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
ADIENT PLC FOREIGN EQUITIES G0084W101 0 5 SH   SOLE 0 5 0 0
ALLEGION PLC FOREIGN EQUITIES G0176J109 21 331 SH   SOLE 0 331 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 6 48 SH   SOLE 0 48 0 0
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 INFRASTRUCTURE PARTNERS LP COMMON STOCK G16252101 50 1,500 SH   SOLE 0 1,500 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP COMMON STOCK G16252101 1 40 SH   DFND 0 40 0 0
DELPHI AUTOMOTIVE PLC SHS COMMON STOCK G27823106 1 20 SH   SOLE 0 20 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 32 477 SH   SOLE 0 477 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 32 473 SH   DFND 0 473 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 93 1,242 SH   SOLE 0 1,242 0 0
JOHNSON CTLS INTL PLC SHS FOREIGN EQUITIES G51502105 2 55 SH   SOLE 0 55 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 681 9,564 SH   SOLE 0 9,564 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 32 454 SH   DFND 0 454 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 41 6,900 SH   SOLE 0 6,900 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 1 100 SH   DFND 0 100 0 0
PENTAIR PLC FOREIGN EQUITIES G7S00T104 1 11 SH   SOLE 0 11 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 6 165 SH   SOLE 0 165 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 4 100 SH   DFND 0 100 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 874 6,615 SH   SOLE 0 6,615 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 140 1,060 SH   DFND 0 1,060 0 0
VASCULAR BIOGENICS LTD COM COMMON STOCK M96883109 5 1,000 SH   SOLE 0 1,000 0 0
ASML HOLDING NV ADR FOREIGN EQUITIES N07059210 10 86 SH   DFND 0 86 0 0
BROADCOM LTD FOREIGN EQUITIES Y09827109 57 325 SH   SOLE 0 325 0 0
DIANA CONTAINERSHIPS INC SHS NEW COMMON STOCK Y2069P127 0 4 SH   SOLE 0 4 0 0
FLEXTRONICS INTL LTD ORD FOREIGN EQUITIES Y2573F102 3 200 SH   SOLE 0 200 0 0
AFLAC INC COMMON STOCK 001055102 70 1,000 SH   SOLE 0 1,000 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 11 250 SH   SOLE 0 250 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 158 12,555 SH   SOLE 0 12,555 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 162 12,871 SH   DFND 0 12,871 0 0
AT&T INC COMMON STOCK 00206R102 7,552 177,609 SH   SOLE 0 177,399 0 210
AT&T INC COMMON STOCK 00206R102 1,516 35,658 SH   DFND 0 35,658 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 1,581 41,166 SH   SOLE 0 41,166 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 176 4,590 SH   DFND 0 4,590 0 0
ABBVIE INC COMMON STOCK 00287Y109 3,655 58,377 SH   SOLE 0 58,377 0 0
ABBVIE INC COMMON STOCK 00287Y109 430 6,870 SH   DFND 0 6,870 0 0
AETNA INC COMMON STOCK 00817Y108 62 500 SH   DFND 0 500 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 7 50 SH   SOLE 0 50 0 0
AFFILIATED MANAGERS GROUP COMMON STOCK 008252108 3 20 SH   DFND 0 20 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 284 1,975 SH   SOLE 0 1,975 0 0
ALCOA CORP COMMON STOCK 013872106 13 476 SH   DFND 0 476 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 160 4,230 SH   DFND 0 4,230 0 0
ALLSTATE CORP COMMON STOCK 020002101 27 360 SH   SOLE 0 360 0 0
ALLSTATE CORP COMMON STOCK 020002101 42 560 SH   DFND 0 560 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 71 92 SH   SOLE 0 92 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 8 10 SH   DFND 0 10 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 94 119 SH   SOLE 0 119 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 19 24 SH   DFND 0 24 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 931 13,775 SH   SOLE 0 13,775 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 102 1,514 SH   DFND 0 1,514 0 0
AMAZON.COM INC COMMON STOCK 023135106 10 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 131 2,498 SH   SOLE 0 2,498 0 0
AMEREN CORP COMMON STOCK 023608102 4 75 SH   DFND 0 75 0 0
AMERICAN CAMPUS COMMUNITIES COMMON STOCK 024835100 17 342 SH   SOLE 0 342 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 240 3,816 SH   SOLE 0 3,816 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 275 4,369 SH   DFND 0 4,369 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 656 8,856 SH   SOLE 0 8,856 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 33 450 SH   DFND 0 450 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 14 125 SH   SOLE 0 125 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 6 50 SH   DFND 0 50 0 0
AMGEN INC COMMON STOCK 031162100 910 6,225 SH   SOLE 0 6,225 0 0
AMGEN INC COMMON STOCK 031162100 333 2,275 SH   DFND 0 2,275 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 7 100 SH   SOLE 0 100 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 12 167 SH   DFND 0 167 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR FOREIGN EQUITIES 03524A108 11 100 SH   SOLE 0 100 0 0
ANNALY CAPITAL MANAGEMENT COMMON STOCK 035710409 2 200 SH   SOLE 0 200 0 0
ANTHEM INC COMMON STOCK 036752103 381 2,650 SH   SOLE 0 2,650 0 0
APACHE CORP COMMON STOCK 037411105 439 6,924 SH   SOLE 0 6,924 0 0
APACHE CORP COMMON STOCK 037411105 5 80 SH   DFND 0 80 0 0
APPLE INC COMMON STOCK 037833100 11,274 97,344 SH   SOLE 0 97,344 0 0
APPLE INC COMMON STOCK 037833100 300 2,591 SH   DFND 0 2,591 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 34 1,048 SH   SOLE 0 1,048 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 24 735 SH   DFND 0 735 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 70 2,325 SH   SOLE 0 2,325 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 2 37 SH   SOLE 0 37 0 0
ARCONIC INC COMMON STOCK 03965L100 27 1,432 SH   DFND 0 1,432 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 259 6,388 SH   SOLE 0 6,388 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1,906 18,544 SH   SOLE 0 18,404 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 420 4,082 SH   DFND 0 4,082 0 0
AVANGRID INC COMMON STOCK 05351W103 4 100 SH   SOLE 0 0 0 100
BB&T CORP COMMON STOCK 054937107 72 1,530 SH   SOLE 0 1,530 0 0
BB&T CORP COMMON STOCK 054937107 38 800 SH   DFND 0 800 0 0
BHP BILLITON PLC SPONSORED ADR COMMON STOCK 05545E209 13 400 SH   SOLE 0 400 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 24 650 SH   DFND 0 650 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 125 5,660 SH   SOLE 0 5,660 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 10 450 SH   DFND 0 450 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 9 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 205 4,330 SH   SOLE 0 4,330 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 17 353 SH   DFND 0 353 0 0
BARCLAYS BANK PLC SP ADR 7.1 PF3 PREFERRED STOCK 06739H776 332 13,100 SH   SOLE 0 13,100 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 16 1,010 SH   SOLE 0 1,010 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 29 655 SH   SOLE 0 655 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 607 3,665 SH   SOLE 0 3,665 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 166 1,000 SH   DFND 0 1,000 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 16 385 SH   SOLE 0 385 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 4 93 SH   DFND 0 93 0 0
BEMIS CO INC COMMON STOCK 081437105 653 13,650 SH   SOLE 0 13,650 0 0
BEMIS CO INC COMMON STOCK 081437105 225 4,700 SH   DFND 0 4,700 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 165 1,010 SH   SOLE 0 1,010 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 14 85 SH   DFND 0 85 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 42 1,127 SH   SOLE 0 1,127 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 10 264 SH   DFND 0 264 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 753 21,060 SH   SOLE 0 21,060 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 117 3,275 SH   DFND 0 3,275 0 0
BIOLIFE SOLUTIONS INC COMMON STOCK 09062W204 0 250 SH   DFND 0 250 0 0
BIOGEN INC COMMON STOCK 09062X103 227 800 SH   DFND 0 800 0 0
BIOTELEMETRY INC COMMON STOCK 090672106 67 3,000 SH   SOLE 0 3,000 0 0
BLACKROCK INC COMMON STOCK 09247X101 14 38 SH   SOLE 0 38 0 0
BLACKROCK INC COMMON STOCK 09247X101 21 55 SH   DFND 0 55 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 32 1,500 SH   SOLE 0 1,500 0 0
BLACKROCK NY MUNI INC QLTY TCOM NY TAX EXEMPT 09249U105 7 510 SH   SOLE 0 510 0 0
THE BLACKSTONE GROUP L P PARTNERSHIPS 09253U108 3 100 SH   DFND 0 100 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 52 3,849 SH   SOLE 0 3,849 0 0
BOEING COMPANY COMMON STOCK 097023105 693 4,454 SH   SOLE 0 4,454 0 0
BOEING COMPANY COMMON STOCK 097023105 23 145 SH   DFND 0 145 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 8 200 SH   SOLE 0 200 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,129 19,331 SH   SOLE 0 19,098 0 233
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 664 11,359 SH   DFND 0 11,359 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103 13 200 SH   SOLE 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 20 300 SH   DFND 0 300 0 0
CBS CORP CLASS B COMMON STOCK 124857202 13 200 SH   SOLE 0 200 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 16 265 SH   DFND 0 265 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 786 10,725 SH   SOLE 0 10,725 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 38 525 SH   DFND 0 525 0 0
CMS ENERGY CORP COMMON STOCK 125896100 10 235 SH   SOLE 0 235 0 0
CMS ENERGY CORP COMMON STOCK 125896100 17 415 SH   DFND 0 415 0 0
CSX CORP COMMON STOCK 126408103 47 1,300 SH   SOLE 0 1,300 0 0
CSX CORP COMMON STOCK 126408103 108 3,000 SH   DFND 0 3,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,120 14,189 SH   SOLE 0 14,189 0 0
CVS HEALTH CORP COMMON STOCK 126650100 63 793 SH   DFND 0 793 0 0
CACI INTL INC CL A COMMON STOCK 127190304 10 83 SH   SOLE 0 0 0 83
CAMPBELL SOUP CO COMMON STOCK 134429109 12 200 SH   DFND 0 200 0 0
CARE CAP PPTYS INC COMMON STOCK 141624106 4 168 SH   SOLE 0 168 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,032 11,132 SH   SOLE 0 11,132 0 0
CATERPILLAR INC COMMON STOCK 149123101 254 2,736 SH   DFND 0 2,736 0 0
CELGENE CORP COMMON STOCK 151020104 219 1,888 SH   SOLE 0 1,888 0 0
CELGENE CORP COMMON STOCK 151020104 243 2,099 SH   DFND 0 2,099 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 2 100 SH   DFND 0 100 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH   SOLE 0 100 0 0
CENTURYLINK INC COMMON STOCK 156700106 2 100 SH   SOLE 0 100 0 0
CENTURYLINK INC COMMON STOCK 156700106 5 200 SH   DFND 0 200 0 0
CERNER CORP COMMON STOCK 156782104 9 200 SH   SOLE 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 0 20 SH   SOLE 0 20 0 0
CHESAPEAKE ENERGY CORP COMMON STOCK 165167107 7 1,000 SH   SOLE 0 1,000 0 0
CHEVRON CORP COMMON STOCK 166764100 3,234 27,474 SH   SOLE 0 27,402 0 72
CHEVRON CORP COMMON STOCK 166764100 724 6,150 SH   DFND 0 6,150 0 0
CHIPOTLE MEXICAN GRILL COMMON STOCK 169656105 5 13 SH   DFND 0 13 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,835 126,941 SH   SOLE 0 126,941 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 769 25,439 SH   DFND 0 25,439 0 0
CITIGROUP INC COMMON STOCK 172967424 11 185 SH   SOLE 0 185 0 0
CITIGROUP INC COMMON STOCK 172967424 6 100 SH   DFND 0 100 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 761 36,395 SH   SOLE 0 35,810 0 585
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY ETF/FIXED INCOME 18383M399 116 4,500 SH   SOLE 0 4,500 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 27 1,300 SH   SOLE 0 1,300 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 8 375 SH   SOLE 0 375 0 0
GUGGENHEIM ENHANCED SH DUR ETF/FIXED INCOME 18383M654 833 16,630 SH   SOLE 0 16,520 0 110
CLEARBRIDGE ENERGY MLP FD MUTUAL FUND EQUITIES 184692101 2 100 SH   SOLE 0 100 0 0
CLEARBRIDGE ENERGY MLP FD MUTUAL FUND EQUITIES 184692101 8 500 SH   DFND 0 500 0 0
COCA COLA COMPANY COMMON STOCK 191216100 4,422 106,683 SH   SOLE 0 106,472 0 211
COCA COLA COMPANY COMMON STOCK 191216100 1,211 29,204 SH   DFND 0 29,204 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 374 5,720 SH   SOLE 0 5,720 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 510 7,786 SH   DFND 0 7,786 0 0
COLUMBIA EMERGING MKTS CONS ETF/INTERNATIONAL EQUITY 19762B509 1,756 79,320 SH   SOLE 0 79,210 0 110
COLUMBIA PROPERTY TRUST INC COMMON STOCK 198287203 2 98 SH   SOLE 0 98 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 950 13,767 SH   SOLE 0 13,767 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 144 2,093 SH   DFND 0 2,093 0 0
COMMUNICATIONS SALES&LEAS IN COMMON STOCK 20341J104 5 200 SH   DFND 0 200 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 550 8,900 SH   SOLE 0 8,900 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 6 150 SH   SOLE 0 150 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,500 29,923 SH   SOLE 0 29,781 0 142
CONOCOPHILLIPS COMMON STOCK 20825C104 313 6,234 SH   DFND 0 6,234 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 500 6,791 SH   SOLE 0 6,791 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 131 1,776 SH   DFND 0 1,776 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 184 1,200 SH   SOLE 0 1,200 0 0
CORNING INC COMMON STOCK 219350105 164 6,762 SH   SOLE 0 6,762 0 0
CORNING INC COMMON STOCK 219350105 47 1,939 SH   DFND 0 1,939 0 0
COSTCO COMMON STOCK 22160K105 49 305 SH   SOLE 0 305 0 0
COSTCO COMMON STOCK 22160K105 9 55 SH   DFND 0 55 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344208 1 22 SH   DFND 0 22 0 0
CRYOPORT INC COMMON STOCK 229050307 3 1,000 SH   DFND 0 1,000 0 0
CUMMINS INC COMMON STOCK 231021106 1,541 11,274 SH   SOLE 0 11,239 0 35
CUMMINS INC COMMON STOCK 231021106 144 1,050 SH   DFND 0 1,050 0 0
CYNOSURE INC CLASS A COMMON STOCK 232577205 5 100 SH   DFND 0 100 0 0
DANAHER CORP COMMON STOCK 235851102 3 43 SH   SOLE 0 43 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 133 1,824 SH   SOLE 0 1,664 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 188 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 16 155 SH   SOLE 0 155 0 0
DELL TECHNOLOGIES INC COM CL V COMMON STOCK 24703L103 10 191 SH   SOLE 0 191 0 0
DELTA AIR LINES INC COMMON STOCK 247361702 1 25 SH   DFND 0 25 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 37 800 SH   SOLE 0 800 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 13 130 SH   SOLE 0 130 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 9 95 SH   DFND 0 95 0 0
WALT DISNEY CO COMMON STOCK 254687106 2,688 25,791 SH   SOLE 0 25,791 0 0
WALT DISNEY CO COMMON STOCK 254687106 171 1,643 SH   DFND 0 1,643 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 2,261 29,517 SH   SOLE 0 29,417 0 100
DOMINION RESOURCES INC COMMON STOCK 25746U109 885 11,550 SH   DFND 0 11,550 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 3,351 58,562 SH   SOLE 0 58,160 0 402
DOW CHEMICAL CO COMMON STOCK 260543103 427 7,468 SH   DFND 0 7,468 0 0
DR PEPPER SNAPPLE GROUP INC COMMON STOCK 26138E109 9 100 SH   DFND 0 100 0 0
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 788 10,734 SH   SOLE 0 10,565 0 169
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 224 3,052 SH   DFND 0 3,052 0 0
DUFF & PHELPS GLB UTL INC FD MUTUAL FUNDS INTL EQUITIES 26433C105 9 600 SH   SOLE 0 0 0 600
DUKE ENERGY CORP COMMON STOCK 26441C204 379 4,888 SH   SOLE 0 4,888 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 68 876 SH   DFND 0 876 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 368 3,641 SH   SOLE 0 3,641 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 8 80 SH   DFND 0 80 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 60 792 SH   SOLE 0 792 0 0
EDGEWELL PERS CARE CO COMMON STOCK 28035Q102 7 101 SH   SOLE 0 101 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 7 70 SH   SOLE 0 70 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,016 36,160 SH   SOLE 0 36,160 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 247 4,435 SH   DFND 0 4,435 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 8 195 SH   SOLE 0 195 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 6 150 SH   DFND 0 150 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 14 700 SH   DFND 0 700 0 0
ENTERGY CORP COMMON STOCK 29364G103 7 100 SH   DFND 0 100 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 165 6,088 SH   SOLE 0 5,784 0 304
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 5 200 SH   DFND 0 200 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 26 400 SH   SOLE 0 400 0 0
EUROPEAN EQUITY FUND COM ETF/INTERNATIONAL EQUITY 298768102 3 406 SH   SOLE 0 406 0 0
EXELON CORP COMMON STOCK 30161N101 1,315 37,066 SH   SOLE 0 37,066 0 0
EXELON CORP COMMON STOCK 30161N101 302 8,525 SH   DFND 0 8,525 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 40 584 SH   SOLE 0 584 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 13 195 SH   DFND 0 195 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,352 81,455 SH   SOLE 0 81,355 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 1,921 21,285 SH   DFND 0 21,285 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 51 440 SH   SOLE 0 440 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 3 25 SH   DFND 0 25 0 0
FASTENAL CO COMMON STOCK 311900104 197 4,200 SH   SOLE 0 4,200 0 0
FASTENAL CO COMMON STOCK 311900104 141 3,000 SH   DFND 0 3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 57 306 SH   SOLE 0 306 0 0
FIDELITY NATL INFORMATION SVCOM COMMON STOCK 31620M106 4 49 SH   SOLE 0 49 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 18 655 SH   DFND 0 655 0 0
FLEXSHRS IBOXX 5YR TGT TIPS ETF/FIXED INCOME 33939L605 460 18,395 SH   SOLE 0 18,200 0 195
FORD MOTOR COMPANY COMMON STOCK 345370860 133 10,965 SH   SOLE 0 10,965 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 8 665 SH   DFND 0 665 0 0
FORTIVE CORP COMMON STOCK 34959J108 1 21 SH   SOLE 0 21 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 8 132 SH   DFND 0 132 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 2 56 SH   SOLE 0 56 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 11 3,244 SH   SOLE 0 3,244 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 3 1,000 SH   DFND 0 1,000 0 0
GABELLI MULTIMEDIA TR INC COM ETF/EQUITY 36239Q109 0 28 SH   SOLE 0 28 0 0
GABELLI UTIL TR COM ETF/EQUITY 36240A101 0 23 SH   SOLE 0 23 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 18 350 SH   DFND 0 350 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 414 2,400 SH   SOLE 0 2,400 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 35 200 SH   DFND 0 200 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 6,045 191,349 SH   SOLE 0 191,099 0 250
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,762 55,781 SH   DFND 0 55,781 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,629 26,366 SH   SOLE 0 26,366 0 0
GENERAL MILLS INC COMMON STOCK 370334104 585 9,470 SH   DFND 0 9,470 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 23 650 SH   SOLE 0 650 0 0
GENUINE PARTS CO COMMON STOCK 372460105 29 300 SH   SOLE 0 300 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 762 10,635 SH   SOLE 0 10,635 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 212 2,955 SH   DFND 0 2,955 0 0
GLAXOSMITHKLINE PLC ADR FOREIGN EQUITIES 37733W105 7 185 SH   DFND 0 185 0 0
GLOBAL X MLP ETF ETF/EQUITY 37950E473 2,129 184,015 SH   SOLE 0 183,575 0 440
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 41 171 SH   SOLE 0 171 0 0
GRAMERCY PROPERTY TRUST COMMON STOCK 385002100 12 1,266 SH   SOLE 0 1,266 0 0
HCP INC COMMON STOCK 40414L109 82 2,754 SH   SOLE 0 2,754 0 0
HCP INC COMMON STOCK 40414L109 68 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 50 2,000 SH   DFND 0 2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 62 1,150 SH   SOLE 0 1,150 0 0
HANCOCK JOHN PREMUIM DIV FD COM SH BEN INT MUTUAL FUND EQUITIES 41013T105 8 530 SH   SOLE 0 530 0 0
HANCOCK JOHN TAX-ADV DIV INCCOM MUTUAL FUND EQUITIES 41013V100 9 382 SH   SOLE 0 382 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 12 200 SH   SOLE 0 200 0 0
HASBRO INC COMMON STOCK 418056107 31 395 SH   SOLE 0 395 0 0
HASBRO INC COMMON STOCK 418056107 34 435 SH   DFND 0 435 0 0
HERSHEY CO COMMON STOCK 427866108 155 1,500 SH   SOLE 0 1,500 0 0
HERSHEY CO COMMON STOCK 427866108 103 1,000 SH   DFND 0 1,000 0 0
HIMAX TECHNOLOGIES INC ADR FOREIGN EQUITIES 43289P106 3 525 SH   SOLE 0 525 0 0
HOME DEPOT INC COMMON STOCK 437076102 715 5,331 SH   SOLE 0 5,331 0 0
HOME DEPOT INC COMMON STOCK 437076102 235 1,756 SH   DFND 0 1,756 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 460 3,967 SH   SOLE 0 3,967 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 14 125 SH   DFND 0 125 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,734 22,325 SH   SOLE 0 22,325 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 438 3,580 SH   DFND 0 3,580 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 30 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 4,637 127,860 SH   SOLE 0 127,305 0 555
INTEL CORP COMMON STOCK 458140100 892 24,598 SH   DFND 0 24,598 0 0
INSYS THERAPEUTICS INC COMMON STOCK 45824V209 9 1,000 SH   SOLE 0 1,000 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 8,680 52,293 SH   SOLE 0 52,293 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 13,539 81,567 SH   DFND 0 81,567 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 26 488 SH   SOLE 0 488 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 3 55 SH   DFND 0 55 0 0
IONIS PHARMACEUTICAL INC COMMON STOCK 462222100 6 123 SH   SOLE 0 123 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 1 100 SH   DFND 0 100 0 0
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ISHARES SILVER TRUST ETF/OTHER 46428Q109 28 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 409 36,879 SH   SOLE 0 36,474 0 405
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 221 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 3,415 69,835 SH   SOLE 0 69,735 0 100
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 20 495 SH   SOLE 0 495 0 0
ISHARES TR CORE S&P TTL STK ETF/EQUITY 464287150 6 120 SH   SOLE 0 120 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 139 1,566 SH   SOLE 0 1,566 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 79 696 SH   SOLE 0 696 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 29,415 130,740 SH   SOLE 0 130,740 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 3,613 33,435 SH   SOLE 0 33,435 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 42 1,210 SH   SOLE 0 1,210 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 9 245 SH   DFND 0 245 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 222 1,893 SH   SOLE 0 1,724 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 219 1,867 SH   DFND 0 1,867 0 0
ISHARES S&P 500 GROWTH ETF/EQUITY 464287309 37 305 SH   SOLE 0 305 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 25 260 SH   SOLE 0 260 0 0
ISHARES S&P 500 VALUE ETF/EQUITY 464287408 33 325 SH   SOLE 0 325 0 0
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 629 7,446 SH   SOLE 0 7,356 0 90
ISHARES 1-3 YR TREASURY ETF ETF/FIXED INCOME 464287457 77 913 SH   DFND 0 913 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,430 24,779 SH   SOLE 0 24,779 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 954 16,532 SH   DFND 0 16,532 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,049 37,907 SH   SOLE 0 37,907 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 157 1,950 SH   DFND 0 1,950 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 12,041 72,827 SH   SOLE 0 72,757 0 70
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 174 1,052 SH   DFND 0 1,052 0 0
ISHARES NASDAQ BIOTECHNOLOGY ETF/EQUITY 464287556 14 53 SH   SOLE 0 53 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 3,910 34,898 SH   SOLE 0 34,773 0 125
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,782 15,910 SH   DFND 0 15,910 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 281 1,545 SH   SOLE 0 1,545 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 81 445 SH   DFND 0 445 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 4,193 39,968 SH   SOLE 0 39,863 0 105
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 2,097 19,986 SH   DFND 0 19,986 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 103 765 SH   DFND 0 765 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 12,851 93,452 SH   SOLE 0 93,377 0 75
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 2,363 17,183 SH   DFND 0 17,183 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 242 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SM CAP ETF ETF/INTERNATIONAL EQUITY 464288273 148 2,975 SH   SOLE 0 2,975 0 0
ISHARES TR NATIONAL MUN ETF ETF/EQUITY 464288414 54 500 SH   SOLE 0 500 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 35 1,200 SH   SOLE 0 1,200 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,259 26,095 SH   SOLE 0 26,095 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 100 1,159 SH   DFND 0 1,159 0 0
ISHS MSCI KLD 400 SOCIAL ETF/EQUITY 464288570 10 125 SH   SOLE 0 125 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 43 395 SH   SOLE 0 395 0 0
ISHARES BARCLAYS INTERM-TERMBOND ETF/FIXED INCOME 464288638 74 685 SH   DFND 0 685 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 935 8,911 SH   SOLE 0 8,711 0 200
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 386 3,677 SH   DFND 0 3,677 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,105 83,474 SH   SOLE 0 83,474 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 1,014 20,000 SH   SOLE 0 20,000 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 315 3,825 SH   SOLE 0 3,730 0 95
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 5,910 96,539 SH   SOLE 0 96,339 0 200
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 8,988 198,765 SH   SOLE 0 198,425 0 340
ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 13 500 SH   SOLE 0 500 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF/EQUITY 46432F388 15 210 SH   SOLE 0 210 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 16,817 313,570 SH   SOLE 0 313,370 0 200
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 72 1,348 SH   DFND 0 1,348 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 2,929 69,000 SH   SOLE 0 69,000 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 4,566 52,911 SH   SOLE 0 52,911 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 471 5,461 SH   DFND 0 5,461 0 0
J P MORGAN EXCHANGE TRADED FDIV RTN INT EQ ETF/INTERNATIONAL EQUITY 46641Q209 3,559 72,730 SH   SOLE 0 72,625 0 105
J P MORGAN EXCHANGE TRADED FJPMORGAN DIVER ETF/EQUITY 46641Q407 7,001 118,255 SH   SOLE 0 118,030 0 225
JOHNSON & JOHNSON COMMON STOCK 478160104 7,329 63,617 SH   SOLE 0 63,428 0 189
JOHNSON & JOHNSON COMMON STOCK 478160104 2,074 18,005 SH   DFND 0 18,005 0 0
KEYCORP COMMON STOCK 493267108 159 8,718 SH   SOLE 0 8,718 0 0
KEYCORP COMMON STOCK 493267108 9 500 SH   DFND 0 500 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 90 790 SH   SOLE 0 790 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 437 3,825 SH   DFND 0 3,825 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 58 2,791 SH   SOLE 0 2,791 0 0
KOHLS CORP COMMON STOCK 500255104 12 250 SH   SOLE 0 250 0 0
KOHLS CORP COMMON STOCK 500255104 6 115 SH   DFND 0 115 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 775 8,880 SH   SOLE 0 8,880 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 240 2,752 SH   DFND 0 2,752 0 0
KROGER COMPANY COMMON STOCK 501044101 18 530 SH   SOLE 0 530 0 0
LABORATORY CORP AMER HLDGS COMMON STOCK 50540R409 2 12 SH   SOLE 0 12 0 0
LAMB WESTON HLDGS INC COM COMMON STOCK 513272104 2 50 SH   SOLE 0 50 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 87 1,177 SH   SOLE 0 1,177 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 126 1,716 SH   DFND 0 1,716 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 122 487 SH   SOLE 0 487 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 75 300 SH   DFND 0 300 0 0
LOEWS CORP COMMON STOCK 540424108 61 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 976 13,719 SH   SOLE 0 13,719 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 36 509 SH   DFND 0 509 0 0
M & T BANK CORP COMMON STOCK 55261F104 359 2,298 SH   SOLE 0 2,298 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,288 8,234 SH   DFND 0 8,234 0 0
MGE ENERGY INC COMMON STOCK 55277P104 16 240 SH   SOLE 0 240 0 0
MARATHON OIL CORP COMMON STOCK 565849106 7 400 SH   SOLE 0 400 0 0
MARATHON OIL CORP COMMON STOCK 565849106 3 145 SH   DFND 0 145 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 17 344 SH   DFND 0 344 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 31 376 SH   SOLE 0 376 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 21 205 SH   SOLE 0 205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,363 11,201 SH   SOLE 0 11,113 0 88
MCDONALDS CORP COMMON STOCK 580135101 216 1,776 SH   DFND 0 1,776 0 0
MCKESSON CORP COMMON STOCK 58155Q103 281 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 14 1,100 SH   DFND 0 1,100 0 0
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 420 7,750 SH   SOLE 0 7,750 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 4,662 79,200 SH   SOLE 0 79,012 0 188
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,089 18,501 SH   DFND 0 18,501 0 0
METLIFE INC COMMON STOCK 59156R108 42 777 SH   SOLE 0 777 0 0
METLIFE INC COMMON STOCK 59156R108 22 400 SH   DFND 0 400 0 0
MEXICO FD INC COM ETF/INTERNATIONAL EQUITY 592835102 2 125 SH   SOLE 0 125 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,804 61,223 SH   SOLE 0 60,948 0 275
MICROSOFT CORP COMMON STOCK 594918104 628 10,108 SH   DFND 0 10,108 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 28 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTERNATIONAL INC CLASS A COMMON STOCK 609207105 35 780 SH   SOLE 0 780 0 0
MONDELEZ INTERNATIONAL INC CLASS A COMMON STOCK 609207105 16 350 SH   DFND 0 350 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 931 8,851 SH   SOLE 0 8,851 0 0
MONSANTO COMPANY COMMON STOCK 61166W101 42 400 SH   DFND 0 400 0 0
MORGAN STANLEY COMMON STOCK 617446448 129 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 844 20,141 SH   SOLE 0 20,141 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,860 44,424 SH   DFND 0 44,424 0 0
NASDAQ INC COM COMMON STOCK 631103108 3 44 SH   SOLE 0 44 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 57 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 34 600 SH   DFND 0 600 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 15 250 SH   SOLE 0 250 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 18 309 SH   DFND 0 309 0 0
NEW GERMANY FD INC COM ETF/INTERNATIONAL EQUITY 644465106 6 495 SH   SOLE 0 495 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 22 1,400 SH   SOLE 0 1,400 0 0
NEXSTAR BROADCASTING GROUP ICL A COMMON STOCK 65336K103 3 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 959 8,030 SH   SOLE 0 8,030 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 528 4,420 SH   DFND 0 4,420 0 0
NIKE INC CLASS B COMMON STOCK 654106103 1,064 20,935 SH   SOLE 0 20,935 0 0
NIKE INC CLASS B COMMON STOCK 654106103 78 1,530 SH   DFND 0 1,530 0 0
NOKIA CORP SPONSORED ADR FOREIGN EQUITIES 654902204 0 31 SH   SOLE 0 31 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 19 500 SH   SOLE 0 500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,076 9,953 SH   SOLE 0 9,953 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 32 300 SH   DFND 0 300 0 0
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NORTHROP GRUMMAN CORP COMMON STOCK 666807102 121 520 SH   SOLE 0 520 0 0
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NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 415 5,700 SH   DFND 0 5,700 0 0
NUCOR CORP COMMON STOCK 670346105 2,467 41,456 SH   SOLE 0 41,456 0 0
NUCOR CORP COMMON STOCK 670346105 516 8,677 SH   DFND 0 8,677 0 0
OGE ENERGY CORP COMMON STOCK 670837103 234 7,000 SH   SOLE 0 7,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 64 903 SH   SOLE 0 903 0 0
OFFICE DEPOT INC COMMON STOCK 676220106 3 597 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 656 7,710 SH   SOLE 0 7,710 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 28 325 SH   DFND 0 325 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 28 900 SH   SOLE 0 900 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 17 400 SH   SOLE 0 400 0 0
ORACLE CORP COMMON STOCK 68389X105 356 9,260 SH   SOLE 0 9,260 0 0
ORACLE CORP COMMON STOCK 68389X105 5 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 15 1,000 SH   DFND 0 1,000 0 0
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PG&E CORP COMMON STOCK 69331C108 171 2,815 SH   DFND 0 2,815 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 97 826 SH   SOLE 0 826 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 9 75 SH   DFND 0 75 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 251 2,654 SH   SOLE 0 2,654 0 0
PPL CORP COMMON STOCK 69351T106 338 9,934 SH   SOLE 0 9,934 0 0
PAYCHEX INC COMMON STOCK 704326107 24 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 6 140 SH   SOLE 0 140 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 164 3,370 SH   SOLE 0 3,370 0 0
PEPSICO INC COMMON STOCK 713448108 4,657 44,511 SH   SOLE 0 44,399 0 112
PEPSICO INC COMMON STOCK 713448108 1,534 14,661 SH   DFND 0 14,661 0 0
PFIZER INC COMMON STOCK 717081103 2,927 90,140 SH   SOLE 0 89,812 0 328
PFIZER INC COMMON STOCK 717081103 624 19,213 SH   DFND 0 19,213 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 613 6,695 SH   SOLE 0 6,695 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 100 1,090 SH   DFND 0 1,090 0 0
PHILLIPS 66 COMMON STOCK 718546104 259 2,998 SH   SOLE 0 2,998 0 0
PHILLIPS 66 COMMON STOCK 718546104 307 3,557 SH   DFND 0 3,557 0 0
PIEDMONT OFFICE REALTY REIT COMMON STOCK 720190206 7 343 SH   SOLE 0 343 0 0
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PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 75 738 SH   SOLE 0 492 0 246
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 400 3,944 SH   DFND 0 3,944 0 0
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PINNACLE WEST CPTLCORP COMMON STOCK 723484101 308 3,948 SH   SOLE 0 3,948 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 19 600 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 503 27,808 SH   SOLE 0 27,808 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 56 3,085 SH   DFND 0 3,085 0 0
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POWERSHARES NASDAQ INTERNET ETF/EQUITY 73935X146 23 274 SH   SOLE 0 274 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 397 15,000 SH   SOLE 0 15,000 0 0
POWERSHARES ETF TR II INSUR NATL MUN ETF/EQUITY 73936T474 31 1,250 SH   SOLE 0 1,250 0 0
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PRICELINE GROUP INC COMMON STOCK 741503403 21 14 SH   SOLE 0 14 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 5,101 60,665 SH   SOLE 0 60,453 0 212
PROCTER & GAMBLE CO COMMON STOCK 742718109 720 8,562 SH   DFND 0 8,562 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 32 305 SH   SOLE 0 305 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 13 126 SH   DFND 0 126 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,241 73,870 SH   SOLE 0 73,870 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 915 20,846 SH   DFND 0 20,846 0 0
QUALCOMM INC COMMON STOCK 747525103 460 7,048 SH   SOLE 0 7,048 0 0
QUALCOMM INC COMMON STOCK 747525103 111 1,700 SH   DFND 0 1,700 0 0
QUALITY CARE PPTYS INC COMMON STOCK 747545101 8 544 SH   SOLE 0 544 0 0
QUALITY CARE PPTYS INC COMMON STOCK 747545101 7 460 SH   DFND 0 460 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 10 105 SH   DFND 0 105 0 0
QUINTILES TRANSNATIONAL COMMON STOCK 74876Y101 8 100 SH   SOLE 0 100 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 12 470 SH   SOLE 0 470 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 2 80 SH   DFND 0 80 0 0
RAYTHEON CO COMMON STOCK 755111507 51 360 SH   SOLE 0 360 0 0
RAYTHEON CO COMMON STOCK 755111507 59 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 20 356 SH   SOLE 0 356 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 217 3,866 SH   SOLE 0 3,866 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 22 390 SH   DFND 0 390 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 229 5,954 SH   SOLE 0 5,954 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 17 450 SH   DFND 0 450 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 215 1,600 SH   SOLE 0 1,600 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 54 400 SH   DFND 0 400 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 209 2,250 SH   SOLE 0 2,250 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 56 600 SH   DFND 0 600 0 0
ROGERS COMMUNICATIONS INC CLASS B FOREIGN EQUITIES 775109200 11 280 SH   SOLE 0 280 0 0
ROGERS COMMUNICATIONS INC CLASS B FOREIGN EQUITIES 775109200 4 100 SH   DFND 0 100 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 560 8,265 SH   SOLE 0 8,265 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 91 1,350 SH   DFND 0 1,350 0 0
ROYAL DUTCH SHELL PLC CLASS A FOREIGN EQUITIES 780259206 443 8,150 SH   SOLE 0 8,150 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 4 63 SH   DFND 0 63 0 0
ROYCE GLOBAL VALUE TR INC COM ETF/EQUITY 78081T104 0 37 SH   SOLE 0 37 0 0
ROYCE VALUE TR INC ETF/EQUITY 780910105 3 261 SH   SOLE 0 261 0 0
GUGGENHEIM S&P SM CAP 600 PURE GROWTH ETF/EQUITY 78355W809 11 109 SH   SOLE 0 109 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 5,968 26,697 SH   SOLE 0 26,697 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 763 3,412 SH   DFND 0 3,412 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 11 100 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 42 1,175 SH   SOLE 0 1,175 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 54 1,600 SH   SOLE 0 1,600 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 89 2,440 SH   SOLE 0 2,440 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 35 950 SH   DFND 0 950 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 9 110 SH   SOLE 0 110 0 0
SPDR S&P BIOTECH ETF/EQUITY 78464A870 7 119 SH   SOLE 0 119 0 0
SSGA ACTIVE ETF TR BLKSTN GSOSRLN ETF/FIXED INCOME 78467V608 66 1,385 SH   SOLE 0 1,385 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC ETF/FIXED INCOME 78467V848 6,625 136,935 SH   SOLE 0 136,635 0 300
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 4,287 14,207 SH   SOLE 0 14,207 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,322 7,696 SH   DFND 0 7,696 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 30 625 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 14 210 SH   SOLE 0 210 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 11 157 SH   DFND 0 157 0 0
SCANA CORP COMMON STOCK 80589M102 118 1,615 SH   SOLE 0 1,615 0 0
SCANA CORP COMMON STOCK 80589M102 92 1,260 SH   DFND 0 1,260 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,376 16,389 SH   SOLE 0 16,389 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 13 160 SH   DFND 0 160 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 6 150 SH   DFND 0 150 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 1,224 19,920 SH   SOLE 0 19,920 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 126 2,046 SH   DFND 0 2,046 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 326 4,725 SH   SOLE 0 4,725 0 0
SPDR ENERGY SELECT ETF ETF/EQUITY 81369Y506 4 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 18 375 SH   SOLE 0 375 0 0
SPDR TECH SELECT SECTOR ETF ETF/EQUITY 81369Y803 331 6,844 SH   DFND 0 6,844 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC ETF/OTHER 81369Y860 1 40 SH   SOLE 0 40 0 0
SELECT SECTOR SPDR UTILITIES ETF/EQUITY 81369Y886 62 1,275 SH   SOLE 0 1,275 0 0
SEMPRA ENERGY COMMON STOCK 816851109 559 5,550 SH   SOLE 0 5,550 0 0
SEMPRA ENERGY COMMON STOCK 816851109 111 1,100 SH   DFND 0 1,100 0 0
SENSEONICS HOLDINGS INC COMMON STOCK 81727U105 3 1,000 SH   DFND 0 1,000 0 0
SHIRE PLC SPONSORED ADR COMMON STOCK 82481R106 4 22 SH   SOLE 0 22 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 7 355 SH   DFND 0 355 0 0
SMITH & WESSON HLDG CORP COMMON STOCK 831756101 5 235 SH   SOLE 0 235 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 79 1,500 SH   SOLE 0 1,500 0 0
SOURCE CAP INC COM ETF/EQUITY 836144105 10 275 SH   SOLE 0 275 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 386 7,842 SH   SOLE 0 7,842 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 53 1,075 SH   DFND 0 1,075 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 57 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 229 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 173 3,125 SH   SOLE 0 3,125 0 0
STATE STREET CORP COMMON STOCK 857477103 181 2,334 SH   SOLE 0 2,334 0 0
STRYKER CORP COMMON STOCK 863667101 701 5,852 SH   SOLE 0 5,852 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN CMNTYS INC COM COMMON STOCK 866674104 35 452 SH   SOLE 0 452 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 82 2,500 SH   SOLE 0 2,500 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 5 100 SH   DFND 0 100 0 0
SYNCHRONY FINANCIAL COMMON STOCK 87165B103 1 32 SH   SOLE 0 32 0 0
SYSCO CORP COMMON STOCK 871829107 1,424 25,725 SH   SOLE 0 25,725 0 0
SYSCO CORP COMMON STOCK 871829107 520 9,400 SH   DFND 0 9,400 0 0
TJX COMPANIES COMMON STOCK 872540109 36 475 SH   SOLE 0 475 0 0
TJX COMPANIES COMMON STOCK 872540109 8 105 SH   DFND 0 105 0 0
TARGET CORP COMMON STOCK 87612E106 458 6,347 SH   SOLE 0 6,347 0 0
TARGET CORP COMMON STOCK 87612E106 23 317 SH   DFND 0 317 0 0
TARGA RES CORP COMMON STOCK 87612G101 10 186 SH   SOLE 0 186 0 0
TASEKO MINES LTD COM FOREIGN EQUITIES 876511106 0 300 SH   SOLE 0 300 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 23 187 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 54 1,500 SH   SOLE 0 1,500 0 0
TETRA TECH INC NEW COM COMMON STOCK 88162G103 5 125 SH   SOLE 0 125 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 7 200 SH   SOLE 0 200 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 5 150 SH   DFND 0 150 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,161 15,915 SH   SOLE 0 15,915 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 179 2,450 SH   DFND 0 2,450 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 55 391 SH   SOLE 0 391 0 0
3M COMPANY COMMON STOCK 88579Y101 4,459 24,969 SH   SOLE 0 24,969 0 0
3M COMPANY COMMON STOCK 88579Y101 583 3,266 SH   DFND 0 3,266 0 0
TIER REIT INC COMMON STOCK 88650V208 4 217 SH   SOLE 0 217 0 0
TIME WARNER INC COMMON STOCK 887317303 13 138 SH   SOLE 0 138 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 429 4,543 SH   SOLE 0 4,543 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 660 13,375 SH   SOLE 0 13,375 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 53 1,075 SH   DFND 0 1,075 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 436 8,560 SH   SOLE 0 8,560 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 15 300 SH   DFND 0 300 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 23 200 SH   SOLE 0 200 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 7 145 SH   SOLE 0 145 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 7 145 SH   DFND 0 145 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 119 975 SH   SOLE 0 975 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 6 50 SH   DFND 0 50 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 7 842 SH   DFND 0 842 0 0
TWITTER INC COMMON STOCK 90184L102 0 22 SH   DFND 0 22 0 0
US BANCORP COMMON STOCK 902973304 2,325 45,260 SH   SOLE 0 45,021 0 239
US BANCORP COMMON STOCK 902973304 223 4,347 SH   DFND 0 4,347 0 0
UNILEVER NV ADR FOREIGN EQUITIES 904784709 21 500 SH   SOLE 0 500 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 113 1,088 SH   SOLE 0 1,088 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 55 532 SH   DFND 0 532 0 0
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106 1,767 15,410 SH   SOLE 0 15,314 0 96
UNITED PARCEL SERVICE CLASS B COMMON STOCK 911312106 98 858 SH   DFND 0 858 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,974 27,133 SH   SOLE 0 27,047 0 86
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 492 4,485 SH   DFND 0 4,485 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,380 8,625 SH   SOLE 0 8,625 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 44 275 SH   DFND 0 275 0 0
VF CORP COMMON STOCK 918204108 747 14,005 SH   SOLE 0 14,005 0 0
VF CORP COMMON STOCK 918204108 27 500 SH   DFND 0 500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 27 400 SH   SOLE 0 400 0 0
VANECK VECTORS HIGH YLD MUNI ETF/FIXED INCOME 92189F361 45 1,500 SH   SOLE 0 1,500 0 0
VANECK VECTORS AGRIBUSINESS ETF/EQUITY 92189F700 26 500 SH   SOLE 0 500 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 680 7,982 SH   SOLE 0 7,982 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 590 6,928 SH   DFND 0 6,928 0 0
VANGUARD WORLD FD MEGA GRWTH IND ETF/EQUITY 921910816 7 85 SH   SOLE 0 85 0 0
VANGUARD BD INDEX FD INC INTERMED TERM ETF/FIXED INCOME 921937819 260 3,125 SH   SOLE 0 3,125 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 3,720 46,827 SH   SOLE 0 46,182 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 1,964 24,308 SH   SOLE 0 23,413 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 688 8,521 SH   DFND 0 8,521 0 0
VANGUARD TAX MANAGED INTL FDMSCI EAFE ETF ETF/INTERNATIONAL EQUITY 921943858 124 3,400 SH   SOLE 0 3,400 0 0
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 5 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 801 13,500 SH   SOLE 0 13,500 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 246 4,150 SH   DFND 0 4,150 0 0
VANGUARD WORLD FDS HEALTH CARE ETF ETF/EQUITY 92204A504 10 81 SH   SOLE 0 81 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 525 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 152 1,425 SH   SOLE 0 1,425 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 999 27,919 SH   SOLE 0 27,919 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 144 4,033 SH   DFND 0 4,033 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 4,631 58,351 SH   SOLE 0 58,351 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 903 11,380 SH   DFND 0 11,380 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV ETF/FIXED INCOME 92206C706 744 11,635 SH   SOLE 0 11,520 0 115
VENTAS INC COMMON STOCK 92276F100 34 547 SH   SOLE 0 547 0 0
VENTAS INC COMMON STOCK 92276F100 2 35 SH   DFND 0 35 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 21 100 SH   SOLE 0 100 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF/EQUITY 922908512 19 200 SH   DFND 0 200 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 71 675 SH   SOLE 0 675 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 1,704 20,645 SH   SOLE 0 20,645 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 10 125 SH   DFND 0 125 0 0
VANGUARD INDEX FDS SML CP GRW ETF ETF/EQUITY 922908595 24 178 SH   SOLE 0 178 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 103 855 SH   SOLE 0 855 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 156 1,188 SH   SOLE 0 1,188 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 168 1,300 SH   SOLE 0 1,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF/EQUITY 922908769 7,473 64,800 SH   DFND 0 64,800 0 0
VERIFONE SYSTEMS INC COMMON STOCK 92342Y109 2 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,138 114,984 SH   SOLE 0 114,801 0 183
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,465 27,444 SH   DFND 0 27,444 0 0
VISA INC CLASS A COMMON STOCK 92826C839 289 3,700 SH   SOLE 0 3,700 0 0
VISA INC CLASS A COMMON STOCK 92826C839 21 272 SH   DFND 0 272 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 7 291 SH   SOLE 0 291 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 10 421 SH   DFND 0 421 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 320 4,200 SH   SOLE 0 4,200 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 190 3,244 SH   SOLE 0 3,244 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,186 31,637 SH   SOLE 0 31,525 0 112
WAL MART STORES INC COMMON STOCK 931142103 482 6,968 SH   DFND 0 6,968 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 566 6,840 SH   SOLE 0 6,840 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 29 355 SH   DFND 0 355 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 28 400 SH   SOLE 0 400 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 34 475 SH   DFND 0 475 0 0
WELLS FARGO & CO COMMON STOCK 949746101 2,337 42,409 SH   SOLE 0 42,279 0 130
WELLS FARGO & CO COMMON STOCK 949746101 217 3,942 SH   DFND 0 3,942 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 48 1,600 SH   SOLE 0 1,600 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 4 130 SH   SOLE 0 130 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 3 95 SH   DFND 0 95 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 1 167 SH   DFND 0 167 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 1,258 18,695 SH   SOLE 0 18,695 0 0
WISDOMTREE HIGH DIVIDEND FD ETF/EQUITY 97717W208 34 505 SH   DFND 0 505 0 0
WISDOMTREE TR BLMBG US BULL ETF/OTHER 97717W471 2,612 93,410 SH   SOLE 0 93,215 0 195
XCEL ENERGY INC COMMON STOCK 98389B100 8 200 SH   SOLE 0 200 0 0