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 BUSINESS PARTNERSUNIT LTD LP FOREIGN EQUITIES G16234109 0 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS PARTNERSHIPS G16249107 1 38 SH   DFND 0 38 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT PARTNERSHIPS G16252101 1 27 SH   DFND 0 27 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 99 1,660 SH   SOLE 0 1,660 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 28 473 SH   DFND 0 473 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 792 9,126 SH   SOLE 0 9,126 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 121 1,396 SH   DFND 0 1,396 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 112 13,635 SH   SOLE 0 13,635 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 3 400 SH   DFND 0 400 0 0
OCEAN RIG UDW INC SHS FOREIGN EQUITIES G66964100 0 2 SH   SOLE 0 2 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 6 265 SH   DFND 0 265 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 910 6,965 SH   SOLE 0 6,965 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 154 1,177 SH   DFND 0 1,177 0 0
ASML HOLDING NV ADR FOREIGN EQUITIES N07059210 9 86 SH   DFND 0 86 0 0
BROADCOM LTD FOREIGN EQUITIES Y09827109 38 245 SH   SOLE 0 245 0 0
BROADCOM LTD FOREIGN EQUITIES Y09827109 20 130 SH   DFND 0 130 0 0
DIANA CONTAINERSHIPS INC SHS NEW COMMON STOCK Y2069P127 0 4 SH   SOLE 0 4 0 0
AGL RESOURCES INC COMMON STOCK 001204106 17 251 SH   SOLE 0 251 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 10 250 SH   SOLE 0 250 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 2,012 158,179 SH   SOLE 0 157,804 0 375
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 164 12,871 SH   DFND 0 12,871 0 0
AT&T INC COMMON STOCK 00206R102 6,891 159,515 SH   SOLE 0 159,305 0 210
AT&T INC COMMON STOCK 00206R102 1,948 45,095 SH   DFND 0 45,095 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 1,532 38,960 SH   SOLE 0 38,960 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 196 4,990 SH   DFND 0 4,990 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,984 48,202 SH   SOLE 0 48,202 0 0
ABBVIE INC COMMON STOCK 00287Y109 449 7,255 SH   DFND 0 7,255 0 0
AETNA INC COMMON STOCK 00817Y108 61 500 SH   DFND 0 500 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 22 155 SH   SOLE 0 155 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 17 120 SH   DFND 0 120 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 281 1,975 SH   SOLE 0 1,975 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 28 200 SH   DFND 0 200 0 0
ALCOA INC COMMON STOCK 013817101 12 1,259 SH   SOLE 0 1,259 0 0
ALCOA INC COMMON STOCK 013817101 40 4,300 SH   DFND 0 4,300 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 168 4,230 SH   DFND 0 4,230 0 0
ALLSTATE CORP COMMON STOCK 020002101 18 255 SH   SOLE 0 255 0 0
ALLSTATE CORP COMMON STOCK 020002101 11 160 SH   DFND 0 160 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 74 107 SH   SOLE 0 107 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 14 20 SH   DFND 0 20 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 98 139 SH   SOLE 0 139 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 28 40 SH   DFND 0 40 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 838 12,153 SH   SOLE 0 12,153 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 138 2,006 SH   DFND 0 2,006 0 0
AMAZON.COM INC COMMON STOCK 023135106 18 25 SH   SOLE 0 25 0 0
AMAZON.COM INC COMMON STOCK 023135106 10 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 178 3,322 SH   SOLE 0 3,322 0 0
AMERICAN CAMPUS COMMUNITIES COMMON STOCK 024835100 5 100 SH   DFND 0 100 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 267 3,816 SH   SOLE 0 3,816 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 240 3,419 SH   DFND 0 3,419 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 605 9,955 SH   SOLE 0 9,955 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 32 525 SH   DFND 0 525 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 0 10 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 21 235 SH   SOLE 0 235 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 9 100 SH   DFND 0 100 0 0
AMERIGAS PARTNERS LP COMMON STOCK 030975106 37 800 SH   DFND 0 800 0 0
AMGEN INC COMMON STOCK 031162100 923 6,065 SH   SOLE 0 6,065 0 0
AMGEN INC COMMON STOCK 031162100 327 2,150 SH   DFND 0 2,150 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 32 600 SH   SOLE 0 600 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 9 167 SH   DFND 0 167 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 17 300 SH   SOLE 0 300 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR FOREIGN EQUITIES 03524A108 13 100 SH   SOLE 0 100 0 0
ANNALY CAPITAL MANAGEMENT COMMON STOCK 035710409 6 500 SH   SOLE 0 500 0 0
ANTHEM INC COMMON STOCK 036752103 348 2,650 SH   SOLE 0 2,650 0 0
APACHE CORP COMMON STOCK 037411105 412 7,393 SH   SOLE 0 7,393 0 0
APACHE CORP COMMON STOCK 037411105 4 80 SH   DFND 0 80 0 0
APPLE INC COMMON STOCK 037833100 9,311 97,391 SH   SOLE 0 97,391 0 0
APPLE INC COMMON STOCK 037833100 286 2,991 SH   DFND 0 2,991 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 25 1,048 SH   SOLE 0 1,048 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 18 735 SH   DFND 0 735 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 83 2,325 SH   SOLE 0 2,325 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 6 150 SH   DFND 0 150 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 15 504 SH   SOLE 0 504 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 188 6,202 SH   DFND 0 6,202 0 0
ASCENT CAP GROUP INC COM SER A COMMON STOCK 043632108 0 2 SH   SOLE 0 2 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 15 1,000 SH   SOLE 0 1,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,517 16,514 SH   SOLE 0 16,374 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 421 4,582 SH   DFND 0 4,582 0 0
AVANGRID INC COMMON STOCK 05351W103 5 100 SH   SOLE 0 0 0 100
BB&T CORP COMMON STOCK 054937107 37 1,050 SH   SOLE 0 1,050 0 0
BB&T CORP COMMON STOCK 054937107 7 200 SH   DFND 0 200 0 0
BHP BILLITON PLC SPONSORED ADR COMMON STOCK 05545E209 10 400 SH   SOLE 0 400 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 23 650 SH   DFND 0 650 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 80 6,010 SH   SOLE 0 6,010 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 15 1,150 SH   DFND 0 1,150 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 7 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 196 5,042 SH   SOLE 0 5,042 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 337 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 8 375 SH   SOLE 0 375 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 14 675 SH   DFND 0 675 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 23 500 SH   SOLE 0 500 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 7 155 SH   DFND 0 155 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 520 3,065 SH   SOLE 0 3,065 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 271 1,600 SH   DFND 0 1,600 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 101 2,335 SH   SOLE 0 2,335 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 4 93 SH   DFND 0 93 0 0
BEMIS CO INC COMMON STOCK 081437105 693 13,450 SH   SOLE 0 13,450 0 0
BEMIS CO INC COMMON STOCK 081437105 257 5,000 SH   DFND 0 5,000 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 183 1,266 SH   SOLE 0 1,266 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 72 494 SH   DFND 0 494 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 37 1,391 SH   DFND 0 1,391 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 686 24,025 SH   SOLE 0 24,025 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 125 4,365 SH   DFND 0 4,365 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204 0 250 SH   DFND 0 250 0 0
BIOGEN INC COMMON STOCK 09062X103 193 800 SH   DFND 0 800 0 0
BIOTELEMETRY INC COMMON STOCK 090672106 49 3,000 SH   SOLE 0 3,000 0 0
BLACK HILLS CORP COMMON STOCK 092113109 6 100 SH   DFND 0 100 0 0
BLACKROCK INC COMMON STOCK 09247X101 32 93 SH   DFND 0 93 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 37 1,500 SH   SOLE 0 1,500 0 0
BLACKROCK NY MUNI INC QLTY TCOM NY TAX EXEMPT 09249U105 8 510 SH   SOLE 0 510 0 0
THE BLACKSTONE GROUP L P COMMON STOCK 09253U108 2 100 SH   DFND 0 100 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 59 3,835 SH   SOLE 0 3,835 0 0
BOEING COMPANY COMMON STOCK 097023105 434 3,339 SH   SOLE 0 3,339 0 0
BOEING COMPANY COMMON STOCK 097023105 37 285 SH   DFND 0 285 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 6 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,259 17,114 SH   SOLE 0 16,881 0 233
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 916 12,461 SH   DFND 0 12,461 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103 13 200 SH   DFND 0 200 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 34 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 72 1,025 SH   DFND 0 1,025 0 0
CBS CORP CLASS B COMMON STOCK 124857202 11 200 SH   SOLE 0 200 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 9 165 SH   SOLE 0 165 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 639 8,610 SH   SOLE 0 8,610 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 33 450 SH   DFND 0 450 0 0
CMS ENERGY CORP COMMON STOCK 125896100 30 650 SH   DFND 0 650 0 0
CSX CORP COMMON STOCK 126408103 15 585 SH   SOLE 0 585 0 0
CSX CORP COMMON STOCK 126408103 78 3,000 SH   DFND 0 3,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 794 8,290 SH   SOLE 0 8,290 0 0
CVS HEALTH CORP COMMON STOCK 126650100 14 143 SH   DFND 0 143 0 0
CAESARS ACQUISITION CO CL A COMMON STOCK 12768T103 22 2,000 SH   SOLE 0 2,000 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 12 150 SH   SOLE 0 150 0 0
CARE CAP PPTYS INC COMMON STOCK 141624106 1 49 SH   DFND 0 49 0 0
CATERPILLAR INC COMMON STOCK 149123101 810 10,682 SH   SOLE 0 10,682 0 0
CATERPILLAR INC COMMON STOCK 149123101 230 3,036 SH   DFND 0 3,036 0 0
CELGENE CORP COMMON STOCK 151020104 179 1,818 SH   SOLE 0 1,818 0 0
CELGENE CORP COMMON STOCK 151020104 219 2,219 SH   DFND 0 2,219 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH   SOLE 0 100 0 0
CENTURYLINK INC COMMON STOCK 156700106 15 529 SH   SOLE 0 529 0 0
CENTURYLINK INC COMMON STOCK 156700106 9 300 SH   DFND 0 300 0 0
CERNER CORP COMMON STOCK 156782104 18 315 SH   SOLE 0 315 0 0
CERNER CORP COMMON STOCK 156782104 10 175 SH   DFND 0 175 0 0
CHEVRON CORP COMMON STOCK 166764100 2,734 26,081 SH   SOLE 0 26,009 0 72
CHEVRON CORP COMMON STOCK 166764100 866 8,262 SH   DFND 0 8,262 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 18 45 SH   SOLE 0 45 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 10 26 SH   DFND 0 26 0 0
CINCINNATI FINL CORP COMMON STOCK 172062101 7 100 SH   DFND 0 100 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,333 116,206 SH   SOLE 0 116,206 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 771 26,869 SH   DFND 0 26,869 0 0
CITIGROUP INC COMMON STOCK 172967424 9 210 SH   SOLE 0 210 0 0
CITIGROUP INC COMMON STOCK 172967424 12 275 SH   DFND 0 275 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 955 44,380 SH   SOLE 0 43,740 0 640
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY ETF/FIXED INCOME 18383M399 135 5,225 SH   SOLE 0 5,225 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 8 375 SH   SOLE 0 375 0 0
COCA COLA COMPANY COMMON STOCK 191216100 4,432 97,790 SH   SOLE 0 97,579 0 211
COCA COLA COMPANY COMMON STOCK 191216100 1,464 32,309 SH   DFND 0 32,309 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 450 6,154 SH   SOLE 0 6,154 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 574 7,836 SH   DFND 0 7,836 0 0
COLUMBIA PROPERTY TRUST INC COMMON STOCK 198287203 2 98 SH   SOLE 0 98 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 920 14,111 SH   SOLE 0 14,111 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 136 2,093 SH   DFND 0 2,093 0 0
COMMUNICATIONS SALES&LEAS IN COMMON STOCK 20341J104 6 200 SH   DFND 0 200 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 749 18,225 SH   SOLE 0 18,225 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,591 36,507 SH   SOLE 0 36,365 0 142
CONOCOPHILLIPS COMMON STOCK 20825C104 309 7,081 SH   DFND 0 7,081 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 593 7,366 SH   SOLE 0 7,366 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 161 2,001 SH   DFND 0 2,001 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 198 1,200 SH   SOLE 0 1,200 0 0
CORNING INC COMMON STOCK 219350105 120 5,845 SH   SOLE 0 5,845 0 0
CORNING INC COMMON STOCK 219350105 44 2,139 SH   DFND 0 2,139 0 0
COSTCO COMMON STOCK 22160K105 66 420 SH   SOLE 0 420 0 0
COSTCO COMMON STOCK 22160K105 20 125 SH   DFND 0 125 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344208 0 22 SH   DFND 0 22 0 0
CRYOPORT INC COMMON STOCK 229050307 4 2,000 SH   DFND 0 2,000 0 0
CUMMINS INC COMMON STOCK 231021106 1,245 11,074 SH   SOLE 0 11,039 0 35
CUMMINS INC COMMON STOCK 231021106 118 1,050 SH   DFND 0 1,050 0 0
CYNOSURE INC CLASS A COMMON STOCK 232577205 5 100 SH   DFND 0 100 0 0
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 5 485 SH   SOLE 0 485 0 0
DBX ETF TR XTRAK MSCI EAFE ETF/INTERNATIONAL EQUITY 233051200 144 5,775 SH   SOLE 0 5,775 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 132 2,084 SH   SOLE 0 1,924 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 163 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 13 155 SH   SOLE 0 155 0 0
DELTA AIR LINES INC COMMON STOCK 247361702 1 25 SH   DFND 0 25 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 33 900 SH   SOLE 0 900 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 36 327 SH   DFND 0 327 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,160 22,078 SH   SOLE 0 22,078 0 0
WALT DISNEY CO COMMON STOCK 254687106 194 1,988 SH   DFND 0 1,988 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 2,282 29,282 SH   SOLE 0 29,182 0 100
DOMINION RESOURCES INC COMMON STOCK 25746U109 966 12,400 SH   DFND 0 12,400 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 2,445 49,201 SH   SOLE 0 48,799 0 402
DOW CHEMICAL CO COMMON STOCK 260543103 419 8,423 SH   DFND 0 8,423 0 0
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 660 10,189 SH   SOLE 0 10,020 0 169
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 209 3,232 SH   DFND 0 3,232 0 0
DUFF & PHELPS GLB UTL INC FD MUTUAL FUNDS INTL EQUITIES 26433C105 10 600 SH   SOLE 0 0 0 600
DUKE ENERGY CORP COMMON STOCK 26441C204 386 4,498 SH   SOLE 0 4,498 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 30 345 SH   DFND 0 345 0 0
EMC CORP COMMON STOCK 268648102 690 25,410 SH   SOLE 0 25,410 0 0
EMC CORP COMMON STOCK 268648102 42 1,534 SH   DFND 0 1,534 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 300 3,595 SH   SOLE 0 3,595 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 12 140 SH   DFND 0 140 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 61 892 SH   SOLE 0 892 0 0
ECOLAB INC COMMON STOCK 278865100 17 140 SH   SOLE 0 140 0 0
ECOLAB INC COMMON STOCK 278865100 4 35 SH   DFND 0 35 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 7 70 SH   SOLE 0 70 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,841 35,300 SH   SOLE 0 35,300 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 259 4,970 SH   DFND 0 4,970 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 15 345 SH   DFND 0 345 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON STOCK 29250R106 5 200 SH   DFND 0 200 0 0
ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 4 100 SH   DFND 0 100 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 10 700 SH   DFND 0 700 0 0
ENTERGY CORP COMMON STOCK 29364G103 8 100 SH   DFND 0 100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 178 6,088 SH   SOLE 0 5,784 0 304
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 6 200 SH   DFND 0 200 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 28 400 SH   SOLE 0 400 0 0
EXACT SCIENCES CORP COMMON STOCK 30063P105 1 100 SH   DFND 0 100 0 0
EXELON CORP COMMON STOCK 30161N101 1,195 32,876 SH   SOLE 0 32,876 0 0
EXELON CORP COMMON STOCK 30161N101 323 8,875 SH   DFND 0 8,875 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 58 759 SH   SOLE 0 759 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 21 275 SH   DFND 0 275 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,130 76,061 SH   SOLE 0 75,961 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 2,151 22,950 SH   DFND 0 22,950 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 45 395 SH   SOLE 0 395 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 26 225 SH   DFND 0 225 0 0
FASTENAL CO COMMON STOCK 311900104 200 4,500 SH   SOLE 0 4,500 0 0
FASTENAL CO COMMON STOCK 311900104 133 3,000 SH   DFND 0 3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 46 306 SH   SOLE 0 306 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 12 655 SH   DFND 0 655 0 0
FIRST NIAGARA FINANCIAL GRP COMMON STOCK 33582V108 10 1,000 SH   SOLE 0 1,000 0 0
FIRST TRUST CONS DISC ETF ETF/EQUITY 33734X101 8 251 SH   SOLE 0 251 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 97 7,745 SH   SOLE 0 7,745 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 31 2,470 SH   DFND 0 2,470 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 10 132 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 9 1,732 SH   DFND 0 1,732 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 306 2,200 SH   SOLE 0 2,200 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 84 600 SH   DFND 0 600 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 5,838 185,508 SH   SOLE 0 185,258 0 250
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,802 57,251 SH   DFND 0 57,251 0 0
GENERAL MILLS INC COMMON STOCK 370334104 2,005 28,119 SH   SOLE 0 28,119 0 0
GENERAL MILLS INC COMMON STOCK 370334104 713 10,005 SH   DFND 0 10,005 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 10 350 SH   SOLE 0 350 0 0
GENUINE PARTS CO COMMON STOCK 372460105 46 450 SH   SOLE 0 450 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 344 4,120 SH   SOLE 0 4,120 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 199 2,390 SH   DFND 0 2,390 0 0
GLAXOSMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 12 271 SH   DFND 0 271 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 22 150 SH   SOLE 0 150 0 0
GRAMERCY PROPERTY TRUST COMMON STOCK 385002100 12 1,266 SH   SOLE 0 1,266 0 0
HCP INC COMMON STOCK 40414L109 97 2,754 SH   SOLE 0 2,754 0 0
HCP INC COMMON STOCK 40414L109 81 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 52 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 61 1,350 SH   SOLE 0 1,350 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 0 12 SH   SOLE 0 12 0 0
HANCOCK JOHN PREMUIM DIV FD COM SH BEN INT MUTUAL FUND EQUITIES 41013T105 9 530 SH   SOLE 0 530 0 0
HANCOCK JOHN TAX-ADV DIV INCCOM MUTUAL FUND EQUITIES 41013V100 10 382 SH   SOLE 0 382 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 9 200 SH   SOLE 0 200 0 0
HASBRO INC COMMON STOCK 418056107 70 830 SH   DFND 0 830 0 0
HERSHEY CO COMMON STOCK 427866108 170 1,500 SH   SOLE 0 1,500 0 0
HERSHEY CO COMMON STOCK 427866108 113 1,000 SH   DFND 0 1,000 0 0
HIMAX TECHNOLOGIES INC ADR FOREIGN EQUITIES 43289P106 4 525 SH   SOLE 0 525 0 0
HOME DEPOT INC COMMON STOCK 437076102 621 4,863 SH   SOLE 0 4,863 0 0
HOME DEPOT INC COMMON STOCK 437076102 242 1,899 SH   DFND 0 1,899 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 432 3,710 SH   SOLE 0 3,710 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 42 360 SH   DFND 0 360 0 0
HOST HOTELS & RESORTS INC COMMON STOCK 44107P104 3 176 SH   SOLE 0 176 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,345 22,510 SH   SOLE 0 22,510 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 414 3,970 SH   DFND 0 3,970 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 31 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 4,088 124,688 SH   SOLE 0 124,133 0 555
INTEL CORP COMMON STOCK 458140100 918 28,008 SH   DFND 0 28,008 0 0
INSYS THERAPEUTICS INC COMMON STOCK 45824V209 13 1,000 SH   SOLE 0 1,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 7,887 51,965 SH   SOLE 0 51,965 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 12,387 81,612 SH   DFND 0 81,612 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 16 366 SH   SOLE 0 366 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 14 335 SH   DFND 0 335 0 0
IONIS PHARMACEUTICAL INC COMMON STOCK 462222100 3 123 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 13 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 33 1,872 SH   DFND 0 1,872 0 0
ISHS MSCI GLOBAL GOLD MINERS ETF/INTERNATIONAL EQUITY 464286335 4 300 SH   SOLE 0 300 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 207 8,459 SH   SOLE 0 8,459 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 43 1,750 SH   DFND 0 1,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 3,588 69,555 SH   SOLE 0 69,455 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 148 1,734 SH   SOLE 0 1,734 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 81 696 SH   SOLE 0 696 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 28,207 134,000 SH   SOLE 0 134,000 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 3,764 33,425 SH   SOLE 0 33,425 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 10 85 SH   DFND 0 85 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 78 2,284 SH   SOLE 0 2,284 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 17 505 SH   DFND 0 505 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 222 1,808 SH   SOLE 0 1,639 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 243 1,982 SH   DFND 0 1,982 0 0
ISHARES S&P 500 GROWTH ETF/EQUITY 464287309 38 325 SH   SOLE 0 325 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 32 315 SH   SOLE 0 315 0 0
ISHARES S&P 500 VALUE ETF/EQUITY 464287408 498 5,360 SH   SOLE 0 5,360 0 0
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 679 7,961 SH   SOLE 0 7,871 0 90
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 79 923 SH   DFND 0 923 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,217 21,804 SH   SOLE 0 21,804 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,016 18,212 SH   DFND 0 18,212 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 2,593 34,907 SH   SOLE 0 34,907 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 149 2,000 SH   DFND 0 2,000 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8,803 58,929 SH   SOLE 0 58,859 0 70
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 319 2,137 SH   DFND 0 2,137 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4,071 39,438 SH   SOLE 0 39,313 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,642 15,910 SH   DFND 0 15,910 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 181 1,070 SH   SOLE 0 1,070 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 4,529 45,123 SH   SOLE 0 44,923 0 200
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 2,008 20,006 SH   DFND 0 20,006 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 111 965 SH   DFND 0 965 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 8,277 71,224 SH   SOLE 0 71,149 0 75
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 2,100 18,067 SH   DFND 0 18,067 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 234 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SM CAP ETF ETF/INTERNATIONAL EQUITY 464288273 140 2,900 SH   SOLE 0 2,900 0 0
ISHARES TR NATIONAL MUN ETF ETF/EQUITY 464288414 57 500 SH   SOLE 0 500 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 37 1,275 SH   SOLE 0 1,275 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,634 31,100 SH   SOLE 0 31,100 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 112 1,326 SH   DFND 0 1,326 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 513 50,000 SH   SOLE 0 50,000 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 44 395 SH   SOLE 0 395 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 106 955 SH   DFND 0 955 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 878 8,277 SH   SOLE 0 8,077 0 200
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 703 6,626 SH   DFND 0 6,626 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,139 78,714 SH   SOLE 0 78,714 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 11 270 SH   DFND 0 270 0 0
ISHARES TR FLTG RATE BD ETF ETF/FIXED INCOME 46429B655 1,012 20,000 SH   SOLE 0 20,000 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 448 5,450 SH   SOLE 0 5,250 0 200
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 6,312 95,094 SH   SOLE 0 94,929 0 165
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 11,684 252,895 SH   SOLE 0 252,270 0 625
ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 13 125 SH   SOLE 0 125 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 15,742 303,430 SH   SOLE 0 303,230 0 200
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 75 1,448 SH   DFND 0 1,448 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 2,887 69,000 SH   SOLE 0 69,000 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 3,227 51,937 SH   SOLE 0 51,937 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 446 7,171 SH   DFND 0 7,171 0 0
J P MORGAN EXCHANGE TRADED FDIV RTN INT EQ ETF/INTERNATIONAL EQUITY 46641Q209 1,828 36,955 SH   SOLE 0 36,850 0 105
JOHNSON & JOHNSON COMMON STOCK 478160104 7,515 61,950 SH   SOLE 0 61,761 0 189
JOHNSON & JOHNSON COMMON STOCK 478160104 2,399 19,776 SH   DFND 0 19,776 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 329 7,440 SH   SOLE 0 7,440 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 26 588 SH   DFND 0 588 0 0
KEYCORP COMMON STOCK 493267108 133 12,075 SH   SOLE 0 12,075 0 0
KEYCORP COMMON STOCK 493267108 6 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 70 510 SH   SOLE 0 510 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 551 4,005 SH   DFND 0 4,005 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 12 657 SH   SOLE 0 657 0 0
KOHLS CORP COMMON STOCK 500255104 3 75 SH   SOLE 0 75 0 0
KOHLS CORP COMMON STOCK 500255104 17 460 SH   DFND 0 460 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 788 8,907 SH   SOLE 0 8,907 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 246 2,782 SH   DFND 0 2,782 0 0
KROGER COMPANY COMMON STOCK 501044101 34 930 SH   SOLE 0 930 0 0
KROGER COMPANY COMMON STOCK 501044101 18 500 SH   DFND 0 500 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 2 12 SH   SOLE 0 12 0 0
LIBERTY INTERACTIVE CORP QVC GP COM SER A COMMON STOCK 53071M104 3 100 SH   SOLE 0 100 0 0
LIBERTY INTERACTIVE CORP LBT VENT COM A COMMON STOCK 53071M880 1 30 SH   SOLE 0 30 0 0
LIBERTY TRIPADVISOR HLDGS INCOM SER A COMMON STOCK 531465102 0 16 SH   SOLE 0 16 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 93 1,177 SH   SOLE 0 1,177 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 96 1,216 SH   DFND 0 1,216 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 195 787 SH   SOLE 0 787 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 74 300 SH   DFND 0 300 0 0
LOEWS CORP COMMON STOCK 540424108 53 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 898 11,345 SH   SOLE 0 11,345 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 70 889 SH   DFND 0 889 0 0
M & T BANK CORP COMMON STOCK 55261F104 224 1,898 SH   SOLE 0 1,898 0 0
M & T BANK CORP COMMON STOCK 55261F104 974 8,234 SH   DFND 0 8,234 0 0
MGE ENERGY INC COMMON STOCK 55277P104 14 240 SH   SOLE 0 240 0 0
MANNATECH INC COMMON STOCK 563771203 1 40 SH   DFND 0 40 0 0
MARATHON OIL CORP COMMON STOCK 565849106 9 600 SH   SOLE 0 600 0 0
MARATHON OIL CORP COMMON STOCK 565849106 2 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 8 200 SH   SOLE 0 200 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 13 344 SH   DFND 0 344 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 36 535 SH   SOLE 0 535 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 18 205 SH   SOLE 0 205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,241 10,314 SH   SOLE 0 10,226 0 88
MCDONALDS CORP COMMON STOCK 580135101 266 2,209 SH   DFND 0 2,209 0 0
MCKESSON CORP COMMON STOCK 58155Q103 373 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 17 1,100 SH   DFND 0 1,100 0 0
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 145 4,750 SH   SOLE 0 4,750 0 0
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 91 3,000 SH   DFND 0 3,000 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 4,522 78,498 SH   SOLE 0 78,310 0 188
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,153 20,006 SH   DFND 0 20,006 0 0
MERCURY GENERAL CORP COMMON STOCK 589400100 5 100 SH   DFND 0 100 0 0
METLIFE INC COMMON STOCK 59156R108 14 359 SH   SOLE 0 359 0 0
METLIFE INC COMMON STOCK 59156R108 16 400 SH   DFND 0 400 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,062 59,853 SH   SOLE 0 59,578 0 275
MICROSOFT CORP COMMON STOCK 594918104 685 13,391 SH   DFND 0 13,391 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 22 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTERNATIONAL INC CLASS A COMMON STOCK 609207105 8 173 SH   SOLE 0 173 0 0
MONDELEZ INTERNATIONAL INC CLASS A COMMON STOCK 609207105 20 439 SH   DFND 0 439 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 841 8,131 SH   SOLE 0 8,131 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 83 800 SH   DFND 0 800 0 0
MORGAN STANLEY COMMON STOCK 617446448 79 3,050 SH   SOLE 0 3,050 0 0
MOSAIC COMPANY COMMON STOCK 61945C103 1 23 SH   SOLE 0 23 0 0
NBT BANCORP INC COMMON STOCK 628778102 538 18,791 SH   SOLE 0 18,791 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,272 44,424 SH   DFND 0 44,424 0 0
NRG ENERGY INC COMMON STOCK 629377508 1 34 SH   SOLE 0 34 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 125 2,200 SH   DFND 0 2,200 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 19 250 SH   SOLE 0 250 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 23 309 SH   DFND 0 309 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 28 1,860 SH   SOLE 0 1,860 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 45 3,000 SH   DFND 0 3,000 0 0
NEXSTAR BROADCASTING GROUP ICL A COMMON STOCK 65336K103 2 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,106 8,480 SH   SOLE 0 8,480 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 515 3,950 SH   DFND 0 3,950 0 0
NIKE INC CLASS B COMMON STOCK 654106103 885 16,030 SH   SOLE 0 16,030 0 0
NIKE INC CLASS B COMMON STOCK 654106103 99 1,790 SH   DFND 0 1,790 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204 1 225 SH   SOLE 0 225 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 18 500 SH   SOLE 0 500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 894 10,503 SH   SOLE 0 10,503 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 60 700 SH   DFND 0 700 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 4 400 SH   SOLE 0 400 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 111 500 SH   SOLE 0 500 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 17 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 42 1,501 SH   SOLE 0 1,501 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 2,314 28,044 SH   SOLE 0 28,044 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 574 6,961 SH   DFND 0 6,961 0 0
NUCOR CORP COMMON STOCK 670346105 2,082 42,156 SH   SOLE 0 42,156 0 0
NUCOR CORP COMMON STOCK 670346105 429 8,677 SH   DFND 0 8,677 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 229 7,000 SH   SOLE 0 7,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 88 1,170 SH   SOLE 0 1,170 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 2 597 SH   DFND 0 597 0 0
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 8 400 SH   DFND 0 400 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 585 7,185 SH   SOLE 0 7,185 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 26 325 SH   DFND 0 325 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 16 400 SH   SOLE 0 400 0 0
ORACLE CORP COMMON STOCK 68389X105 405 9,902 SH   SOLE 0 9,902 0 0
ORACLE CORP COMMON STOCK 68389X105 6 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 16 1,000 SH   DFND 0 1,000 0 0
OTTER TAIL CORP COMMON STOCK 689648103 8 250 SH   SOLE 0 250 0 0
PG&E CORP COMMON STOCK 69331C108 144 2,254 SH   SOLE 0 2,069 0 185
PG&E CORP COMMON STOCK 69331C108 180 2,815 SH   DFND 0 2,815 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 44 535 SH   SOLE 0 535 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 39 475 SH   DFND 0 475 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 272 2,614 SH   SOLE 0 2,614 0 0
PPL CORP COMMON STOCK 69351T106 384 10,179 SH   SOLE 0 10,179 0 0
PPL CORP COMMON STOCK 69351T106 8 200 SH   DFND 0 200 0 0
PAYCHEX INC COMMON STOCK 704326107 8 135 SH   SOLE 0 135 0 0
PAYCHEX INC COMMON STOCK 704326107 24 395 SH   DFND 0 395 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 132 3,370 SH   SOLE 0 3,370 0 0
PEPSICO INC COMMON STOCK 713448108 4,600 43,423 SH   SOLE 0 43,311 0 112
PEPSICO INC COMMON STOCK 713448108 1,602 15,124 SH   DFND 0 15,124 0 0
PFIZER INC COMMON STOCK 717081103 3,038 86,301 SH   SOLE 0 85,973 0 328
PFIZER INC COMMON STOCK 717081103 705 20,033 SH   DFND 0 20,033 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 598 5,878 SH   SOLE 0 5,878 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 119 1,170 SH   DFND 0 1,170 0 0
PHILLIPS 66 COMMON STOCK 718546104 254 3,207 SH   SOLE 0 3,207 0 0
PHILLIPS 66 COMMON STOCK 718546104 288 3,630 SH   DFND 0 3,630 0 0
PIEDMONT OFFICE REALTY REIT COMMON STOCK 720190206 12 543 SH   SOLE 0 543 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF/FIXED INCOME 72201R783 3,966 40,950 SH   SOLE 0 40,845 0 105
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 MUTUAL FUNDS FIXED INCOME 72201Y101 14 500 SH   SOLE 0 500 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 278 3,425 SH   SOLE 0 3,425 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 16 600 SH   SOLE 0 600 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 8 100 SH   SOLE 0 100 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 480 29,568 SH   SOLE 0 29,568 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 92 5,675 SH   DFND 0 5,675 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 19 1,000 SH   DFND 0 1,000 0 0
POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH   SOLE 0 50 0 0
POWERSHARES DWA DEV MARKET MOM PORT ETF ETF/INTERNATIONAL EQUITY 73936Q108 5 226 SH   SOLE 0 226 0 0
POWERSHARES ETF TR II INSUR NATL MUN ETF/EQUITY 73936T474 33 1,250 SH   SOLE 0 1,250 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 12 170 SH   SOLE 0 170 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 26 21 SH   SOLE 0 21 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 16 13 SH   DFND 0 13 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,968 58,670 SH   SOLE 0 58,458 0 212
PROCTER & GAMBLE CO COMMON STOCK 742718109 870 10,272 SH   DFND 0 10,272 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 15 204 SH   SOLE 0 204 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 17 241 SH   DFND 0 241 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,119 66,925 SH   SOLE 0 66,925 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,014 21,756 SH   DFND 0 21,756 0 0
QUALCOMM INC COMMON STOCK 747525103 363 6,773 SH   SOLE 0 6,773 0 0
QUALCOMM INC COMMON STOCK 747525103 106 1,975 SH   DFND 0 1,975 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 9 105 SH   DFND 0 105 0 0
QUINTILES TRANSNATIONAL COMMON STOCK 74876Y101 7 100 SH   SOLE 0 100 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 16 740 SH   DFND 0 740 0 0
RAYTHEON CO COMMON STOCK 755111507 34 250 SH   SOLE 0 250 0 0
REALTY INCOME CORP COMMON STOCK 756109104 14 200 SH   SOLE 0 0 0 200
REYNOLDS AMERICAN INC COMMON STOCK 761713106 121 2,238 SH   SOLE 0 2,238 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 32 596 SH   DFND 0 596 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 189 6,054 SH   SOLE 0 6,054 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 5 150 SH   DFND 0 150 0 0
RITE AID CORP COMMON STOCK 767754104 15 2,000 SH   SOLE 0 2,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 184 1,600 SH   SOLE 0 1,600 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 46 400 SH   DFND 0 400 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 217 2,550 SH   SOLE 0 2,550 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 51 600 SH   DFND 0 600 0 0
ROGERS COMMUNICATIONS INC CLASS B FOREIGN EQUITIES 775109200 15 380 SH   DFND 0 380 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 465 7,865 SH   SOLE 0 7,865 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 80 1,350 SH   DFND 0 1,350 0 0
ROYAL BK SCOTLAND GROUP PLC ADR FOREIGN EQUITIES 780097689 0 51 SH   SOLE 0 51 0 0
ROYAL DUTCH SHELL PLC CLASS A FOREIGN EQUITIES 780259206 452 8,187 SH   SOLE 0 8,187 0 0
ROYAL DUTCH SHELL PLC CLASS A FOREIGN EQUITIES 780259206 11 200 SH   DFND 0 200 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 63 SH   DFND 0 63 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 5,144 24,559 SH   SOLE 0 24,559 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 836 3,989 SH   DFND 0 3,989 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 13 100 SH   SOLE 0 100 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 11 85 SH   DFND 0 85 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 45 1,275 SH   SOLE 0 1,275 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 273 7,825 SH   SOLE 0 7,515 0 310
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 42 1,185 SH   SOLE 0 1,185 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 79 2,205 SH   DFND 0 2,205 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 9 110 SH   DFND 0 110 0 0
SSGA ACTIVE ETF TR BLKSTN GSOSRLN ETF/FIXED INCOME 78467V608 39 835 SH   SOLE 0 835 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 6,889 138,035 SH   SOLE 0 137,735 0 300
SPDR DOW JONES INDL AVERAGE ETF ETF/EQUITY 78467X109 16 90 SH   SOLE 0 90 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 3,769 13,847 SH   SOLE 0 13,847 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,182 8,016 SH   DFND 0 8,016 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 11 400 SH   SOLE 0 400 0 0
SPDR SER TR NUVN BRCLY MUNI ETF/FIXED INCOME 78468R721 32 625 SH   SOLE 0 625 0 0
SABINE ROYALTY TRUST UNIT BEN INT COMMON STOCK 785688102 7 200 SH   SOLE 0 200 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 13 165 SH   SOLE 0 165 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 20 257 SH   DFND 0 257 0 0
SCANA CORP COMMON STOCK 80589M102 83 1,100 SH   SOLE 0 1,100 0 0
SCANA CORP COMMON STOCK 80589M102 25 335 SH   DFND 0 335 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,165 14,736 SH   SOLE 0 14,736 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 39 495 SH   DFND 0 495 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 4 150 SH   DFND 0 150 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 827 15,315 SH   SOLE 0 15,315 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 52 956 SH   DFND 0 956 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 880 12,275 SH   SOLE 0 12,275 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 356 8,200 SH   SOLE 0 8,200 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 297 6,844 SH   DFND 0 6,844 0 0
SELECT SECTOR SPDR UTILITIES ETF/EQUITY 81369Y886 67 1,275 SH   SOLE 0 1,275 0 0
SEMPRA ENERGY COMMON STOCK 816851109 633 5,550 SH   SOLE 0 5,550 0 0
SEMPRA ENERGY COMMON STOCK 816851109 125 1,100 SH   DFND 0 1,100 0 0
SHIRE PLC SPONSORED ADR COMMON STOCK 82481R106 4 22 SH   SOLE 0 22 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 11 480 SH   DFND 0 480 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 74 1,500 SH   SOLE 0 1,500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 440 8,212 SH   SOLE 0 8,212 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 115 3,132 SH   SOLE 0 2,854 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 133 3,620 SH   DFND 0 3,620 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 111 1,000 SH   SOLE 0 1,000 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 222 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 184 3,225 SH   SOLE 0 3,225 0 0
STARBUCKS CORP COMMON STOCK 855244109 9 158 SH   DFND 0 158 0 0
STATE STREET CORP COMMON STOCK 857477103 125 2,315 SH   SOLE 0 2,315 0 0
STATOIL ASA ADR FOREIGN EQUITIES 85771P102 5 300 SH   SOLE 0 300 0 0
STRYKER CORP COMMON STOCK 863667101 629 5,252 SH   SOLE 0 5,252 0 0
STRYKER CORP COMMON STOCK 863667101 72 600 SH   DFND 0 600 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 13 400 SH   SOLE 0 400 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 69 2,500 SH   SOLE 0 2,500 0 0
SYSCO CORP COMMON STOCK 871829107 1,527 30,100 SH   SOLE 0 30,100 0 0
SYSCO CORP COMMON STOCK 871829107 497 9,800 SH   DFND 0 9,800 0 0
TECO ENERGY INC COMMON STOCK 872375100 3 100 SH   SOLE 0 100 0 0
TJX COMPANIES COMMON STOCK 872540109 49 640 SH   SOLE 0 640 0 0
TJX COMPANIES COMMON STOCK 872540109 39 511 SH   DFND 0 511 0 0
TARGET CORP COMMON STOCK 87612E106 430 6,163 SH   SOLE 0 6,163 0 0
TARGET CORP COMMON STOCK 87612E106 36 515 SH   DFND 0 515 0 0
TARGA RES CORP COM COMMON STOCK 87612G101 8 186 SH   SOLE 0 186 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 19 187 SH   DFND 0 187 0 0
TELEFONICA SA ADR FOREIGN EQUITIES 879382208 3 325 SH   DFND 0 325 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 43 1,500 SH   SOLE 0 1,500 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 10 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 8 150 SH   DFND 0 150 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 975 15,570 SH   SOLE 0 15,570 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 153 2,450 SH   DFND 0 2,450 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 55 375 SH   SOLE 0 375 0 0
THOMSON REUTERS CORP FOREIGN EQUITIES 884903105 5 135 SH   DFND 0 135 0 0
3M COMPANY COMMON STOCK 88579Y101 4,327 24,709 SH   SOLE 0 24,709 0 0
3M COMPANY COMMON STOCK 88579Y101 791 4,516 SH   DFND 0 4,516 0 0
TIER REIT INC COMMON STOCK 88650V208 3 217 SH   SOLE 0 217 0 0
TIME WARNER INC COMMON STOCK 887317303 8 107 SH   SOLE 0 107 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 295 4,543 SH   SOLE 0 4,543 0 0
TONIX PHARMACEUTICALS COMMON STOCK 890260201 3 1,362 SH   SOLE 0 1,362 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 574 13,375 SH   SOLE 0 13,375 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 46 1,075 SH   DFND 0 1,075 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 354 7,360 SH   SOLE 0 7,360 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 111 2,300 SH   DFND 0 2,300 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 20 200 SH   SOLE 0 200 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 5 100 SH   SOLE 0 100 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 13 290 SH   DFND 0 290 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 40 335 SH   DFND 0 335 0 0
TRI CONTINENTAL CORP MUTUAL FUND EQUITIES 895436103 140 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 0 22 SH   DFND 0 22 0 0
UDR INC COM COMMON STOCK 902653104 16 432 SH   SOLE 0 432 0 0
US BANCORP COMMON STOCK 902973304 1,709 42,381 SH   SOLE 0 42,142 0 239
US BANCORP COMMON STOCK 902973304 175 4,347 SH   DFND 0 4,347 0 0
UNDER ARMOUR INC CLASS A COMMON STOCK 904311107 20 500 SH   SOLE 0 500 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 18 503 SH   SOLE 0 503 0 0
UNILEVER NV ADR FOREIGN EQUITIES 904784709 23 500 SH   SOLE 0 500 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 69 790 SH   SOLE 0 790 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 55 632 SH   DFND 0 632 0 0
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106 1,638 15,210 SH   SOLE 0 15,114 0 96
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106 173 1,608 SH   DFND 0 1,608 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,723 26,557 SH   SOLE 0 26,471 0 86
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 495 4,825 SH   DFND 0 4,825 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,251 8,860 SH   SOLE 0 8,860 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 39 275 SH   DFND 0 275 0 0
VF CORP COMMON STOCK 918204108 552 8,980 SH   SOLE 0 8,980 0 0
VF CORP COMMON STOCK 918204108 25 400 SH   DFND 0 400 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 42 821 SH   SOLE 0 821 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189F361 48 1,500 SH   SOLE 0 1,500 0 0
VANECK VECTORS AGRIBUSINESS ETF/EQUITY 92189F700 24 500 SH   SOLE 0 500 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 670 8,047 SH   SOLE 0 8,047 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 577 6,928 SH   DFND 0 6,928 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 275 3,125 SH   SOLE 0 3,125 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 41 460 SH   DFND 0 460 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 3,844 47,427 SH   SOLE 0 46,782 0 645
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 235 2,902 SH   DFND 0 2,902 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 2,204 26,140 SH   SOLE 0 25,245 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 843 10,001 SH   DFND 0 10,001 0 0
VANGUARD TAX MANAGED INTL FDMSCI EAFE ETF ETF/INTERNATIONAL EQUITY 921943858 16 459 SH   SOLE 0 459 0 0
VANGUARD TAX MANAGED INTL FDMSCI EAFE ETF ETF/INTERNATIONAL EQUITY 921943858 113 3,195 SH   DFND 0 3,195 0 0
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 5 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 630 13,300 SH   SOLE 0 13,300 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 220 4,650 SH   DFND 0 4,650 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 468 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 292 2,550 SH   SOLE 0 2,550 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 730 20,734 SH   SOLE 0 20,734 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 219 6,205 SH   DFND 0 6,205 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 4,705 58,206 SH   SOLE 0 58,206 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 1,239 15,328 SH   DFND 0 15,328 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV ETF/FIXED INCOME 92206C706 1,257 18,710 SH   SOLE 0 18,510 0 200
VECTREN CORP COMMON STOCK 92240G101 5 100 SH   DFND 0 100 0 0
VENTAS INC COMMON STOCK 92276F100 18 247 SH   SOLE 0 247 0 0
VENTAS INC COMMON STOCK 92276F100 23 315 SH   DFND 0 315 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 19 100 SH   SOLE 0 100 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 18 200 SH   DFND 0 200 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 79 775 SH   SOLE 0 775 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 1,816 20,475 SH   SOLE 0 20,475 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 26 295 SH   DFND 0 295 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF/EQUITY 922908595 45 360 SH   SOLE 0 360 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 21 200 SH   SOLE 0 200 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 69 655 SH   DFND 0 655 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 152 1,227 SH   SOLE 0 1,227 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 150 1,300 SH   SOLE 0 1,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF/EQUITY 922908769 6,944 64,800 SH   DFND 0 64,800 0 0
VEREIT INC CLASS A COMMON STOCK 92339V100 3 311 SH   SOLE 0 311 0 0
VERIFONE SYSTEMS INC COMMON STOCK 92342Y109 9 500 SH   SOLE 0 500 0 0
VERIFONE SYSTEMS INC COMMON STOCK 92342Y109 2 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 5,781 103,533 SH   SOLE 0 103,350 0 183
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,745 31,256 SH   DFND 0 31,256 0 0
VISA INC CLASS A COMMON STOCK 92826C839 274 3,700 SH   SOLE 0 3,700 0 0
VISA INC CLASS A COMMON STOCK 92826C839 31 412 SH   DFND 0 412 0 0
VM WARE INC COMMON STOCK 928563402 7 120 SH   SOLE 0 120 0 0
VM WARE INC COMMON STOCK 928563402 8 140 SH   DFND 0 140 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 15 473 SH   SOLE 0 473 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 13 421 SH   DFND 0 421 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 297 4,200 SH   SOLE 0 4,200 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 274 4,199 SH   SOLE 0 4,199 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,286 31,301 SH   SOLE 0 31,189 0 112
WAL MART STORES INC COMMON STOCK 931142103 558 7,648 SH   DFND 0 7,648 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 581 6,975 SH   SOLE 0 6,975 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 50 605 SH   DFND 0 605 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 27 400 SH   SOLE 0 400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 31 475 SH   DFND 0 475 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,751 36,998 SH   SOLE 0 36,868 0 130
WELLS FARGO & CO COMMON STOCK 949746101 191 4,042 SH   DFND 0 4,042 0 0
WELLTOWER INC COMMON STOCK 95040Q104 46 600 SH   SOLE 0 600 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 48 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 9 400 SH   SOLE 0 400 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 5 225 SH   DFND 0 225 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 2 167 SH   DFND 0 167 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 1,357 20,345 SH   SOLE 0 20,345 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 20 300 SH   DFND 0 300 0 0
WISDOMTREE TR BLMBG US BULL ETF/OTHER 97717W471 2,060 78,410 SH   SOLE 0 78,215 0 195
YAHOO INC COMMON STOCK 984332106 19 500 SH   SOLE 0 500 0 0
YUM BRANDS INC COMMON STOCK 988498101 12 150 SH   SOLE 0 150 0 0