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 112 1,660 SH   SOLE 0 1,660 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 624 8,415 SH   SOLE 0 8,415 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 316 20,510 SH   SOLE 0 20,510 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 18 1,200 SH   DFND 0 1,200 0 0
XL GROUP PLC FOREIGN EQUITIES G98290102 16 440 SH   SOLE 0 440 0 0
AFLAC INC COMMON STOCK 001055102 12 200 SH   SOLE 0 200 0 0
AGL RESOURCES INC COMMON STOCK 001204106 12 251 SH   SOLE 0 251 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 91 2,475 SH   SOLE 0 2,475 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 345 22,199 SH   SOLE 0 22,199 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 200 12,871 SH   DFND 0 12,871 0 0
AT&T INC COMMON STOCK 00206R102 5,439 153,133 SH   SOLE 0 152,633 0 500
AT&T INC COMMON STOCK 00206R102 1,224 34,446 SH   DFND 0 34,446 0 0
ABBOTT LABS COMMON STOCK 002824100 1,933 39,385 SH   SOLE 0 39,085 0 300
ABBOTT LABS COMMON STOCK 002824100 214 4,355 SH   DFND 0 4,355 0 0
ABBVIE INC COMMON STOCK 00287Y109 3,223 47,967 SH   SOLE 0 47,967 0 0
ABBVIE INC COMMON STOCK 00287Y109 436 6,490 SH   DFND 0 6,490 0 0
AETNA INC NEW COMMON STOCK 00817Y108 64 500 SH   DFND 0 500 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 270 1,975 SH   SOLE 0 1,975 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 27 200 SH   DFND 0 200 0 0
ALCOA INC COMMON STOCK 013817101 32 2,884 SH   SOLE 0 2,884 0 0
ALCOA INC COMMON STOCK 013817101 45 4,000 SH   DFND 0 4,000 0 0
ALEXION PHARMACEUTICALS INC COM COMMON STOCK 015351109 3 17 SH   SOLE 0 17 0 0
ALIBABA GROUP HLD FOREIGN EQUITIES 01609W102 8 100 SH   DFND 0 100 0 0
ALLIANCEBERNSTEIN INCOME FUNCOM INCOME 01881E101 5 694 SH   SOLE 0 694 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 583 11,932 SH   SOLE 0 11,932 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 56 1,150 SH   DFND 0 1,150 0 0
AMAZON.COM INC COMMON STOCK 023135106 11 25 SH   SOLE 0 25 0 0
AMEREN CORP COMMON STOCK 023608102 31 824 SH   SOLE 0 824 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 226 4,259 SH   SOLE 0 4,259 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 128 2,419 SH   DFND 0 2,419 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 576 7,405 SH   SOLE 0 7,405 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 41 525 SH   DFND 0 525 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 4 SH   SOLE 0 4 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERIGAS PARTNERS LP COMMON STOCK 030975106 37 800 SH   DFND 0 800 0 0
AMGEN INC COMMON STOCK 031162100 660 4,300 SH   SOLE 0 4,300 0 0
AMGEN INC COMMON STOCK 031162100 322 2,100 SH   DFND 0 2,100 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 47 600 SH   SOLE 0 600 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 19 300 SH   SOLE 0 300 0 0
ANTHEM INC COMMON STOCK 036752103 484 2,950 SH   SOLE 0 2,950 0 0
APACHE CORP COMMON STOCK 037411105 618 10,720 SH   SOLE 0 10,720 0 0
APACHE CORP COMMON STOCK 037411105 10 180 SH   DFND 0 180 0 0
APPLE INC COMMON STOCK 037833100 11,195 89,260 SH   SOLE 0 89,260 0 0
APPLE INC COMMON STOCK 037833100 207 1,652 SH   DFND 0 1,652 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 20 1,048 SH   SOLE 0 1,048 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 4 150 SH   SOLE 0 150 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 164 6,081 SH   DFND 0 6,081 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 46 3,300 SH   SOLE 0 3,300 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,466 18,275 SH   SOLE 0 18,135 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 368 4,582 SH   DFND 0 4,582 0 0
BB&T CORP COMMON STOCK 054937107 47 1,175 SH   SOLE 0 1,175 0 0
BB&T CORP COMMON STOCK 054937107 8 200 SH   DFND 0 200 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 4 100 SH   DFND 0 100 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 102 6,010 SH   SOLE 0 6,010 0 0
BANK OF MONTREAL FOREIGN EQUITIES 063671101 6 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 222 5,301 SH   SOLE 0 5,301 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 340 13,100 SH   SOLE 0 13,100 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 44 1,700 SH   DFND 0 1,700 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 35 500 SH   SOLE 0 500 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 386 2,725 SH   SOLE 0 2,725 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 227 1,600 SH   DFND 0 1,600 0 0
BEMIS INC COMMON STOCK 081437105 718 15,950 SH   SOLE 0 15,950 0 0
BEMIS INC COMMON STOCK 081437105 225 5,000 SH   DFND 0 5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 88 643 SH   SOLE 0 643 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 32 1,127 SH   DFND 0 1,127 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 1,026 25,210 SH   SOLE 0 24,860 0 350
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 153 3,750 SH   DFND 0 3,750 0 0
BIOLIFE SOLUTIONS INC NEW COMMON STOCK 09062W204 0 250 SH   DFND 0 250 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 30 1,500 SH   SOLE 0 1,500 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 52 3,835 SH   SOLE 0 3,835 0 0
BOEING CO COMMON STOCK 097023105 435 3,134 SH   SOLE 0 3,134 0 0
BREITBURN ENERGY PARTNERS LP COMMON STOCK 106776107 1 300 SH   DFND 0 300 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,166 17,528 SH   SOLE 0 17,045 0 483
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 798 11,999 SH   DFND 0 11,999 0 0
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 10 200 SH   DFND 0 200 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 87 1,175 SH   DFND 0 1,175 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 9 165 SH   SOLE 0 165 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 546 8,760 SH   SOLE 0 8,610 0 150
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 28 450 SH   DFND 0 450 0 0
CVS HEALTH CORP COMMON STOCK 126650100 465 4,430 SH   SOLE 0 4,180 0 250
CAESARS ACQUISITION CO CL A COMMON STOCK 12768T103 14 2,000 SH   SOLE 0 2,000 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 868 10,237 SH   SOLE 0 10,237 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 261 3,075 SH   DFND 0 3,075 0 0
CELGENE CORP COMMON STOCK 151020104 60 520 SH   SOLE 0 520 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH   SOLE 0 100 0 0
CENTURYTEL INC COMMON STOCK 156700106 16 529 SH   SOLE 0 529 0 0
CENTURYTEL INC COMMON STOCK 156700106 3 100 SH   DFND 0 100 0 0
CHAMBERS STR PPTYS COMMON STOCK 157842105 10 1,266 SH   SOLE 0 1,266 0 0
CHEVRON CORP COMMON STOCK 166764100 2,538 26,312 SH   SOLE 0 26,065 0 247
CHEVRON CORP COMMON STOCK 166764100 671 6,959 SH   DFND 0 6,959 0 0
CHUBB CORP COMMON STOCK 171232101 1,346 14,149 SH   SOLE 0 13,791 0 358
CHUBB CORP COMMON STOCK 171232101 153 1,607 SH   DFND 0 1,607 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,900 105,641 SH   SOLE 0 105,141 0 500
CISCO SYSTEMS INC COMMON STOCK 17275R102 586 21,350 SH   DFND 0 21,350 0 0
CITIGROUP INC COMMON STOCK 172967424 12 210 SH   SOLE 0 210 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 14 700 SH   SOLE 0 700 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY ETF/FIXED INCOME 18383M399 98 3,725 SH   SOLE 0 3,725 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 15 700 SH   SOLE 0 700 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 1,206 56,775 SH   SOLE 0 47,650 0 9,125
COCA COLA CO COMMON STOCK 191216100 3,907 99,615 SH   SOLE 0 99,404 0 211
COCA COLA CO COMMON STOCK 191216100 1,014 25,864 SH   DFND 0 25,864 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 535 8,184 SH   SOLE 0 8,184 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 519 7,936 SH   DFND 0 7,936 0 0
COMCAST CORP COMMON STOCK 20030N101 609 10,133 SH   SOLE 0 10,133 0 0
COMCAST CORP COMMON STOCK 20030N101 66 1,104 SH   DFND 0 1,104 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 3,584 94,900 SH   SOLE 0 94,900 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 869 23,018 SH   DFND 0 23,018 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 2,273 37,019 SH   SOLE 0 36,627 0 392
CONOCOPHILLIPS COMMON STOCK 20825C104 423 6,892 SH   DFND 0 6,892 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 453 7,835 SH   SOLE 0 7,835 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 125 2,160 SH   DFND 0 2,160 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 151 1,300 SH   SOLE 0 1,300 0 0
CORNING INC COMMON STOCK 219350105 160 8,120 SH   SOLE 0 8,120 0 0
CORNING INC COMMON STOCK 219350105 14 690 SH   DFND 0 690 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344109 1 217 SH   SOLE 0 217 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344109 0 100 SH   DFND 0 100 0 0
CRESTWOOD MIDSTREAM PARTNERSLP COMMON STOCK 226378107 1 93 SH   SOLE 0 93 0 0
CRESTWOOD MIDSTREAM PARTNERSLP COMMON STOCK 226378107 0 43 SH   DFND 0 43 0 0
CUMMINS INC COMMON STOCK 231021106 915 6,974 SH   SOLE 0 6,789 0 185
CUMMINS INC COMMON STOCK 231021106 241 1,835 SH   DFND 0 1,835 0 0
DBX ETF TR XTRAK MSCI EAFE ETF/INTERNATIONAL EQUITY 233051200 165 5,775 SH   SOLE 0 5,775 0 0
DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1,885 45,125 SH   SOLE 0 44,925 0 200
DARDEN RESTAURANTS INC COMMON STOCK 237194105 148 2,084 SH   SOLE 0 1,924 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 183 2,580 SH   DFND 0 2,580 0 0
DEERE & CO COMMON STOCK 244199105 33 339 SH   SOLE 0 339 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 89 1,500 SH   SOLE 0 1,500 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 83 1,400 SH   DFND 0 1,400 0 0
DEX MEDIA INC NEW COM COMMON STOCK 25213A107 0 220 SH   SOLE 0 220 0 0
WALT DISNEY CO COMMON STOCK 254687106 1,954 17,117 SH   SOLE 0 16,867 0 250
WALT DISNEY CO COMMON STOCK 254687106 89 781 SH   DFND 0 781 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 1,842 27,557 SH   SOLE 0 27,557 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 776 11,600 SH   DFND 0 11,600 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 2,050 40,072 SH   SOLE 0 39,815 0 257
DOW CHEMICAL CO COMMON STOCK 260543103 340 6,643 SH   DFND 0 6,643 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 592 9,263 SH   SOLE 0 9,094 0 169
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 154 2,402 SH   DFND 0 2,402 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 305 4,314 SH   SOLE 0 4,314 0 0
E M C CORP MASS COMMON STOCK 268648102 1,309 49,615 SH   SOLE 0 49,115 0 500
E M C CORP MASS COMMON STOCK 268648102 91 3,459 SH   DFND 0 3,459 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 299 3,410 SH   SOLE 0 3,410 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 73 892 SH   SOLE 0 892 0 0
ELDORADO GOLD CORP NEW FOREIGN EQUITIES 284902103 2 452 SH   DFND 0 452 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,635 29,500 SH   SOLE 0 29,200 0 300
EMERSON ELECTRIC CO COMMON STOCK 291011104 124 2,240 SH   DFND 0 2,240 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON STOCK 29250R106 7 200 SH   DFND 0 200 0 0
ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 5 100 SH   DFND 0 100 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 7 100 SH   DFND 0 100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 180 6,016 SH   SOLE 0 5,712 0 304
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 6 200 SH   DFND 0 200 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 35 500 SH   SOLE 0 500 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 14 301 SH   SOLE 0 301 0 0
EXELON CORP COMMON STOCK 30161N101 965 30,718 SH   SOLE 0 30,718 0 0
EXELON CORP COMMON STOCK 30161N101 269 8,575 SH   DFND 0 8,575 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 13 150 SH   SOLE 0 150 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 9 100 SH   DFND 0 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,157 74,008 SH   SOLE 0 73,758 0 250
EXXON MOBIL CORP COMMON STOCK 30231G102 1,322 15,888 SH   DFND 0 15,888 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 30 350 SH   SOLE 0 350 0 0
FASTENAL CO COMMON STOCK 311900104 190 4,500 SH   SOLE 0 4,500 0 0
FASTENAL CO COMMON STOCK 311900104 127 3,000 SH   DFND 0 3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 52 306 SH   SOLE 0 306 0 0
FIRST NIAGARA FINL GP INC COMMON STOCK 33582V108 9 1,000 SH   SOLE 0 1,000 0 0
FIRST TRUST CONS DISC ETF ETF/EQUITY 33734X101 9 251 SH   SOLE 0 251 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 51 3,390 SH   SOLE 0 3,390 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 3 200 SH   DFND 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 6 132 SH   DFND 0 132 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 14 2,760 SH   SOLE 0 2,760 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 4 732 SH   DFND 0 732 0 0
GSV CAPITAL CORP COMMON STOCK 36191J101 3 300 SH   SOLE 0 300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 269 1,900 SH   SOLE 0 1,900 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 28 200 SH   DFND 0 200 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 4,735 178,264 SH   SOLE 0 178,264 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,207 45,448 SH   DFND 0 45,448 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,653 29,659 SH   SOLE 0 29,259 0 400
GENERAL MILLS INC COMMON STOCK 370334104 547 9,820 SH   DFND 0 9,820 0 0
GENUINE PARTS CO COMMON STOCK 372460105 43 479 SH   SOLE 0 479 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 23 200 SH   SOLE 0 200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 31 150 SH   SOLE 0 150 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 52 97 SH   SOLE 0 97 0 0
GOOGLE INC CL C COMMON STOCK 38259P706 37 72 SH   SOLE 0 72 0 0
HCP INC COMMON STOCK 40414L109 116 3,192 SH   SOLE 0 3,192 0 0
HCP INC COMMON STOCK 40414L109 84 2,303 SH   DFND 0 2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 50 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 59 1,375 SH   SOLE 0 1,375 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 0 12 SH   SOLE 0 12 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 11 200 SH   SOLE 0 200 0 0
HERSHEY CO COMMON STOCK 427866108 133 1,500 SH   SOLE 0 1,500 0 0
HERSHEY CO COMMON STOCK 427866108 89 1,000 SH   DFND 0 1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 534 4,804 SH   SOLE 0 4,804 0 0
HOME DEPOT INC COMMON STOCK 437076102 162 1,456 SH   DFND 0 1,456 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 322 3,160 SH   SOLE 0 3,160 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 2 14 SH   SOLE 0 14 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,073 22,583 SH   SOLE 0 22,333 0 250
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 330 3,600 SH   DFND 0 3,600 0 0
INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 38 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 3,588 118,004 SH   SOLE 0 117,164 0 840
INTEL CORP COMMON STOCK 458140100 779 25,613 SH   DFND 0 25,613 0 0
INSYS THERAPEUTICS INC COMMON STOCK 45824V209 36 1,000 SH   SOLE 0 1,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 8,884 54,619 SH   SOLE 0 54,494 0 125
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 13,565 83,392 SH   DFND 0 83,392 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 5 113 SH   SOLE 0 113 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 11 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 28 1,872 SH   DFND 0 1,872 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 242 9,084 SH   SOLE 0 9,084 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 47 1,750 SH   DFND 0 1,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 4,017 69,650 SH   SOLE 0 69,550 0 100
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 502 8,700 SH   DFND 0 8,700 0 0
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 21 495 SH   SOLE 0 495 0 0
ISHARES TR CORE S&P TTL STK ETF/EQUITY 464287150 6 60 SH   SOLE 0 60 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 139 1,854 SH   SOLE 0 1,854 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 109 971 SH   SOLE 0 971 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 30,876 149,000 SH   SOLE 0 149,000 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 3,715 34,150 SH   SOLE 0 33,150 0 1,000
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 931 23,504 SH   SOLE 0 23,504 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 284 2,454 SH   SOLE 0 2,285 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 216 1,867 SH   DFND 0 1,867 0 0
ISHARES S&P 500 GROWTH ETF/EQUITY 464287309 6 50 SH   SOLE 0 50 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 39 361 SH   SOLE 0 361 0 0
ISHARES S&P 500 VALUE ETF/EQUITY 464287408 5 50 SH   SOLE 0 50 0 0
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 133 1,566 SH   SOLE 0 1,566 0 0
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 29 343 SH   DFND 0 343 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,505 23,697 SH   SOLE 0 23,697 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 929 14,640 SH   DFND 0 14,640 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 2,145 29,080 SH   SOLE 0 29,080 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 96 1,300 SH   DFND 0 1,300 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 9,285 61,910 SH   SOLE 0 60,840 0 1,070
COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 10 110 SH   SOLE 0 110 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4,663 45,205 SH   SOLE 0 41,680 0 3,525
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,641 15,910 SH   DFND 0 15,910 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 147 870 SH   SOLE 0 870 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 6,050 61,110 SH   SOLE 0 57,060 0 4,050
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1,981 20,006 SH   DFND 0 20,006 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 7 53 SH   SOLE 0 53 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 8,670 73,549 SH   SOLE 0 72,449 0 1,100
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1,946 16,512 SH   DFND 0 16,512 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 265 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SM CAP ETF ETF/INTERNATIONAL EQUITY 464288273 148 2,900 SH   SOLE 0 2,900 0 0
ISHARES NAT AMT FREE BD ETF/EQUITY 464288414 54 500 SH   SOLE 0 500 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 48 1,500 SH   SOLE 0 1,500 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,735 30,800 SH   SOLE 0 30,800 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 635 60,000 SH   SOLE 0 60,000 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 5 50 SH   SOLE 0 50 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 629 5,974 SH   SOLE 0 3,774 0 2,200
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 23 214 SH   DFND 0 214 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,086 78,799 SH   SOLE 0 78,799 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 11 270 SH   DFND 0 270 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 408 5,545 SH   SOLE 0 3,445 0 2,100
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 7,019 107,500 SH   SOLE 0 107,350 0 150
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 10,070 249,815 SH   SOLE 0 240,190 0 9,625
ISHARES U S ETF TR SHT MAT BD ETF ETF/FIXED INCOME 46431W507 108 2,150 SH   SOLE 0 0 0 2,150
ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 23 225 SH   SOLE 0 225 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 22,193 380,727 SH   SOLE 0 380,527 0 200
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 56 968 SH   DFND 0 968 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 7,904 164,530 SH   SOLE 0 164,330 0 200
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,931 43,251 SH   SOLE 0 42,751 0 500
JP MORGAN CHASE & CO COMMON STOCK 46625H100 293 4,328 SH   DFND 0 4,328 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5,840 59,920 SH   SOLE 0 59,606 0 314
JOHNSON & JOHNSON COMMON STOCK 478160104 1,264 12,968 SH   DFND 0 12,968 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 358 7,225 SH   SOLE 0 7,225 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 25 500 SH   DFND 0 500 0 0
KEYCORP NEW COMMON STOCK 493267108 181 12,075 SH   SOLE 0 12,075 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 34 325 SH   SOLE 0 325 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 381 3,600 SH   DFND 0 3,600 0 0
KIMCO REALTY CORP COMMON STOCK 49446R109 57 2,535 SH   SOLE 0 2,535 0 0
KINDER MORGAN INC DEL COMMON STOCK 49456B101 38 981 SH   SOLE 0 981 0 0
KINDER MORGAN INC DEL *W EXP 05/25/2017 WARRANTS & RIGHTS 49456B119 0 160 SH   SOLE 0 160 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 742 8,720 SH   SOLE 0 8,720 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 207 2,428 SH   DFND 0 2,428 0 0
LABORATORY CORP AMER HLDGS COM NEW COMMON STOCK 50540R409 1 12 SH   SOLE 0 12 0 0
LILLY ELI & CO COMMON STOCK 532457108 129 1,543 SH   SOLE 0 1,543 0 0
LILLY ELI & CO COMMON STOCK 532457108 93 1,116 SH   DFND 0 1,116 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 161 864 SH   SOLE 0 864 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 56 300 SH   DFND 0 300 0 0
LOWES COS INC COMMON STOCK 548661107 669 9,995 SH   SOLE 0 9,595 0 400
LOWES COS INC COMMON STOCK 548661107 11 160 SH   DFND 0 160 0 0
M & T BANK CORP COMMON STOCK 55261F104 217 1,740 SH   SOLE 0 1,740 0 0
M & T BANK CORP COMMON STOCK 55261F104 999 8,000 SH   DFND 0 8,000 0 0
MGE ENERGY INC COMMON STOCK 55277P104 9 240 SH   SOLE 0 240 0 0
MANNATECH INC NEW COMMON STOCK 563771203 1 40 SH   DFND 0 40 0 0
MARATHON OIL CORP COMMON STOCK 565849106 16 600 SH   SOLE 0 600 0 0
MARATHON OIL CORP COMMON STOCK 565849106 5 200 SH   DFND 0 200 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 10 200 SH   SOLE 0 200 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 10 200 SH   DFND 0 200 0 0
MARKET VECTORS AGRIBUS ETF ETF/EQUITY 57060U605 33 600 SH   SOLE 0 600 0 0
MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 45 1,500 SH   SOLE 0 1,500 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 19 205 SH   SOLE 0 205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,615 16,990 SH   SOLE 0 16,602 0 388
MCDONALDS CORP COMMON STOCK 580135101 460 4,835 SH   DFND 0 4,835 0 0
MCKESSON CORP COMMON STOCK 58155Q103 450 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 14 1,100 SH   DFND 0 1,100 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 157 4,750 SH   SOLE 0 4,750 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 99 3,000 SH   DFND 0 3,000 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 4,013 70,485 SH   SOLE 0 69,947 0 538
MERCK & CO INC NEW COMMON STOCK 58933Y105 840 14,761 SH   DFND 0 14,761 0 0
METLIFE INC COMMON STOCK 59156R108 3 47 SH   SOLE 0 47 0 0
METLIFE INC COMMON STOCK 59156R108 22 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,753 62,350 SH   SOLE 0 61,575 0 775
MICROSOFT CORP COMMON STOCK 594918104 470 10,640 SH   DFND 0 10,640 0 0
MILLER INDS INC TENN COM NEW COMMON STOCK 600551204 21 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 465 11,317 SH   SOLE 0 11,317 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 14 346 SH   DFND 0 346 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 677 6,356 SH   SOLE 0 6,156 0 200
MONSANTO CO (NEW) COMMON STOCK 61166W101 64 600 SH   DFND 0 600 0 0
MORGAN STANLEY NEW COMMON STOCK 617446448 130 3,350 SH   SOLE 0 3,350 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH   SOLE 0 23 0 0
NBT BANCORP INC COMMON STOCK 628778102 231 8,830 SH   SOLE 0 8,830 0 0
NBT BANCORP INC COMMON STOCK 628778102 97 3,691 SH   DFND 0 3,691 0 0
NRG ENERGY INC COM NEW COMMON STOCK 629377508 1 34 SH   SOLE 0 34 0 0
NATIONAL BK GREECE S A SPN ADR REP 1 SH FOREIGN EQUITIES 633643705 0 20 SH   SOLE 0 20 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 5 80 SH   SOLE 0 80 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 212 3,600 SH   DFND 0 3,600 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 3 50 SH   SOLE 0 50 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 6 100 SH   DFND 0 100 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 26 1,400 SH   SOLE 0 1,400 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 50 2,700 SH   DFND 0 2,700 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 13 305 SH   SOLE 0 0 0 305
NEXTERA ENERGY INC COMMON STOCK 65339F101 789 8,050 SH   SOLE 0 7,850 0 200
NEXTERA ENERGY INC COMMON STOCK 65339F101 387 3,950 SH   DFND 0 3,950 0 0
NIKE INC CL B COMMON STOCK 654106103 216 2,000 SH   SOLE 0 2,000 0 0
NIKE INC CL B COMMON STOCK 654106103 65 600 SH   DFND 0 600 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 21 500 SH   SOLE 0 500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,025 11,728 SH   SOLE 0 11,528 0 200
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 131 1,500 SH   DFND 0 1,500 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 5 400 SH   SOLE 0 400 0 0
NORTHERN TIER ENERGY LP COMMON STOCK 665826103 21 900 SH   DFND 0 900 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 118 744 SH   SOLE 0 744 0 0
NORTHWEST BANCSHARES INC MD COMMON STOCK 667340103 14 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 44 1,501 SH   SOLE 0 1,501 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2,891 29,394 SH   SOLE 0 29,394 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 679 6,900 SH   DFND 0 6,900 0 0
NUCOR CORP COMMON STOCK 670346105 1,808 41,042 SH   SOLE 0 40,692 0 350
NUCOR CORP COMMON STOCK 670346105 149 3,377 SH   DFND 0 3,377 0 0
NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 10 1,000 SH   SOLE 0 1,000 0 0
OGE ENERGY CORP COMMON STOCK 670837103 200 7,000 SH   SOLE 0 7,000 0 0
OGE ENERGY CORP COMMON STOCK 670837103 16 555 SH   DFND 0 555 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 96 1,230 SH   SOLE 0 1,230 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 14 400 SH   SOLE 0 400 0 0
ORACLE CORP COMMON STOCK 68389X105 365 9,067 SH   SOLE 0 9,067 0 0
ORACLE CORP COMMON STOCK 68389X105 20 500 SH   DFND 0 500 0 0
ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 15 1,000 SH   DFND 0 1,000 0 0
PDL BIOPHARMA INC COMMON STOCK 69329Y104 26 4,000 SH   DFND 0 4,000 0 0
PG&E CORP COMMON STOCK 69331C108 111 2,254 SH   SOLE 0 2,069 0 185
PG&E CORP COMMON STOCK 69331C108 118 2,407 SH   DFND 0 2,407 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 300 2,614 SH   SOLE 0 2,614 0 0
PPL CORP COMMON STOCK 69351T106 289 9,814 SH   SOLE 0 9,814 0 0
PPL CORP COMMON STOCK 69351T106 6 200 SH   DFND 0 200 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 12 100 SH   SOLE 0 100 0 0
PAYCHEX INC COMMON STOCK 704326107 6 135 SH   SOLE 0 135 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 133 3,370 SH   SOLE 0 3,370 0 0
PEPSICO INC COMMON STOCK 713448108 3,938 42,193 SH   SOLE 0 41,831 0 362
PEPSICO INC COMMON STOCK 713448108 958 10,261 SH   DFND 0 10,261 0 0
PFIZER INC COMMON STOCK 717081103 2,784 83,044 SH   SOLE 0 82,716 0 328
PFIZER INC COMMON STOCK 717081103 476 14,191 SH   DFND 0 14,191 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 457 5,705 SH   SOLE 0 5,705 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 72 900 SH   DFND 0 900 0 0
PHILLIPS 66 COMMON STOCK 718546104 263 3,262 SH   SOLE 0 3,262 0 0
PHILLIPS 66 COMMON STOCK 718546104 287 3,557 SH   DFND 0 3,557 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 75 738 SH   SOLE 0 492 0 246
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 399 3,944 SH   DFND 0 3,944 0 0
PIMCO DYNAMIC INCOME FD SHS ETF/FIXED INCOME 72201Y101 15 500 SH   SOLE 0 500 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 220 3,875 SH   SOLE 0 3,875 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 26 600 SH   SOLE 0 600 0 0
POLARIS INDS INC COMMON STOCK 731068102 15 100 SH   SOLE 0 100 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 985 31,818 SH   SOLE 0 31,318 0 500
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 168 5,425 SH   DFND 0 5,425 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 9 500 SH   SOLE 0 500 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 36 2,000 SH   DFND 0 2,000 0 0
POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH   SOLE 0 50 0 0
POWERSHS DB US DOLLAR INDEX DOLL INDX BULL ETF/OTHER 73936D107 1,501 60,000 SH   SOLE 0 60,000 0 0
POWERSHARES DWA DEV MARKET MOM PORT ETF ETF/INTERNATIONAL EQUITY 73936Q108 5 226 SH   SOLE 0 226 0 0
POWERSHARES GLOBAL ETF TRUSTINSUR NATL MUN ETF/EQUITY 73936T474 31 1,250 SH   SOLE 0 1,250 0 0
POWERSHARES GLOBAL ETF TRUSTDEV MKTS EX-US ETF/INTERNATIONAL EQUITY 73936T789 2,429 59,650 SH   SOLE 0 59,450 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 13 170 SH   SOLE 0 170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,430 56,623 SH   SOLE 0 56,256 0 367
PROCTER & GAMBLE CO COMMON STOCK 742718109 729 9,320 SH   DFND 0 9,320 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 204 SH   SOLE 0 204 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 5 61 SH   DFND 0 61 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2,531 64,458 SH   SOLE 0 63,958 0 500
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 845 21,506 SH   DFND 0 21,506 0 0
QUALCOMM INC COMMON STOCK 747525103 392 6,260 SH   SOLE 0 6,260 0 0
QUALCOMM INC COMMON STOCK 747525103 95 1,510 SH   DFND 0 1,510 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102 5 180 SH   SOLE 0 180 0 0
RAYTHEON CO NEW COMMON STOCK 755111507 24 250 SH   SOLE 0 250 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 6 87 SH   SOLE 0 87 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 19 250 SH   DFND 0 250 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 267 6,474 SH   SOLE 0 6,474 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 10 250 SH   DFND 0 250 0 0
RITE AID CORP COMMON STOCK 767754104 42 5,000 SH   SOLE 0 5,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 199 1,600 SH   SOLE 0 1,600 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 50 400 SH   DFND 0 400 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 235 2,550 SH   SOLE 0 2,550 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 92 1,000 SH   DFND 0 1,000 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 422 6,900 SH   SOLE 0 6,900 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 113 1,850 SH   DFND 0 1,850 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 456 7,997 SH   SOLE 0 7,997 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 11 200 SH   DFND 0 200 0 0
ROYAL GOLD INC COMMON STOCK 780287108 4 63 SH   DFND 0 63 0 0
GUGGENHEIM S&P 500 PURE GR ETF/EQUITY 78355W403 3,778 46,550 SH   SOLE 0 46,550 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4,512 21,917 SH   SOLE 0 21,917 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 504 2,446 SH   DFND 0 2,446 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 25 225 SH   SOLE 0 225 0 0
SPDR INDEX SHS FDS S&P EM MKT DIV ETF/INTERNATIONAL EQUITY 78463X533 86 2,625 SH   SOLE 0 2,625 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 65 1,575 SH   SOLE 0 1,575 0 0
SPDR INDEX SHS FDS MACQU GLBIN100 ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH   SOLE 0 50 0 0
SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 34 1,000 SH   SOLE 0 1,000 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 83 2,150 SH   SOLE 0 2,150 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 37 950 SH   DFND 0 950 0 0
SPDR SERIES TRUST NUVN BRCLY MUNI ETF/EQUITY 78464A458 30 1,250 SH   SOLE 0 1,250 0 0
SPDR SERIES TRUST BARC CAPTL ETF ETF/FIXED INCOME 78464A474 100 3,275 SH   SOLE 0 1,775 0 1,500
SPDR SERIES TRUST DB INT GVT ETF ETF/INTERNATIONAL FIXED INCOME 78464A490 27 500 SH   SOLE 0 500 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 6,667 134,625 SH   SOLE 0 134,325 0 300
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 3,686 13,494 SH   SOLE 0 13,494 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,120 7,761 SH   DFND 0 7,761 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 4,922 170,325 SH   SOLE 0 159,500 0 10,825
SABINE ROYALTY TR UNIT BEN INT COMMON STOCK 785688102 8 200 SH   SOLE 0 200 0 0
SCANA CORP NEW COMMON STOCK 80589M102 73 1,446 SH   SOLE 0 1,446 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,069 12,401 SH   SOLE 0 12,201 0 200
SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 152 3,075 SH   SOLE 0 0 0 3,075
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 500 8,697 SH   SOLE 0 8,697 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 32 556 SH   DFND 0 556 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 5 100 SH   SOLE 0 100 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 926 12,450 SH   SOLE 0 12,450 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 2,087 27,775 SH   SOLE 0 26,300 0 1,475
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 1,189 48,775 SH   SOLE 0 45,200 0 3,575
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 414 10,000 SH   SOLE 0 10,000 0 0
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 283 6,844 SH   DFND 0 6,844 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 65 1,575 SH   SOLE 0 1,575 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,635 16,530 SH   SOLE 0 16,280 0 250
SEMPRA ENERGY COMMON STOCK 816851109 317 3,200 SH   DFND 0 3,200 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 227 1,630 SH   SOLE 0 1,630 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 9 540 SH   DFND 0 540 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 73 1,700 SH   SOLE 0 1,700 0 0
SOUTHERN CO COMMON STOCK 842587107 348 8,301 SH   SOLE 0 8,301 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 109 3,339 SH   SOLE 0 3,061 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 116 3,570 SH   DFND 0 3,570 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 105 1,000 SH   SOLE 0 1,000 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 210 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 145 2,700 SH   SOLE 0 2,700 0 0
STATE STREET CORP COMMON STOCK 857477103 179 2,330 SH   SOLE 0 2,330 0 0
STATOIL ASA SPONSORED ADR FOREIGN EQUITIES 85771P102 5 300 SH   SOLE 0 300 0 0
STRYKER CORP COMMON STOCK 863667101 407 4,262 SH   SOLE 0 4,012 0 250
STRYKER CORP COMMON STOCK 863667101 57 600 SH   DFND 0 600 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 1 23 SH   SOLE 0 23 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 69 2,500 SH   SOLE 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,247 34,550 SH   SOLE 0 34,050 0 500
SYSCO CORP COMMON STOCK 871829107 346 9,600 SH   DFND 0 9,600 0 0
TECO ENERGY INC COMMON STOCK 872375100 54 3,055 SH   SOLE 0 3,055 0 0
TARGET CORP COMMON STOCK 87612E106 505 6,183 SH   SOLE 0 6,183 0 0
TARGET CORP COMMON STOCK 87612E106 16 200 SH   DFND 0 200 0 0
TELEFONICA S A SPONSORED ADR FOREIGN EQUITIES 879382208 4 316 SH   DFND 0 316 0 0
TENARIS S A SPONSORED ADR FOREIGN EQUITIES 88031M109 41 1,500 SH   SOLE 0 1,500 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 12 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 12 200 SH   DFND 0 200 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 735 14,270 SH   SOLE 0 13,870 0 400
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 113 2,200 SH   DFND 0 2,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 23 180 SH   SOLE 0 180 0 0
3M COMPANY COMMON STOCK 88579Y101 4,081 26,446 SH   SOLE 0 26,446 0 0
3M COMPANY COMMON STOCK 88579Y101 697 4,520 SH   DFND 0 4,520 0 0
TIME WARNER INC NEW COMMON STOCK 887317303 9 107 SH   SOLE 0 107 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 244 4,543 SH   SOLE 0 4,543 0 0
TORONTO DOMINION BANK NEW FOREIGN EQUITIES 891160509 482 11,350 SH   SOLE 0 11,350 0 0
TORONTO DOMINION BANK NEW FOREIGN EQUITIES 891160509 29 675 SH   DFND 0 675 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 347 7,060 SH   SOLE 0 7,060 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 113 2,300 SH   DFND 0 2,300 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 27 200 SH   SOLE 0 200 0 0
TRI CONTINENTAL CORP MUTUAL FUND EQUITIES 895436103 144 6,800 SH   SOLE 0 6,800 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 6 842 SH   DFND 0 842 0 0
US BANCORP DEL NEW COMMON STOCK 902973304 1,412 32,546 SH   SOLE 0 31,807 0 739
US BANCORP DEL NEW COMMON STOCK 902973304 170 3,907 SH   DFND 0 3,907 0 0
UNILEVER PLC SPON ADR NEW FOREIGN EQUITIES 904767704 4 100 SH   DFND 0 100 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 29 300 SH   DFND 0 300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,402 14,470 SH   SOLE 0 14,374 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 156 1,608 SH   DFND 0 1,608 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,805 25,290 SH   SOLE 0 25,004 0 286
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 495 4,465 SH   DFND 0 4,465 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,185 9,715 SH   SOLE 0 9,465 0 250
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 24 200 SH   DFND 0 200 0 0
V F CORP COMMON STOCK 918204108 315 4,515 SH   SOLE 0 4,215 0 300
V F CORP COMMON STOCK 918204108 7 100 SH   DFND 0 100 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 51 821 SH   SOLE 0 821 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 636 8,094 SH   SOLE 0 8,094 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 544 6,928 SH   DFND 0 6,928 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 3,876 48,332 SH   SOLE 0 46,362 0 1,970
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 222 2,772 SH   DFND 0 2,772 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 2,134 26,259 SH   SOLE 0 25,364 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 804 9,889 SH   DFND 0 9,889 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 4,750 90,725 SH   SOLE 0 90,425 0 300
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 5 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 714 14,370 SH   SOLE 0 14,370 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 253 5,100 SH   DFND 0 5,100 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 461 4,400 SH   DFND 0 4,400 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 252 2,800 SH   SOLE 0 2,800 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 779 19,047 SH   SOLE 0 19,047 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 160 3,908 SH   DFND 0 3,908 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 3,983 50,050 SH   SOLE 0 50,050 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 459 5,762 SH   DFND 0 5,762 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 83 775 SH   SOLE 0 775 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 1,903 25,475 SH   SOLE 0 25,475 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 22 200 SH   SOLE 0 200 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 167 1,309 SH   SOLE 0 1,309 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 200 1,650 SH   SOLE 0 1,650 0 0
VERIFONE SYS INC COMMON STOCK 92342Y109 3 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,615 99,023 SH   SOLE 0 98,440 0 583
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,020 21,889 SH   DFND 0 21,889 0 0
VIACOM INC NEW CL B COMMON STOCK 92553P201 16 250 SH   SOLE 0 250 0 0
VISA INC CL A COMMON STOCK 92826C839 215 3,200 SH   SOLE 0 3,200 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 11 291 SH   SOLE 0 291 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 6 161 SH   DFND 0 161 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 261 4,800 SH   SOLE 0 4,800 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,042 28,784 SH   SOLE 0 28,672 0 112
WAL MART STORES INC COMMON STOCK 931142103 484 6,828 SH   DFND 0 6,828 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 597 7,075 SH   SOLE 0 7,075 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 17 200 SH   DFND 0 200 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 19 400 SH   SOLE 0 400 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 22 475 SH   DFND 0 475 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,639 29,143 SH   SOLE 0 28,793 0 350
WELLS FARGO & CO NEW COMMON STOCK 949746101 86 1,525 SH   DFND 0 1,525 0 0
WHITEWAVE FOODS CO COMMON STOCK 966244105 12 250 SH   SOLE 0 250 0 0
WILLIAMS COS INC DEL COMMON STOCK 969457100 40 700 SH   SOLE 0 700 0 0
WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 1,020 17,145 SH   SOLE 0 17,145 0 0
WISDOMTREE EMERGING MKTS SMALLCAP DIV ETF ETF/INTERNATIONAL EQUITY 97717W281 482 11,100 SH   DFND 0 11,100 0 0
WISDOMTREE TR BLMBG US BULL ETF/OTHER 97717W471 2,344 83,575 SH   SOLE 0 80,350 0 3,225
WISDOMTREE TR JPN SCAP HDG EQT ETF/INTERNATIONAL EQUITY 97717W521 747 20,800 SH   SOLE 0 20,600 0 200
YAHOO INC COMMON STOCK 984332106 20 500 SH   SOLE 0 500 0 0
YAHOO INC COMMON STOCK 984332106 24 600 SH   DFND 0 600 0 0
YAMANA GOLD INC FOREIGN EQUITIES 98462Y100 0 100 SH   DFND 0 100 0 0
YOU ON DEMAND HOLDINGS INC COMMON STOCK 98741R207 0 200 SH   SOLE 0 200 0 0
YUM BRANDS INC COMMON STOCK 988498101 14 150 SH   SOLE 0 150 0 0