 1,900 SH   DFND   1,500 400 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 834 15,748 SH   SOLE   15,748 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 141 2,655 SH   DFND   880 1,775 0
WELLS FARGO & CO NEW FINANCIALS 949746101 148 2,943 SH   SOLE   2,943 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 63 1,250 SH   DFND   700 550 0
WESTERN GAS PARTNERS LP ENERGY 958254104 37 1,135 SH   SOLE   1,135 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 17 130 SH   SOLE   130 0 0
WHOLE FOOD MARKET INC. CONSUMER STAPLES 966837106 25 850 SH   SOLE   850 0 0
THE WILLIAMS CO. INC. ENERGY 969457100 5 279 SH   SOLE   279 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 4 300 SH   SOLE   300 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 182 4,685 SH   SOLE   4,685 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YAHOO INC INFORMATION TECHNOLOGY 984332106 8 270 SH   SOLE   270 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 40 550 SH   SOLE   550 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 43 600 SH   DFND   0 600 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 10 100 SH   SOLE   100 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 50 500 SH   DFND   0 500 0
ZIONS BANCORPORATION FINANCIALS 989701107 5 203 SH   SOLE   203 0 0