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
ALLEGION PLC FOREIGN EQUITIES G0176J109 26 331 SH   SOLE 0 331 0 0
ALLERGAN PLC FOREIGN EQUITIES G0177J108 17 100 SH   SOLE 0 100 0 0
ARGO GROUP INTERNATIONAL HOLDINGS LTD FOREIGN EQUITIES G0464B107 3 46 SH   SOLE 0 46 0 0
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101 47 287 SH   SOLE 0 287 0 0
BROOKFIELD BUSINESS PARTNERSUNIT LTD LP FOREIGN EQUITIES G16234109 1 20 SH   DFND 0 20 0 0
BROOKFIELD PROPERTY PARTNERS FOREIGN EQUITIES G16249107 1 38 SH   DFND 0 38 0 0
BROOKFIELD INFRASTRUCTURE PARTNERS LP FOREIGN EQUITIES G16252101 2 40 SH   DFND 0 40 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 60 799 SH   SOLE 0 799 0 0
EATON CORP PLC FOREIGN EQUITIES G29183103 35 473 SH   DFND 0 473 0 0
IHS MARKIT LTD. FOREIGN EQUITIES G47567105 6 107 SH   SOLE 0 107 0 0
INGERSOLL-RAND PLC FOREIGN EQUITIES G47791101 117 1,307 SH   SOLE 0 1,307 0 0
JOHNSON CTLS INTL PLC FOREIGN EQUITIES G51502105 4 110 SH   SOLE 0 110 0 0
MALLINCKRODT PLC FOREIGN EQUITIES G5785G107 1 37 SH   SOLE 0 37 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 828 9,672 SH   SOLE 0 9,672 0 0
MEDTRONIC PLC FOREIGN EQUITIES G5960L103 38 440 SH   DFND 0 440 0 0
NOBLE CORP PLC FOREIGN EQUITIES G65431101 11 1,750 SH   SOLE 0 1,750 0 0
SEADRILL LTD FOREIGN EQUITIES G7945E105 0 170 SH   SOLE 0 170 0 0
SEAGATE TECHNOLOGY PLC FOREIGN EQUITIES G7945M107 9 165 SH   SOLE 0 165 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 1,220 9,602 SH   SOLE 0 9,602 0 0
CHUBB LTD FOREIGN EQUITIES H1467J104 125 982 SH   DFND 0 982 0 0
TE CONNECTIVITY LTD FOREIGN EQUITIES H84989104 4 43 SH   SOLE 0 43 0 0
CHECK POINT SOFTWARE TECH LT FOREIGN EQUITIES M22465104 4 37 SH   SOLE 0 37 0 0
VASCULAR BIOGENICS LTD FOREIGN EQUITIES M96883109 2 1,000 SH   SOLE 0 1,000 0 0
LYONDELLBASELL INDUSTRIES NV FOREIGN EQUITIES N53745100 2 19 SH   SOLE 0 19 0 0
NXP SEMICONDUCTORS NV FOREIGN EQUITIES N6596X109 4 40 SH   SOLE 0 40 0 0
ABB LTD ADR FOREIGN EQUITIES 000375204 7 300 SH   SOLE 0 300 0 0
AFLAC INC COMMON STOCK 001055102 6 148 SH   SOLE 0 148 0 0
ALPS SECTOR DIV DOGS ETF ETF/EQUITY 00162Q858 11 250 SH   SOLE 0 250 0 0
ALERIAN MLP ETF ETF/OTHER 00162Q866 267 26,395 SH   SOLE 0 25,830 0 565
ALERIAN MLP ETF ETF/OTHER 00162Q866 6 615 SH   DFND 0 615 0 0
AT&T INC COMMON STOCK 00206R102 6,397 199,229 SH   SOLE 0 199,019 0 210
AT&T INC COMMON STOCK 00206R102 1,301 40,502 SH   DFND 0 40,502 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 2,363 38,747 SH   SOLE 0 38,747 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 272 4,460 SH   DFND 0 4,460 0 0
ABBVIE INC COMMON STOCK 00287Y109 4,999 53,955 SH   SOLE 0 53,955 0 0
ABBVIE INC COMMON STOCK 00287Y109 616 6,650 SH   DFND 0 6,650 0 0
ACCURAY INC COMMON STOCK 004397105 1 300 SH   SOLE 0 300 0 0
ADOBE SYS INC COMMON STOCK 00724F101 98 400 SH   SOLE 0 400 0 0
ADVANSIX INC COMMON STOCK 00773T101 0 13 SH   SOLE 0 13 0 0
AETNA INC COMMON STOCK 00817Y108 11 58 SH   SOLE 0 58 0 0
AETNA INC COMMON STOCK 00817Y108 55 300 SH   DFND 0 300 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 5 76 SH   DFND 0 76 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 332 2,130 SH   SOLE 0 2,130 0 0
ALBEMARLE CORP COMMON STOCK 012653101 8 85 SH   SOLE 0 85 0 0
ALCOA CORP COMMON STOCK 013872106 21 444 SH   DFND 0 444 0 0
ALIBABA GROUP HLD FOREIGN EQUITIES 01609W102 6 34 SH   DFND 0 34 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 10 235 SH   SOLE 0 235 0 0
ALLSTATE CORP COMMON STOCK 020002101 18 200 SH   SOLE 0 200 0 0
ALLSTATE CORP COMMON STOCK 020002101 42 460 SH   DFND 0 460 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 152 136 SH   SOLE 0 136 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107 6 5 SH   DFND 0 5 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 230 204 SH   SOLE 0 204 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305 11 10 SH   DFND 0 10 0 0
ALTABA INC COMMON STOCK 021346101 15 200 SH   DFND 0 200 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 992 17,476 SH   SOLE 0 17,476 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 72 1,274 SH   DFND 0 1,274 0 0
AMAZON.COM INC COMMON STOCK 023135106 102 60 SH   SOLE 0 60 0 0
AMAZON.COM INC COMMON STOCK 023135106 24 14 SH   DFND 0 14 0 0
AMEREN CORP COMMON STOCK 023608102 152 2,498 SH   SOLE 0 2,498 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 280 4,046 SH   SOLE 0 4,046 0 0
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 223 3,219 SH   DFND 0 3,219 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 810 8,266 SH   SOLE 0 8,266 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 44 450 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 15 105 SH   SOLE 0 105 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106 6 40 SH   DFND 0 40 0 0
AMGEN INC COMMON STOCK 031162100 1,201 6,509 SH   SOLE 0 6,509 0 0
AMGEN INC COMMON STOCK 031162100 429 2,325 SH   DFND 0 2,325 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 17 238 SH   SOLE 0 238 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 65 677 SH   SOLE 0 677 0 0
ANTHEM INC COMMON STOCK 036752103 565 2,375 SH   SOLE 0 2,375 0 0
APACHE CORP COMMON STOCK 037411105 143 3,055 SH   SOLE 0 3,055 0 0
APERGY CORP COMMON STOCK 03755L104 1 33 SH   SOLE 0 33 0 0
APERGY CORP COMMON STOCK 03755L104 3 62 SH   DFND 0 62 0 0
APPLE INC COMMON STOCK 037833100 18,309 98,908 SH   SOLE 0 98,908 0 0
APPLE INC COMMON STOCK 037833100 486 2,627 SH   DFND 0 2,627 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 18 400 SH   SOLE 0 400 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 26 560 SH   DFND 0 560 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 291 8,270 SH   SOLE 0 8,270 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 110 SH   SOLE 0 110 0 0
ARCONIC INC COMMON STOCK 03965L100 23 1,333 SH   DFND 0 1,333 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 239 6,578 SH   SOLE 0 6,578 0 0
ASTRAZENECA PLC ADR FOREIGN EQUITIES 046353108 8 238 SH   SOLE 0 238 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,551 19,017 SH   SOLE 0 19,017 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 578 4,312 SH   DFND 0 4,312 0 0
BB&T CORP COMMON STOCK 054937107 115 2,285 SH   SOLE 0 2,285 0 0
BB&T CORP COMMON STOCK 054937107 44 875 SH   DFND 0 875 0 0
BP PLC ADR FOREIGN EQUITIES 055622104 103 2,260 SH   DFND 0 2,260 0 0
BWX TECHNOLOGIES INC COMMON STOCK 05605H100 3 55 SH   DFND 0 55 0 0
BANCO BILBAO VIZCAYA ARGENTARIA SA FOREIGN EQUITIES 05946K101 1 151 SH   SOLE 0 151 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 162 5,744 SH   SOLE 0 5,744 0 0
BANK OF HAWAII CORP COMMON STOCK 062540109 8 100 SH   DFND 0 100 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 228 4,230 SH   SOLE 0 4,230 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 19 353 SH   DFND 0 353 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 2 27 SH   SOLE 0 27 0 0
BARRICK GOLD CORP FOREIGN EQUITIES 067901108 5 395 SH   SOLE 0 395 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 122 1,655 SH   SOLE 0 1,655 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 852 3,555 SH   SOLE 0 3,555 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 240 1,000 SH   DFND 0 1,000 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 7 345 SH   SOLE 0 345 0 0
BEMIS CO INC COMMON STOCK 081437105 412 9,772 SH   SOLE 0 9,772 0 0
BEMIS CO INC COMMON STOCK 081437105 207 4,900 SH   DFND 0 4,900 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 1,218 6,525 SH   SOLE 0 6,525 0 0
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670702 89 475 SH   DFND 0 475 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 46 1,127 SH   SOLE 0 1,127 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 11 264 SH   DFND 0 264 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 721 14,427 SH   SOLE 0 14,427 0 0
BHP BILLITON LTD ADR FOREIGN EQUITIES 088606108 145 2,900 SH   DFND 0 2,900 0 0
BIOGEN INC COMMON STOCK 09062X103 232 800 SH   DFND 0 800 0 0
BLACKBERRY LTD NPV FOREIGN EQUITIES 09228F103 31 3,240 SH   SOLE 0 3,240 0 0
BLACKROCK INC COMMON STOCK 09247X101 90 180 SH   SOLE 0 180 0 0
BLACKROCK ENHANCED EQT DIV ETF/EQUITY 09251A104 52 5,703 SH   DFND 0 5,703 0 0
THE BLACKSTONE GROUP L P COMMON STOCK 09253U108 3 100 SH   DFND 0 100 0 0
BLACKROCK MUNIHLDGS NY QLTY NY TAX EXEMPT 09255C106 48 3,849 SH   SOLE 0 3,849 0 0
BLOCK H & R INC COMMON STOCK 093671105 2 67 SH   SOLE 0 67 0 0
BLUE APRON HOLDINGS INC COMMON STOCK 09523Q101 0 100 SH   SOLE 0 100 0 0
BOEING COMPANY COMMON STOCK 097023105 1,347 4,016 SH   SOLE 0 4,016 0 0
BOEING COMPANY COMMON STOCK 097023105 23 70 SH   DFND 0 70 0 0
BOOKING HLDGS INC COMMON STOCK 09857L108 12 6 SH   SOLE 0 6 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 7 200 SH   SOLE 0 200 0 0
BRIGHTHOUSE FINANCIAL INC COMMON STOCK 10922N103 0 7 SH   SOLE 0 7 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 1,537 27,776 SH   SOLE 0 27,776 0 0
BRISTOL MYERS SQUIBB COMPANY COMMON STOCK 110122108 666 12,034 SH   DFND 0 12,034 0 0
BRITISH AMERICAN TOBACCO ADR FOREIGN EQUITIES 110448107 5 101 SH   SOLE 0 101 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103 133 1,157 SH   SOLE 0 1,157 0 0
BROADCOM INC COM COMMON STOCK 11135F101 40 165 SH   SOLE 0 165 0 0
BROOKFIELD ASSET MGMT INC CLASS A FOREIGN EQUITIES 112585104 41 1,017 SH   DFND 0 1,017 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 11 300 SH   DFND 0 300 0 0
CBS CORP CLASS B COMMON STOCK 124857202 19 339 SH   SOLE 0 339 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 76 1,166 SH   SOLE 0 1,166 0 0
CDK GLOBAL INC COMMON STOCK 12508E101 17 265 SH   DFND 0 265 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 1,050 12,547 SH   SOLE 0 12,547 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 52 625 SH   DFND 0 625 0 0
CIGNA CORP. COMMON STOCK 125509109 156 918 SH   SOLE 0 918 0 0
CMS ENERGY CORP COMMON STOCK 125896100 11 235 SH   SOLE 0 235 0 0
CSX CORP COMMON STOCK 126408103 21 335 SH   SOLE 0 335 0 0
CSX CORP COMMON STOCK 126408103 191 3,000 SH   DFND 0 3,000 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,355 21,050 SH   SOLE 0 21,050 0 0
CVS HEALTH CORP COMMON STOCK 126650100 64 1,000 SH   DFND 0 1,000 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 8 200 SH   DFND 0 200 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 62 675 SH   SOLE 0 675 0 0
CARLISLE COS INC COMMON STOCK 142339100 24 225 SH   SOLE 0 225 0 0
CATERPILLAR INC COMMON STOCK 149123101 796 5,866 SH   SOLE 0 5,866 0 0
CATERPILLAR INC COMMON STOCK 149123101 188 1,387 SH   DFND 0 1,387 0 0
CELGENE CORP COMMON STOCK 151020104 261 3,285 SH   SOLE 0 3,285 0 0
CELGENE CORP COMMON STOCK 151020104 155 1,950 SH   DFND 0 1,950 0 0
CENTENNIAL RESOURCE DEV INC COMMON STOCK 15136A102 4 200 SH   DFND 0 200 0 0
THE CHEMOURS CO COMMON STOCK 163851108 10 230 SH   SOLE 0 230 0 0
THE CHEMOURS CO COMMON STOCK 163851108 16 360 SH   DFND 0 360 0 0
CHEVRON CORP COMMON STOCK 166764100 3,435 27,167 SH   SOLE 0 27,167 0 0
CHEVRON CORP COMMON STOCK 166764100 725 5,736 SH   DFND 0 5,736 0 0
CHURCH & DWIGHT CO INC COMMON STOCK 171340102 19 362 SH   SOLE 0 362 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 5,394 125,384 SH   SOLE 0 125,384 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,342 31,189 SH   DFND 0 31,189 0 0
CINTAS CORPORATION COMMON STOCK 172908105 6 34 SH   SOLE 0 34 0 0
CITIGROUP INC COMMON STOCK 172967424 54 802 SH   SOLE 0 802 0 0
CITIGROUP INC COMMON STOCK 172967424 7 100 SH   DFND 0 100 0 0
CITIZENS FINANCIAL GROUP INC COMMON STOCK 174610105 20 525 SH   SOLE 0 525 0 0
CLEARBRIDGE ENERGY MLP FD MUTUAL FUNDS MID CAP EQUITY 184692101 6 400 SH   DFND 0 400 0 0
CLOROX COMPANY COMMON STOCK 189054109 32 233 SH   SOLE 0 233 0 0
COCA COLA COMPANY COMMON STOCK 191216100 4,695 107,039 SH   SOLE 0 107,039 0 0
COCA COLA COMPANY COMMON STOCK 191216100 1,295 29,534 SH   DFND 0 29,534 0 0
COGNEX CORP COMMON STOCK 192422103 9 200 SH   SOLE 0 200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 629 9,706 SH   SOLE 0 9,706 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 641 9,886 SH   DFND 0 9,886 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF ETF/INTERNATIONAL EQUITY 19762B509 2,547 104,575 SH   SOLE 0 104,465 0 110
COLUMBIA EMERGING MARKETS CONSUMER ETF ETF/INTERNATIONAL EQUITY 19762B509 2 75 SH   DFND 0 75 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 1,202 36,636 SH   SOLE 0 36,636 0 0
COMCAST CORP CLASS A COMMON STOCK 20030N101 120 3,649 SH   DFND 0 3,649 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 325 5,500 SH   SOLE 0 5,500 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 1,308 22,150 SH   DFND 0 22,150 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 5 150 SH   SOLE 0 150 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,379 19,809 SH   SOLE 0 19,809 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 361 5,192 SH   DFND 0 5,192 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 544 6,971 SH   SOLE 0 6,971 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 101 1,300 SH   DFND 0 1,300 0 0
CONSTELLATION BRANDS INC CLASS A COMMON STOCK 21036P108 315 1,441 SH   SOLE 0 1,441 0 0
CORNING INC COMMON STOCK 219350105 180 6,560 SH   SOLE 0 6,560 0 0
CORNING INC COMMON STOCK 219350105 38 1,367 SH   DFND 0 1,367 0 0
COSTCO COMMON STOCK 22160K105 92 440 SH   SOLE 0 440 0 0
COSTCO COMMON STOCK 22160K105 11 55 SH   DFND 0 55 0 0
CRESTWOOD EQUITY PARTNERS LP COMMON STOCK 226344208 1 22 SH   DFND 0 22 0 0
CRYOPORT INC COMMON STOCK 229050307 16 1,000 SH   DFND 0 1,000 0 0
CUMMINS INC COMMON STOCK 231021106 1,686 12,677 SH   SOLE 0 12,677 0 0
CUMMINS INC COMMON STOCK 231021106 135 1,015 SH   DFND 0 1,015 0 0
CURTISS WRIGHT CORP COMMON STOCK 231561101 5 40 SH   SOLE 0 40 0 0
XTRACKERS MSCI EUROPE HEDGED EQUITY - ETF ETF/INTERNATIONAL EQUITY 233051853 57 2,049 SH   SOLE 0 2,049 0 0
DXC TECHNOLOGY CO COMMON STOCK 23355L106 3 34 SH   DFND 0 34 0 0
DANAHER CORP COMMON STOCK 235851102 49 500 SH   SOLE 0 500 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 134 1,254 SH   SOLE 0 1,254 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 276 2,580 SH   DFND 0 2,580 0 0
DEERE & COMPANY COMMON STOCK 244199105 22 155 SH   SOLE 0 155 0 0
DELL VMWARE TRACKING CL V COMMON STOCK 24703L103 9 101 SH   SOLE 0 101 0 0
DENTSPLY SIRONA INC COMMON STOCK 24906P109 18 414 SH   SOLE 0 414 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 20 449 SH   SOLE 0 449 0 0
DIAGEO PLC ADR FOREIGN EQUITIES 25243Q205 35 240 SH   SOLE 0 240 0 0
DIGITAL REALTY TRUST INC COMMON STOCK 253868103 15 130 SH   SOLE 0 130 0 0
WALT DISNEY CO COMMON STOCK 254687106 3,262 31,127 SH   SOLE 0 31,127 0 0
WALT DISNEY CO COMMON STOCK 254687106 227 2,163 SH   DFND 0 2,163 0 0
DISCOVER FINANCIAL SERVICES COMMON STOCK 254709108 11 159 SH   SOLE 0 159 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 146 1,477 SH   SOLE 0 1,477 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 18 180 SH   DFND 0 180 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 2,409 35,333 SH   SOLE 0 35,233 0 100
DOMINION ENERGY INC COMMON STOCK 25746U109 875 12,835 SH   DFND 0 12,835 0 0
DOMTAR INC. COMMON STOCK 257559203 7 140 SH   SOLE 0 140 0 0
DOVER CORP COMMON STOCK 260003108 5 66 SH   SOLE 0 66 0 0
DOVER CORP COMMON STOCK 260003108 9 125 SH   DFND 0 125 0 0
DOWDUPONT INC COMMON STOCK 26078J100 4,780 72,509 SH   SOLE 0 72,364 0 145
DOWDUPONT INC COMMON STOCK 26078J100 859 13,033 SH   DFND 0 13,033 0 0
DR PEPPER SNAPPLE GROUP INC COMMON STOCK 26138E109 26 216 SH   SOLE 0 216 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 380 4,807 SH   SOLE 0 4,807 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 44 552 SH   DFND 0 552 0 0
ENI S P A SPONSORED ADR FOREIGN EQUITIES 26874R108 1 31 SH   SOLE 0 31 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 440 3,535 SH   SOLE 0 3,535 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 10 80 SH   DFND 0 80 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 9 90 SH   SOLE 0 90 0 0
EATON VANCE CORP COMMON STOCK 278265103 3 64 SH   SOLE 0 64 0 0
EATON VANCE TXMGD GL BUYWR ALTERNATIVE INVESTMENTS 27829C105 12 1,000 SH   SOLE 0 1,000 0 0
ECOLAB INC COMMON STOCK 278865100 108 770 SH   SOLE 0 770 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 13 86 SH   SOLE 0 86 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 2,434 35,212 SH   SOLE 0 35,212 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 320 4,631 SH   DFND 0 4,631 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105 7 195 SH   SOLE 0 195 0 0
ENBRIDGE ENERGY PARTNERS LP COMMON STOCK 29250R106 2 200 SH   DFND 0 200 0 0
ENERGEN CORP COMMON STOCK 29265N108 29 400 SH   SOLE 0 400 0 0
ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 12 700 SH   DFND 0 700 0 0
ENERGY TRANSFER PARTNERS LP COMMON STOCK 29278N103 9 454 SH   DFND 0 454 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 80 2,910 SH   SOLE 0 2,910 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 8 275 SH   DFND 0 275 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 6 95 SH   SOLE 0 95 0 0
EVOLUTION PETROLEUM CORP COMMON STOCK 30049A107 2 200 SH   SOLE 0 200 0 0
EXELON CORP COMMON STOCK 30161N101 1,741 40,870 SH   SOLE 0 40,870 0 0
EXELON CORP COMMON STOCK 30161N101 360 8,460 SH   DFND 0 8,460 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 48 619 SH   SOLE 0 619 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 12 160 SH   DFND 0 160 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,468 90,283 SH   SOLE 0 90,183 0 100
EXXON MOBIL CORP COMMON STOCK 30231G102 2,536 30,660 SH   DFND 0 30,660 0 0
FNCB BANCORP INC COMMON STOCK 302578109 379 42,754 SH   SOLE 0 42,754 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 77 395 SH   SOLE 0 395 0 0
FACEBOOK INC CLASS A COMMON STOCK 30303M102 24 125 SH   DFND 0 125 0 0
FACTSET RESEARCH SYSTEMS INC COMMON STOCK 303075105 5 26 SH   SOLE 0 26 0 0
FATE THERAPEUTICS INC COMMON STOCK 31189P102 17 1,500 SH   SOLE 0 1,500 0 0
FASTENAL CO COMMON STOCK 311900104 158 3,276 SH   SOLE 0 3,276 0 0
FASTENAL CO COMMON STOCK 311900104 144 3,000 SH   DFND 0 3,000 0 0
FEDEX CORP COMMON STOCK 31428X106 67 295 SH   SOLE 0 295 0 0
FIDELITY D & D BANCORP COMMON STOCK 31609R100 272 4,395 SH   SOLE 0 4,395 0 0
FIDELITY NATIONAL FINANCIAL INC COMMON STOCK 31620R303 8 205 SH   SOLE 0 205 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 19 655 SH   DFND 0 655 0 0
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 1,673 47,225 SH   SOLE 0 47,145 0 80
FIRST TRUST NASDAQ TECH DIV ETF/EQUITY 33738R118 2 60 SH   DFND 0 60 0 0
FISERV INC COMMON STOCK 337738108 10 132 SH   SOLE 0 132 0 0
FLEXSHARES IBOXX 5YR TARGET DURATION TIPS ETF ETF/FIXED INCOME 33939L605 432 17,500 SH   SOLE 0 17,305 0 195
FLEXSHARES IBOXX 5YR TARGET DURATION TIPS ETF ETF/FIXED INCOME 33939L605 4 150 SH   DFND 0 150 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 31 2,840 SH   SOLE 0 2,840 0 0
FORD MOTOR COMPANY COMMON STOCK 345370860 12 1,115 SH   DFND 0 1,115 0 0
FORTIVE CORP COMMON STOCK 34959J108 18 230 SH   SOLE 0 230 0 0
FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 11 200 SH   SOLE 0 200 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 10 132 SH   DFND 0 132 0 0
FRONTIER COMMUNICATIONS CORPCL B COMMON STOCK 35906A306 0 12 SH   SOLE 0 12 0 0
GABELLI DIVIDEND & INCOME ETF/EQUITY 36242H104 16 700 SH   SOLE 0 700 0 0
GABELLI GLOBAL SMALL & MID CAP MUTUAL FUNDS MID CAP EQUITY 36249W104 1 70 SH   SOLE 0 70 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 9 135 SH   SOLE 0 135 0 0
ARTHUR J GALLAGHER & CO COMMON STOCK 363576109 13 200 SH   DFND 0 200 0 0
GAP INC DEL COMMON STOCK 364760108 87 2,700 SH   SOLE 0 2,700 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 520 2,788 SH   SOLE 0 2,788 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 5 25 SH   DFND 0 25 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 2,355 173,060 SH   SOLE 0 172,810 0 250
GENERAL ELECTRIC CO COMMON STOCK 369604103 465 34,184 SH   DFND 0 34,184 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,539 34,771 SH   SOLE 0 34,771 0 0
GENERAL MILLS INC COMMON STOCK 370334104 435 9,835 SH   DFND 0 9,835 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 24 613 SH   SOLE 0 613 0 0
GENUINE PARTS CO COMMON STOCK 372460105 46 496 SH   SOLE 0 496 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 865 12,217 SH   SOLE 0 12,217 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 57 800 SH   DFND 0 800 0 0
GLOBAL X MLP ETF ETF/EQUITY 37950E473 2,082 227,340 SH   SOLE 0 227,340 0 0
GLOBAL X MLP ETF ETF/EQUITY 37950E473 3 350 SH   DFND 0 350 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 54 246 SH   SOLE 0 246 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 4 17 SH   DFND 0 17 0 0
GRAMERCY PPTY TR COMMON STOCK 385002308 12 420 SH   SOLE 0 420 0 0
GRIFOLS, S.A. FOREIGN EQUITIES 398438408 6 275 SH   SOLE 0 275 0 0
HCA HOLDINGS INC COMMON STOCK 40412C101 3 28 SH   SOLE 0 28 0 0
HSBC HOLDINGS PLC ADR FOREIGN EQUITIES 404280406 4 80 SH   SOLE 0 80 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 11 400 SH   SOLE 0 400 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 53 2,000 SH   DFND 0 2,000 0 0
HP INC COMMON STOCK 40434L105 2 100 SH   SOLE 0 100 0 0
HP INC COMMON STOCK 40434L105 9 400 SH   DFND 0 400 0 0
HALLIBURTON CO COMMON STOCK 406216101 66 1,460 SH   SOLE 0 1,460 0 0
HALYARD HEALTH INC COMMON STOCK 40650V100 9 150 SH   DFND 0 150 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 8 200 SH   SOLE 0 200 0 0
HARRIS CORP DEL COMMON STOCK 413875105 8 53 SH   SOLE 0 53 0 0
HARRIS CORP DEL COMMON STOCK 413875105 4 30 SH   DFND 0 30 0 0
HASBRO INC COMMON STOCK 418056107 22 243 SH   SOLE 0 243 0 0
HERSHEY CO COMMON STOCK 427866108 121 1,300 SH   SOLE 0 1,300 0 0
HERSHEY CO COMMON STOCK 427866108 93 1,000 SH   DFND 0 1,000 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 1 100 SH   SOLE 0 100 0 0
HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 6 400 SH   DFND 0 400 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,469 7,529 SH   SOLE 0 7,529 0 0
HOME DEPOT INC COMMON STOCK 437076102 313 1,606 SH   DFND 0 1,606 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 629 4,370 SH   SOLE 0 4,370 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 18 125 SH   DFND 0 125 0 0
IDEX CORP COMMON STOCK 45167R104 41 300 SH   SOLE 0 300 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,598 18,751 SH   SOLE 0 18,751 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 489 3,530 SH   DFND 0 3,530 0 0
INFINITY PHARMACEUTICALS INC COMMON STOCK 45665G303 27 14,000 SH   SOLE 0 14,000 0 0
ING GROEP NV ADR FOREIGN EQUITIES 456837103 5 340 SH   SOLE 0 340 0 0
INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 42 12,000 SH   SOLE 0 12,000 0 0
INTEL CORP COMMON STOCK 458140100 6,344 127,643 SH   SOLE 0 127,428 0 215
INTEL CORP COMMON STOCK 458140100 1,309 26,343 SH   DFND 0 26,343 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 6,803 48,695 SH   SOLE 0 48,695 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,982 78,609 SH   DFND 0 78,609 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 23 436 SH   SOLE 0 436 0 0
INTERNATIONAL SPEEDWAY CORP CLASS A COMMON STOCK 460335201 116 2,600 SH   SOLE 0 2,600 0 0
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR ETF/FIXED INCOME 46090A887 40 800 SH   SOLE 0 800 0 0
INVESCO QQQ TRUST ETF/EQUITY 46090E103 94 550 SH   SOLE 0 550 0 0
INVESCO EXCHANGE TRADED FD TWATER RES ETF ETF/EQUITY 46137V142 2 50 SH   SOLE 0 50 0 0
INVESCO EXCHANGE TRADED FD TS&P SML600 GWT ETF/EQUITY 46137V175 14 109 SH   SOLE 0 109 0 0
INVESCO EXCHANGE TRADED FD TNASDAQ INTERNT ETF/EQUITY 46137V530 21 150 SH   SOLE 0 150 0 0
INVESCO FTSE RAFI US1000 ETF ETF/EQUITY 46137V613 13 115 SH   SOLE 0 115 0 0
INVESCO EXCHNG TRADED FD TR NATL AMT MUNI ETF/EQUITY 46138E537 31 1,250 SH   SOLE 0 1,250 0 0
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 2,655 49,525 SH   SOLE 0 49,420 0 105
INVESCO KBW BANK ETF ETF/EQUITY 46138E628 3 50 SH   DFND 0 50 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 2,142 86,215 SH   SOLE 0 86,215 0 0
INVESCO VARIABLE RATE PFD ETF/EQUITY 46138G870 20 800 SH   DFND 0 800 0 0
INVESCO BULLETSHARES 18 CORPBOND ETF ETF/FIXED INCOME 46138J106 8 375 SH   SOLE 0 375 0 0
INVESCO BULLETSHARES 18 HIGHYIELD CORP BOND ETF ETF/FIXED INCOME 46138J205 486 19,360 SH   SOLE 0 18,960 0 400
INVESCO BULLETSHARES 18 HIGHYIELD CORP BOND ETF ETF/FIXED INCOME 46138J205 8 305 SH   DFND 0 305 0 0
INVESCO BULLETSHARES 19 CORPBOND ETF ETF/FIXED INCOME 46138J304 31 1,500 SH   SOLE 0 1,500 0 0
INVESCO BULLETSHARES 19 HIGHYIELD CORP BOND ETF ETF/FIXED INCOME 46138J403 930 38,470 SH   SOLE 0 37,945 0 525
INVESCO BULLETSHARES 19 HIGHYIELD CORP BOND ETF ETF/FIXED INCOME 46138J403 14 560 SH   DFND 0 560 0 0
INVESCO BULLETSHARES 21 CORPBOND ETF ETF/FIXED INCOME 46138J700 24 1,165 SH   SOLE 0 1,165 0 0
INVESCO BULLETSHARES 21 CORPBOND ETF ETF/FIXED INCOME 46138J700 14 670 SH   DFND 0 670 0 0
INVESCO BULLETSHARES 22 CORPBOND ETF ETF/FIXED INCOME 46138J882 31 1,500 SH   SOLE 0 1,500 0 0
IQVIA HLDGS INC COMMON STOCK 46266C105 10 100 SH   SOLE 0 100 0 0
IRIDIUM COMMUNICATIONS INC COMMON STOCK 46269C102 3 200 SH   DFND 0 200 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 11 750 SH   SOLE 0 750 0 0
ISHARES SILVER TRUST ETF/OTHER 46428Q109 28 1,872 SH   DFND 0 1,872 0 0
ISHARES GOLD TRUST ETF/OTHER 464285105 2,461 204,738 SH   SOLE 0 204,333 0 405
ISHARES GOLD TRUST ETF/OTHER 464285105 4 300 SH   DFND 0 300 0 0
ISHARES MSCI CANADA ETF ETF/INTERNATIONAL EQUITY 464286509 241 8,459 SH   SOLE 0 8,459 0 0
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 4,911 84,905 SH   SOLE 0 84,805 0 100
ISHARES MSCI MIN VOL EMERGE MARKETS ETF ETF/INTERNATIONAL EQUITY 464286533 4 75 SH   DFND 0 75 0 0
ISHARES CORE S&P TOTAL US STOCK MKT ETF ETF/EQUITY 464287150 8 120 SH   SOLE 0 120 0 0
ISHARES SELECT DIVIDEND ETF ETF/EQUITY 464287168 94 958 SH   SOLE 0 958 0 0
ISHARES TIPS BOND ETF ETF/FIXED INCOME 464287176 1,227 10,872 SH   SOLE 0 10,872 0 0
ISHARES CORE S&P 500 ETF ETF/EQUITY 464287200 38,051 139,360 SH   SOLE 0 139,360 0 0
ISHARES CORE US AGGREGATE BOND ETF ETF/FIXED INCOME 464287226 11 100 SH   SOLE 0 100 0 0
ISHARES MSCI EMERGING MKTS ETF ETF/INTERNATIONAL EQUITY 464287234 129 2,980 SH   SOLE 0 2,980 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 158 1,376 SH   SOLE 0 1,376 0 0
ISHARES IBOXX $ INVMT GRADE CORP BOND ETF ETF/FIXED INCOME 464287242 58 510 SH   DFND 0 510 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 11 65 SH   SOLE 0 65 0 0
ISHARES S&P 500 GROWTH ETF ETF/EQUITY 464287309 7 45 SH   DFND 0 45 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF/EQUITY 464287325 29 520 SH   SOLE 0 520 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 10 90 SH   SOLE 0 90 0 0
ISHARES S&P 500 VALUE ETF ETF/EQUITY 464287408 7 60 SH   DFND 0 60 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 60 716 SH   SOLE 0 716 0 0
ISHARES 1-3 YR TREASURY BONDETF ETF/FIXED INCOME 464287457 25 300 SH   DFND 0 300 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,723 25,735 SH   SOLE 0 25,735 0 0
ISHARES MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 464287465 1,218 18,190 SH   DFND 0 18,190 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 3,347 37,819 SH   SOLE 0 37,819 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 201 2,275 SH   DFND 0 2,275 0 0
ISHARES RUSSELL MIDCAP GROW ETF ETF/EQUITY 464287481 41 325 SH   SOLE 0 325 0 0
ISHARES TR RUS MID-CAP ETF ETF/EQUITY 464287499 31 145 SH   SOLE 0 145 0 0
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 13,256 68,054 SH   SOLE 0 67,984 0 70
ISHARES CORE S&P MIDCAP ETF ETF/EQUITY 464287507 58 300 SH   DFND 0 300 0 0
ISHARES NASDAQ BIOTECHNOLOGYETF ETF/EQUITY 464287556 54 495 SH   SOLE 0 495 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 2,527 20,819 SH   SOLE 0 20,739 0 80
ISHARES RUSSELL 1000 VALUE ETF ETF/EQUITY 464287598 1,656 13,640 SH   DFND 0 13,640 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 415 1,845 SH   SOLE 0 1,845 0 0
ISHARES S&P MIDCAP 400 GROWTH ETF ETF/EQUITY 464287606 49 220 SH   DFND 0 220 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 3,475 24,163 SH   SOLE 0 24,103 0 60
ISHARES RUSSELL 1000 GROWTH ETF ETF/EQUITY 464287614 2,329 16,194 SH   DFND 0 16,194 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 28 209 SH   DFND 0 209 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF/EQUITY 464287648 29 141 SH   DFND 0 141 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 543 3,318 SH   SOLE 0 3,318 0 0
ISHARES RUSSELL 2000 ETF ETF/EQUITY 464287655 82 500 SH   DFND 0 500 0 0
ISHARES TR DJ US TELECOMM ETF/EQUITY 464287713 4 150 SH   SOLE 0 150 0 0
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 14,608 175,033 SH   SOLE 0 174,883 0 150
ISHARES CORE S&P SMALLCAP ETF ETF/EQUITY 464287804 2,385 28,571 SH   DFND 0 28,571 0 0
ISHARES MSCI ACWI EX US ETF ETF/INTERNATIONAL EQUITY 464288240 284 6,000 SH   SOLE 0 6,000 0 0
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 1,529 24,365 SH   SOLE 0 24,320 0 45
ISHARES MSCI EAFE SMALLCAP ETF ETF/INTERNATIONAL EQUITY 464288273 2 35 SH   DFND 0 35 0 0
ISHARES NATIONAL MUNI BOND ETF ETF/FIXED INCOME 464288414 204 1,875 SH   SOLE 0 1,875 0 0
ISHARES INTERNATIONAL SELECTDIV ETF ETF/INTERNATIONAL EQUITY 464288448 21 650 SH   SOLE 0 650 0 0
ISHARES INTERNATIONAL SELECTDIV ETF ETF/INTERNATIONAL EQUITY 464288448 13 400 SH   DFND 0 400 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 38 445 SH   SOLE 0 445 0 0
ISHARES IBOXX $ HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 464288513 65 759 SH   DFND 0 759 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 42 395 SH   SOLE 0 395 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF/FIXED INCOME 464288638 73 685 SH   DFND 0 685 0 0
ISHARES 1-3 YEAR CREDIT BONDETF ETF/FIXED INCOME 464288646 474 4,567 SH   SOLE 0 4,567 0 0
ISHARES 1-3 YEAR CREDIT BONDETF ETF/FIXED INCOME 464288646 248 2,389 SH   DFND 0 2,389 0 0
ISHARES US PREFERRED STOCK ETF ETF/OTHER 464288687 1,072 28,431 SH   SOLE 0 28,431 0 0
ISHARES US PREFERRED STOCK ETF ETF/OTHER 464288687 10 270 SH   DFND 0 270 0 0
ISHARES US HOME CONSTRUCTION ETF/EQUITY 464288752 27 695 SH   SOLE 0 695 0 0
ISHARES US AEROSPACE & DEFENSE ETF ETF/EQUITY 464288760 12 60 SH   DFND 0 60 0 0
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877 2,980 58,049 SH   SOLE 0 57,948 0 101
ISHARES MSCI EAFE VALUE ETF ETF/EQUITY 464288877 4 75 SH   DFND 0 75 0 0
ISHARES MSCI BRAZIL ETF/INTERNATIONAL EQUITY 464289131 1 85 SH   SOLE 0 85 0 0
ISHARES FLOATING RATE BOND ETF ETF/FIXED INCOME 46429B655 1,530 30,000 SH   SOLE 0 30,000 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 118 1,390 SH   SOLE 0 1,390 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF/EQUITY 46429B663 28 330 SH   DFND 0 330 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 10,827 152,214 SH   SOLE 0 151,964 0 250
ISHARES EDGE MSCI MIN VOL EAFE ETF ETF/INTERNATIONAL EQUITY 46429B689 29 409 SH   DFND 0 409 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 10,823 203,640 SH   SOLE 0 203,300 0 340
ISHARES EDGE MSCI MIN VOL USA ETF ETF/EQUITY 46429B697 13 250 SH   DFND 0 250 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 24,578 387,909 SH   SOLE 0 387,734 0 175
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 175 2,763 SH   DFND 0 2,763 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 6,269 119,416 SH   SOLE 0 119,266 0 150
ISHARES CORE MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 46434G103 8 155 SH   DFND 0 155 0 0
ISHARES 0-5 YR INVMT GR CORP ETF/FIXED INCOME 46434V100 42 850 SH   DFND 0 850 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 1,179 37,785 SH   SOLE 0 37,785 0 0
ISHARES EDGE MSCI MIN VOL USSMALLCAP ETF/EQUITY 46435G433 2 70 SH   DFND 0 70 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 4,968 47,673 SH   SOLE 0 47,673 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 553 5,311 SH   DFND 0 5,311 0 0
JABIL CIRCUIT INC. COMMON STOCK 466313103 6 200 SH   SOLE 0 200 0 0
JPMORGAN DIVERSIFIED RETURN INTL EQ ETF ETF/INTERNATIONAL EQUITY 46641Q209 7,175 124,595 SH   SOLE 0 124,450 0 145
JPMORGAN DIVERSIFIED RETURN INTL EQ ETF ETF/INTERNATIONAL EQUITY 46641Q209 6 110 SH   DFND 0 110 0 0
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 8,920 125,570 SH   SOLE 0 125,390 0 180
JPMORGAN DIVERSIFIED RETURN US EQ ETF ETF/EQUITY 46641Q407 9 130 SH   DFND 0 130 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 7,718 63,608 SH   SOLE 0 63,533 0 75
JOHNSON & JOHNSON COMMON STOCK 478160104 2,051 16,899 SH   DFND 0 16,899 0 0
KEYCORP COMMON STOCK 493267108 179 9,175 SH   SOLE 0 9,175 0 0
KEYCORP COMMON STOCK 493267108 10 500 SH   DFND 0 500 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103 2 38 SH   DFND 0 38 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 159 1,509 SH   SOLE 0 1,509 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 502 4,765 SH   DFND 0 4,765 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 14 811 SH   SOLE 0 811 0 0
KOHLS CORP COMMON STOCK 500255104 12 170 SH   SOLE 0 170 0 0
KONINKLIJKE PHILIPS N.V FOREIGN EQUITIES 500472303 9 202 SH   SOLE 0 202 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 616 9,807 SH   SOLE 0 9,807 0 0
KRAFT HEINZ COMPANY COMMON STOCK 500754106 156 2,483 SH   DFND 0 2,483 0 0
KROGER COMPANY COMMON STOCK 501044101 11 370 SH   SOLE 0 370 0 0
LTC PROPERTIES INC COMMON STOCK 502175102 6 150 SH   DFND 0 150 0 0
LAS VEGAS SANDS CORP. COMMON STOCK 517834107 3 34 SH   SOLE 0 34 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 211 2,472 SH   SOLE 0 2,472 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 155 1,816 SH   DFND 0 1,816 0 0
LINCOLN NATIONAL CORP COMMON STOCK 534187109 3 53 SH   SOLE 0 53 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 148 500 SH   SOLE 0 500 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 120 405 SH   DFND 0 405 0 0
LOEWS CORP COMMON STOCK 540424108 63 1,300 SH   DFND 0 1,300 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 1,431 14,975 SH   SOLE 0 14,975 0 0
LOWES COMPANIES INC COMMON STOCK 548661107 58 604 SH   DFND 0 604 0 0
M & T BANK CORP COMMON STOCK 55261F104 237 1,393 SH   SOLE 0 1,393 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,373 8,068 SH   DFND 0 8,068 0 0
MGE ENERGY INC COMMON STOCK 55277P104 15 240 SH   SOLE 0 240 0 0
MAGELLAN MIDSTREAM PRTNRS LP COMMON STOCK 559080106 7 100 SH   DFND 0 100 0 0
MANULIFE FINL CORP FOREIGN EQUITIES 56501R106 6 308 SH   DFND 0 308 0 0
MARATHON OIL CORP COMMON STOCK 565849106 8 400 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 24 344 SH   DFND 0 344 0 0
MARRIOTT INTL INC CLASS A COMMON STOCK 571903202 32 253 SH   SOLE 0 253 0 0
MASTERCARD INC CLASS A COMMON STOCK 57636Q104 132 670 SH   SOLE 0 670 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,654 10,555 SH   SOLE 0 10,555 0 0
MCDONALDS CORP COMMON STOCK 580135101 347 2,215 SH   DFND 0 2,215 0 0
MCKESSON CORP COMMON STOCK 58155Q103 267 2,000 SH   DFND 0 2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 11 800 SH   SOLE 0 800 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 8 600 SH   DFND 0 600 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 4,933 81,265 SH   SOLE 0 81,265 0 0
MERCK & COMPANY INC COMMON STOCK 58933Y105 1,135 18,704 SH   DFND 0 18,704 0 0
METLIFE INC COMMON STOCK 59156R108 38 862 SH   SOLE 0 862 0 0
METLIFE INC COMMON STOCK 59156R108 17 400 SH   DFND 0 400 0 0
MEXICO FUND INC MUTUAL FUNDS INTL EQUITY EMERG 592835102 5 325 SH   SOLE 0 325 0 0
MICRO FOCUS INTL PLC FOREIGN EQUITIES 594837304 1 54 SH   DFND 0 54 0 0
MICROSOFT CORP COMMON STOCK 594918104 5,542 56,201 SH   SOLE 0 56,201 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,092 11,073 SH   DFND 0 11,073 0 0
MID-AMERICA APARTMENT COMMUNITIES INC COMMON STOCK 59522J103 7 70 SH   SOLE 0 70 0 0
MILLER INDUSTRIES INC COMMON STOCK 600551204 27 1,054 SH   SOLE 0 1,054 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 78 1,908 SH   SOLE 0 1,908 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 14 350 SH   DFND 0 350 0 0
MONMOUTH REAL ESTATE INVESTMENT CORP COMMON STOCK 609720107 7 418 SH   SOLE 0 418 0 0
MORGAN STANLEY COMMON STOCK 617446448 361 7,624 SH   SOLE 0 7,624 0 0
MOSAIC COMPANY COMMON STOCK 61945C103 1 23 SH   SOLE 0 23 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 15 125 SH   SOLE 0 125 0 0
NBT BANCORP INC COMMON STOCK 628778102 598 15,676 SH   SOLE 0 15,676 0 0
NBT BANCORP INC COMMON STOCK 628778102 1,264 33,135 SH   DFND 0 33,135 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 53 1,000 SH   SOLE 0 1,000 0 0
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 168 3,166 SH   DFND 0 3,166 0 0
NATIONAL GRID PLC ADR COMMON STOCK 636274409 16 294 SH   SOLE 0 294 0 0
NATIONAL GRID PLC ADR COMMON STOCK 636274409 10 185 SH   DFND 0 185 0 0
NEW YORK CMNTY BANCORP INC COMMON STOCK 649445103 15 1,400 SH   SOLE 0 1,400 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 16 618 SH   SOLE 0 618 0 0
NEXSTAR MEDIA GROUP CLASS A COMMON STOCK 65336K103 4 50 SH   SOLE 0 50 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,635 9,788 SH   SOLE 0 9,788 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 738 4,420 SH   DFND 0 4,420 0 0
NIKE INC CLASS B COMMON STOCK 654106103 1,927 24,184 SH   SOLE 0 24,184 0 0
NIKE INC CLASS B COMMON STOCK 654106103 127 1,600 SH   DFND 0 1,600 0 0
NORDSTROM INC COMMON STOCK 655664100 4 69 SH   SOLE 0 69 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,145 7,592 SH   SOLE 0 7,592 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 15 100 SH   DFND 0 100 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 149 485 SH   SOLE 0 485 0 0
NORTH WEST BANCSHARES INC COMMON STOCK 667340103 20 1,125 SH   SOLE 0 1,125 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 38 1,050 SH   SOLE 0 1,050 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 1,370 18,139 SH   SOLE 0 18,139 0 0
NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 393 5,200 SH   DFND 0 5,200 0 0
NUCOR CORP COMMON STOCK 670346105 2,642 42,269 SH   SOLE 0 42,269 0 0
NUCOR CORP COMMON STOCK 670346105 547 8,747 SH   DFND 0 8,747 0 0
NUVEEN NASDAQ 100 DYNAMIC OVERWRITE FD MUTUAL FUND LARGE CAP EQUITY 670699107 3 100 SH   SOLE 0 100 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 246 4,530 SH   SOLE 0 4,530 0 0
NUTRIEN LTD FOREIGN EQUITIES 67077M108 33 614 SH   DFND 0 614 0 0
OGE ENERGY CORP COMMON STOCK 670837103 246 7,000 SH   SOLE 0 7,000 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 65 779 SH   SOLE 0 779 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 1,452 19,044 SH   SOLE 0 19,044 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 65 850 SH   DFND 0 850 0 0
OMEGA HEALTHCARE INV INC COMMON STOCK 681936100 28 900 SH   SOLE 0 900 0 0
ONEOK INC COMMON STOCK 682680103 28 394 SH   SOLE 0 394 0 0
ORACLE CORP COMMON STOCK 68389X105 363 8,249 SH   SOLE 0 8,249 0 0
ORACLE CORP COMMON STOCK 68389X105 6 140 SH   DFND 0 140 0 0
ORANGE SA ADR FOREIGN EQUITIES 684060106 17 1,000 SH   DFND 0 1,000 0 0
PG&E CORP COMMON STOCK 69331C108 6 130 SH   SOLE 0 130 0 0
PG&E CORP COMMON STOCK 69331C108 8 179 SH   DFND 0 179 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 452 3,343 SH   SOLE 0 3,343 0 0
PNC FINL SVCS GROUP INC COMMON STOCK 693475105 7 55 SH   DFND 0 55 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 270 2,602 SH   SOLE 0 2,602 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 12 120 SH   DFND 0 120 0 0
PPL CORP COMMON STOCK 69351T106 286 10,007 SH   SOLE 0 10,007 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105 25 120 SH   SOLE 0 120 0 0
PARATEK PHARMACEUTICALS INC COMMON STOCK 699374302 5 500 SH   DFND 0 500 0 0
PAYCHEX INC COMMON STOCK 704326107 7 105 SH   SOLE 0 105 0 0
PAYCHEX INC COMMON STOCK 704326107 27 395 SH   DFND 0 395 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 12 140 SH   SOLE 0 140 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 57 1,218 SH   SOLE 0 1,218 0 0
PEOPLES UNITED FINANCIAL INC COMMON STOCK 712704105 112 6,176 SH   SOLE 0 6,176 0 0
PEPSICO INC COMMON STOCK 713448108 4,929 45,275 SH   SOLE 0 45,275 0 0
PEPSICO INC COMMON STOCK 713448108 1,361 12,501 SH   DFND 0 12,501 0 0
PERSPECTA INC COMMON STOCK 715347100 0 17 SH   DFND 0 17 0 0
PFIZER INC COMMON STOCK 717081103 3,838 105,808 SH   SOLE 0 105,808 0 0
PFIZER INC COMMON STOCK 717081103 1,170 32,262 SH   DFND 0 32,262 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 715 8,856 SH   SOLE 0 8,856 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 86 1,060 SH   DFND 0 1,060 0 0
PHILLIPS 66 COMMON STOCK 718546104 420 3,742 SH   SOLE 0 3,742 0 0
PHILLIPS 66 COMMON STOCK 718546104 381 3,395 SH   DFND 0 3,395 0 0
PIMCO ETF TR 1-5 US TIP IDX ETF/FIXED INCOME 72201R205 54 1,042 SH   DFND 0 1,042 0 0
PIMCO 0-5 YEAR HIGH YIELD CORP BOND ETF ETF/FIXED INCOME 72201R783 1,999 20,080 SH   SOLE 0 20,080 0 0
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 71 698 SH   SOLE 0 492 0 206
PIMCO ENHANCED SHORT MATURE ACTIVE ETF ETF/FIXED INCOME 72201R833 401 3,944 SH   DFND 0 3,944 0 0
PIMCO DYNAMIC INCOME FD MUTUAL FUNDS MULTISECTOR BOND 72201Y101 36 1,125 SH   SOLE 0 1,125 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 284 3,523 SH   SOLE 0 3,523 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 14 600 SH   SOLE 0 600 0 0
POLARIS INDUSTRIES INC COMMON STOCK 731068102 17 141 SH   SOLE 0 141 0 0
PRAXAIR INC COMMON STOCK 74005P104 45 282 SH   SOLE 0 282 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 38 330 SH   SOLE 0 330 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,755 60,909 SH   SOLE 0 60,814 0 95
PROCTER & GAMBLE CO COMMON STOCK 742718109 700 8,970 SH   DFND 0 8,970 0 0
PROSPECT CAPITAL CORP COMMON STOCK 74348T102 2 268 SH   SOLE 0 268 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 103 1,100 SH   SOLE 0 1,100 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 6 61 SH   DFND 0 61 0 0
PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 8 175 SH   SOLE 0 175 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 3,923 72,468 SH   SOLE 0 72,468 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 1,113 20,556 SH   DFND 0 20,556 0 0
PUBLIC STORAGE COMMON STOCK 74460D109 2 11 SH   SOLE 0 11 0 0
QUALCOMM INC COMMON STOCK 747525103 395 7,036 SH   SOLE 0 7,036 0 0
QUALCOMM INC COMMON STOCK 747525103 96 1,710 SH   DFND 0 1,710 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 12 105 SH   DFND 0 105 0 0
RLJ LODGING TRUST COMMON STOCK 74965L101 10 470 SH   SOLE 0 470 0 0
RAYTHEON CO COMMON STOCK 755111507 133 690 SH   SOLE 0 690 0 0
RAYTHEON CO COMMON STOCK 755111507 80 415 SH   DFND 0 415 0 0
REALTY INCOME CORP COMMON STOCK 756109104 19 356 SH   SOLE 0 356 0 0
RELX NV SPONSORED ADR FOREIGN EQUITIES 75955B102 5 236 SH   SOLE 0 236 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 250 4,498 SH   SOLE 0 4,498 0 0
RIO TINTO PLC ADR FOREIGN EQUITIES 767204100 8 150 SH   DFND 0 150 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 315 1,892 SH   SOLE 0 1,892 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 29 175 SH   DFND 0 175 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 221 1,642 SH   SOLE 0 1,642 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 37 275 SH   DFND 0 275 0 0
ROGERS COMMUNICATIONS CL B FOREIGN EQUITIES 775109200 13 280 SH   SOLE 0 280 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 460 6,115 SH   SOLE 0 6,115 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 102 1,350 SH   DFND 0 1,350 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 491 7,087 SH   SOLE 0 7,087 0 0
ROYAL DUTCH SHELL PLC CL A FOREIGN EQUITIES 780259206 7 100 SH   DFND 0 100 0 0
ROYAL GOLD INC COMMON STOCK 780287108 6 63 SH   DFND 0 63 0 0
SEI INVESTMENTS CO. COMMON STOCK 784117103 13 207 SH   SOLE 0 207 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 5,879 21,672 SH   SOLE 0 21,672 0 0
SPDR S&P 500 ETF ETF/EQUITY 78462F103 772 2,846 SH   DFND 0 2,846 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 16 132 SH   SOLE 0 132 0 0
SPDR GOLD SHARES ETF/OTHER 78463V107 511 4,310 SH   DFND 0 4,310 0 0
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF/INTERNATIONAL EQUITY 78463X772 30 775 SH   SOLE 0 775 0 0
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF/INTERNATIONAL EQUITY 78463X772 11 300 SH   DFND 0 300 0 0
SPDR S&P GLOBAL INFRASTRUCTURE ETF ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH   SOLE 0 50 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 525 15,778 SH   SOLE 0 15,778 0 0
SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 22 650 SH   DFND 0 650 0 0
SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 812 23,110 SH   SOLE 0 23,110 0 0
SPDR BBB HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 60 1,705 SH   SOLE 0 1,705 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 759 25,630 SH   SOLE 0 25,630 0 0
SPDR SERIES TRUST KBW REGN BK ETF ETF/EQUITY 78464A698 216 3,535 SH   SOLE 0 3,535 0 0
SPDR SERIES TRUST KBW REGN BK ETF ETF/EQUITY 78464A698 7 120 SH   DFND 0 120 0 0
SPDR S&P DIVIDEND ETF ETF/EQUITY 78464A763 18 190 SH   SOLE 0 190 0 0
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 3,134 66,721 SH   SOLE 0 66,533 0 188
SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 35 735 SH   DFND 0 735 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 5,422 114,050 SH   SOLE 0 114,050 0 0
SPDR DOUBLELINE TOTAL RETURNTACT ETF ETF/FIXED INCOME 78467V848 38 800 SH   DFND 0 800 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 5,288 14,896 SH   SOLE 0 14,896 0 0
SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 2,204 6,208 SH   DFND 0 6,208 0 0
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 703 22,875 SH   SOLE 0 22,775 0 100
SPDR BB INV GRADE FLT RATE ETF/OTHER 78468R200 10 310 SH   DFND 0 310 0 0
SPDR NUVEEN BBB MUNI BOND ETF ETF/FIXED INCOME 78468R721 30 625 SH   SOLE 0 625 0 0
SABRA HEALTH CARE REIT INC COMMON STOCK 78573L106 1 55 SH   SOLE 0 55 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 29 210 SH   SOLE 0 210 0 0
SALESFORCE.COM INC COMMON STOCK 79466L302 10 70 SH   DFND 0 70 0 0
SCANA CORP COMMON STOCK 80589M102 55 1,440 SH   SOLE 0 1,440 0 0
SCANA CORP COMMON STOCK 80589M102 37 965 SH   DFND 0 965 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,364 20,348 SH   SOLE 0 20,348 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 18 270 SH   DFND 0 270 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 2,131 28,966 SH   SOLE 0 28,966 0 0
SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 134 1,816 SH   DFND 0 1,816 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 3 45 SH   SOLE 0 45 0 0
MATERIALS SELECT SECTOR SPDRETF ETF/EQUITY 81369Y100 565 9,725 SH   DFND 0 9,725 0 0
HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 56 675 SH   SOLE 0 675 0 0
CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 31 600 SH   SOLE 0 600 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 250 3,290 SH   SOLE 0 3,290 0 0
ENERGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y506 20 265 SH   DFND 0 265 0 0
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 16 600 SH   SOLE 0 600 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 82 1,175 SH   SOLE 0 1,175 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 475 6,844 SH   DFND 0 6,844 0 0
REAL ESTATE SELECT SECTOR SPDR ETF/OTHER 81369Y860 3 83 SH   SOLE 0 83 0 0
UTILITIES SELECT SECTOR SPDRETF ETF/EQUITY 81369Y886 90 1,737 SH   SOLE 0 1,737 0 0
SEMPRA ENERGY COMMON STOCK 816851109 555 4,780 SH   SOLE 0 4,780 0 0
SEMPRA ENERGY COMMON STOCK 816851109 128 1,100 SH   DFND 0 1,100 0 0
SENSEONICS HOLDINGS INC COMMON STOCK 81727U105 4 1,000 SH   DFND 0 1,000 0 0
SHIRE PLC ADR COMMON STOCK 82481R106 4 22 SH   SOLE 0 22 0 0
SKYWORKS SOLUTIONS INC COMMON STOCK 83088M102 4 38 SH   SOLE 0 38 0 0
SMITH & NEPHEW PLC ADR FOREIGN EQUITIES 83175M205 7 176 SH   SOLE 0 176 0 0
SNAP ON INC COMMON STOCK 833034101 44 275 SH   SOLE 0 275 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 26 500 SH   SOLE 0 500 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 6 120 SH   SOLE 0 120 0 0
SORRENTO THERAPEUTICS INC COMMON STOCK 83587F202 55 7,700 SH   SOLE 0 7,700 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 379 8,194 SH   SOLE 0 8,194 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 50 1,075 SH   DFND 0 1,075 0 0
SOUTHERN COPPER CORP COMMON STOCK 84265V105 14 303 SH   DFND 0 303 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 66 500 SH   SOLE 0 500 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 266 2,000 SH   DFND 0 2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 289 5,923 SH   SOLE 0 5,923 0 0
STARBUCKS CORP COMMON STOCK 855244109 21 420 SH   DFND 0 420 0 0
STARWOOD PROPERTY TRUST INC COMMON STOCK 85571B105 18 849 SH   SOLE 0 849 0 0
STATE STREET CORP COMMON STOCK 857477103 222 2,386 SH   SOLE 0 2,386 0 0
STATE STREET CORP COMMON STOCK 857477103 74 800 SH   DFND 0 800 0 0
STRYKER CORP COMMON STOCK 863667101 938 5,556 SH   SOLE 0 5,556 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 0 10 SH   DFND 0 10 0 0
SUN COMMUNITIES INC COMMON STOCK 866674104 29 301 SH   SOLE 0 301 0 0
SUNCOKE ENERGY INC COMMON STOCK 86722A103 3 218 SH   DFND 0 218 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 8 207 SH   SOLE 0 207 0 0
SUNCOR ENERGY INC FOREIGN EQUITIES 867224107 102 2,500 SH   DFND 0 2,500 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 74 1,120 SH   SOLE 0 1,120 0 0
SYSCO CORP COMMON STOCK 871829107 1,443 21,135 SH   SOLE 0 21,135 0 0
SYSCO CORP COMMON STOCK 871829107 720 10,550 SH   DFND 0 10,550 0 0
TJX COMPANIES COMMON STOCK 872540109 115 1,212 SH   SOLE 0 1,212 0 0
TJX COMPANIES COMMON STOCK 872540109 8 85 SH   DFND 0 85 0 0
TARGET CORP COMMON STOCK 87612E106 364 4,780 SH   SOLE 0 4,780 0 0
TARGET CORP COMMON STOCK 87612E106 24 317 SH   DFND 0 317 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 37 187 SH   DFND 0 187 0 0
TENARIS SA ADR FOREIGN EQUITIES 88031M109 38 1,035 SH   SOLE 0 1,035 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,822 16,523 SH   SOLE 0 16,523 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 281 2,550 SH   DFND 0 2,550 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 232 1,119 SH   SOLE 0 1,119 0 0
3M COMPANY COMMON STOCK 88579Y101 4,005 20,357 SH   SOLE 0 20,357 0 0
3M COMPANY COMMON STOCK 88579Y101 571 2,901 SH   DFND 0 2,901 0 0
TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 357 4,152 SH   SOLE 0 4,152 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 785 13,559 SH   SOLE 0 13,559 0 0
TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 54 925 SH   DFND 0 925 0 0
TOTAL SA ADR FOREIGN EQUITIES 89151E109 415 6,847 SH   SOLE 0 6,847 0 0
TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 28 215 SH   SOLE 0 215 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 6 145 SH   SOLE 0 145 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 320 2,615 SH   SOLE 0 2,615 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 1 22 SH   DFND 0 22 0 0
US BANCORP COMMON STOCK 902973304 2,453 49,038 SH   SOLE 0 49,038 0 0
US BANCORP COMMON STOCK 902973304 211 4,222 SH   DFND 0 4,222 0 0
UNILEVER NV ADR FOREIGN EQUITIES 904784709 31 549 SH   SOLE 0 549 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 190 1,339 SH   SOLE 0 1,339 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 43 300 SH   DFND 0 300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,624 15,291 SH   SOLE 0 15,291 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 134 1,258 SH   DFND 0 1,258 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 1 35 SH   DFND 0 35 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3,333 26,658 SH   SOLE 0 26,658 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 554 4,431 SH   DFND 0 4,431 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,776 7,240 SH   SOLE 0 7,240 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 67 275 SH   DFND 0 275 0 0
UNITI GROUP INC COMMON STOCK 91325V108 4 200 SH   DFND 0 200 0 0
VF CORP COMMON STOCK 918204108 1,216 14,912 SH   SOLE 0 14,912 0 0
VF CORP COMMON STOCK 918204108 56 692 SH   DFND 0 692 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 46 417 SH   SOLE 0 417 0 0
VALLEY NATL BANCORP COMMON STOCK 919794107 209 17,171 SH   SOLE 0 17,171 0 0
VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 446 20,000 SH   DFND 0 20,000 0 0
VANECK VECTORS HIGH YIELD MUNICIPAL ETF ETF/FIXED INCOME 92189F361 47 1,500 SH   SOLE 0 1,500 0 0
VANECK VECTORS AGRIBUSINESS ETF ETF/EQUITY 92189F700 31 500 SH   SOLE 0 500 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 805 7,917 SH   SOLE 0 7,917 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 704 6,928 SH   DFND 0 6,928 0 0
VANGUARD MEGA CAP GROWTH ETF ETF/EQUITY 921910816 10 85 SH   SOLE 0 85 0 0
VANGUARD INTERM-TERM BOND ETF ETF/FIXED INCOME 921937819 134 1,660 SH   SOLE 0 1,660 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 1,410 18,027 SH   SOLE 0 17,532 0 495
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 203 2,597 SH   DFND 0 2,597 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 984 12,430 SH   SOLE 0 12,430 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 162 2,044 SH   DFND 0 2,044 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 137 3,195 SH   SOLE 0 3,195 0 0
VANGUARD ENERGY ETF ETF/EQUITY 92204A306 5 50 SH   SOLE 0 50 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 809 11,990 SH   SOLE 0 11,990 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 212 3,150 SH   DFND 0 3,150 0 0
VANGUARD HEALTH CARE ETF ETF/EQUITY 92204A504 13 81 SH   SOLE 0 81 0 0
VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 598 4,400 SH   DFND 0 4,400 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 383 2,110 SH   SOLE 0 2,110 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF/EQUITY 92204A702 109 600 SH   DFND 0 600 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 146 1,260 SH   SOLE 0 1,260 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1,863 44,151 SH   SOLE 0 44,151 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 184 4,358 SH   DFND 0 4,358 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 5,283 94,126 SH   SOLE 0 94,126 0 0
VANGUARD INTL EQUITY INDEX FMSCI EUROPE ETF ETF/INTERNATIONAL EQUITY 922042874 364 6,480 SH   DFND 0 6,480 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 3,337 42,733 SH   SOLE 0 42,733 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 679 8,700 SH   DFND 0 8,700 0 0
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 2,307 36,827 SH   SOLE 0 36,427 0 400
VANGUARD INTERM-TERM GOVT BDETF ETF/FIXED INCOME 92206C706 46 740 SH   DFND 0 740 0 0
VAREX IMAGING CORPORATION COMMON STOCK 92214X106 2 66 SH   SOLE 0 66 0 0
VARIAN MEDICAL SYSTEMS INC COMMON STOCK 92220P105 19 166 SH   SOLE 0 166 0 0
VENTAS INC COMMON STOCK 92276F100 11 195 SH   SOLE 0 195 0 0
VANGUARD S&P 500 ETF ETF/EQUITY 922908363 474 1,899 SH   SOLE 0 1,899 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP ETF/EQUITY 922908512 39 354 SH   DFND 0 354 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 91 675 SH   SOLE 0 675 0 0
VANGUARD MIDCAP GROWTH ETF ETF/EQUITY 922908538 42 309 SH   DFND 0 309 0 0
VANGUARD REIT ETF ETF/EQUITY 922908553 2,564 31,474 SH   SOLE 0 31,474 0 0
VANGUARD SMALLCAP GROWTH ETF ETF/EQUITY 922908595 23 128 SH   SOLE 0 128 0 0
VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 116 855 SH   SOLE 0 855 0 0
VANGUARD MIDCAP ETF ETF/EQUITY 922908629 177 1,125 SH   SOLE 0 1,125 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 191 1,225 SH   SOLE 0 1,225 0 0
VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 8 50 SH   DFND 0 50 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 8,987 63,998 SH   DFND 0 63,998 0 0
VERIFONE SYSTEMS INC COMMON STOCK 92342Y109 2 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 6,022 119,692 SH   SOLE 0 119,692 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,592 31,636 SH   DFND 0 31,636 0 0
VERSUM MATERIALS INC COMMON STOCK 92532W103 1 18 SH   SOLE 0 18 0 0
VISA INC CLASS A COMMON STOCK 92826C839 765 5,773 SH   SOLE 0 5,773 0 0
VISA INC CLASS A COMMON STOCK 92826C839 17 130 SH   DFND 0 130 0 0
VODAFONE GROUP PLC ADR FOREIGN EQUITIES 92857W308 9 362 SH   SOLE 0 362 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 293 3,300 SH   SOLE 0 3,300 0 0
WP CAREY INC COMMON STOCK 92936U109 7 108 SH   SOLE 0 108 0 0
WPP PLC FOREIGN EQUITIES 92937A102 4 50 SH   SOLE 0 50 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 238 3,689 SH   SOLE 0 3,689 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,671 31,184 SH   SOLE 0 31,184 0 0
WAL MART STORES INC COMMON STOCK 931142103 600 7,008 SH   DFND 0 7,008 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 352 5,870 SH   SOLE 0 5,870 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 20 335 SH   DFND 0 335 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 77 945 SH   SOLE 0 945 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,635 29,494 SH   SOLE 0 29,364 0 130
WELLS FARGO & CO COMMON STOCK 949746101 183 3,297 SH   DFND 0 3,297 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 58 1,600 SH   SOLE 0 1,600 0 0
WHEATON PRECIOUS METALS CORP FOREIGN EQUITIES 962879102 5 230 SH   DFND 0 230 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 5 200 SH   SOLE 0 200 0 0
WINDSTREAM HLDGS INC COMMON STOCK 97382A309 0 33 SH   DFND 0 33 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1,467 20,980 SH   SOLE 0 20,980 0 0
WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 35 495 SH   DFND 0 495 0 0
WISDOMTREE LARGECAP DIVIDEND ETF ETF/EQUITY 97717W307 75 835 SH   SOLE 0 835 0 0
WISDOMTREE EUROPE HEDGED EQUITY ETF ETF/INTERNATIONAL EQUITY 97717X701 16 259 SH   SOLE 0 259 0 0
WYNDHAM WORLDWIDE CORP COMMON STOCK 98310W108 3 58 SH   SOLE 0 58 0 0
WYNDHAM HOTELS & RESORTS INC COMMON STOCK 98311A105 3 58 SH   SOLE 0 58 0 0
XCEL ENERGY INC COMMON STOCK 98389B100 7 150 SH   SOLE 0 150 0 0
XYLEM INC COMMON STOCK 98419M100 44 650 SH   SOLE 0 650 0 0
YUM BRANDS INC COMMON STOCK 988498101 28 360 SH   SOLE 0 360 0 0
YUM CHINA HLDGS INC FOREIGN EQUITIES 98850P109 14 360 SH   SOLE 0 360 0 0