-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, AIvjJusvcta2hzPnXbvGrEIjNq0Y+yWnRrJ5XcZT2a2Q9WJtD/3sWlM95NkPFpqR ptDJSganfavlLtBpylEDzA== 0000717538-03-000001.txt : 20030127 0000717538-03-000001.hdr.sgml : 20030127 20030127155531 ACCESSION NUMBER: 0000717538-03-000001 CONFORMED SUBMISSION TYPE: 5 PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20021231 FILED AS OF DATE: 20030127 REPORTING-OWNER: COMPANY DATA: COMPANY CONFORMED NAME: BERGSTEDT JAN ERIC O CENTRAL INDEX KEY: 0001184484 RELATIONSHIP: DIRECTOR FILING VALUES: FORM TYPE: 5 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5187451000X399 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: ARROW FINANCIAL CORP CENTRAL INDEX KEY: 0000717538 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222448962 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 5 SEC ACT: 1934 Act SEC FILE NUMBER: 000-12507 FILM NUMBER: 03525991 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5187451000X299 MAIL ADDRESS: STREET 1: 250 GLEN STREET CITY: GLENS FALLS STATE: NY ZIP: 12801 FORMER COMPANY: FORMER CONFORMED NAME: ARROW BANK CORP DATE OF NAME CHANGE: 19900710 5 1 bergstedtform512312002.htm

Form 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

[ ]Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue.
[ ]Form 3 Holdings Reported
[ ]Form 4 Transactions Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person

(Last) (First) (Middle)

Bergstedt Jan-Eric O.

(Street) (City) (State) (Zip Code)

20 Westwood Drive Queensbury NY 12804

2. Issuer Name and Ticker or Trading Symbol

Arrow Financial Corporation (AROW)

3. IRS Identification Number of Reporting Person, if an Entity (Voluntary)

4. Statement for Month/Day/Year

12/31/02

5. If Amendment, Date of Original (Month/Year)

6. Relationship of Reporting Person(s) to Issuer (Check all applicable)

[X] Director

[ ] 10% Owner

[ ] Officer (title)

[ ] Other (specify)

7. Individual or Joint/Group Reporting (Check Applicable Line)

[X] Form filed by One Reporting Person
[ ] Form filed by More than One Reporting Person

Table I Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.
Title of Security
2.
Trans-
action
Date
(M/D/Y)
3.
Trans-
action
Code
4.
Securities
Acquired(A)
Disposed of(D)
5.
Amount of Securities Beneficially Owned at End
of Issuer's Fiscal Year
6.
Ownership
Form Direct
(D) or
Indirect (I)

7.
Nature
of Indirect
Beneficial
Ownership

Amount (A)
or
(D)

Price

Common
Stock
12/2/02
12/13/02
B
R
95
10
A
A
$31.16
$33.53
1,467 I ESPP

Common
Stock
12/13/02 R 5 A $33.53 675 D DRIP

Common
Stock
None 1,377 D IRA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned

(e.g., puts, calls, warrants, options, convertible securities)

1.
Title of
Derivative
Security
2.
Conversion
or Exercise
Price of
Derivative
Security
3.
Transaction
Date
(Mo/Da/Yr)
4.
Trans-
action
Code
5.
Number of
Derivative
Securities
Acquired
(A) or
Disposed
of (D)
6.
Date Exercisable
and Expiration Date
(M/D/Y)

(A) (D) Date
Exercisable
Expiration
Date

None

Table II (Continued)

1.
Title of
Derivative
Security
7.
Title and Amount of
Underlying Securities
8.
Price of
Derivative
Security
9.
Number of
Derivative
Securities
Beneficially
Owned at
End of Year
10.
Ownership
of Derivative
Security:
Direct (D) or
Indirect (I)
11.
Nature of
Indirect
Beneficial
Ownership

Title Amount or
Number of
Shares

None

Explanation of Responses:

Signature of Reporting Person

Gerard R. Bilodeau

Attorney in Fact

Date: 01/27/03

-----END PRIVACY-ENHANCED MESSAGE-----

Form 5	UNITED STATES SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C. 20549
[ ]Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. [ ]Form 3 Holdings Reported [ ]Form 4 Transactions Reported	ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
	Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person
(Last)	(First)	(Middle)
Bergstedt	Jan-Eric	O.
(Street)	(City)	(State)	(Zip Code)
20 Westwood Drive	Queensbury	NY	12804

2. Issuer Name and Ticker or Trading Symbol
Arrow Financial Corporation (AROW)

3. IRS Identification Number of Reporting Person, if an Entity (Voluntary)


4. Statement for Month/Day/Year
12/31/02

5. If Amendment, Date of Original (Month/Year)


6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
[X] Director
[ ] 10% Owner
[ ] Officer	(title)
[ ] Other	(specify)

7. Individual or Joint/Group Reporting (Check Applicable Line)
[X] Form filed by One Reporting Person [ ] Form filed by More than One Reporting Person

1. Title of Security	2. Trans- action Date (M/D/Y)	3. Trans- action Code	4. Securities Acquired(A) Disposed of(D)			5. Amount of Securities Beneficially Owned at End of Issuer's Fiscal Year	6. Ownership Form Direct (D) or Indirect (I)	7. Nature of Indirect Beneficial Ownership
1. Title of Security	2. Trans- action Date (M/D/Y)	3. Trans- action Code	Amount	(A) or (D)	Price		6. Ownership Form Direct (D) or Indirect (I)	7. Nature of Indirect Beneficial Ownership
Common Stock	12/2/02 12/13/02	B R	95 10	A A	$31.16 $33.53	1,467	I	ESPP
Common Stock	12/13/02	R	5	A	$33.53	675	D	DRIP
Common Stock	None					1,377	D	IRA