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
BROOKFIELD PROPERTY PARTNERS COMMON STOCK G16249107 1 38 SH   DFND 0 38 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT COMMON STOCK G16252101 1 27 SH   DFND 0 27 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 86 1,660 SH   SOLE 0 1,660 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 27 523 SH   DFND 0 523 0 0
ICON PUBLIC LTD COMMON STOCK G4705A100 9 120 SH   DFND 0 120 0 0
INTERNATIONAL GAME TECHNOLOGY FOREIGN EQUITIES G4863A108 1 80 SH   SOLE 0 80 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 719 9,348 SH   SOLE 0 9,348 0 0
MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 92 1,196 SH   DFND 0 1,196 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 195 18,485 SH   SOLE 0 18,485 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 13 1,200 SH   DFND 0 1,200 0 0
SEAGATE TECHNOLOGY PLC COMMON STOCK G7945M107 16 425 SH   DFND 0 425 0 0
SIGNET JEWELERS COMMON STOCK G81276100 7 59 SH   DFND 0 59 0 0
XL GROUP PLC FOREIGN EQUITIES G98290102 17 440 SH   SOLE 0 440 0 0
GARMIN LTD. COMMON STOCK H2906T109 7 200 SH   DFND 0 200 0 0
INTELSAT S A COMMON STOCK L5140P101 0 100 SH   DFND 0 100 0 0
ASML HOLDING COMMON STOCK N07059210 8 86 SH   DFND 0 86 0 0
AVAGO TECH COMMON STOCK Y0486S104 47 325 SH   SOLE 0 325 0 0
AVAGO TECH COMMON STOCK Y0486S104 19 130 SH   DFND 0 130 0 0
OCEAN RIG UDW INC SHS FOREIGN EQUITIES Y64354205 0 2 SH   SOLE 0 2 0 0
AFLAC INC COMMON STOCK 001055102 12 200 SH   SOLE 0 200 0 0
AGL RESOURCES INC COMMON STOCK 001204106 16 251 SH   SOLE 0 251 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 98 2,750 SH   SOLE 0 2,750 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 1,941 161,046 SH   SOLE 0 160,671 0 375
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 155 12,871 SH   DFND 0 12,871 0 0
AT&T INC COMMON STOCK 00206R102 5,492 159,651 SH   SOLE 0 158,941 0 710
AT&T INC COMMON STOCK 00206R102 1,555 45,215 SH   DFND 0 45,215 0 0
ABBOTT LABS COMMON STOCK 002824100 1,721 38,335 SH   SOLE 0 38,035 0 300
ABBOTT LABS COMMON STOCK 002824100 191 4,255 SH   DFND 0 4,255 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,906 49,052 SH   SOLE 0 49,052 0 0
ABBVIE INC COMMON STOCK 00287Y109 402 6,780 SH   DFND 0 6,780 0 0
AETNA INC NEW COMMON STOCK 00817Y108 54 500 SH   DFND 0 500 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 33 205 SH   SOLE 0 205 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 19 120 SH   DFND 0 120 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 257 1,975 SH   SOLE 0 1,975 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 26 200 SH   DFND 0 200 0 0
ALCOA INC COMMON STOCK 013817101 27 2,759 SH   SOLE 0 2,759 0 0
ALCOA INC COMMON STOCK 013817101 42 4,300 SH   DFND 0 4,300 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 132 2,115 SH   DFND 0 2,115 0 0
ALLIANCEBERNSTEIN INCOME FUNCOM INCOME 01881E101 5 710 SH   SOLE 0 710 0 0
ALLSTATE CORP COMMON STOCK 020002101 16 255 SH   SOLE 0 255 0 0
ALLSTATE CORP COMMON STOCK 020002101 10 160 SH   DFND 0 160 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 96 127 SH   SOLE 0 127 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 15 20 SH   DFND 0 20 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 131 169 SH   SOLE 0 169 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 31 40 SH   DFND 0 40 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 707 12,153 SH   SOLE 0 12,153 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 137 2,356 SH   DFND 0 2,356 0 0
AMAZON.COM INC COMMON STOCK 023135106 17 25 SH   SOLE 0 25 0 0
AMAZON.COM INC COMMON STOCK 023135106 9 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 144 3,322 SH   SOLE 0 3,322 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 248 4,259 SH   SOLE 0 4,259 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 205 3,519 SH   DFND 0 3,519 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 647 9,310 SH   SOLE 0 9,060 0 250
AMERICAN EXPRESS CO COMMON STOCK 025816109 42 600 SH   DFND 0 600 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERIPRISE FINL INC COMMON STOCK 03076C106 36 335 SH   SOLE 0 335 0 0
AMERIPRISE FINL INC COMMON STOCK 03076C106 11 100 SH   DFND 0 100 0 0
AMERIGAS PARTNERS LP COMMON STOCK 030975106 27 800 SH   DFND 0 800 0 0
AMGEN INC COMMON STOCK 031162100 771 4,750 SH   SOLE 0 4,750 0 0
AMGEN INC COMMON STOCK 031162100 341 2,100 SH   DFND 0 2,100 0 0
AMSURG CORP COMMON STOCK 03232P405 7 95 SH   SOLE 0 95 0 0
AMSURG CORP COMMON STOCK 03232P405 12 155 SH   DFND 0 155 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 29 600 SH   SOLE 0 600 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 11 230 SH   DFND 0 230 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 17 300 SH   SOLE 0 300 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR COMMON STOCK 03524A108 13 100 SH   SOLE 0 100 0 0
ANTHEM INC COMMON STOCK 036752103 397 2,850 SH   SOLE 0 2,850 0 0
APACHE CORP COMMON STOCK 037411105 390 8,776 SH   SOLE 0 8,776 0 0
APACHE CORP COMMON STOCK 037411105 4 80 SH   DFND 0 80 0 0
APPLE INC COMMON STOCK 037833100 9,593 91,141 SH   SOLE 0 91,141 0 0
APPLE INC COMMON STOCK 037833100 349 3,316 SH   DFND 0 3,316 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 20 1,048 SH   SOLE 0 1,048 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 14 735 SH   DFND 0 735 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 6 200 SH   SOLE 0 200 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 168 6,202 SH   DFND 0 6,202 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 52 3,300 SH   SOLE 0 3,300 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,511 17,839 SH   SOLE 0 17,699 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 388 4,582 SH   DFND 0 4,582 0 0
AVANGRID INC COM COMMON STOCK 05351W103 4 100 SH   SOLE 0 0 0 100
BB&T CORP COMMON STOCK 054937107 40 1,050 SH   SOLE 0 1,050 0 0
BB&T CORP COMMON STOCK 054937107 8 200 SH   DFND 0 200 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 17 550 SH   DFND 0 550 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 101 6,010 SH   SOLE 0 6,010 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 12 700 SH   DFND 0 700 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 208 5,042 SH   SOLE 0 5,042 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
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 3 375 SH   SOLE 0 375 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 5 675 SH   DFND 0 675 0 0
BAXALTA INC COMMON STOCK 07177M103 20 500 SH   SOLE 0 500 0 0
BAXALTA INC COMMON STOCK 07177M103 6 155 SH   DFND 0 155 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 19 500 SH   SOLE 0 500 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 6 155 SH   DFND 0 155 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 458 2,975 SH   SOLE 0 2,975 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 247 1,600 SH   DFND 0 1,600 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 98 2,035 SH   SOLE 0 2,035 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 4 93 SH   DFND 0 93 0 0
BEMIS INC COMMON STOCK 081437105 699 15,650 SH   SOLE 0 15,650 0 0
BEMIS INC COMMON STOCK 081437105 223 5,000 SH   DFND 0 5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 138 1,048 SH   SOLE 0 1,048 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 65 494 SH   DFND 0 494 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 40 1,391 SH   DFND 0 1,391 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 588 22,855 SH   SOLE 0 22,505 0 350
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 112 4,365 SH   DFND 0 4,365 0 0
BIOLIFE SOLUTIONS INC NEW COMMON STOCK 09062W204 1 250 SH   DFND 0 250 0 0
BIOTELEMETRY INC COMMON STOCK 090672106 35 3,000 SH   SOLE 0 3,000 0 0
BLACKROCK INC COMMON STOCK 09247X101 16 46 SH   SOLE 0 46 0 0
BLACKROCK INC COMMON STOCK 09247X101 38 113 SH   DFND 0 113 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 31 1,500 SH   SOLE 0 1,500 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 56 3,835 SH   SOLE 0 3,835 0 0
BOEING CO COMMON STOCK 097023105 491 3,399 SH   SOLE 0 3,399 0 0
BOEING CO COMMON STOCK 097023105 41 285 SH   DFND 0 285 0 0
BREITBURN ENERGY PARTNERS LP COMMON STOCK 106776107 0 300 SH   DFND 0 300 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 6 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,236 17,963 SH   SOLE 0 17,480 0 483
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 857 12,461 SH   DFND 0 12,461 0 0
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 11 200 SH   DFND 0 200 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH COMMON STOCK 112585104 32 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 77 1,175 SH   DFND 0 1,175 0 0
CBS CORP NEW CL B COMMON STOCK 124857202 9 200 SH   SOLE 0 200 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 8 165 SH   SOLE 0 165 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 522 8,410 SH   SOLE 0 8,110 0 300
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 28 450 SH   DFND 0 450 0 0
CIT GROUP INC NEW COMMON STOCK 125581801 7 184 SH   DFND 0 184 0 0
CMS ENERGY CORP COMMON STOCK 125896100 29 795 SH   DFND 0 795 0 0
CSX CORP COMMON STOCK 126408103 78 3,000 SH   DFND 0 3,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 576 5,895 SH   SOLE 0 5,645 0 250
CVS HEALTH CORP COMMON STOCK 126650100 9 93 SH   DFND 0 93 0 0
CAESARS ACQUISITION CO CL A COMMON STOCK 12768T103 14 2,000 SH   SOLE 0 2,000 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 5 100 SH   DFND 0 100 0 0
CARE CAP PPTYS INC COMMON STOCK 141624106 1 49 SH   DFND 0 49 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 711 10,460 SH   SOLE 0 10,460 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 200 2,936 SH   DFND 0 2,936 0 0
CELGENE CORP COMMON STOCK 151020104 117 973 SH   SOLE 0 973 0 0
CELGENE CORP COMMON STOCK 151020104 42 349 SH   DFND 0 349 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH   SOLE 0 100 0 0
CENTURYTEL INC COMMON STOCK 156700106 13 529 SH   SOLE 0 529 0 0
CENTURYTEL INC COMMON STOCK 156700106 3 100 SH   DFND 0 100 0 0
CERNER CORP COMMON STOCK 156782104 30 505 SH   SOLE 0 505 0 0
CERNER CORP COMMON STOCK 156782104 12 195 SH   DFND 0 195 0 0
CHEMOURS CO COMMON STOCK 163851108 1 117 SH   SOLE 0 117 0 0
CHEMOURS CO COMMON STOCK 163851108 1 102 SH   DFND 0 102 0 0
CHEVRON CORP COMMON STOCK 166764100 2,390 26,565 SH   SOLE 0 26,318 0 247
CHEVRON CORP COMMON STOCK 166764100 734 8,162 SH   DFND 0 8,162 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 28 59 SH   SOLE 0 59 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 28 59 SH   DFND 0 59 0 0
CHUBB CORP COMMON STOCK 171232101 1,534 11,565 SH   SOLE 0 11,315 0 250
CHUBB CORP COMMON STOCK 171232101 253 1,910 SH   DFND 0 1,910 0 0
CINEMARK HOLDINGS INC. COMMON STOCK 17243V102 3 100 SH   DFND 0 100 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,060 112,706 SH   SOLE 0 112,206 0 500
CISCO SYSTEMS INC COMMON STOCK 17275R102 718 26,444 SH   DFND 0 26,444 0 0
CITIGROUP INC COMMON STOCK 172967424 46 890 SH   SOLE 0 890 0 0
CITIGROUP INC COMMON STOCK 172967424 19 360 SH   DFND 0 360 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 130 5,225 SH   SOLE 0 5,225 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 1,061 50,475 SH   SOLE 0 49,650 0 825
COCA COLA CO COMMON STOCK 191216100 4,347 101,215 SH   SOLE 0 101,004 0 211
COCA COLA CO COMMON STOCK 191216100 1,388 32,309 SH   DFND 0 32,309 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 545 8,184 SH   SOLE 0 8,184 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 522 7,836 SH   DFND 0 7,836 0 0
COLUMBIA PROPERTY TRUST REIT REAL ESTATE INVESTMENT TRUSTS 198287203 2 98 SH   SOLE 0 98 0 0
COMCAST CORP COMMON STOCK 20030N101 736 13,041 SH   SOLE 0 13,041 0 0
COMCAST CORP COMMON STOCK 20030N101 103 1,818 SH   DFND 0 1,818 0 0
COMMUNICATIONS SALES&LEAS IN COMMON STOCK 20341J104 0 20 SH   SOLE 0 20 0 0
COMMUNICATIONS SALES&LEAS IN COMMON STOCK 20341J104 4 200 SH   DFND 0 200 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 3,402 85,197 SH   SOLE 0 85,197 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 2,541 63,648 SH   DFND 0 63,648 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 13 300 SH   DFND 0 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,738 37,224 SH   SOLE 0 36,832 0 392
CONOCOPHILLIPS COMMON STOCK 20825C104 340 7,281 SH   DFND 0 7,281 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 500 7,785 SH   SOLE 0 7,785 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 135 2,101 SH   DFND 0 2,101 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 171 1,200 SH   SOLE 0 1,200 0 0
CORNING INC COMMON STOCK 219350105 148 8,120 SH   SOLE 0 8,120 0 0
CORNING INC COMMON STOCK 219350105 43 2,339 SH   DFND 0 2,339 0 0
CORRECTIONS CORPORATION OF AMERICA COMMON STOCK 22025Y407 5 200 SH   DFND 0 200 0 0
COSTCO COMMON STOCK 22160K105 47 290 SH   SOLE 0 290 0 0
COSTCO COMMON STOCK 22160K105 20 125 SH   DFND 0 125 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344208 0 21 SH   DFND 0 21 0 0
CUMMINS INC COMMON STOCK 231021106 785 8,924 SH   SOLE 0 8,739 0 185
CUMMINS INC COMMON STOCK 231021106 88 1,000 SH   DFND 0 1,000 0 0
CYNOSURE INC A COMMON STOCK 232577205 4 100 SH   DFND 0 100 0 0
CYPRESS SEMICONDUCTOR COMMON STOCK 232806109 5 485 SH   SOLE 0 485 0 0
DBX ETF TR XTRAK MSCI EAFE ETF/INTERNATIONAL EQUITY 233051200 157 5,775 SH   SOLE 0 5,775 0 0
DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1,715 45,025 SH   SOLE 0 44,825 0 200
DANAHER CORP DEL COMMON STOCK 235851102 10 105 SH   SOLE 0 105 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 133 2,084 SH   SOLE 0 1,924 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 164 2,580 SH   DFND 0 2,580 0 0
DEERE & CO COMMON STOCK 244199105 26 339 SH   SOLE 0 339 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 48 1,500 SH   SOLE 0 1,500 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 45 1,400 SH   DFND 0 1,400 0 0
DEX MEDIA INC NEW COMMON STOCK 25213A107 0 220 SH   SOLE 0 220 0 0
DIGITAL RLTY TR INC COM REAL ESTATE INVESTMENT TRUSTS 253868103 7 89 SH   SOLE 0 89 0 0
DIGITAL RLTY TR INC COM REAL ESTATE INVESTMENT TRUSTS 253868103 28 372 SH   DFND 0 372 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,058 19,582 SH   SOLE 0 19,332 0 250
WALT DISNEY CO COMMON STOCK 254687106 188 1,788 SH   DFND 0 1,788 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 1,994 29,487 SH   SOLE 0 29,387 0 100
DOMINION RES INC VA NEW COMMON STOCK 25746U109 839 12,400 SH   DFND 0 12,400 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 2,451 47,622 SH   SOLE 0 47,220 0 402
DOW CHEMICAL CO COMMON STOCK 260543103 422 8,203 SH   DFND 0 8,203 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 728 10,925 SH   SOLE 0 10,756 0 169
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 215 3,232 SH   DFND 0 3,232 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 321 4,498 SH   SOLE 0 4,498 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 25 345 SH   DFND 0 345 0 0
E M C CORP MASS COMMON STOCK 268648102 1,356 52,800 SH   SOLE 0 52,300 0 500
E M C CORP MASS COMMON STOCK 268648102 113 4,409 SH   DFND 0 4,409 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 274 3,865 SH   SOLE 0 3,865 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 10 140 SH   DFND 0 140 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 60 892 SH   SOLE 0 892 0 0
ECOLAB INC COMMON STOCK 278865100 23 205 SH   SOLE 0 205 0 0
ECOLAB INC COMMON STOCK 278865100 4 35 SH   DFND 0 35 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 6 70 SH   SOLE 0 70 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 4 56 SH   DFND 0 56 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,593 33,305 SH   SOLE 0 33,005 0 300
EMERSON ELECTRIC CO COMMON STOCK 291011104 240 5,020 SH   DFND 0 5,020 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 14 415 SH   DFND 0 415 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON STOCK 29250R106 5 200 SH   DFND 0 200 0 0
ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 3 100 SH   DFND 0 100 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 10 700 SH   DFND 0 700 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 7 100 SH   DFND 0 100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 163 6,392 SH   SOLE 0 6,088 0 304
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 5 200 SH   DFND 0 200 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 41 500 SH   SOLE 0 500 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 15 301 SH   SOLE 0 301 0 0
EXELON CORP COMMON STOCK 30161N101 912 32,858 SH   SOLE 0 32,858 0 0
EXELON CORP COMMON STOCK 30161N101 246 8,875 SH   DFND 0 8,875 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 61 695 SH   SOLE 0 695 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 24 275 SH   DFND 0 275 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 5,985 76,786 SH   SOLE 0 76,436 0 350
EXXON MOBIL CORP COMMON STOCK 30231G102 1,800 23,095 SH   DFND 0 23,095 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 93 890 SH   SOLE 0 890 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 25 240 SH   DFND 0 240 0 0
FASTENAL CO COMMON STOCK 311900104 184 4,500 SH   SOLE 0 4,500 0 0
FASTENAL CO COMMON STOCK 311900104 122 3,000 SH   DFND 0 3,000 0 0
FEDERATED INVESTORS INC COMMON STOCK 314211103 6 200 SH   DFND 0 200 0 0
FEDEX CORP COMMON STOCK 31428X106 48 321 SH   SOLE 0 321 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 13 655 SH   DFND 0 655 0 0
FIRST NIAGARA FINL GP INC COMMON STOCK 33582V108 11 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 65 4,630 SH   SOLE 0 4,630 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 37 2,640 SH   DFND 0 2,640 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 6 132 SH   DFND 0 132 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 13 2,760 SH   SOLE 0 2,760 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 8 1,732 SH   DFND 0 1,732 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 254 1,850 SH   SOLE 0 1,850 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 88 640 SH   DFND 0 640 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 5,739 184,296 SH   SOLE 0 184,046 0 250
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,777 57,051 SH   DFND 0 57,051 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,690 29,319 SH   SOLE 0 28,919 0 400
GENERAL MILLS INC COMMON STOCK 370334104 577 10,005 SH   DFND 0 10,005 0 0
GENUINE PARTS CO COMMON STOCK 372460105 41 479 SH   SOLE 0 479 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 87 855 SH   SOLE 0 855 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 13 130 SH   DFND 0 130 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR COMMON STOCK 37733W105 11 271 SH   DFND 0 271 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 27 150 SH   SOLE 0 150 0 0
GRAMERCY PPTY TR COM COMMON STOCK 385002100 10 1,266 SH   SOLE 0 1,266 0 0
HCP INC COMMON STOCK 40414L109 122 3,192 SH   SOLE 0 3,192 0 0
HCP INC COMMON STOCK 40414L109 88 2,303 SH   DFND 0 2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 10 400 SH   SOLE 0 400 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 51 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 47 1,375 SH   SOLE 0 1,375 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 0 12 SH   SOLE 0 12 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 0 13 SH   DFND 0 13 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 9 200 SH   SOLE 0 200 0 0
HASBRO INC COMMON STOCK 418056107 69 1,030 SH   DFND 0 1,030 0 0
HERSHEY CO COMMON STOCK 427866108 134 1,500 SH   SOLE 0 1,500 0 0
HERSHEY CO COMMON STOCK 427866108 89 1,000 SH   DFND 0 1,000 0 0
HIMAX TECH COMMON STOCK 43289P106 4 525 SH   SOLE 0 525 0 0
HOME DEPOT INC COMMON STOCK 437076102 704 5,324 SH   SOLE 0 5,324 0 0
HOME DEPOT INC COMMON STOCK 437076102 251 1,899 SH   DFND 0 1,899 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 399 3,855 SH   SOLE 0 3,855 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 37 360 SH   DFND 0 360 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 2 14 SH   SOLE 0 14 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,124 22,915 SH   SOLE 0 22,665 0 250
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 368 3,970 SH   DFND 0 3,970 0 0
INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 36 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 4,311 125,136 SH   SOLE 0 124,081 0 1,055
INTEL CORP COMMON STOCK 458140100 949 27,548 SH   DFND 0 27,548 0 0
INSYS THERAPEUTICS INC COMMON STOCK 45824V209 29 1,000 SH   SOLE 0 1,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,540 54,790 SH   SOLE 0 54,665 0 125
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 11,478 83,407 SH   DFND 0 83,407 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 18 488 SH   SOLE 0 488 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 26 687 SH   DFND 0 687 0 0
IONIS PHARMACEUTICALS INC COM COMMON STOCK 462222100 8 123 SH   SOLE 0 123 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 1 100 SH   DFND 0 100 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 10 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 25 1,872 SH   DFND 0 1,872 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 188 8,759 SH   SOLE 0 8,759 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 38 1,750 SH   DFND 0 1,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 3,350 68,850 SH   SOLE 0 68,750 0 100
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 19 495 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 142 1,884 SH   SOLE 0 1,884 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 96 871 SH   SOLE 0 871 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 27,796 135,678 SH   SOLE 0 135,678 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 8 40 SH   DFND 0 40 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 3,594 33,275 SH   SOLE 0 33,275 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 9 85 SH   DFND 0 85 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 73 2,284 SH   SOLE 0 2,284 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 16 505 SH   DFND 0 505 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 268 2,353 SH   SOLE 0 2,184 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 226 1,982 SH   DFND 0 1,982 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 37 361 SH   SOLE 0 361 0 0
ISHARES S&P 500 VALUE ETF/EQUITY 464287408 38 427 SH   SOLE 0 427 0 0
ISHARES TR BARCLYS 7-10 YR ETF/FIXED INCOME 464287440 884 8,375 SH   SOLE 0 8,275 0 100
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 132 1,566 SH   SOLE 0 1,566 0 0
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 79 933 SH   DFND 0 933 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,328 22,611 SH   SOLE 0 22,611 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,069 18,212 SH   DFND 0 18,212 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 2,181 31,775 SH   SOLE 0 31,775 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 113 1,650 SH   DFND 0 1,650 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8,086 58,039 SH   SOLE 0 57,969 0 70
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 298 2,137 SH   DFND 0 2,137 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4,265 43,587 SH   SOLE 0 43,462 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,557 15,910 SH   DFND 0 15,910 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 140 870 SH   SOLE 0 870 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 5,094 51,209 SH   SOLE 0 51,009 0 200
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1,990 20,006 SH   DFND 0 20,006 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 16 175 SH   DFND 0 175 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 6 53 SH   SOLE 0 53 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 109 965 SH   DFND 0 965 0 0
ISHARES TR US HLTHCARE ETF ETF/EQUITY 464287762 12 82 SH   SOLE 0 82 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 8,115 73,697 SH   SOLE 0 73,597 0 100
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1,989 18,067 SH   DFND 0 18,067 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 238 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SM CAP ETF ETF/INTERNATIONAL EQUITY 464288273 145 2,900 SH   SOLE 0 2,900 0 0
ISHARES TR NAT AMT FREE BD ETF/EQUITY 464288414 55 500 SH   SOLE 0 500 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 44 1,525 SH   SOLE 0 1,525 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,544 31,575 SH   SOLE 0 31,575 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 122 1,511 SH   DFND 0 1,511 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 574 60,000 SH   SOLE 0 60,000 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 42 395 SH   SOLE 0 395 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 102 955 SH   DFND 0 955 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 893 8,539 SH   SOLE 0 8,339 0 200
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 733 7,009 SH   DFND 0 7,009 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,069 79,014 SH   SOLE 0 79,014 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 10 270 SH   DFND 0 270 0 0
ISHARES TR FLTG RATE BD ETF ETF/FIXED INCOME 46429B655 1,009 20,000 SH   SOLE 0 20,000 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 381 5,185 SH   SOLE 0 4,985 0 200
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 7,378 113,755 SH   SOLE 0 113,590 0 165
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 10,514 251,470 SH   SOLE 0 250,845 0 625
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 16,724 307,532 SH   SOLE 0 307,332 0 200
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 53 968 SH   DFND 0 968 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 4,065 103,225 SH   SOLE 0 103,225 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,262 49,412 SH   SOLE 0 48,912 0 500
JP MORGAN CHASE & CO COMMON STOCK 46625H100 478 7,241 SH   DFND 0 7,241 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,465 62,934 SH   SOLE 0 62,545 0 389
JOHNSON & JOHNSON COMMON STOCK 478160104 2,042 19,876 SH   DFND 0 19,876 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 294 7,440 SH   SOLE 0 7,440 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 23 588 SH   DFND 0 588 0 0
KELLOGG CO COMMON STOCK 487836108 5 65 SH   DFND 0 65 0 0
KEYCORP NEW COMMON STOCK 493267108 159 12,075 SH   SOLE 0 12,075 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 65 510 SH   SOLE 0 510 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 523 4,105 SH   DFND 0 4,105 0 0
KIMCO REALTY CORP COMMON STOCK 49446R109 67 2,535 SH   SOLE 0 2,535 0 0
KINDER MORGAN INC DEL COMMON STOCK 49456B101 13 876 SH   SOLE 0 876 0 0
KOHLS CORP COMMON STOCK 500255104 4 75 SH   SOLE 0 75 0 0
KOHLS CORP COMMON STOCK 500255104 34 705 SH   DFND 0 705 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 660 9,077 SH   SOLE 0 9,077 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 202 2,782 SH   DFND 0 2,782 0 0
KROGER CO. COMMON STOCK 501044101 53 1,260 SH   SOLE 0 1,260 0 0
KROGER CO. COMMON STOCK 501044101 28 660 SH   DFND 0 660 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 1 12 SH   SOLE 0 12 0 0
LILLY ELI & CO COMMON STOCK 532457108 119 1,418 SH   SOLE 0 1,418 0 0
LILLY ELI & CO COMMON STOCK 532457108 94 1,116 SH   DFND 0 1,116 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 171 787 SH   SOLE 0 787 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 109 500 SH   DFND 0 500 0 0
LOEWS CORP COMMON STOCK 540424108 50 1,300 SH   DFND 0 1,300 0 0
LOWES COS INC COMMON STOCK 548661107 804 10,575 SH   SOLE 0 10,175 0 400
LOWES COS INC COMMON STOCK 548661107 68 889 SH   DFND 0 889 0 0
LUXOTTICA GROUP COMMON STOCK 55068R202 1 10 SH   SOLE 0 10 0 0
M & T BANK CORP COMMON STOCK 55261F104 230 1,898 SH   SOLE 0 1,898 0 0
M & T BANK CORP COMMON STOCK 55261F104 998 8,234 SH   DFND 0 8,234 0 0
MFS SPL VALUE TR SH BEN INT COMMON STOCK 55274E102 5 1,000 SH   DFND 0 1,000 0 0
MGE ENERGY INC COMMON STOCK 55277P104 11 240 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 8 600 SH   SOLE 0 600 0 0
MARATHON OIL CORP COMMON STOCK 565849106 4 345 SH   DFND 0 345 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 10 200 SH   SOLE 0 200 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 18 344 SH   DFND 0 344 0 0
MARKEL CORP COMMON STOCK 570535104 4 5 SH   SOLE 0 5 0 0
MARKET VECTORS AGRIBUS ETF ETF/EQUITY 57060U605 28 600 SH   SOLE 0 600 0 0
MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 46 1,500 SH   SOLE 0 1,500 0 0
MARRIOTT INTL INC NEW CL A COMMON STOCK 571903202 36 535 SH   SOLE 0 535 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 20 205 SH   SOLE 0 205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,259 10,658 SH   SOLE 0 10,270 0 388
MCDONALDS CORP COMMON STOCK 580135101 237 2,009 SH   DFND 0 2,009 0 0
MCKESSON CORP COMMON STOCK 58155Q103 394 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 13 1,100 SH   DFND 0 1,100 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 150 4,750 SH   SOLE 0 4,750 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 94 3,000 SH   DFND 0 3,000 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,974 75,261 SH   SOLE 0 74,723 0 538
MERCK & CO INC NEW COMMON STOCK 58933Y105 1,040 19,696 SH   DFND 0 19,696 0 0
METLIFE INC COMMON STOCK 59156R108 5 109 SH   SOLE 0 109 0 0
METLIFE INC COMMON STOCK 59156R108 19 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,592 64,748 SH   SOLE 0 63,973 0 775
MICROSOFT CORP COMMON STOCK 594918104 759 13,691 SH   DFND 0 13,691 0 0
MILLER INDS INC TENN COMMON STOCK 600551204 23 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 8 173 SH   SOLE 0 173 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 20 439 SH   DFND 0 439 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 703 7,131 SH   SOLE 0 6,931 0 200
MONSANTO CO (NEW) COMMON STOCK 61166W101 79 800 SH   DFND 0 800 0 0
MONSTER BEVERAGE COMMON STOCK 61174X109 10 64 SH   DFND 0 64 0 0
MORGAN STANLEY NEW COMMON STOCK 617446448 99 3,100 SH   SOLE 0 3,100 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH   SOLE 0 23 0 0
NBT BANCORP INC COMMON STOCK 628778102 534 19,171 SH   SOLE 0 19,171 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,228 44,079 SH   DFND 0 44,079 0 0
NRG ENERGY INC COMMON STOCK 629377508 0 34 SH   SOLE 0 34 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 111 2,600 SH   DFND 0 2,600 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 21 309 SH   DFND 0 309 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 30 1,860 SH   SOLE 0 1,860 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 44 2,700 SH   DFND 0 2,700 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 11 250 SH   SOLE 0 0 0 250
NEXTERA ENERGY INC COMMON STOCK 65339F101 897 8,635 SH   SOLE 0 8,435 0 200
NEXTERA ENERGY INC COMMON STOCK 65339F101 410 3,950 SH   DFND 0 3,950 0 0
NIKE INC CL B COMMON STOCK 654106103 419 6,710 SH   SOLE 0 6,710 0 0
NIKE INC CL B COMMON STOCK 654106103 118 1,890 SH   DFND 0 1,890 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 16 500 SH   SOLE 0 500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,064 12,578 SH   SOLE 0 12,378 0 200
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 127 1,500 SH   DFND 0 1,500 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 3 400 SH   SOLE 0 400 0 0
NORTHERN TIER ENERGY LP COMMON STOCK 665826103 23 900 SH   DFND 0 900 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 104 550 SH   SOLE 0 550 0 0
NORTHWEST BANCSHARES INC MD COMMON STOCK 667340103 15 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 43 1,501 SH   SOLE 0 1,501 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2,482 28,844 SH   SOLE 0 28,844 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 608 7,061 SH   DFND 0 7,061 0 0
NUCOR CORP COMMON STOCK 670346105 1,770 43,931 SH   SOLE 0 43,581 0 350
NUCOR CORP COMMON STOCK 670346105 346 8,577 SH   DFND 0 8,577 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 184 7,000 SH   SOLE 0 7,000 0 0
OGE ENERGY CORP COMMON STOCK 670837103 15 555 SH   DFND 0 555 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 83 1,230 SH   SOLE 0 1,230 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 3 597 SH   DFND 0 597 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 519 6,860 SH   SOLE 0 6,860 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 19 250 SH   DFND 0 250 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 12 400 SH   SOLE 0 400 0 0
ORACLE CORP COMMON STOCK 68389X105 367 10,057 SH   SOLE 0 10,057 0 0
ORACLE CORP COMMON STOCK 68389X105 5 140 SH   DFND 0 140 0 0
ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 17 1,000 SH   DFND 0 1,000 0 0
PDL BIOPHARMA INC COMMON STOCK 69329Y104 14 4,000 SH   DFND 0 4,000 0 0
PG&E CORP COMMON STOCK 69331C108 120 2,254 SH   SOLE 0 2,069 0 185
PG&E CORP COMMON STOCK 69331C108 150 2,815 SH   DFND 0 2,815 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 61 635 SH   SOLE 0 635 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 45 475 SH   DFND 0 475 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 258 2,614 SH   SOLE 0 2,614 0 0
PPL CORP COMMON STOCK 69351T106 335 9,814 SH   SOLE 0 9,814 0 0
PPL CORP COMMON STOCK 69351T106 7 200 SH   DFND 0 200 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 10 100 SH   SOLE 0 100 0 0
PAYCHEX INC COMMON STOCK 704326107 7 135 SH   SOLE 0 135 0 0
PAYCHEX INC COMMON STOCK 704326107 31 595 SH   DFND 0 595 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 128 3,370 SH   SOLE 0 3,370 0 0
PEPSICO INC COMMON STOCK 713448108 4,347 43,508 SH   SOLE 0 43,146 0 362
PEPSICO INC COMMON STOCK 713448108 1,501 15,024 SH   DFND 0 15,024 0 0
PFIZER INC COMMON STOCK 717081103 2,767 85,745 SH   SOLE 0 85,417 0 328
PFIZER INC COMMON STOCK 717081103 634 19,633 SH   DFND 0 19,633 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 517 5,878 SH   SOLE 0 5,878 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 103 1,170 SH   DFND 0 1,170 0 0
PHILLIPS 66 COMMON STOCK 718546104 271 3,307 SH   SOLE 0 3,307 0 0
PHILLIPS 66 COMMON STOCK 718546104 297 3,630 SH   DFND 0 3,630 0 0
PIEDMONT OFFICE REALTY REIT REAL ESTATE INVESTMENT TRUSTS 720190206 10 543 SH   SOLE 0 543 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF/FIXED INCOME 72201R783 7 80 SH   SOLE 0 80 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 74 738 SH   SOLE 0 492 0 246
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 397 3,944 SH   DFND 0 3,944 0 0
PIMCO DYNAMIC INCOME FD SHS ETF/FIXED INCOME 72201Y101 14 500 SH   SOLE 0 500 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 247 3,825 SH   SOLE 0 3,825 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 14 600 SH   SOLE 0 600 0 0
PLUM CREEK TIMBER CO INC COMMON STOCK 729251108 48 1,000 SH   SOLE 0 1,000 0 0
POLARIS INDS INC COMMON STOCK 731068102 9 100 SH   SOLE 0 100 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 486 28,393 SH   SOLE 0 27,893 0 500
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 88 5,125 SH   DFND 0 5,125 0 0
POWERSHARES QQQ TRUST UNIT SER 1 ETF/EQUITY 73935A104 29 255 SH   DFND 0 255 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 22 1,180 SH   DFND 0 1,180 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 769 30,000 SH   SOLE 0 30,000 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 32 1,250 SH   SOLE 0 1,250 0 0
POWERSHARES GLOBAL ETF TRUSTDEV MKTS EX-US ETF/INTERNATIONAL EQUITY 73936T789 1,254 34,650 SH   SOLE 0 34,450 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 12 170 SH   SOLE 0 170 0 0
PRICELINE.COM INC NEW COMMON STOCK 741503403 36 28 SH   SOLE 0 28 0 0
PRICELINE.COM INC NEW COMMON STOCK 741503403 18 14 SH   DFND 0 14 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,698 59,163 SH   SOLE 0 58,701 0 462
PROCTER & GAMBLE CO COMMON STOCK 742718109 814 10,247 SH   DFND 0 10,247 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 17 204 SH   SOLE 0 204 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 20 241 SH   DFND 0 241 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2,551 65,956 SH   SOLE 0 65,456 0 500
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 855 22,106 SH   DFND 0 22,106 0 0
QUALCOMM INC COMMON STOCK 747525103 323 6,460 SH   SOLE 0 6,460 0 0
QUALCOMM INC COMMON STOCK 747525103 107 2,145 SH   DFND 0 2,145 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102 4 180 SH   SOLE 0 180 0 0
QUEST DIAGNOSTICS COMMON STOCK 74834L100 7 105 SH   DFND 0 105 0 0
RLJ LODGING REAL ESTATE INVESTMENT TRUSTS 74965L101 21 957 SH   DFND 0 957 0 0
RPM INTL INC COMMON STOCK 749685103 9 200 SH   DFND 0 200 0 0
RAYTHEON CO NEW COMMON STOCK 755111507 31 250 SH   SOLE 0 250 0 0
RAYTHEON CO NEW COMMON STOCK 755111507 12 100 SH   DFND 0 100 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 11 238 SH   SOLE 0 238 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 46 1,006 SH   DFND 0 1,006 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 184 6,304 SH   SOLE 0 6,304 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 7 250 SH   DFND 0 250 0 0
RITE AID CORP COMMON STOCK 767754104 16 2,000 SH   SOLE 0 2,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 164 1,600 SH   SOLE 0 1,600 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 41 400 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 74 800 SH   DFND 0 800 0 0
ROGERS COMMUNICATIONS INC CL B COMMON STOCK 775109200 16 460 SH   DFND 0 460 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 443 8,265 SH   SOLE 0 8,265 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 72 1,350 SH   DFND 0 1,350 0 0
ROYAL BK SCOTLAND GROUP PLC SPONS ADR 20 ORD FOREIGN EQUITIES 780097689 0 51 SH   SOLE 0 51 0 0
ROYAL DUTCH SHELL PLC SPON ADR B FOREIGN EQUITIES 780259107 5 110 SH   DFND 0 110 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 366 7,997 SH   SOLE 0 7,997 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 9 200 SH   DFND 0 200 0 0
ROYAL GOLD INC COMMON STOCK 780287108 2 63 SH   DFND 0 63 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4,907 24,068 SH   SOLE 0 24,068 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 805 3,947 SH   DFND 0 3,947 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 10 100 SH   SOLE 0 100 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 9 85 SH   DFND 0 85 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 53 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 DOW JONES INTERNATIONALREAL ESTATE ETF/EQUITY 78463X863 5 124 SH   SOLE 0 124 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 32 950 SH   SOLE 0 950 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 75 2,205 SH   DFND 0 2,205 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 58 1,900 SH   SOLE 0 1,900 0 0
SPDR DOW JONES REIT ETF/EQUITY 78464A607 10 109 SH   SOLE 0 109 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 8 110 SH   DFND 0 110 0 0
SPDR SERIES TRUST S&P HOMEBUILD ETF/EQUITY 78464A888 6 175 SH   SOLE 0 175 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 6,590 135,625 SH   SOLE 0 135,325 0 300
SPDR DOW JONES INDL AVERAGE ETF ETF/EQUITY 78467X109 23 130 SH   SOLE 0 130 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 3,478 13,689 SH   SOLE 0 13,689 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,055 8,091 SH   DFND 0 8,091 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 4,079 158,825 SH   SOLE 0 158,125 0 700
SABINE ROYALTY TR UNIT BEN INT COMMON STOCK 785688102 5 200 SH   SOLE 0 200 0 0
SALESFORCE.COM INC. COMMON STOCK 79466L302 58 735 SH   SOLE 0 735 0 0
SALESFORCE.COM INC. COMMON STOCK 79466L302 28 357 SH   DFND 0 357 0 0
SCANA CORP NEW COMMON STOCK 80589M102 67 1,100 SH   SOLE 0 1,100 0 0
SCANA CORP NEW COMMON STOCK 80589M102 20 335 SH   DFND 0 335 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 989 14,176 SH   SOLE 0 13,976 0 200
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 35 495 SH   DFND 0 495 0 0
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 11 327 SH   DFND 0 327 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 659 12,663 SH   SOLE 0 12,663 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 29 556 SH   DFND 0 556 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 4 100 SH   SOLE 0 100 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 891 12,375 SH   SOLE 0 12,375 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 3 50 SH   SOLE 0 50 0 0
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 7 300 SH   SOLE 0 300 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 393 9,175 SH   SOLE 0 9,175 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 293 6,844 SH   DFND 0 6,844 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 55 1,275 SH   SOLE 0 1,275 0 0
SEMPRA ENERGY COMMON STOCK 816851109 1,535 16,325 SH   SOLE 0 16,075 0 250
SEMPRA ENERGY COMMON STOCK 816851109 282 3,000 SH   DFND 0 3,000 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 6 480 SH   DFND 0 480 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 69 1,700 SH   SOLE 0 1,700 0 0
SOUTHERN CO COMMON STOCK 842587107 388 8,301 SH   SOLE 0 8,301 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 89 3,711 SH   SOLE 0 3,433 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 87 3,620 SH   DFND 0 3,620 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 107 1,000 SH   SOLE 0 1,000 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 213 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 195 3,245 SH   SOLE 0 3,245 0 0
STARBUCKS CORP COMMON STOCK 855244109 9 158 SH   DFND 0 158 0 0
STATE STREET CORP COMMON STOCK 857477103 155 2,330 SH   SOLE 0 2,330 0 0
STATOIL ASA SPONSORED ADR FOREIGN EQUITIES 85771P102 4 300 SH   SOLE 0 300 0 0
STRYKER CORP COMMON STOCK 863667101 490 5,267 SH   SOLE 0 5,017 0 250
STRYKER CORP COMMON STOCK 863667101 56 600 SH   DFND 0 600 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 64 2,500 SH   SOLE 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,395 34,035 SH   SOLE 0 33,535 0 500
SYSCO CORP COMMON STOCK 871829107 394 9,600 SH   DFND 0 9,600 0 0
TECO ENERGY INC COMMON STOCK 872375100 3 100 SH   SOLE 0 100 0 0
TJX COS INC NEW COMMON STOCK 872540109 60 850 SH   SOLE 0 850 0 0
TJX COS INC NEW COMMON STOCK 872540109 36 511 SH   DFND 0 511 0 0
TARGET CORP COMMON STOCK 87612E106 449 6,183 SH   SOLE 0 6,183 0 0
TARGET CORP COMMON STOCK 87612E106 47 645 SH   DFND 0 645 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 17 187 SH   DFND 0 187 0 0
TELEFONICA S A SPONSORED ADR FOREIGN EQUITIES 879382208 4 325 SH   DFND 0 325 0 0
TENARIS S A SPONSORED ADR FOREIGN EQUITIES 88031M109 36 1,500 SH   SOLE 0 1,500 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 13 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 10 150 SH   DFND 0 150 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 804 14,670 SH   SOLE 0 14,270 0 400
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 134 2,450 SH   DFND 0 2,450 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 66 465 SH   SOLE 0 465 0 0
THOMSON REUTERS CORP COMMON STOCK 884903105 9 235 SH   DFND 0 235 0 0
3M COMPANY COMMON STOCK 88579Y101 3,903 25,909 SH   SOLE 0 25,909 0 0
3M COMPANY COMMON STOCK 88579Y101 665 4,416 SH   DFND 0 4,416 0 0
TIER REIT, INC (FKA REIT I, INC) COMMON STOCK 88650V208 3 217 SH   SOLE 0 217 0 0
TIME WARNER INC NEW COMMON STOCK 887317303 10 159 SH   SOLE 0 159 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 255 4,543 SH   SOLE 0 4,543 0 0
TONIX PHARMACEUTICALS COMMON STOCK 890260201 10 1,362 SH   SOLE 0 1,362 0 0
TORONTO DOMINION BANK NEW FOREIGN EQUITIES 891160509 528 13,475 SH   SOLE 0 13,475 0 0
TORONTO DOMINION BANK NEW FOREIGN EQUITIES 891160509 42 1,075 SH   DFND 0 1,075 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 317 7,060 SH   SOLE 0 7,060 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 103 2,300 SH   DFND 0 2,300 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 25 200 SH   SOLE 0 200 0 0
TRANSCANADA CORP COMMON STOCK 89353D107 3 100 SH   SOLE 0 100 0 0
TRANSCANADA CORP COMMON STOCK 89353D107 9 290 SH   DFND 0 290 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 38 335 SH   DFND 0 335 0 0
TRI CONTINENTAL CORP MUTUAL FUND EQUITIES 895436103 136 6,800 SH   SOLE 0 6,800 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 5 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 1 22 SH   DFND 0 22 0 0
US BANCORP DEL NEW COMMON STOCK 902973304 1,590 37,271 SH   SOLE 0 36,532 0 739
US BANCORP DEL NEW COMMON STOCK 902973304 170 3,982 SH   DFND 0 3,982 0 0
UNDER ARMOUR INC CL A COMMON STOCK 904311107 40 500 SH   SOLE 0 500 0 0
UNILEVER PLC SPON ADR NEW FOREIGN EQUITIES 904767704 4 100 SH   DFND 0 100 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 31 400 SH   SOLE 0 400 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 49 632 SH   DFND 0 632 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,474 15,320 SH   SOLE 0 15,224 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 155 1,608 SH   DFND 0 1,608 0 0
UNITED STATES STL CORP NEW COMMON STOCK 912909108 0 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,554 26,582 SH   SOLE 0 26,296 0 286
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 459 4,775 SH   DFND 0 4,775 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,177 10,005 SH   SOLE 0 9,755 0 250
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 32 275 SH   DFND 0 275 0 0
V F CORP COMMON STOCK 918204108 367 5,891 SH   SOLE 0 5,591 0 300
V F CORP COMMON STOCK 918204108 19 300 SH   DFND 0 300 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 58 821 SH   SOLE 0 821 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 629 8,094 SH   SOLE 0 8,094 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 539 6,928 SH   DFND 0 6,928 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 265 3,185 SH   SOLE 0 3,185 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 38 460 SH   DFND 0 460 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 3,887 48,862 SH   SOLE 0 48,217 0 645
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 231 2,902 SH   DFND 0 2,902 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 2,097 25,962 SH   SOLE 0 25,067 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 797 9,864 SH   DFND 0 9,864 0 0
VANGUARD TAX MANAGED INTL FDMSCI EAFE ETF ETF/INTERNATIONAL EQUITY 921943858 87 2,366 SH   SOLE 0 2,366 0 0
VANGUARD TAX MANAGED INTL FDMSCI EAFE ETF ETF/INTERNATIONAL EQUITY 921943858 117 3,195 SH   DFND 0 3,195 0 0
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 4 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 680 14,030 SH   SOLE 0 14,030 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 225 4,650 SH   DFND 0 4,650 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 445 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 2 20 SH   DFND 0 20 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 263 2,800 SH   SOLE 0 2,800 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US ETF/INTERNATIONAL EQUITY 922042775 4 85 SH   DFND 0 85 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 700 21,402 SH   SOLE 0 21,402 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 203 6,205 SH   DFND 0 6,205 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 4,791 60,652 SH   SOLE 0 60,652 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 1,208 15,298 SH   DFND 0 15,298 0 0
VENTAS INC COMMON STOCK 92276F100 14 247 SH   SOLE 0 247 0 0
VENTAS INC COMMON STOCK 92276F100 18 315 SH   DFND 0 315 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 15 78 SH   DFND 0 78 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF/EQUITY 922908512 17 200 SH   DFND 0 200 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 77 775 SH   SOLE 0 775 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 1,632 20,475 SH   SOLE 0 20,475 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 24 295 SH   DFND 0 295 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF/EQUITY 922908595 44 360 SH   SOLE 0 360 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF/EQUITY 922908595 17 140 SH   DFND 0 140 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 20 200 SH   SOLE 0 200 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 65 655 SH   DFND 0 655 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 150 1,245 SH   SOLE 0 1,245 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 205 1,850 SH   SOLE 0 1,850 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF/EQUITY 922908769 6,759 64,800 SH   DFND 0 64,800 0 0
VERIFONE SYS INC COMMON STOCK 92342Y109 14 500 SH   SOLE 0 500 0 0
VERIFONE SYS INC COMMON STOCK 92342Y109 3 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,665 100,928 SH   SOLE 0 100,345 0 583
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,433 31,009 SH   DFND 0 31,009 0 0
VIACOM INC NEW CL B COMMON STOCK 92553P201 10 250 SH   SOLE 0 250 0 0
VISA INC CL A COMMON STOCK 92826C839 312 4,023 SH   SOLE 0 4,023 0 0
VISA INC CL A COMMON STOCK 92826C839 32 412 SH   DFND 0 412 0 0
VM WARE COMMON STOCK 928563402 13 230 SH   SOLE 0 230 0 0
VM WARE COMMON STOCK 928563402 8 140 SH   DFND 0 140 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 9 291 SH   SOLE 0 291 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 14 421 SH   DFND 0 421 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 277 4,400 SH   SOLE 0 4,400 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 215 4,199 SH   SOLE 0 4,199 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,927 31,443 SH   SOLE 0 31,331 0 112
WAL MART STORES INC COMMON STOCK 931142103 463 7,548 SH   DFND 0 7,548 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 639 7,500 SH   SOLE 0 7,500 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 52 605 SH   DFND 0 605 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 21 400 SH   SOLE 0 400 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 25 475 SH   DFND 0 475 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,768 32,518 SH   SOLE 0 32,038 0 480
WELLS FARGO & CO NEW COMMON STOCK 949746101 207 3,817 SH   DFND 0 3,817 0 0
WHITEWAVE FOODS CO COMMON STOCK 966244105 14 350 SH   SOLE 0 350 0 0
WILLIAMS COS INC DEL COMMON STOCK 969457100 10 400 SH   SOLE 0 400 0 0
WILLIAMS COS INC DEL COMMON STOCK 969457100 6 225 SH   DFND 0 225 0 0
WINDSTREAM HLDGS INC COMMON STOCK 97382A200 0 17 SH   SOLE 0 17 0 0
WINDSTREAM HLDGS INC COMMON STOCK 97382A200 1 167 SH   DFND 0 167 0 0
WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 1,093 18,495 SH   SOLE 0 18,495 0 0
WISDOMTREE TR BLMBG US BULL ETF/OTHER 97717W471 1,858 67,900 SH   SOLE 0 67,705 0 195
WISDOMTREE TR JPN SCAP HDG EQT ETF/INTERNATIONAL EQUITY 97717W521 1,112 32,700 SH   SOLE 0 32,500 0 200
YAHOO INC COMMON STOCK 984332106 17 500 SH   SOLE 0 500 0 0
YAHOO INC COMMON STOCK 984332106 20 600 SH   DFND 0 600 0 0
YOU ON DEMAND HOLDINGS INC COMMON STOCK 98741R207 0 200 SH   SOLE 0 200 0 0
YUM BRANDS INC COMMON STOCK 988498101 11 150 SH   SOLE 0 150 0 0