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
EATON CORP PLC FOREIGN EQUITIES G29183103 115 1,697 SH   SOLE   1,697 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 358 21,610 SH   SOLE   21,610 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 18 1,100 SH   DFND   1,100 0 0
XL GROUP PLC FOREIGN EQUITIES G98290102 15 440 SH   SOLE   440 0 0
ACCO BRANDS CORP COMMON STOCK 00081T108 17 1,906 SH   SOLE   1,906 0 0
AFLAC INC COMMON STOCK 001055102 22 354 SH   SOLE   354 0 0
AGL RESOURCES INC COMMON STOCK 001204106 14 251 SH   SOLE   251 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 119 3,125 SH   SOLE   3,125 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 414 23,621 SH   SOLE   23,621 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 225 12,871 SH   DFND   12,871 0 0
AT&T INC COMMON STOCK 00206R102 5,040 150,058 SH   SOLE   149,558 0 500
AT&T INC COMMON STOCK 00206R102 1,129 33,602 SH   DFND   33,602 0 0
ABBOTT LABS COMMON STOCK 002824100 1,983 44,040 SH   SOLE   43,740 0 300
ABBOTT LABS COMMON STOCK 002824100 201 4,455 SH   DFND   4,455 0 0
ABBVIE INC COMMON STOCK 00287Y109 3,152 48,167 SH   SOLE   48,167 0 0
ABBVIE INC COMMON STOCK 00287Y109 431 6,590 SH   DFND   6,590 0 0
AETNA INC NEW COMMON STOCK 00817Y108 44 500 SH   DFND   500 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 285 1,975 SH   SOLE   1,975 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 29 200 SH   DFND   200 0 0
ALCOA INC COMMON STOCK 013817101 46 2,884 SH   SOLE   2,884 0 0
ALCOA INC COMMON STOCK 013817101 63 4,000 SH   DFND   4,000 0 0
ALIBABA GROUP HLD COMMON STOCK 01609W102 10 100 SH   DFND   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 576 11,682 SH   SOLE   11,682 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 32 650 SH   DFND   650 0 0
AMAZON.COM INC COMMON STOCK 023135106 8 25 SH   SOLE   25 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 259 4,267 SH   SOLE   4,267 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 147 2,419 SH   DFND   2,419 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 86 925 SH   SOLE   925 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 4 SH   SOLE   4 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND   10 0 0
AMERIGAS PARTNERS LP COMMON STOCK 030975106 38 800 SH   DFND   800 0 0
AMGEN INC COMMON STOCK 031162100 653 4,100 SH   SOLE   4,100 0 0
AMGEN INC COMMON STOCK 031162100 335 2,100 SH   DFND   2,100 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 50 600 SH   SOLE   600 0 0
ANTHEM INC COM COMMON STOCK 036752103 427 3,400 SH   SOLE   3,400 0 0
APACHE CORP COMMON STOCK 037411105 537 8,570 SH   SOLE   8,570 0 0
APACHE CORP COMMON STOCK 037411105 11 180 SH   DFND   180 0 0
APPLE INC COMMON STOCK 037833100 10,014 90,721 SH   SOLE   90,721 0 0
APPLE INC COMMON STOCK 037833100 182 1,652 SH   DFND   1,652 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 16 648 SH   SOLE   648 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 4 150 SH   SOLE   150 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 167 6,081 SH   DFND   6,081 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 47 3,500 SH   SOLE   3,500 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,161 25,925 SH   SOLE   25,785 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 449 5,382 SH   DFND   5,382 0 0
BB&T CORP COMMON STOCK 054937107 174 4,475 SH   SOLE   4,475 0 0
BB&T CORP COMMON STOCK 054937107 8 200 SH   DFND   200 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 5 132 SH   SOLE   132 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 109 6,110 SH   SOLE   6,110 0 0
BANK OF MONTREAL FOREIGN EQUITIES 063671101 7 100 SH   DFND   100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 288 7,110 SH   SOLE   7,110 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 25 440 SH   SOLE   440 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 374 14,500 SH   SOLE   14,500 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 44 1,700 SH   DFND   1,700 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 37 500 SH   SOLE   500 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 15 200 SH   DFND   200 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 344 2,475 SH   SOLE   2,475 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 223 1,600 SH   DFND   1,600 0 0
BEMIS INC COMMON STOCK 081437105 840 18,575 SH   SOLE   18,575 0 0
BEMIS INC COMMON STOCK 081437105 226 5,000 SH   DFND   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 112 743 SH   SOLE   743 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 30 1,127 SH   DFND   1,127 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 1,043 22,055 SH   SOLE   21,705 0 350
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 151 3,200 SH   DFND   3,200 0 0
BIOLIFE SOLUTIONS INC NEW COMMON STOCK 09062W204 0 250 SH   DFND   250 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 33 1,500 SH   SOLE   1,500 0 0
BLACKROCK MUNIHLDGS NY QLTY COM NY TAX EXEMPT 09255C106 54 3,835 SH   SOLE   3,835 0 0
BOEING CO COMMON STOCK 097023105 407 3,134 SH   SOLE   3,134 0 0
BREITBURN ENERGY PARTNERS LP COMMON STOCK 106776107 2 300 SH   DFND   300 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE   200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,006 17,043 SH   SOLE   16,560 0 483
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 708 11,999 SH   DFND   11,999 0 0
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 9 200 SH   DFND   200 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 83 1,100 SH   DFND   1,100 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 7 165 SH   SOLE   165 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 463 6,185 SH   SOLE   6,185 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 34 450 SH   DFND   450 0 0
CVS HEALTH CORP COMMON STOCK 126650100 480 4,980 SH   SOLE   4,730 0 250
CALIFORNIA RESOURCES CORP COMMON STOCK 13057Q107 1 252 SH   SOLE   252 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 785 8,577 SH   SOLE   8,577 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 259 2,825 SH   DFND   2,825 0 0
CELGENE CORP COMMON STOCK 151020104 58 520 SH   SOLE   520 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH   SOLE   100 0 0
CENTURYTEL INC COMMON STOCK 156700106 21 529 SH   SOLE   529 0 0
CHAMBERS STR PPTYS COMMON STOCK 157842105 10 1,266 SH   SOLE   1,266 0 0
CHEVRON CORP COMMON STOCK 166764100 2,903 25,880 SH   SOLE   25,633 0 247
CHEVRON CORP COMMON STOCK 166764100 797 7,109 SH   DFND   7,109 0 0
CHUBB CORP COMMON STOCK 171232101 1,464 14,149 SH   SOLE   13,791 0 358
CHUBB CORP COMMON STOCK 171232101 166 1,607 SH   DFND   1,607 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,790 100,341 SH   SOLE   99,841 0 500
CISCO SYSTEMS INC COMMON STOCK 17275R102 571 20,550 SH   DFND   20,550 0 0
CITIGROUP INC COMMON STOCK 172967424 19 360 SH   SOLE   360 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 12 600 SH   SOLE   600 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY ETF/FIXED INCOME 18383M399 97 3,725 SH   SOLE   3,725 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 44 2,100 SH   SOLE   2,100 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 1,257 59,525 SH   SOLE   50,400 0 9,125
COCA COLA CO COMMON STOCK 191216100 4,110 97,349 SH   SOLE   97,138 0 211
COCA COLA CO COMMON STOCK 191216100 1,092 25,864 SH   DFND   25,864 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 705 10,184 SH   SOLE   10,184 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 549 7,936 SH   DFND   7,936 0 0
COMCAST CORP COMMON STOCK 20030N101 480 8,283 SH   SOLE   8,283 0 0
COMCAST CORP COMMON STOCK 20030N101 36 627 SH   DFND   627 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 22,912 600,889 SH   SOLE   599,739 0 1,150
COMMUNITY BK SYS INC COMMON STOCK 203607106 171 4,478 SH   DFND   4,478 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 2,348 34,003 SH   SOLE   33,611 0 392
CONOCOPHILLIPS COMMON STOCK 20825C104 469 6,792 SH   DFND   6,792 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 524 7,935 SH   SOLE   7,935 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 96 1,460 SH   DFND   1,460 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 176 1,791 SH   SOLE   1,791 0 0
CORNING INC COMMON STOCK 219350105 194 8,444 SH   SOLE   8,444 0 0
CORNING INC COMMON STOCK 219350105 16 690 SH   DFND   690 0 0
COVANCE INC COMMON STOCK 222816100 5 48 SH   SOLE   48 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 2 217 SH   SOLE   217 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 1 100 SH   DFND   100 0 0
CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 1 93 SH   SOLE   93 0 0
CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 1 43 SH   DFND   43 0 0
CUMMINS INC COMMON STOCK 231021106 772 5,355 SH   SOLE   5,170 0 185
CUMMINS INC COMMON STOCK 231021106 245 1,700 SH   DFND   1,700 0 0
DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1,673 45,200 SH   SOLE   45,000 0 200
DARDEN RESTAURANTS INC COMMON STOCK 237194105 122 2,084 SH   SOLE   1,924 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 151 2,580 SH   DFND   2,580 0 0
DEERE & CO COMMON STOCK 244199105 30 339 SH   SOLE   339 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 98 1,600 SH   SOLE   1,600 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 86 1,400 SH   DFND   1,400 0 0
WALT DISNEY CO COMMON STOCK 254687106 1,654 17,564 SH   SOLE   17,314 0 250
WALT DISNEY CO COMMON STOCK 254687106 74 781 SH   DFND   781 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 2,135 27,767 SH   SOLE   27,767 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 877 11,400 SH   DFND   11,400 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 1,333 29,217 SH   SOLE   28,960 0 257
DOW CHEMICAL CO COMMON STOCK 260543103 262 5,743 SH   DFND   5,743 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 698 9,438 SH   SOLE   9,269 0 169
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 178 2,402 SH   DFND   2,402 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 400 4,789 SH   SOLE   4,789 0 0
E M C CORP MASS COMMON STOCK 268648102 860 28,915 SH   SOLE   28,415 0 500
E M C CORP MASS COMMON STOCK 268648102 57 1,934 SH   DFND   1,934 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 314 3,410 SH   SOLE   3,410 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 68 892 SH   SOLE   892 0 0
ELDORADO GOLD CORP NEW FOREIGN EQUITIES 284902103 3 452 SH   DFND   452 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,603 25,975 SH   SOLE   25,675 0 300
EMERSON ELECTRIC CO COMMON STOCK 291011104 113 1,830 SH   DFND   1,830 0 0
ENBRIDGE ENERGY PARTNERS L P COMMON STOCK 29250R106 8 200 SH   DFND   200 0 0
ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 7 100 SH   DFND   100 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 9 100 SH   DFND   100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 217 6,016 SH   SOLE   5,712 0 304
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 7 200 SH   DFND   200 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 36 500 SH   SOLE   500 0 0
EXELON CORP COMMON STOCK 30161N101 1,046 28,218 SH   SOLE   28,218 0 0
EXELON CORP COMMON STOCK 30161N101 302 8,150 SH   DFND   8,150 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 13 150 SH   SOLE   150 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 8 100 SH   DFND   100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,539 70,729 SH   SOLE   70,479 0 250
EXXON MOBIL CORP COMMON STOCK 30231G102 1,504 16,263 SH   DFND   16,263 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 20 250 SH   SOLE   250 0 0
FASTENAL CO COMMON STOCK 311900104 219 4,600 SH   SOLE   4,600 0 0
FASTENAL CO COMMON STOCK 311900104 143 3,000 SH   DFND   3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 53 306 SH   SOLE   306 0 0
FIRST TRUST CONS DISC ETF ETF/EQUITY 33734X101 9 251 SH   SOLE   251 0 0
FLUOR CORP COMMON STOCK 343412102 12 200 SH   DFND   200 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 56 3,590 SH   SOLE   3,590 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 3 200 SH   DFND   200 0 0
FORTUNE BRANDS HOME & SEC INC COMMON STOCK 34964C106 367 8,109 SH   SOLE   8,109 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 6 132 SH   DFND   132 0 0
FREEPORT-MCMORAN COPPER & GO COMMON STOCK 35671D857 4 180 SH   SOLE   180 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 17 2,512 SH   SOLE   2,512 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 5 732 SH   DFND   732 0 0
GSV CAPITAL CORP COMMON STOCK 36191J101 3 300 SH   SOLE   300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 275 2,000 SH   SOLE   2,000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 28 200 SH   DFND   200 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 4,335 171,534 SH   SOLE   171,534 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,123 44,448 SH   DFND   44,448 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,710 32,059 SH   SOLE   31,659 0 400
GENERAL MILLS INC COMMON STOCK 370334104 534 10,020 SH   DFND   10,020 0 0
GENUINE PARTS CO COMMON STOCK 372460105 51 479 SH   SOLE   479 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 17 183 SH   SOLE   183 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 9 100 SH   DFND   100 0 0
GLOBAL HIGH INCOME FUND INC COM MUTUAL FUNDS INTL FIXED INCOME 37933G108 4 500 SH   SOLE   500 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 29 150 SH   SOLE   150 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 51 97 SH   SOLE   97 0 0
GOOGLE INC CL C COMMON STOCK 38259P706 51 97 SH   SOLE   97 0 0
HCP INC COMMON STOCK 40414L109 141 3,192 SH   SOLE   3,192 0 0
HCP INC COMMON STOCK 40414L109 101 2,303 SH   DFND   2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 51 2,000 SH   DFND   2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 56 1,425 SH   SOLE   1,425 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 2 39 SH   SOLE   39 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 22 487 SH   DFND   487 0 0
HANGER INC COMMON STOCK 41043F208 4 200 SH   SOLE   200 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 13 200 SH   SOLE   200 0 0
HERSHEY CO COMMON STOCK 427866108 156 1,500 SH   SOLE   1,500 0 0
HERSHEY CO COMMON STOCK 427866108 104 1,000 SH   DFND   1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 504 4,804 SH   SOLE   4,804 0 0
HOME DEPOT INC COMMON STOCK 437076102 153 1,456 SH   DFND   1,456 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 340 3,398 SH   SOLE   3,398 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 2 14 SH   SOLE   14 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,261 23,871 SH   SOLE   23,621 0 250
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 341 3,600 SH   DFND   3,600 0 0
INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 38 12,000 SH   SOLE   12,000 0 0
INTEL CORP COMMON STOCK 458140100 4,069 112,134 SH   SOLE   111,294 0 840
INTEL CORP COMMON STOCK 458140100 918 25,288 SH   DFND   25,288 0 0
INTEGRYS ENERGY GROUP INC COMMON STOCK 45822P105 11 135 SH   SOLE   135 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9,191 57,286 SH   SOLE   57,161 0 125
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 13,428 83,697 SH   DFND   83,697 0 0
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 294 2,900 SH   SOLE   2,900 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 6 113 SH   SOLE   113 0 0
ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 11 750 SH   SOLE   750 0 0
ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 28 1,872 SH   DFND   1,872 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 264 9,149 SH   SOLE   9,149 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 51 1,750 SH   DFND   1,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 259 4,575 SH   SOLE   4,575 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 493 8,700 SH   DFND   8,700 0 0
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 22 495 SH   SOLE   495 0 0
ISHARES INC MSCI STH AFRCA ETF/INTERNATIONAL EQUITY 464286780 13 200 SH   SOLE   200 0 0
ISHARES TR CORE S&P TTL STK ETF/EQUITY 464287150 6 60 SH   SOLE   60 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 171 2,154 SH   SOLE   2,154 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 109 971 SH   SOLE   971 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 41,379 200,025 SH   SOLE   200,025 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 7,774 70,600 SH   SOLE   69,600 0 1,000
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 923 23,504 SH   SOLE   23,504 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 298 2,494 SH   SOLE   2,325 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 223 1,867 SH   DFND   1,867 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 41 411 SH   SOLE   411 0 0
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 151 1,791 SH   SOLE   1,566 0 225
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 29 343 SH   DFND   343 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,481 24,337 SH   SOLE   24,337 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 891 14,640 SH   DFND   14,640 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 1,959 26,555 SH   SOLE   26,555 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 103 1,400 SH   DFND   1,400 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8,826 60,955 SH   SOLE   59,885 0 1,070
COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 11 110 SH   SOLE   110 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 5,272 50,500 SH   SOLE   46,800 0 3,700
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,661 15,910 SH   DFND   15,910 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 139 870 SH   SOLE   870 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 5,532 57,857 SH   SOLE   53,807 0 4,050
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1,961 20,506 SH   DFND   20,506 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 29 288 SH   SOLE   288 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 6 53 SH   SOLE   53 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 7,699 67,498 SH   SOLE   67,148 0 350
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1,913 16,772 SH   DFND   16,772 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 270 6,275 SH   SOLE   6,275 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 72 2,125 SH   SOLE   2,125 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,760 30,800 SH   SOLE   30,800 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 703 60,000 SH   SOLE   60,000 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 44 400 SH   SOLE   400 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 1,186 11,272 SH   SOLE   8,882 0 2,390
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 23 214 SH   DFND   214 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,637 92,239 SH   SOLE   90,064 0 2,175
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 11 270 SH   DFND   270 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 482 6,295 SH   SOLE   4,195 0 2,100
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 4,006 64,920 SH   SOLE   64,720 0 200
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 9,048 223,570 SH   SOLE   213,945 0 9,625
ISHARES U S ETF TR SHT MAT BD ETF ETF/FIXED INCOME 46431W507 5,281 105,575 SH   SOLE   103,225 0 2,350
ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 23 225 SH   SOLE   225 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 20,901 377,881 SH   SOLE   377,606 0 275
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 48 868 SH   DFND   868 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 8,057 171,355 SH   SOLE   171,155 0 200
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,635 42,101 SH   SOLE   41,751 0 350
JP MORGAN CHASE & CO COMMON STOCK 46625H100 254 4,058 SH   DFND   4,058 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,241 59,685 SH   SOLE   59,371 0 314
JOHNSON & JOHNSON COMMON STOCK 478160104 1,360 13,008 SH   DFND   13,008 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 427 8,825 SH   SOLE   8,825 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 24 500 SH   DFND   500 0 0
KEYCORP NEW COMMON STOCK 493267108 121 8,718 SH   SOLE   8,718 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 38 325 SH   SOLE   325 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 451 3,900 SH   DFND   3,900 0 0
KIMCO REALTY CORP COMMON STOCK 49446R109 64 2,535 SH   SOLE   2,535 0 0
KINDER MORGAN INC DEL COMMON STOCK 49456B101 42 981 SH   SOLE   981 0 0
KINDER MORGAN INC DEL *W EXP 05/25/2017 WARRANTS & RIGHTS 49456B119 1 160 SH   SOLE   160 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 554 8,847 SH   SOLE   8,847 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 159 2,538 SH   DFND   2,538 0 0
LILLY ELI & CO COMMON STOCK 532457108 435 6,305 SH   SOLE   6,305 0 0
LILLY ELI & CO COMMON STOCK 532457108 170 2,466 SH   DFND   2,466 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 166 864 SH   SOLE   864 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 58 300 SH   DFND   300 0 0
LORILLARD INC COMMON STOCK 544147101 19 300 SH   SOLE   300 0 0
LORILLARD INC COMMON STOCK 544147101 25 400 SH   DFND   400 0 0
LOWES COS INC COMMON STOCK 548661107 679 9,865 SH   SOLE   9,465 0 400
LOWES COS INC COMMON STOCK 548661107 11 160 SH   DFND   160 0 0
M & T BANK CORP COMMON STOCK 55261F104 219 1,740 SH   SOLE   1,740 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,005 8,000 SH   DFND   8,000 0 0
MGE ENERGY INC COMMON STOCK 55277P104 11 240 SH   SOLE   240 0 0
MANNATECH INC NEW COMMON STOCK 563771203 1 40 SH   DFND   40 0 0
MARATHON OIL CORP COMMON STOCK 565849106 11 400 SH   SOLE   400 0 0
MARATHON OIL CORP COMMON STOCK 565849106 6 200 SH   DFND   200 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 9 100 SH   DFND   100 0 0
MARKET VECTORS AGRIBUS ETF ETF/EQUITY 57060U605 32 600 SH   SOLE   600 0 0
MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 782 25,350 SH   SOLE   21,425 0 3,925
MASTERCARD INC CL A COMMON STOCK 57636Q104 18 205 SH   SOLE   205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,476 15,755 SH   SOLE   15,367 0 388
MCDONALDS CORP COMMON STOCK 580135101 448 4,780 SH   DFND   4,780 0 0
MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 13 150 SH   SOLE   150 0 0
MCKESSON CORP COMMON STOCK 58155Q103 415 2,000 SH   DFND   2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 15 1,100 SH   DFND   1,100 0 0
MEDTRONIC INC COMMON STOCK 585055106 442 6,128 SH   SOLE   6,128 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 145 4,750 SH   SOLE   4,750 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 92 3,000 SH   DFND   3,000 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,420 60,227 SH   SOLE   59,689 0 538
MERCK & CO INC NEW COMMON STOCK 58933Y105 814 14,341 SH   DFND   14,341 0 0
METLIFE INC COMMON STOCK 59156R108 22 400 SH   DFND   400 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,060 65,886 SH   SOLE   65,111 0 775
MICROSOFT CORP COMMON STOCK 594918104 502 10,815 SH   DFND   10,815 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 409 11,248 SH   SOLE   11,248 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 732 6,131 SH   SOLE   5,931 0 200
MONSANTO CO (NEW) COMMON STOCK 61166W101 72 600 SH   DFND   600 0 0
MORGAN STANLEY NEW COMMON STOCK 617446448 132 3,400 SH   SOLE   3,400 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH   SOLE   23 0 0
NBT BANCORP INC COMMON STOCK 628778102 376 14,330 SH   SOLE   14,330 0 0
NBT BANCORP INC COMMON STOCK 628778102 97 3,691 SH   DFND   3,691 0 0
NATIONAL BK GREECE S A SPN ADR REP 1 SH FOREIGN EQUITIES 633643705 0 20 SH   SOLE   20 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 6 80 SH   SOLE   80 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 70 1,000 SH   DFND   1,000 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 4 50 SH   SOLE   50 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 7 100 SH   DFND   100 0 0
NATURAL RESOURCE PARTNERS LP COMMON STOCK 63900P103 4 400 SH   DFND   400 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 43 2,700 SH   DFND   2,700 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 12 305 SH   SOLE   0 0 305
NEXTERA ENERGY INC COMMON STOCK 65339F101 946 8,900 SH   SOLE   8,700 0 200
NEXTERA ENERGY INC COMMON STOCK 65339F101 420 3,950 SH   DFND   3,950 0 0
NIKE INC CL B COMMON STOCK 654106103 240 2,500 SH   SOLE   2,500 0 0
NIKE INC CL B COMMON STOCK 654106103 67 700 SH   DFND   700 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 12 250 SH   SOLE   250 0 0
NOODLES & COMPANY COMMON STOCK 65540B105 5 200 SH   DFND   200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,340 12,223 SH   SOLE   12,023 0 200
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 186 1,700 SH   DFND   1,700 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 5 400 SH   SOLE   400 0 0
NORTHEAST UTILITIES COMMON STOCK 664397106 16 301 SH   SOLE   301 0 0
NORTHERN TIER ENERGY LP COMMON STOCK 665826103 20 900 SH   DFND   900 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 110 744 SH   SOLE   744 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 44 1,501 SH   SOLE   1,501 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2,844 30,694 SH   SOLE   30,694 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 681 7,350 SH   DFND   7,350 0 0
NUCOR CORP COMMON STOCK 670346105 1,668 34,019 SH   SOLE   33,669 0 350
NUCOR CORP COMMON STOCK 670346105 152 3,107 SH   DFND   3,107 0 0
NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 44 4,486 SH   SOLE   4,486 0 0
OGE ENERGY CORP COMMON STOCK 670837103 255 7,200 SH   SOLE   7,200 0 0
OGE ENERGY CORP COMMON STOCK 670837103 33 930 SH   DFND   930 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 101 1,255 SH   SOLE   1,255 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 16 400 SH   SOLE   400 0 0
ORACLE CORP COMMON STOCK 68389X105 422 9,392 SH   SOLE   9,392 0 0
ORACLE CORP COMMON STOCK 68389X105 22 500 SH   DFND   500 0 0
ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 17 1,000 SH   DFND   1,000 0 0
PDL BIOPHARMA INC COMMON STOCK 69329Y104 31 4,000 SH   DFND   4,000 0 0
PG&E CORP COMMON STOCK 69331C108 125 2,356 SH   SOLE   2,171 0 185
PG&E CORP COMMON STOCK 69331C108 128 2,407 SH   DFND   2,407 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 302 1,307 SH   SOLE   1,307 0 0
PPL CORP COMMON STOCK 69351T106 381 10,489 SH   SOLE   10,489 0 0
PPL CORP COMMON STOCK 69351T106 7 200 SH   DFND   200 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 13 100 SH   SOLE   100 0 0
PAYCHEX INC COMMON STOCK 704326107 6 135 SH   SOLE   135 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 167 3,370 SH   SOLE   3,370 0 0
PEPSICO INC COMMON STOCK 713448108 4,098 43,338 SH   SOLE   42,976 0 362
PEPSICO INC COMMON STOCK 713448108 972 10,276 SH   DFND   10,276 0 0
PFIZER INC COMMON STOCK 717081103 2,598 83,444 SH   SOLE   83,116 0 328
PFIZER INC COMMON STOCK 717081103 461 14,791 SH   DFND   14,791 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 452 5,555 SH   SOLE   5,555 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 33 400 SH   DFND   400 0 0
PHILLIPS 66 COMMON STOCK 718546104 234 3,262 SH   SOLE   3,262 0 0
PHILLIPS 66 COMMON STOCK 718546104 255 3,557 SH   DFND   3,557 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 421 4,163 SH   SOLE   2,417 0 1,746
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 399 3,944 SH   DFND   3,944 0 0
PIMCO DYNAMIC INCOME FD SHS ETF/FIXED INCOME 72201Y101 15 500 SH   SOLE   500 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 265 3,875 SH   SOLE   3,875 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 31 600 SH   SOLE   600 0 0
POLARIS INDS INC COMMON STOCK 731068102 15 100 SH   SOLE   100 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 1,120 31,711 SH   SOLE   31,211 0 500
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 188 5,325 SH   DFND   5,325 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 9 500 SH   SOLE   500 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 37 2,000 SH   DFND   2,000 0 0
POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH   SOLE   50 0 0
POWERSHS DB US DOLLAR INDEX DOLL INDX BULL ETF/OTHER 73936D107 1,438 60,000 SH   SOLE   60,000 0 0
POWERSHARES DWA DEV MARKET MOM PORT ETF ETF/INTERNATIONAL EQUITY 73936Q108 5 226 SH   SOLE   226 0 0
POWERSHARES GLOBAL ETF TRUSTDEV MKTS EX-US ETF/INTERNATIONAL EQUITY 73936T789 1,369 34,650 SH   SOLE   34,450 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 15 170 SH   SOLE   170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 5,252 57,662 SH   SOLE   57,295 0 367
PROCTER & GAMBLE CO COMMON STOCK 742718109 813 8,920 SH   DFND   8,920 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 204 SH   SOLE   204 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2,628 63,488 SH   SOLE   62,988 0 500
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 903 21,806 SH   DFND   21,806 0 0
QUALCOMM INC COMMON STOCK 747525103 475 6,397 SH   SOLE   6,397 0 0
QUALCOMM INC COMMON STOCK 747525103 112 1,510 SH   DFND   1,510 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102 5 180 SH   SOLE   180 0 0
RANGE RESOURCES CORP COMMON STOCK 75281A109 7 125 SH   SOLE   125 0 0
RAYTHEON CO NEW COMMON STOCK 755111507 27 250 SH   SOLE   250 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 16 250 SH   DFND   250 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 304 6,604 SH   SOLE   6,604 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 12 250 SH   DFND   250 0 0
RITE AID CORP COMMON STOCK 767754104 38 5,000 SH   SOLE   5,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 178 1,600 SH   SOLE   1,600 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 215 2,550 SH   SOLE   2,550 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 69 1,000 SH   DFND   1,000 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 535 7,997 SH   SOLE   7,997 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 13 200 SH   DFND   200 0 0
ROYAL GOLD INC COMMON STOCK 780287108 4 63 SH   DFND   63 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4,600 22,382 SH   SOLE   22,382 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 503 2,446 SH   DFND   2,446 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 26 225 SH   SOLE   225 0 0
SPDR INDEX SHS FDS S&P EM MKT DIV ETF/INTERNATIONAL EQUITY 78463X533 126 3,700 SH   SOLE   3,700 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 77 1,825 SH   SOLE   1,825 0 0
SPDR INDEX SHS FDS MACQU GLBIN100 ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH   SOLE   50 0 0
SPDR BARCLAYS CONVERTIBLE SECURITIES ETF ETF/OTHER 78464A359 40 860 SH   SOLE   860 0 0
SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 51 1,500 SH   SOLE   1,500 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 110 2,850 SH   SOLE   2,850 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 37 950 SH   DFND   950 0 0
SPDR SERIES TRUST BARC CAPTL ETF ETF/FIXED INCOME 78464A474 177 5,800 SH   SOLE   4,300 0 1,500
SPDR SERIES TRUST DB INT GVT ETF ETF/FIXED INCOME 78464A490 46 800 SH   SOLE   800 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 3,550 13,450 SH   SOLE   13,450 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,078 7,871 SH   DFND   7,871 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 543 18,800 SH   SOLE   18,800 0 0
SABINE ROYALTY TR UNIT BEN INT COMMON STOCK 785688102 7 200 SH   SOLE   200 0 0
SAPIENT CORP COMMON STOCK 803062108 3 103 SH   SOLE   103 0 0
SCANA CORP NEW COMMON STOCK 80589M102 87 1,446 SH   SOLE   1,446 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,036 12,126 SH   SOLE   11,926 0 200
SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 726 14,800 SH   SOLE   11,475 0 3,325
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 423 7,682 SH   SOLE   7,682 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 31 556 SH   DFND   556 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 5 100 SH   SOLE   100 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 969 14,175 SH   SOLE   14,175 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITY 81369Y308 1,828 37,700 SH   SOLE   37,700 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 2,392 30,225 SH   SOLE   28,750 0 1,475
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 1,214 49,125 SH   SOLE   45,550 0 3,575
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 524 12,675 SH   SOLE   12,675 0 0
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 283 6,844 SH   DFND   6,844 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 74 1,575 SH   SOLE   1,575 0 0
SEMPRA ENERGY COMMON STOCK 816851109 2,091 18,780 SH   SOLE   18,530 0 250
SEMPRA ENERGY COMMON STOCK 816851109 401 3,600 SH   DFND   3,600 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 224 1,630 SH   SOLE   1,630 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 11 540 SH   DFND   540 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 74 1,700 SH   SOLE   1,700 0 0
SOUTHERN CO COMMON STOCK 842587107 366 7,458 SH   SOLE   7,458 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 131 3,604 SH   SOLE   3,326 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 130 3,570 SH   DFND   3,570 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 96 1,000 SH   SOLE   1,000 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 192 2,000 SH   DFND   2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 98 1,190 SH   SOLE   1,190 0 0
STATE STREET CORP COMMON STOCK 857477103 188 2,395 SH   SOLE   2,395 0 0
STRYKER CORP COMMON STOCK 863667101 389 4,127 SH   SOLE   3,877 0 250
STRYKER CORP COMMON STOCK 863667101 57 600 SH   DFND   600 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 1 23 SH   SOLE   23 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 0 10 SH   DFND   10 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 79 2,500 SH   SOLE   2,500 0 0
SYMANTEC CORP COMMON STOCK 871503108 6 250 SH   SOLE   250 0 0
SYSCO CORP COMMON STOCK 871829107 1,447 36,475 SH   SOLE   35,975 0 500
SYSCO CORP COMMON STOCK 871829107 381 9,600 SH   DFND   9,600 0 0
TECO ENERGY INC COMMON STOCK 872375100 61 2,955 SH   SOLE   2,955 0 0
TARGET CORP COMMON STOCK 87612E106 547 7,208 SH   SOLE   7,208 0 0
TARGET CORP COMMON STOCK 87612E106 23 300 SH   DFND   300 0 0
TELEFONICA S A SPONSORED ADR FOREIGN EQUITIES 879382208 4 316 SH   DFND   316 0 0
TEMPLETON EMERG MKTS INCOME COM MUTUAL FUNDS INTL FIXED INCOME 880192109 3 250 SH   DFND   250 0 0
TENARIS S A SPONSORED ADR FOREIGN EQUITIES 88031M109 45 1,500 SH   SOLE   1,500 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 12 200 SH   SOLE   200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 12 200 SH   DFND   200 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 854 15,970 SH   SOLE   15,570 0 400
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 118 2,200 SH   DFND   2,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 23 180 SH   SOLE   180 0 0
3M COMPANY COMMON STOCK 88579Y101 4,750 28,906 SH   SOLE   28,906 0 0
3M COMPANY COMMON STOCK 88579Y101 778 4,735 SH   DFND   4,735 0 0
TIME WARNER INC NEW COMMON STOCK 887317303 16 188 SH   SOLE   188 0 0
TOMPKINS TRUST CO INC COMMON STOCK 890110109 185 3,341 SH   SOLE   3,341 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 302 5,900 SH   SOLE   5,900 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 118 2,300 SH   DFND   2,300 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 25 200 SH   SOLE   200 0 0
TRI CONTL CORP COM MUTUAL FUND EQUITIES 895436103 171 8,000 SH   SOLE   8,000 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 6 842 SH   DFND   842 0 0
UIL HOLDINGS CORP COMMON STOCK 902748102 30 698 SH   SOLE   698 0 0
US BANCORP DEL NEW COMMON STOCK 902973304 1,300 28,931 SH   SOLE   28,192 0 739
US BANCORP DEL NEW COMMON STOCK 902973304 167 3,707 SH   DFND   3,707 0 0
UNILEVER PLC SPON ADR NEW FOREIGN EQUITIES 904767704 4 100 SH   DFND   100 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 36 300 SH   DFND   300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,531 13,770 SH   SOLE   13,674 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 207 1,858 SH   DFND   1,858 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,966 25,790 SH   SOLE   25,504 0 286
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 548 4,765 SH   DFND   4,765 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,033 10,215 SH   SOLE   9,965 0 250
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 20 200 SH   DFND   200 0 0
URBAN OUTFITTERS INC COMMON STOCK 917047102 3 80 SH   SOLE   80 0 0
V F CORP COMMON STOCK 918204108 353 4,711 SH   SOLE   4,411 0 300
V F CORP COMMON STOCK 918204108 7 100 SH   DFND   100 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 41 821 SH   SOLE   821 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 738 9,094 SH   SOLE   9,094 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 562 6,928 SH   DFND   6,928 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 2,720 34,027 SH   SOLE   32,007 0 2,020
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 222 2,772 SH   DFND   2,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 2,023 24,564 SH   SOLE   23,669 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 794 9,639 SH   DFND   9,639 0 0
VANGUARD HIGH DIVIDEND YIELDETF ETF/EQUITY 921946406 17 250 SH   SOLE   250 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 6,219 117,100 SH   SOLE   116,825 0 275
VANGUARD WORLD FDS CONSUM STP ETF ETF/EQUITY 92204A207 25 200 SH   SOLE   200 0 0
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 6 50 SH   SOLE   50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 804 16,170 SH   SOLE   16,170 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 273 5,500 SH   DFND   5,500 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 470 4,400 SH   DFND   4,400 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 345 3,375 SH   SOLE   3,375 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 31 300 SH   DFND   300 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 706 17,639 SH   SOLE   17,639 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 160 4,008 SH   DFND   4,008 0 0
VANGUARD INTL EQUITY INDEX FMEGA CAP GRO ETF ETF/INTERNATIONAL EQUITY 922042866 3 50 SH   SOLE   50 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 3,884 48,775 SH   SOLE   48,775 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 598 7,512 SH   DFND   7,512 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 79 775 SH   SOLE   775 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 2,092 25,825 SH   SOLE   25,825 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 21 200 SH   SOLE   200 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 162 1,309 SH   SOLE   1,309 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 204 1,750 SH   SOLE   1,750 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,498 96,179 SH   SOLE   95,596 0 583
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,022 21,857 SH   DFND   21,857 0 0
VIACOM INC NEW CL B COMMON STOCK 92553P201 19 250 SH   SOLE   250 0 0
VISA INC CL A COMMON STOCK 92826C839 216 825 SH   SOLE   825 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 10 291 SH   SOLE   291 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 5 161 SH   DFND   161 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 262 4,800 SH   SOLE   4,800 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,592 30,184 SH   SOLE   30,072 0 112
WAL MART STORES INC COMMON STOCK 931142103 586 6,828 SH   DFND   6,828 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 21 400 SH   SOLE   400 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 24 475 SH   DFND   475 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,452 26,492 SH   SOLE   26,142 0 350
WELLS FARGO & CO NEW COMMON STOCK 949746101 62 1,130 SH   DFND   1,130 0 0
WHITEWAVE FOODS CO COMMON STOCK 966244105 5 150 SH   SOLE   150 0 0
WILLIAMS COS INC DEL COMMON STOCK 969457100 9 200 SH   SOLE   200 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 191 3,630 SH   SOLE   3,630 0 0
WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 1,017 16,520 SH   SOLE   16,520 0 0
WISDOMTREE EMERGING MKTS SMALLCAP DIV ETF ETF/INTERNATIONAL EQUITY 97717W281 479 11,100 SH   DFND   11,100 0 0
WISDOMTREE TR BLMBG US BULL ETF/FIXED INCOME 97717W471 1,956 72,275 SH   SOLE   69,200 0 3,075
YAHOO INC COMMON STOCK 984332106 30 600 SH   DFND   600 0 0
YAMANA GOLD INC FOREIGN EQUITIES 98462Y100 0 100 SH   DFND   100 0 0
YOU ON DEMAND HOLDINGS INC COMMON STOCK 98741R207 0 200 SH   SOLE   200 0 0
YUM BRANDS INC COMMON STOCK 988498101 7 100 SH   SOLE   100 0 0