EVP & CFO

0000717538-13-000096.txt : 20130808 0000717538-13-000096.hdr.sgml : 20130808 20130808121349 ACCESSION NUMBER: 0000717538-13-000096 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20130630 FILED AS OF DATE: 20130808 DATE AS OF CHANGE: 20130808 EFFECTIVENESS DATE: 20130808 FILER: 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: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 131020825 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 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 06-30-2013 06-30-2013 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 0001401342 North Country Investment Advisers, Inc. N Terry R Goodemote EVP & CFO 518-415-4512 Terry R Goodemote Glens Falls NY 07-05-2013 2 739 312174 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 a13finformationtablestrter.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 170 4875 SH OTR 2 0 4875 0 ABBOTT LABS COMMON STOCK 002824100 614 17597 SH DFND 2 17597 0 0 ABBVIE INC COMMON STOCK 00287Y109 206 4975 SH OTR 2 0 4975 0 ABBVIE INC COMMON STOCK 00287Y109 713 17252 SH DFND 2 17252 0 0 ACCESS MIDSTREAM PARTNERS LP COMMON STOCK 00434L109 10 200 SH DFND 2 200 0 0 ACTAVIS INC COMMON STOCK 00507K103 88 700 SH OTR 2 0 700 0 ACTAVIS INC COMMON STOCK 00507K103 760 6025 SH DFND 2 6025 0 0 ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 15 1075 SH DFND 2 1075 0 0 ADOBE SYS INC COMMON STOCK 00724F101 2 50 SH OTR 2 0 50 0 ADOBE SYS INC COMMON STOCK 00724F101 14 300 SH DFND 2 300 0 0 AETNA INC COMMON STOCK 00817Y108 35 550 SH OTR 2 0 550 0 AETNA INC COMMON STOCK 00817Y108 719 11320 SH DFND 2 11320 0 0 AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 66 400 SH DFND 2 400 0 0 AFLAC INC COMMON STOCK 001055102 6 100 SH DFND 2 100 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 64 700 SH OTR 2 0 700 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 37 405 SH DFND 2 405 0 0 ALLIANT CORP COMMON STOCK 018802108 30 600 SH OTR 2 0 600 0 ALLIANT CORP COMMON STOCK 018802108 316 6270 SH DFND 2 6270 0 0 ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 13 1000 SH DFND 2 1000 0 0 ALLSTATE CORP COMMON STOCK 020002101 5 100 SH OTR 2 0 100 0 ALTRIA GROUP INC COMMON STOCK 02209S103 23 650 SH OTR 2 0 650 0 ALTRIA GROUP INC COMMON STOCK 02209S103 332 9493 SH DFND 2 9493 0 0 AMAZON.COM INC COMMON STOCK 023135106 65 235 SH OTR 2 0 235 0 AMAZON.COM INC COMMON STOCK 023135106 894 3221 SH DFND 2 3221 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 45 1007 SH DFND 2 1007 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 314 4205 SH OTR 2 0 4205 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 2057 27512 SH DFND 2 27512 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 4 100 SH DFND 2 100 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 556 7600 SH DFND 2 7600 0 0 AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 6 80 SH DFND 2 80 0 0 AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 6 99 SH DFND 2 99 0 0 AMGEN INC COMMON STOCK 031162100 25 250 SH OTR 2 0 250 0 AMGEN INC COMMON STOCK 031162100 449 4553 SH DFND 2 4553 0 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 484 5630 SH DFND 2 5630 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 158 3500 SH DFND 2 3500 0 0 APACHE CORP COMMON STOCK 037411105 21 250 SH OTR 2 0 250 0 APACHE CORP COMMON STOCK 037411105 253 3014 SH DFND 2 3014 0 0 APPLE INC COMMON STOCK 037833100 317 800 SH OTR 2 0 800 0 APPLE INC COMMON STOCK 037833100 2767 6978 SH DFND 2 6978 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 4 250 SH DFND 2 250 0 0 AQUA AMERICA INC COMMON STOCK 03836W103 38 1199 SH OTR 2 0 1199 0 AQUA AMERICA INC COMMON STOCK 03836W103 15 466 SH DFND 2 466 0 0 ASHLAND INC COMMON STOCK 044209104 3 30 SH DFND 2 30 0 0 AT&T INC COMMON STOCK 00206R102 563 15916 SH OTR 2 0 15916 0 AT&T INC COMMON STOCK 00206R102 1754 49559 SH DFND 2 49559 0 0 ATHENAHEALTH INC COMMON STOCK 04685W103 8 100 SH DFND 2 100 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 279 4050 SH OTR 2 0 4050 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 346 5020 SH DFND 2 5020 0 0 BADGER METER INC COMMON STOCK 056525108 27 600 SH DFND 2 600 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 31 2389 SH OTR 2 0 2389 0 BANK OF AMERICA CORP COMMON STOCK 060505104 24 1880 SH DFND 2 1880 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 117 4161 SH OTR 2 0 4161 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 365 13010 SH DFND 2 13010 0 0 BAXTER INTL INC COMMON STOCK 071813109 247 3563 SH OTR 2 0 3563 0 BAXTER INTL INC COMMON STOCK 071813109 170 2450 SH DFND 2 2450 0 0 BEAM INC COMMON STOCK 073730103 38 600 SH DFND 2 600 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 210 1880 SH OTR 2 0 1880 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1848 16516 SH DFND 2 16516 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 77 300 SH OTR 2 0 300 0 BLACKROCK INC CL A COMMON STOCK 09247X101 26 100 SH DFND 2 100 0 0 BLACKSTONE GROUP LP COMMON STOCK 09253U108 4 175 SH DFND 2 175 0 0 BOEING CO COMMON STOCK 097023105 452 4413 SH DFND 2 4413 0 0 BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 2 265 SH DFND 2 265 0 0 BP PRUDHOE BAY ROYALTY TRUST COMMON STOCK 055630107 3 30 SH DFND 2 30 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 171 3825 SH OTR 2 0 3825 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1636 36600 SH DFND 2 36600 0 0 BROADCOM CORP COMMON STOCK 111320107 48 1420 SH OTR 2 0 1420 0 BROADCOM CORP COMMON STOCK 111320107 874 25876 SH DFND 2 25876 0 0 BROWN FORMAN CORP CL A COMMON STOCK 115637100 44 648 SH DFND 2 648 0 0 BROWN FORMAN CORP CLASS B COMMON STOCK 115637209 62 915 SH DFND 2 915 0 0 BUCKEYE PARTNERS LP COMMON STOCK 118230101 45 645 SH DFND 2 645 0 0 CA INC COMMON STOCK 12673P105 6 200 SH DFND 2 200 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 6 100 SH DFND 2 100 0 0 CAPSTONE TURBINE CORP COMMON STOCK 14067D102 1 600 SH DFND 2 600 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 25 525 SH OTR 2 0 525 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 338 7170 SH DFND 2 7170 0 0 CATERPILLAR INC COMMON STOCK 149123101 127 1545 SH OTR 2 0 1545 0 CATERPILLAR INC COMMON STOCK 149123101 858 10405 SH DFND 2 10405 0 0 CBS CORPORATION CLASS B COMMON STOCK 124857202 351 7185 SH DFND 2 7185 0 0 CELGENE CORP COMMON STOCK 151020104 99 850 SH OTR 2 0 850 0 CELGENE CORP COMMON STOCK 151020104 987 8436 SH DFND 2 8436 0 0 CENTURYLINK INC COMMON STOCK 156700106 111 3150 SH DFND 2 3150 0 0 CERNER CORP COMMON STOCK 156782104 14 148 SH DFND 2 148 0 0 CHEESECAKE FACTORY INC COMMON STOCK 163072101 393 9372 SH DFND 2 9372 0 0 CHEMUNG FINL CRP COMMON STOCK 164024101 13 400 SH DFND 2 400 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 693 5860 SH OTR 2 0 5860 0 CHEVRON CORPORATION COMMON STOCK 166764100 3639 30750 SH DFND 2 30750 0 0 CHUBB CORP COMMON STOCK 171232101 21 250 SH DFND 2 250 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 193 7950 SH OTR 2 0 7950 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 294 12100 SH DFND 2 12100 0 0 CITIGROUP INC COMMON STOCK 172967424 26 536 SH OTR 2 0 536 0 CITIGROUP INC COMMON STOCK 172967424 667 13901 SH DFND 2 13901 0 0 CLOROX COMPANY COMMON STOCK 189054109 4 50 SH OTR 2 0 50 0 CLOROX COMPANY COMMON STOCK 189054109 66 795 SH DFND 2 795 0 0 CME GROUP INC. COMMON STOCK 12572Q105 184 2425 SH DFND 2 2425 0 0 COACH INC COMMON STOCK 189754104 3 50 SH OTR 2 0 50 0 COACH INC COMMON STOCK 189754104 144 2525 SH DFND 2 2525 0 0 COCA COLA CO COMMON STOCK 191216100 33 820 SH OTR 2 0 820 0 COCA COLA CO COMMON STOCK 191216100 1491 37176 SH DFND 2 37176 0 0 COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 31 500 SH DFND 2 500 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 447 7810 SH OTR 2 0 7810 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 1445 25215 SH DFND 2 25215 0 0 COMCAST CORP-CL A COMMON STOCK 20030N101 61 1450 SH OTR 2 0 1450 0 COMCAST CORP-CL A COMMON STOCK 20030N101 921 22068 SH DFND 2 22068 0 0 COMCAST CORP-SPECIAL CL A COMMON STOCK 20030N200 2 56 SH DFND 2 56 0 0 CONAGRA FOODS INC COMMON STOCK 205887102 7 200 SH DFND 2 200 0 0 CONNECTICUT WATER SVC INC COMMON STOCK 207797101 6 200 SH DFND 2 200 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 99 1632 SH OTR 2 0 1632 0 CONOCOPHILLIPS COMMON STOCK 20825C104 1209 19983 SH DFND 2 19983 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 68 1169 SH DFND 2 1169 0 0 CORNING INC COMMON STOCK 219350105 14 1000 SH OTR 2 0 1000 0 CORNING INC COMMON STOCK 219350105 12 840 SH DFND 2 840 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 72 650 SH OTR 2 0 650 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1093 9885 SH DFND 2 9885 0 0 CST BRANDS INC COMMON STOCK 12646R105 1 31 SH DFND 2 31 0 0 CVS CAREMARK CORP COMMON STOCK 126650100 54 940 SH OTR 2 0 940 0 CVS CAREMARK CORP COMMON STOCK 126650100 472 8251 SH DFND 2 8251 0 0 DANAHER CORP COMMON STOCK 235851102 223 3520 SH OTR 2 0 3520 0 DANAHER CORP COMMON STOCK 235851102 1117 17654 SH DFND 2 17654 0 0 DARDEN RESTAURANTS INC COMMON STOCK 237194105 13 250 SH OTR 2 0 250 0 DEERE & CO COMMON STOCK 244199105 24 300 SH OTR 2 0 300 0 DEERE & CO COMMON STOCK 244199105 760 9355 SH DFND 2 9355 0 0 DELCATH SYSTEMS INC COMMON STOCK 24661P104 0 150 SH DFND 2 150 0 0 DELL INC COMMON STOCK 24702R101 2 150 SH DFND 2 150 0 0 DEVON ENERGY CORPORATION COMMON STOCK 25179M103 10 200 SH DFND 2 200 0 0 DICKS SPORTING GOODS INC COMMON STOCK 253393102 101 2025 SH DFND 2 2025 0 0 DIRECTV COMMON STOCK 25490A309 3 50 SH DFND 2 50 0 0 DISCOVER FINL SVCS COMMON STOCK 254709108 2 50 SH DFND 2 50 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 606 9602 SH OTR 2 0 9602 0 DISNEY WALT CO NEW COMMON STOCK 254687106 1518 24032 SH DFND 2 24032 0 0 DOLLAR TREE INC COMMON STOCK 256746108 510 10030 SH DFND 2 10030 0 0 DOMINION RESOURCES INC COMMON STOCK 25746U109 149 2625 SH OTR 2 0 2625 0 DOMINION RESOURCES INC COMMON STOCK 25746U109 1062 18696 SH DFND 2 18696 0 0 DOMINOS PIZZA INC COMMON STOCK 25754A201 2 35 SH DFND 2 35 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 27 840 SH OTR 2 0 840 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 475 14776 SH DFND 2 14776 0 0 DTE ENERGY CO COMMON STOCK 233331107 33 485 SH OTR 2 0 485 0 DTE ENERGY CO COMMON STOCK 233331107 430 6414 SH DFND 2 6414 0 0 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 156 2965 SH OTR 2 0 2965 0 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 620 11816 SH DFND 2 11816 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 92 1370 SH OTR 2 0 1370 0 DUKE ENERGY CORP COMMON STOCK 26441C204 64 942 SH DFND 2 942 0 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 21 500 SH OTR 2 0 500 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 2 55 SH DFND 2 55 0 0 EAST WEST BANCORP INC COMMON STOCK 27579R104 14 500 SH DFND 2 500 0 0 EBAY INC COMMON STOCK 278642103 723 13985 SH DFND 2 13985 0 0 ECOLAB INC COMMON STOCK 278865100 98 1150 SH OTR 2 0 1150 0 ECOLAB INC COMMON STOCK 278865100 534 6265 SH DFND 2 6265 0 0 EMC CORP MASS COMMON STOCK 268648102 24 1000 SH OTR 2 0 1000 0 EMC CORP MASS COMMON STOCK 268648102 742 31435 SH DFND 2 31435 0 0 EMERSON ELEC CO COMMON STOCK 291011104 311 5700 SH OTR 2 0 5700 0 EMERSON ELEC CO COMMON STOCK 291011104 571 10468 SH DFND 2 10468 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 9 150 SH DFND 2 150 0 0 EQT CORPORATION COMMON STOCK 26884L109 18 226 SH DFND 2 226 0 0 EXELON CORP COMMON STOCK 30161N101 3 100 SH OTR 2 0 100 0 EXELON CORP COMMON STOCK 30161N101 33 1080 SH DFND 2 1080 0 0 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 66 1073 SH OTR 2 0 1073 0 EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 580 9389 SH DFND 2 9389 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 1707 18894 SH OTR 2 0 18894 0 EXXONMOBIL CORP COMMON STOCK 30231G102 4382 48495 SH DFND 2 48495 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 126 5050 SH DFND 2 5050 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 380 3850 SH DFND 2 3850 0 0 FIDELITY NATIONAL FINANCIAL IN COMMON STOCK 31620R105 71 3000 SH DFND 2 3000 0 0 FIFTH THIRD BANCORP COMMON STOCK 316773100 4 200 SH DFND 2 200 0 0 FIRST SOLAR INC COMMON STOCK 336433107 1 18 SH DFND 2 18 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 5 130 SH DFND 2 130 0 0 FISERV INC COMMON STOCK 337738108 9 100 SH OTR 2 0 100 0 FISERV INC COMMON STOCK 337738108 166 1900 SH DFND 2 1900 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 73 4700 SH OTR 2 0 4700 0 FORD MOTOR CO DEL COMMON STOCK 345370860 670 43309 SH DFND 2 43309 0 0 FOREST LABS INC COMMON STOCK 345838106 4 99 SH DFND 2 99 0 0 FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 23 600 SH DFND 2 600 0 0 FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 17 600 SH OTR 2 0 600 0 FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 11 415 SH DFND 2 415 0 0 GANNETT INC COMMON STOCK 364730101 2 100 SH DFND 2 100 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 22 275 SH OTR 2 0 275 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 185 2365 SH DFND 2 2365 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 1068 46060 SH OTR 2 0 46060 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 3263 140702 SH DFND 2 140702 0 0 GENERAL MLS INC COMMON STOCK 370334104 159 3275 SH OTR 2 0 3275 0 GENERAL MLS INC COMMON STOCK 370334104 954 19655 SH DFND 2 19655 0 0 GENERAL MOTORS CO COMMON STOCK 37045V100 239 7164 SH DFND 2 7164 0 0 GENUINE PARTS CO COMMON STOCK 372460105 8 100 SH DFND 2 100 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 29 565 SH OTR 2 0 565 0 GILEAD SCIENCES INC COMMON STOCK 375558103 633 12355 SH DFND 2 12355 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 378 2500 SH DFND 2 2500 0 0 GOOGLE INC CL A COMMON STOCK 38259P508 251 285 SH OTR 2 0 285 0 GOOGLE INC CL A COMMON STOCK 38259P508 2531 2875 SH DFND 2 2875 0 0 GREEN MTN COFFEE ROASTERS INC COMMON STOCK 393122106 75 1000 SH OTR 2 0 1000 0 GREENBRIER COS INC COMMON STOCK 393657101 5 200 SH DFND 2 200 0 0 HALLIBURTON CO COMMON STOCK 406216101 56 1350 SH OTR 2 0 1350 0 HALLIBURTON CO COMMON STOCK 406216101 348 8350 SH DFND 2 8350 0 0 HARLEY DAVIDSON INC COMMON STOCK 412822108 70 1280 SH OTR 2 0 1280 0 HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 5 150 SH DFND 2 150 0 0 HELMERICH & PAYNE INC COMMON STOCK 423452101 250 4000 SH DFND 2 4000 0 0 HESS CORPORATION COMMON STOCK 42809H107 13 195 SH DFND 2 195 0 0 HEWLETT PACKARD CO COMMON STOCK 428236103 265 10675 SH OTR 2 0 10675 0 HEWLETT PACKARD CO COMMON STOCK 428236103 27 1096 SH DFND 2 1096 0 0 HEXCEL CORP COMMON STOCK 428291108 26 775 SH DFND 2 775 0 0 HOME DEPOT INC COMMON STOCK 437076102 126 1630 SH OTR 2 0 1630 0 HOME DEPOT INC COMMON STOCK 437076102 1665 21496 SH DFND 2 21496 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 89 1125 SH OTR 2 0 1125 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1032 13005 SH DFND 2 13005 0 0 HOSPIRA INC COMMON STOCK 441060100 10 260 SH OTR 2 0 260 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 47 675 SH DFND 2 675 0 0 IMATION CORP COMMON STOCK 45245A107 1 120 SH OTR 2 0 120 0 INTEL CORP COMMON STOCK 458140100 238 9835 SH OTR 2 0 9835 0 INTEL CORP COMMON STOCK 458140100 2303 95044 SH DFND 2 95044 0 0 INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45865V100 119 670 SH DFND 2 670 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 102 1357 SH DFND 2 1357 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 53 1200 SH OTR 2 0 1200 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 761 17165 SH DFND 2 17165 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2033 10638 SH OTR 2 0 10638 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 4285 22424 SH DFND 2 22424 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 10 20 SH DFND 2 20 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 45 823 SH OTR 2 0 823 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 226 4103 SH DFND 2 4103 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1746 20330 SH OTR 2 0 20330 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3081 35887 SH DFND 2 35887 0 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 7 200 SH OTR 2 0 200 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 88 2450 SH DFND 2 2450 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 416 7878 SH OTR 2 0 7878 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 2432 46066 SH DFND 2 46066 0 0 KADANT INC COMMON STOCK 48282T104 24 809 SH DFND 2 809 0 0 KAYDON CORP COMMON STOCK 486587108 14 500 SH DFND 2 500 0 0 KB HOME COM COMMON STOCK 48666K109 20 1000 SH OTR 2 0 1000 0 KB HOME COM COMMON STOCK 48666K109 537 27370 SH DFND 2 27370 0 0 KELLOGG CO COMMON STOCK 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58933Y105 1328 28586 SH DFND 2 28586 0 0 METLIFE INC COMMON STOCK 59156R108 71 1550 SH OTR 2 0 1550 0 METLIFE INC COMMON STOCK 59156R108 904 19753 SH DFND 2 19753 0 0 MICROSOFT CORP COMMON STOCK 594918104 541 15654 SH OTR 2 0 15654 0 MICROSOFT CORP COMMON STOCK 594918104 2927 84744 SH DFND 2 84744 0 0 MOHAWK INDUSTRIES INC COMMON STOCK 608190104 25 225 SH DFND 2 225 0 0 MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 5 100 SH DFND 2 100 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 32 1107 SH OTR 2 0 1107 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 709 24860 SH DFND 2 24860 0 0 MONSANTO CO COMMON STOCK 61166W101 41 410 SH OTR 2 0 410 0 MONSANTO CO COMMON STOCK 61166W101 209 2120 SH DFND 2 2120 0 0 MORGAN STANLEY COMMON STOCK 617446448 360 14721 SH DFND 2 14721 0 0 MYLAN INC COMMON STOCK 628530107 50 1600 SH OTR 2 0 1600 0 MYLAN INC COMMON STOCK 628530107 337 10850 SH DFND 2 10850 0 0 NATIONAL-OILWELL INC COMMON STOCK 637071101 83 1200 SH OTR 2 0 1200 0 NATIONAL-OILWELL 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APPLE INC COMMON STOCK 037833100 198 500 SH SOLE 500 0 0 AT&T INC COMMON STOCK 00206R102 39 1100 SH OTR 0 1100 0 AT&T INC COMMON STOCK 00206R102 114 3225 SH SOLE 3225 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 39 568 SH SOLE 568 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 29 1030 SH SOLE 1030 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 127 1134 SH SOLE 1134 0 0 BOEING CO COMMON STOCK 097023105 19 190 SH SOLE 190 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 4 100 SH OTR 0 100 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 130 2915 SH SOLE 2915 0 0 BROADCOM CORP COMMON STOCK 111320107 77 2289 SH SOLE 2289 0 0 CAMPBELL SOUP CO COMMON STOCK 134429109 4 100 SH SOLE 100 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 21 450 SH SOLE 450 0 0 CATERPILLAR INC COMMON STOCK 149123101 90 1090 SH SOLE 1090 0 0 CBS CORPORATION CLASS B COMMON STOCK 124857202 45 914 SH SOLE 914 0 0 CELGENE CORP COMMON STOCK 151020104 78 665 SH SOLE 665 0 0 CENTURYLINK INC 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935 0 0 HELMERICH & PAYNE INC COMMON STOCK 423452101 34 540 SH SOLE 540 0 0 HEWLETT PACKARD CO COMMON STOCK 428236103 2 100 SH SOLE 100 0 0 HOME DEPOT INC COMMON STOCK 437076102 8 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 139 1792 SH SOLE 1792 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 84 1055 SH SOLE 1055 0 0 INTEL CORP COMMON STOCK 458140100 7 300 SH OTR 0 300 0 INTEL CORP COMMON STOCK 458140100 175 7208 SH SOLE 7208 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 2 27 SH SOLE 27 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 76 1720 SH SOLE 1720 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 19 100 SH OTR 0 100 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 246 1288 SH SOLE 1288 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 5 10 SH SOLE 10 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 33 595 SH SOLE 595 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 13 150 SH OTR 0 150 0 JOHNSON & JOHNSON COMMON STOCK 478160104 239 2778 SH SOLE 2778 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 198 3760 SH SOLE 3760 0 0 KB HOME COM COMMON STOCK 48666K109 55 2825 SH SOLE 2825 0 0 KELLOGG CO COMMON STOCK 487836108 5 75 SH SOLE 75 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 3 35 SH SOLE 35 0 0 KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 40 721 SH SOLE 721 0 0 L BRANDS, INC COMMON STOCK 501797104 5 100 SH SOLE 100 0 0 LILLY ELI & CO COMMON STOCK 532457108 3 65 SH SOLE 65 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 5 50 SH SOLE 50 0 0 MASCO CORP COMMON STOCK 574599106 2 99 SH SOLE 99 0 0 MCDONALDS CORP COMMON STOCK 580135101 10 100 SH OTR 0 100 0 MCDONALDS CORP COMMON STOCK 580135101 139 1404 SH SOLE 1404 0 0 MEDTRONIC INC COMMON STOCK 585055106 16 305 SH SOLE 305 0 0 MERCK & CO INC COMMON STOCK 58933Y105 144 3095 SH SOLE 3095 0 0 METLIFE INC COMMON STOCK 59156R108 24 528 SH SOLE 528 0 0 MICROSOFT CORP COMMON STOCK 594918104 14 400 SH OTR 0 400 0 MICROSOFT CORP COMMON STOCK 594918104 194 5606 SH SOLE 5606 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 59 2070 SH SOLE 2070 0 0 MONSANTO CO COMMON STOCK 61166W101 62 630 SH SOLE 630 0 0 MORGAN STANLEY COMMON STOCK 617446448 50 2039 SH SOLE 2039 0 0 MYLAN INC COMMON STOCK 628530107 54 1750 SH SOLE 1750 0 0 NATIONAL-OILWELL INC COMMON STOCK 637071101 13 190 SH SOLE 190 0 0 NEWS CORP INC CL A COMMON STOCK 65248E104 2 75 SH SOLE 75 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 50 610 SH SOLE 610 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 23 360 SH SOLE 360 0 0 NORDSTROM INC COMMON STOCK 655664100 4 75 SH SOLE 75 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 24 335 SH SOLE 335 0 0 NUCOR CORP COMMON STOCK 670346105 21 475 SH SOLE 475 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 37 410 SH SOLE 410 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 6 200 SH OTR 0 200 0 ORACLE CORPORATION COMMON STOCK 68389X105 132 4305 SH SOLE 4305 0 0 PEPSICO INC COMMON STOCK 713448108 16 200 SH OTR 0 200 0 PEPSICO INC COMMON STOCK 713448108 178 2172 SH SOLE 2172 0 0 PFIZER INC COMMON STOCK 717081103 74 2640 SH SOLE 2640 0 0 PHILLIPS 66 COMMON STOCK 718546104 29 485 SH SOLE 485 0 0 PRAXAIR INC COMMON STOCK 74005P104 41 360 SH SOLE 360 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 15 200 SH OTR 0 200 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 164 2125 SH SOLE 2125 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 83 1135 SH SOLE 1135 0 0 QUALCOMM INC COMMON STOCK 747525103 116 1905 SH SOLE 1905 0 0 SALESFORCE.COM COMMON STOCK 79466L302 19 500 SH SOLE 500 0 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 54 345 SH SOLE 345 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 9 200 SH OTR 0 200 0 SOUTHERN COMPANY COMMON STOCK 842587107 38 850 SH SOLE 850 0 0 STARBUCKS CORP COMMON STOCK 855244109 85 1300 SH SOLE 1300 0 0 STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 41 650 SH SOLE 650 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 18 250 SH OTR 0 250 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 82 1117 SH SOLE 1117 0 0 TARGET CORP COMMON STOCK 87612E106 14 200 SH OTR 0 200 0 TARGET CORP COMMON STOCK 87612E106 36 525 SH SOLE 525 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 53 595 SH SOLE 595 0 0 TIME WARNER INC COMMON STOCK 887317303 85 1470 SH SOLE 1470 0 0 TJX COS INC COMMON STOCK 872540109 10 200 SH OTR 0 200 0 TJX COS INC COMMON STOCK 872540109 94 1880 SH SOLE 1880 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 41 515 SH SOLE 515 0 0 UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 59 985 SH SOLE 985 0 0 UNION PAC CORP COMMON STOCK 907818108 56 360 SH SOLE 360 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 66 765 SH SOLE 765 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 110 1185 SH SOLE 1185 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 47 715 SH SOLE 715 0 0 US BANCORP NEW COMMON STOCK 902973304 4 100 SH OTR 0 100 0 US BANCORP NEW COMMON STOCK 902973304 137 3800 SH SOLE 3800 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 26 735 SH SOLE 735 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 136 2700 SH SOLE 2700 0 0 VIACOM INC-B COMMON STOCK 92553P201 46 675 SH SOLE 675 0 0 VISA INC CL A COMMON STOCK 92826C839 135 740 SH SOLE 740 0 0 WAL MART STORES INC COMMON STOCK 931142103 125 1680 SH SOLE 1680 0 0 WELLS FARGO & CO COMMON STOCK 949746101 25 600 SH OTR 0 600 0 WELLS FARGO & CO COMMON STOCK 949746101 171 4140 SH SOLE 4140 0 0 YUM! BRANDS INC COMMON STOCK 988498101 3 40 SH SOLE 40 0 0 ZIMMER HLDGS INC COMMON STOCK 98956P102 15 200 SH SOLE 200 0 0 3M CO COMMON STOCK 88579Y101 90 825 SH SOLE 825 0 0 TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 8 200 SH SOLE 200 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 425 17191 SH SOLE 17191 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 85 1175 SH SOLE 1175 0 0 COVIDIEN PLC COMMON STOCK G2554F113 27 425 SH SOLE 425 0 0 EATON CORP PLC COMMON STOCK G29183103 2 30 SH SOLE 30 0 0 NOBLE CORP COMMON STOCK H5833N103 18 475 SH SOLE 475 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 118 1650 SH SOLE 1650 0 0 ISHARES S&P PREF STK OTHER 464288687 334 8500 SH SOLE 8500 0 0 MATERIALS SELECT SPDR FUND OTHER 81369Y100 4 100 SH SOLE 100 0 0 UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 3 75 SH SOLE 75 0 0