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 482 3,945 SH   SOLE   3,945 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 4 100 SH   SOLE   100 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 54 755 SH   SOLE   755 0 0
AFLAC INC. FINANCIALS 001055102 36 500 SH   DFND   300 200 0
AT&T INC. TELECOM. SERVICES 00206R102 2,233 54,997 SH   SOLE   54,937 0 60
AT&T INC. TELECOM. SERVICES 00206R102 425 10,456 SH   DFND   5,011 5,445 0
ABBOTT LABS HEALTHCARE 002824100 194 4,594 SH   SOLE   4,594 0 0
ABBOTT LABS HEALTHCARE 002824100 130 3,065 SH   DFND   1,370 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 456 7,226 SH   SOLE   7,226 0 0
ABBVIE INC. HEALTHCARE 00287Y109 191 3,035 SH   DFND   1,340 1,695 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 96 2,175 SH   SOLE   2,175 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 38 350 SH   SOLE   350 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 266 2,305 SH   SOLE   2,305 0 0
INVESCO INTERNATIONAL GROWTH FUND MUTUAL FUND 008882532 129 4,024 SH   SOLE   4,024 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 21 320 SH   SOLE   320 0 0
ALCOA INC MATERIALS 013817101 11 1,115 SH   SOLE   1,115 0 0
ALEXION PHARMACEUTICALS INC HEALTHCARE 015351109 9 75 SH   SOLE   75 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 21 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 194 3,068 SH   SOLE   3,068 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 1,793 2,141 SH   SOLE   2,141 0 0
AMERICAN EXPRESS FINANCIALS 025816109 266 4,157 SH   SOLE   4,120 0 37
AMERICAN EXPRESS FINANCIALS 025816109 25 385 SH   DFND   285 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 30 505 SH   SOLE   505 0 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 7 110 SH   DFND   110 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 389 3,433 SH   SOLE   3,433 0 0
AMERICAN WATER WORKS INC. CONSUMER DISCRETIONARY 030420103 2 25 SH   SOLE   25 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 240 1,440 SH   SOLE   1,440 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 33 525 SH   SOLE   525 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 13 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 2,722 24,077 SH   SOLE   24,077 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 132 1,170 SH   DFND   730 440 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 112 3,700 SH   SOLE   3,700 0 0
AQUA AMERICA INC UTILITIES 03836W103 633 20,770 SH   SOLE   20,770 0 0
AQUA AMERICA INC UTILITIES 03836W103 27 875 SH   DFND   0 875 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102 2 48 SH   SOLE   48 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 80 2,426 SH   SOLE   2,426 0 0
ARTISAN INTERNATIONAL FUND MUTUAL FUND 04314H402 4 133 SH   SOLE   133 0 0
ARTISAN MID CAP FUND MUTUAL FUND 04314H600 6 130 SH   SOLE   130 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 2 65 SH   SOLE   65 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 44 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 842 9,543 SH   SOLE   9,543 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 243 2,760 SH   DFND   1,460 1,300 0
BP P.L.C. ENERGY 055622104 65 1,841 SH   SOLE   1,841 0 0
BP P.L.C. ENERGY 055622104 5 150 SH   DFND   0 150 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAKER HUGHES INC ENERGY 057224107 17 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 10 118 SH   SOLE   118 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 85 5,460 SH   SOLE   5,401 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 7 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 77 1,920 SH   SOLE   1,920 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 11 1,925 SH   SOLE   1,925 0 0
BARCLAYS PLC FOREIGN EQUITIES 06738E204 3 375 SH   SOLE   375 0 0
BARRICK GOLD CORP MATERIALS 067901108 8 445 SH   SOLE   445 0 0
BARRICK GOLD CORP MATERIALS 067901108 12 685 SH   DFND   0 685 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 43 900 SH   DFND   900 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 361 2,010 SH   SOLE   1,995 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 140 780 SH   DFND   530 250 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 893 6,181 SH   SOLE   6,181 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 18 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 53 168 SH   SOLE   168 0 0
BLACKROCK INC FINANCIALS 09247X101 140 385 SH   SOLE   385 0 0
BLACKROCK INC FINANCIALS 09247X101 13 35 SH   DFND   20 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 116 4,531 SH   SOLE   4,531 0 0
BOEING INDUSTRIALS 097023105 483 3,666 SH   SOLE   3,641 0 25
BOEING INDUSTRIALS 097023105 141 1,070 SH   DFND   555 515 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,361 25,237 SH   SOLE   25,237 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 393 7,290 SH   DFND   4,000 3,290 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 91 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 6 100 SH   SOLE   100 0 0
CF INDUSTRIES HOLDINGS INC INDUSTRIALS 125269100 2 95 SH   SOLE   95 0 0
CSX CORPORATION INDUSTRIALS 126408103 157 5,135 SH   SOLE   5,135 0 0
CSX CORPORATION INDUSTRIALS 126408103 64 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,226 13,772 SH   SOLE   13,772 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 14 160 SH   DFND   60 100 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 118 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 46 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 20 278 SH   SOLE   278 0 0
CARDINAL HEALTH INC HEALTHCARE 14149Y108 10 135 SH   SOLE   135 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 4 35 SH   SOLE   35 0 0
CATERPILLAR INC INDUSTRIALS 149123101 950 10,707 SH   SOLE   10,682 0 25
CATERPILLAR INC INDUSTRIALS 149123101 238 2,685 SH   DFND   1,985 700 0
CELGENE CORP HEALTHCARE 151020104 754 7,215 SH   SOLE   7,215 0 0
CELGENE CORP HEALTHCARE 151020104 12 115 SH   DFND   0 115 0
CENOVUS ENERGY INC. ENERGY 15135U109 11 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 30 1,300 SH   SOLE   1,300 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 165 7,100 SH   DFND   7,000 100 0
CENTURYTEL INC TELECOM. SERVICES 156700106 10 361 SH   SOLE   361 0 0
CHEVRON CORPORATION ENERGY 166764100 1,322 12,848 SH   SOLE   12,848 0 0
CHEVRON CORPORATION ENERGY 166764100 239 2,318 SH   DFND   1,395 923 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 903 28,466 SH   SOLE   28,401 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 56 1,775 SH   DFND   0 1,775 0
CITIGROUP INC. FINANCIALS 172967424 4 79 SH   SOLE   79 0 0
CITRIX SYSTEMS INC. INFORMATION TECHNOLOGY 177376100 6 70 SH   DFND   70 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 13 100 SH   SOLE   100 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 25 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 5 145 SH   SOLE   145 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,031 24,368 SH   SOLE   24,368 0 0
COCA COLA CO CONSUMER STAPLES 191216100 320 7,565 SH   DFND   4,080 3,485 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 5 100 SH   SOLE   100 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 951 12,834 SH   SOLE   12,834 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 223 3,010 SH   DFND   2,550 460 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 108 1,621 SH   SOLE   1,621 0 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 3 50 SH   DFND   50 0 0
CONOCOPHILLIPS ENERGY 20825C104 747 17,176 SH   SOLE   17,176 0 0
CONOCOPHILLIPS ENERGY 20825C104 135 3,095 SH   DFND   2,360 735 0
CONSOLIDATED EDISON INC UTILITIES 209115104 142 1,881 SH   SOLE   1,881 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 77 3,270 SH   SOLE   3,200 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 628 4,119 SH   SOLE   4,119 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 417 3,257 SH   SOLE   3,257 0 0
CUMMINS INC INDUSTRIALS 231021106 14 110 SH   DFND   110 0 0
DTE ENERGY CO UTILITIES 233331107 25 265 SH   SOLE   265 0 0
DANAHER CORP INDUSTRIALS 235851102 202 2,571 SH   SOLE   2,571 0 0
DANAHER CORP INDUSTRIALS 235851102 58 735 SH   DFND   460 275 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 176 2,060 SH   SOLE   2,060 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 18 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 13 340 SH   SOLE   340 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 50 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 27 236 SH   SOLE   236 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,576 16,976 SH   SOLE   16,951 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 130 1,403 SH   DFND   0 1,403 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 18 318 SH   SOLE   318 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 10 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 209 2,818 SH   SOLE   2,818 0 0
DOMINION RESOURCES UTILITIES 25746U109 47 635 SH   DFND   635 0 0
DOW CHEMICAL MATERIALS 260543103 117 2,248 SH   SOLE   2,248 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 192 2,867 SH   SOLE   2,867 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 98 1,470 SH   DFND   70 1,400 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 72 894 SH   SOLE   894 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 16 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 24 245 SH   SOLE   245 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 36 1,097 SH   SOLE   1,097 0 0
ECOLAB INC. MATERIALS 278865100 37 308 SH   SOLE   308 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 174 3,195 SH   SOLE   3,195 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 265 4,855 SH   DFND   1,450 3,405 0
ENCANA CORP FOREIGN EQUITIES 292505104 9 816 SH   SOLE   816 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 154 4,171 SH   SOLE   4,171 0 0
ENTERGY CORPORATION UTILITIES 29364G103 61 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 79 2,856 SH   SOLE   2,856 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 39 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 23 905 SH   DFND   805 0 100
EXELON CORP UTILITIES 30161N101 36 1,090 SH   DFND   1,090 0 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 292 4,139 SH   SOLE   4,139 0 0
EXXON MOBIL CORP ENERGY 30231G102 2,637 30,214 SH   SOLE   30,177 0 37
EXXON MOBIL CORP ENERGY 30231G102 897 10,272 SH   DFND   2,123 8,149 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 847 6,603 SH   SOLE   6,603 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 92 527 SH   SOLE   527 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 22 125 SH   DFND   125 0 0
FIDELITY EMERGING MARKETS INCOME FUND MUTUAL FUNDS-TAXABLE 315920702 7 477 SH   SOLE   477 0 0
FIDELITY TELECOMMUNICATION SERVICES INDEX ETF EXCHANGE TRADED FUNDS 316092873 5 181 SH   SOLE   181 0 0
FIDELITY NATIONAL INFORMATION SERVICES FINANCIALS 31620M106 7 90 SH   DFND   90 0 0
FIRSTENERGY CORP UTILITIES 337932107 12 353 SH   SOLE   353 0 0
JP MORGAN MID CAP VALUE FUND MUTUAL FUND 339128100 23 625 SH   SOLE   625 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 188 15,605 SH   SOLE   15,605 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 19 367 SH   DFND   230 137 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 5 150 SH   SOLE   150 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 1 110 SH   SOLE   110 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 124 29,735 SH   SOLE   29,735 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 0 72 SH   DFND   0 72 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 133 855 SH   SOLE   855 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 155 1,000 SH   DFND   1,000 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,990 67,220 SH   SOLE   67,170 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 566 19,124 SH   DFND   5,669 13,355 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 73 1,145 SH   SOLE   1,145 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 179 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 18 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 989 12,500 SH   SOLE   12,500 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 16 200 SH   DFND   0 200 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 15 815 SH   SOLE   815 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 2 50 SH   SOLE   50 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 17 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 321 1,990 SH   SOLE   1,990 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 23 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 33 740 SH   SOLE   740 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 28 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 10 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 106 1,575 SH   SOLE   1,575 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 945 7,346 SH   SOLE   7,346 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 406 3,155 SH   DFND   1,050 2,105 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 93 800 SH   SOLE   800 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 731 6,102 SH   SOLE   6,102 0 0
INGREDION INC CONSUMER STAPLES 457187102 43 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,042 54,083 SH   SOLE   54,018 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 434 11,490 SH   DFND   6,610 4,880 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 9 250 SH   SOLE   250 0 0
INTERCEPT PHARMACEUTICALS INC HEALTHCARE 45845P108 6 35 SH   SOLE   35 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,331 8,379 SH   SOLE   8,379 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 285 1,792 SH   DFND   500 1,292 0
INTERNATIONAL PAPER CO MATERIALS 460146103 66 1,380 SH   SOLE   1,345 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 4 90 SH   DFND   90 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 8 464 SH   SOLE   464 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 2 100 SH   SOLE   100 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 6 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 3 100 SH   SOLE   100 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 6 250 SH   DFND   250 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 16 1,460 SH   SOLE   1,460 0 0
ISHARES MSCI SINGAPORE ETF MUTUAL FUND 464286673 6 530 SH   DFND   530 0 0
ISHARES MSCI TAIWAN ETF MUTUAL FUND 464286731 10 609 SH   SOLE   609 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 976 10,170 SH   SOLE   10,170 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 106 1,240 SH   SOLE   1,240 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 7,368 63,249 SH   SOLE   62,764 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 918 7,877 SH   DFND   6,085 1,792 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 1,147 10,199 SH   SOLE   10,199 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 1,003 16,967 SH   SOLE   16,880 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 28 470 SH   DFND   0 470 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE TRADED FUNDS 464287499 74 426 SH   SOLE   426 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXCHANGE TRADED FUNDS 464287515 5 45 SH   SOLE   45 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF EXCHANGE TRADED FUNDS 464287556 89 308 SH   SOLE   308 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 164 1,576 SH   SOLE   1,576 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED FUNDS 464287648 580 3,895 SH   SOLE   3,895 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE TRADED FUNDS 464287655 117 942 SH   SOLE   942 0 0
ISHARES U.S. INDUSTRIALS ETF EXCHANGE TRADED FUNDS 464287754 3 22 SH   SOLE   22 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,579 20,772 SH   SOLE   20,732 0 40
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 37 299 SH   DFND   0 299 0
ISHARES MSCI KLD 400 SOCIAL FIXED INCOME 464288570 8 100 SH   SOLE   100 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF EXCHANGE TRADED FUNDS 464288646 7 69 SH   SOLE   69 0 0
ISHARES MSCI USA ESG SELECT FIXED INCOME 464288802 9 100 SH   SOLE   100 0 0
ISHARES U.S. MEDICAL DEVICES ETF EXCHANGE TRADED FUNDS 464288810 4 26 SH   SOLE   26 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,430 21,471 SH   SOLE   21,446 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 128 1,925 SH   DFND   830 1,095 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,607 30,539 SH   SOLE   30,509 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 799 6,760 SH   DFND   2,585 4,175 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 22 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 15 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 7 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 212 1,678 SH   SOLE   1,678 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 135 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 25 1,098 SH   SOLE   1,098 0 0
LEGACY RESERVES ENERGY 524707304 0 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 8 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 400 4,982 SH   SOLE   4,982 0 0
ELI LILLY & CO HEALTHCARE 532457108 356 4,435 SH   DFND   4,290 145 0
LIONS GATE ENTERTAINMENT CORP INFORMATION TECHNOLOGY 535919203 4 220 SH   SOLE   220 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 6 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 670 2,795 SH   SOLE   2,795 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 309 1,290 SH   DFND   990 300 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 683 9,466 SH   SOLE   9,391 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 79 1,090 SH   DFND   940 150 0
MPLX LP ENERGY 55336V100 27 795 SH   SOLE   795 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 5 5 SH   SOLE   5 0 0
MARRIOTT INTERNATIONAL INC. CLASS A CONSUMER DISCRETIONARY 571903202 3 40 SH   SOLE   40 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 66 649 SH   SOLE   649 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 33 335 SH   SOLE   335 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 70 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,280 11,092 SH   SOLE   11,077 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 529 4,587 SH   DFND   2,050 2,537 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 69 415 SH   SOLE   415 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 564 9,031 SH   SOLE   9,031 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 120 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 573 12,892 SH   SOLE   12,862 0 30
METLIFE INC FINANCIALS 59156R108 4 80 SH   DFND   80 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,378 23,934 SH   SOLE   23,934 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 294 5,110 SH   DFND   3,190 1,920 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 59 1,334 SH   SOLE   1,334 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 44 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 16 160 SH   SOLE   160 0 0
MORGAN STANLEY FINANCIALS 617446448 95 2,957 SH   SOLE   2,957 0 0
MORGAN STANLEY FINANCIALS 617446448 4 130 SH   DFND   130 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 10 321 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 2 30 SH   SOLE   30 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 5 70 SH   DFND   0 70 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 4 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 38 385 SH   SOLE   385 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 30 912 SH   SOLE   912 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 1 16 SH   SOLE   16 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,091 8,921 SH   SOLE   8,921 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 323 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 333 6,318 SH   SOLE   6,318 0 0
NOBLE ENERGY INC. ENERGY 655044105 11 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 4 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 21 100 SH   SOLE   100 0 0
NUCOR MATERIALS 670346105 32 647 SH   SOLE   647 0 0
NUCOR MATERIALS 670346105 69 1,400 SH   DFND   800 600 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 60 823 SH   SOLE   823 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 4 60 SH   DFND   60 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 459 11,697 SH   SOLE   11,697 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 14 350 SH   DFND   180 170 0
OPPENHEIMER DEVELOPING MARKETS FUND MUTUAL FUND 683974604 195 5,764 SH   SOLE   5,764 0 0
P G & E CORP UTILITIES 69331C108 4 64 SH   SOLE   64 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 21 235 SH   SOLE   235 0 0
PPG INDUSTRIES MATERIALS 693506107 29 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 16 465 SH   SOLE   465 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 8 50 SH   SOLE   50 0 0
J C PENNEY INC CONSUMER DISCRETIONARY 708160106 5 500 SH   SOLE   500 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,634 24,217 SH   SOLE   24,182 0 35
PEPSICO INC CONSUMER STAPLES 713448108 478 4,395 SH   DFND   1,845 2,550 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 13 240 SH   SOLE   240 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 2 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 489 14,449 SH   SOLE   14,449 0 0
PFIZER INC HEALTHCARE 717081103 268 7,926 SH   DFND   5,750 2,176 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 139 1,433 SH   SOLE   1,433 0 0
PHILLIPS 66 ENERGY 718546104 885 10,989 SH   SOLE   10,989 0 0
PHILLIPS 66 ENERGY 718546104 120 1,492 SH   DFND   1,180 312 0
PIEDMONT NATURAL GAS COMPANY ENERGY 720186105 5 75 SH   SOLE   75 0 0
PIMCO CORPORATE INCOME FUND MUTUAL FUND 72200U100 8 500 SH   SOLE   500 0 0
PIMCO TOTAL RETURN ACTIVE ETF EXCHANGE TRADED FUNDS 72201R775 14 133 SH   SOLE   133 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 65 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 4 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 194 1,605 SH   SOLE   1,605 0 0
PRAXAIR MATERIALS 74005P104 210 1,740 SH   DFND   825 915 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 28 428 SH   SOLE   428 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 10 7 SH   SOLE   7 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,631 29,319 SH   SOLE   29,284 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 757 8,432 SH   DFND   2,915 5,517 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 95 1,168 SH   SOLE   1,168 0 0
PRUDENTIAL FINANCIAL INC PFD PREFERRED STOCK 744320706 13 500 SH   SOLE   500 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 91 2,164 SH   SOLE   2,164 0 0
PUMA BIOTECHNOLOGY INC HEALTHCARE 74587V107 2 30 SH   SOLE   30 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,142 16,670 SH   SOLE   16,640 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 70 1,025 SH   DFND   665 360 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 29 210 SH   SOLE   210 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 68 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 68 170 SH   SOLE   170 0 0
ROSS STORES INC CONSUMER DISCRETIONARY 778296103 64 1,000 SH   SOLE   1,000 0 0
ROYAL DUTCH SHELL PLC ADR FOREIGN EQUITIES 780259206 6 110 SH   SOLE   110 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 20 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 16,447 76,038 SH   SOLE   76,038 0 0
SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 152 705 SH   DFND   705 0 0
SPDR GOLD TRUST MUTUAL FUND 78463V107 213 1,699 SH   SOLE   1,699 0 0
ETF SPDR S&P BIOTECH EXCHANGE TRADED FUNDS 78464A870 109 1,650 SH   SOLE   1,650 0 0
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S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MUTUAL FUND 78467Y107 75 265 SH   DFND   0 265 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 19 265 SH   SOLE   265 0 0
SCHLUMBERGER LTD ENERGY 806857108 434 5,515 SH   SOLE   5,500 0 15
SCHLUMBERGER LTD ENERGY 806857108 58 742 SH   DFND   42 700 0
CHARLES SCHWAB CORPORATION FINANCIALS 808513105 19 590 SH   SOLE   590 0 0
SEATTLE GENETICS INC HEALTHCARE 812578102 5 100 SH   SOLE   100 0 0
MATERIAL SELECT SECTOR SPDR TRUST MUTUAL FUND 81369Y100 8 175 SH   SOLE   175 0 0
HEALTH CARE SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y209 118 1,630 SH   SOLE   1,630 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y308 10 193 SH   SOLE   193 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND MUTUAL FUND 81369Y407 40 500 SH   SOLE   500 0 0
ENERGY SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y506 238 3,376 SH   SOLE   3,376 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 96 4,967 SH   SOLE   4,967 0 0
FINANCIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y605 9 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND MUTUAL FUND 81369Y704 12 200 SH   SOLE   200 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 250 5,234 SH   SOLE   5,234 0 0
TECHNOLOGY SELECT SECT SPDR MUTUAL FUND 81369Y803 21 450 SH   DFND   0 450 0
AMEX UTILITIES SELECT INDEX SHS BEN INT MUTUAL FUND 81369Y886 8 167 SH   SOLE   167 0 0
SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 4 15 SH   SOLE   15 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 191 922 SH   SOLE   922 0 0
SKECHERS USA INC - CL A CONSUMER DISCRETIONARY 830566105 5 200 SH   SOLE   200 0 0
SKYWORKS SOLUTIONS, INC. INFORMATION TECHNOLOGY 83088M102 2 25 SH   SOLE   25 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 110 814 SH   SOLE   814 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 129 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 93 609 SH   SOLE   609 0 0
SOUTHERN CO UTILITIES 842587107 645 12,584 SH   SOLE   12,584 0 0
SOUTHERN CO UTILITIES 842587107 214 4,165 SH   DFND   2,850 1,315 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 19 500 SH   SOLE   500 0 0
SOUTHWEST GAS CORP ENERGY 844895102 10 150 SH   SOLE   150 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 26 3,055 SH   SOLE   3,055 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 17 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 351 6,485 SH   SOLE   6,485 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 10 192 SH   DFND   0 192 0
STRYKER CORP HEALTHCARE 863667101 691 5,932 SH   SOLE   5,900 0 32
STRYKER CORP HEALTHCARE 863667101 44 380 SH   DFND   270 110 0
SYMANTEC CORPORATION INFORMATION TECHNOLOGY 871503108 10 400 SH   SOLE   400 0 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 11 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 46 610 SH   SOLE   610 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 7 90 SH   DFND   90 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 498 7,245 SH   SOLE   7,203 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 96 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 28 135 SH   SOLE   135 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 16 358 SH   SOLE   358 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 38 535 SH   SOLE   535 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 7 100 SH   DFND   100 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 361 2,047 SH   SOLE   2,047 0 0
3M CO COM INDUSTRIALS 88579Y101 267 1,515 SH   DFND   1,000 515 0
TIFFANY & CO CONSUMER DISCRETIONARY 886547108 3 36 SH   SOLE   36 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 73 920 SH   SOLE   920 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 6 80 SH   DFND   80 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 45 1,013 SH   SOLE   1,013 0 0
TOYOTA MOTOR CORP ADR CONSUMER DISCRETIONARY 892331307 13 115 SH   SOLE   115 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 85 745 SH   SOLE   745 0 0
TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 2 35 SH   SOLE   35 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 22 3,170 SH   SOLE   3,170 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 10 1,400 SH   DFND   0 1,400 0
US BANCORP DEL COM NEW FINANCIALS 902973304 155 3,625 SH   SOLE   3,625 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 68 1,760 SH   SOLE   1,760 0 0
UNDER ARMOUR INC -CLASS C NON-VOTING COMMON CONSUMER DISCRETIONARY 904311206 33 979 SH   SOLE   979 0 0
UNION PACIFIC CORP INDUSTRIALS 907818108 75 772 SH   SOLE   772 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 71 648 SH   SOLE   648 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,235 21,994 SH   SOLE   21,962 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 359 3,535 SH   DFND   2,170 1,365 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 117 835 SH   SOLE   835 0 0
UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 7 50 SH   DFND   50 0 0
VALERO ENERGY NEW ENERGY 91913Y100 16 295 SH   SOLE   295 0 0
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VANGUARD TOTAL STOCK MARKET ETF MUTUAL FUND 922908769 453 4,065 SH   SOLE   4,065 0 0
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 2,062 39,676 SH   SOLE   39,594 0 82
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 364 7,007 SH   DFND   3,699 3,308 0
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VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 171 2,070 SH   SOLE   2,070 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 7 90 SH   DFND   90 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 7 100 SH   SOLE   100 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 281 3,902 SH   SOLE   3,902 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 128 1,780 SH   DFND   1,500 280 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 1,007 15,788 SH   SOLE   15,788 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 158 2,485 SH   DFND   880 1,605 0
WELLS FARGO & CO NEW FINANCIALS 949746101 172 3,878 SH   SOLE   3,878 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 47 1,070 SH   DFND   700 370 0
WESTERN GAS PARTNERS LP ENERGY 958254104 62 1,135 SH   SOLE   1,135 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 24 150 SH   SOLE   150 0 0
WHOLE FOOD MARKET INC. CONSUMER STAPLES 966837106 17 600 SH   SOLE   600 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 6 600 SH   SOLE   600 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 169 3,650 SH   SOLE   3,650 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 16 180 SH   SOLE   180 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 54 600 SH   DFND   0 600 0
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ZIONS BANCORPORATION FINANCIALS 989701107 6 203 SH   SOLE   203 0 0