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
ABBOTT LABS COMMON STOCK 002824100 170 4,875 SH   OTR 2 0 4,875 0
ABBOTT LABS COMMON STOCK 002824100 614 17,597 SH   DFND 2 17,597 0 0
ABBVIE INC COMMON STOCK 00287Y109 206 4,975 SH   OTR 2 0 4,975 0
ABBVIE INC COMMON STOCK 00287Y109 713 17,252 SH   DFND 2 17,252 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 6,025 SH   DFND 2 6,025 0 0
ACTIVISION BLIZZARD, INC COMMON STOCK 00507V109 15 1,075 SH   DFND 2 1,075 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 11,320 SH   DFND 2 11,320 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 6,270 SH   DFND 2 6,270 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 13 1,000 SH   DFND 2 1,000 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 9,493 SH   DFND 2 9,493 0 0
AMAZON.COM INC COMMON STOCK 023135106 65 235 SH   OTR 2 0 235 0
AMAZON.COM INC COMMON STOCK 023135106 894 3,221 SH   DFND 2 3,221 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 45 1,007 SH   DFND 2 1,007 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 314 4,205 SH   OTR 2 0 4,205 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,057 27,512 SH   DFND 2 27,512 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 4 100 SH   DFND 2 100 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 556 7,600 SH   DFND 2 7,600 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 4,553 SH   DFND 2 4,553 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 484 5,630 SH   DFND 2 5,630 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 158 3,500 SH   DFND 2 3,500 0 0
APACHE CORP COMMON STOCK 037411105 21 250 SH   OTR 2 0 250 0
APACHE CORP COMMON STOCK 037411105 253 3,014 SH   DFND 2 3,014 0 0
APPLE INC COMMON STOCK 037833100 317 800 SH   OTR 2 0 800 0
APPLE INC COMMON STOCK 037833100 2,767 6,978 SH   DFND 2 6,978 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 4 250 SH   DFND 2 250 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 38 1,199 SH   OTR 2 0 1,199 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 15,916 SH   OTR 2 0 15,916 0
AT&T INC COMMON STOCK 00206R102 1,754 49,559 SH   DFND 2 49,559 0 0
ATHENAHEALTH INC COMMON STOCK 04685W103 8 100 SH   DFND 2 100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 279 4,050 SH   OTR 2 0 4,050 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 346 5,020 SH   DFND 2 5,020 0 0
BADGER METER INC COMMON STOCK 056525108 27 600 SH   DFND 2 600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 31 2,389 SH   OTR 2 0 2,389 0
BANK OF AMERICA CORP COMMON STOCK 060505104 24 1,880 SH   DFND 2 1,880 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 117 4,161 SH   OTR 2 0 4,161 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 365 13,010 SH   DFND 2 13,010 0 0
BAXTER INTL INC COMMON STOCK 071813109 247 3,563 SH   OTR 2 0 3,563 0
BAXTER INTL INC COMMON STOCK 071813109 170 2,450 SH   DFND 2 2,450 0 0
BEAM INC COMMON STOCK 073730103 38 600 SH   DFND 2 600 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 210 1,880 SH   OTR 2 0 1,880 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,848 16,516 SH   DFND 2 16,516 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 4,413 SH   DFND 2 4,413 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 3,825 SH   OTR 2 0 3,825 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,636 36,600 SH   DFND 2 36,600 0 0
BROADCOM CORP COMMON STOCK 111320107 48 1,420 SH   OTR 2 0 1,420 0
BROADCOM CORP COMMON STOCK 111320107 874 25,876 SH   DFND 2 25,876 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 7,170 SH   DFND 2 7,170 0 0
CATERPILLAR INC COMMON STOCK 149123101 127 1,545 SH   OTR 2 0 1,545 0
CATERPILLAR INC COMMON STOCK 149123101 858 10,405 SH   DFND 2 10,405 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 351 7,185 SH   DFND 2 7,185 0 0
CELGENE CORP COMMON STOCK 151020104 99 850 SH   OTR 2 0 850 0
CELGENE CORP COMMON STOCK 151020104 987 8,436 SH   DFND 2 8,436 0 0
CENTURYLINK INC COMMON STOCK 156700106 111 3,150 SH   DFND 2 3,150 0 0
CERNER CORP COMMON STOCK 156782104 14 148 SH   DFND 2 148 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 393 9,372 SH   DFND 2 9,372 0 0
CHEMUNG FINL CRP COMMON STOCK 164024101 13 400 SH   DFND 2 400 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 693 5,860 SH   OTR 2 0 5,860 0
CHEVRON CORPORATION COMMON STOCK 166764100 3,639 30,750 SH   DFND 2 30,750 0 0
CHUBB CORP COMMON STOCK 171232101 21 250 SH   DFND 2 250 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 193 7,950 SH   OTR 2 0 7,950 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 294 12,100 SH   DFND 2 12,100 0 0
CITIGROUP INC COMMON STOCK 172967424 26 536 SH   OTR 2 0 536 0
CITIGROUP INC COMMON STOCK 172967424 667 13,901 SH   DFND 2 13,901 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 2,425 SH   DFND 2 2,425 0 0
COACH INC COMMON STOCK 189754104 3 50 SH   OTR 2 0 50 0
COACH INC COMMON STOCK 189754104 144 2,525 SH   DFND 2 2,525 0 0
COCA COLA CO COMMON STOCK 191216100 33 820 SH   OTR 2 0 820 0
COCA COLA CO COMMON STOCK 191216100 1,491 37,176 SH   DFND 2 37,176 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 31 500 SH   DFND 2 500 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 447 7,810 SH   OTR 2 0 7,810 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,445 25,215 SH   DFND 2 25,215 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 61 1,450 SH   OTR 2 0 1,450 0
COMCAST CORP-CL A COMMON STOCK 20030N101 921 22,068 SH   DFND 2 22,068 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 1,632 SH   OTR 2 0 1,632 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,209 19,983 SH   DFND 2 19,983 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 68 1,169 SH   DFND 2 1,169 0 0
CORNING INC COMMON STOCK 219350105 14 1,000 SH   OTR 2 0 1,000 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 1,093 9,885 SH   DFND 2 9,885 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 8,251 SH   DFND 2 8,251 0 0
DANAHER CORP COMMON STOCK 235851102 223 3,520 SH   OTR 2 0 3,520 0
DANAHER CORP COMMON STOCK 235851102 1,117 17,654 SH   DFND 2 17,654 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 9,355 SH   DFND 2 9,355 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 2,025 SH   DFND 2 2,025 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 9,602 SH   OTR 2 0 9,602 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,518 24,032 SH   DFND 2 24,032 0 0
DOLLAR TREE INC COMMON STOCK 256746108 510 10,030 SH   DFND 2 10,030 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 149 2,625 SH   OTR 2 0 2,625 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 1,062 18,696 SH   DFND 2 18,696 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 14,776 SH   DFND 2 14,776 0 0
DTE ENERGY CO COMMON STOCK 233331107 33 485 SH   OTR 2 0 485 0
DTE ENERGY CO COMMON STOCK 233331107 430 6,414 SH   DFND 2 6,414 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 156 2,965 SH   OTR 2 0 2,965 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 620 11,816 SH   DFND 2 11,816 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 92 1,370 SH   OTR 2 0 1,370 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 13,985 SH   DFND 2 13,985 0 0
ECOLAB INC COMMON STOCK 278865100 98 1,150 SH   OTR 2 0 1,150 0
ECOLAB INC COMMON STOCK 278865100 534 6,265 SH   DFND 2 6,265 0 0
EMC CORP MASS COMMON STOCK 268648102 24 1,000 SH   OTR 2 0 1,000 0
EMC CORP MASS COMMON STOCK 268648102 742 31,435 SH   DFND 2 31,435 0 0
EMERSON ELEC CO COMMON STOCK 291011104 311 5,700 SH   OTR 2 0 5,700 0
EMERSON ELEC CO COMMON STOCK 291011104 571 10,468 SH   DFND 2 10,468 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 1,080 SH   DFND 2 1,080 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 66 1,073 SH   OTR 2 0 1,073 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 580 9,389 SH   DFND 2 9,389 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,707 18,894 SH   OTR 2 0 18,894 0
EXXONMOBIL CORP COMMON STOCK 30231G102 4,382 48,495 SH   DFND 2 48,495 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 126 5,050 SH   DFND 2 5,050 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 380 3,850 SH   DFND 2 3,850 0 0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK 31620R105 71 3,000 SH   DFND 2 3,000 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 1,900 SH   DFND 2 1,900 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 73 4,700 SH   OTR 2 0 4,700 0
FORD MOTOR CO DEL COMMON STOCK 345370860 670 43,309 SH   DFND 2 43,309 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 2,365 SH   DFND 2 2,365 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,068 46,060 SH   OTR 2 0 46,060 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,263 140,702 SH   DFND 2 140,702 0 0
GENERAL MLS INC COMMON STOCK 370334104 159 3,275 SH   OTR 2 0 3,275 0
GENERAL MLS INC COMMON STOCK 370334104 954 19,655 SH   DFND 2 19,655 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 239 7,164 SH   DFND 2 7,164 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 12,355 SH   DFND 2 12,355 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 378 2,500 SH   DFND 2 2,500 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 251 285 SH   OTR 2 0 285 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,531 2,875 SH   DFND 2 2,875 0 0
GREEN MTN COFFEE ROASTERS INC COMMON STOCK 393122106 75 1,000 SH   OTR 2 0 1,000 0
GREENBRIER COS INC COMMON STOCK 393657101 5 200 SH   DFND 2 200 0 0
HALLIBURTON CO COMMON STOCK 406216101 56 1,350 SH   OTR 2 0 1,350 0
HALLIBURTON CO COMMON STOCK 406216101 348 8,350 SH   DFND 2 8,350 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 70 1,280 SH   OTR 2 0 1,280 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 5 150 SH   DFND 2 150 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 250 4,000 SH   DFND 2 4,000 0 0
HESS CORPORATION COMMON STOCK 42809H107 13 195 SH   DFND 2 195 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 265 10,675 SH   OTR 2 0 10,675 0
HEWLETT PACKARD CO COMMON STOCK 428236103 27 1,096 SH   DFND 2 1,096 0 0
HEXCEL CORP COMMON STOCK 428291108 26 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 126 1,630 SH   OTR 2 0 1,630 0
HOME DEPOT INC COMMON STOCK 437076102 1,665 21,496 SH   DFND 2 21,496 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 89 1,125 SH   OTR 2 0 1,125 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,032 13,005 SH   DFND 2 13,005 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 9,835 SH   OTR 2 0 9,835 0
INTEL CORP COMMON STOCK 458140100 2,303 95,044 SH   DFND 2 95,044 0 0
INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45865V100 119 670 SH   DFND 2 670 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 102 1,357 SH   DFND 2 1,357 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 53 1,200 SH   OTR 2 0 1,200 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 761 17,165 SH   DFND 2 17,165 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2,033 10,638 SH   OTR 2 0 10,638 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 4,285 22,424 SH   DFND 2 22,424 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 4,103 SH   DFND 2 4,103 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,746 20,330 SH   OTR 2 0 20,330 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,081 35,887 SH   DFND 2 35,887 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 7 200 SH   OTR 2 0 200 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 88 2,450 SH   DFND 2 2,450 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 416 7,878 SH   OTR 2 0 7,878 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,432 46,066 SH   DFND 2 46,066 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 1,000 SH   OTR 2 0 1,000 0
KB HOME COM COMMON STOCK 48666K109 537 27,370 SH   DFND 2 27,370 0 0
KELLOGG CO COMMON STOCK 487836108 164 2,555 SH   OTR 2 0 2,555 0
KELLOGG CO COMMON STOCK 487836108 88 1,375 SH   DFND 2 1,375 0 0
KEYCORP COMMON STOCK 493267108 76 6,874 SH   DFND 2 6,874 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 127 1,309 SH   DFND 2 1,309 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 7 80 SH   DFND 2 80 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 4 100 SH   DFND 2 100 0 0
KOHLS CORP COMMON STOCK 500255104 51 1,000 SH   DFND 2 1,000 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 48 868 SH   OTR 2 0 868 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 648 11,600 SH   DFND 2 11,600 0 0
L BRANDS, INC COMMON STOCK 501797104 131 2,665 SH   DFND 2 2,665 0 0
LILLY ELI & CO COMMON STOCK 532457108 77 1,560 SH   OTR 2 0 1,560 0
LILLY ELI & CO COMMON STOCK 532457108 310 6,310 SH   DFND 2 6,310 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 95 875 SH   DFND 2 875 0 0
LOWES COS INC COMMON STOCK 548661107 192 4,700 SH   OTR 2 0 4,700 0
LOWES COS INC COMMON STOCK 548661107 146 3,573 SH   DFND 2 3,573 0 0
MACY'S INC COMMON STOCK 55616P104 5 100 SH   DFND 2 100 0 0
MARATHON OIL CORP COMMON STOCK 565849106 4 115 SH   OTR 2 0 115 0
MARATHON OIL CORP COMMON STOCK 565849106 40 1,170 SH   DFND 2 1,170 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 7 100 SH   DFND 2 100 0 0
MARKWEST ENERGY LP COMMON STOCK 570759100 7 100 SH   DFND 2 100 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 41 1,009 SH   DFND 2 1,009 0 0
MASCO CORP COMMON STOCK 574599106 171 8,789 SH   DFND 2 8,789 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 23 40 SH   DFND 2 40 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 56 800 SH   DFND 2 800 0 0
MCDONALDS CORP COMMON STOCK 580135101 530 5,350 SH   OTR 2 0 5,350 0
MCDONALDS CORP COMMON STOCK 580135101 1,882 19,013 SH   DFND 2 19,013 0 0
MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 8 150 SH   DFND 2 150 0 0
MEDTRONIC INC COMMON STOCK 585055106 133 2,575 SH   OTR 2 0 2,575 0
MEDTRONIC INC COMMON STOCK 585055106 512 9,945 SH   DFND 2 9,945 0 0
MERCK & CO INC COMMON STOCK 58933Y105 350 7,535 SH   OTR 2 0 7,535 0
MERCK & CO INC COMMON STOCK 58933Y105 1,328 28,586 SH   DFND 2 28,586 0 0
METLIFE INC COMMON STOCK 59156R108 71 1,550 SH   OTR 2 0 1,550 0
METLIFE INC COMMON STOCK 59156R108 904 19,753 SH   DFND 2 19,753 0 0
MICROSOFT CORP COMMON STOCK 594918104 541 15,654 SH   OTR 2 0 15,654 0
MICROSOFT CORP COMMON STOCK 594918104 2,927 84,744 SH   DFND 2 84,744 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 1,107 SH   OTR 2 0 1,107 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 709 24,860 SH   DFND 2 24,860 0 0
MONSANTO CO COMMON STOCK 61166W101 41 410 SH   OTR 2 0 410 0
MONSANTO CO COMMON STOCK 61166W101 209 2,120 SH   DFND 2 2,120 0 0
MORGAN STANLEY COMMON STOCK 617446448 360 14,721 SH   DFND 2 14,721 0 0
MYLAN INC COMMON STOCK 628530107 50 1,600 SH   OTR 2 0 1,600 0
MYLAN INC COMMON STOCK 628530107 337 10,850 SH   DFND 2 10,850 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 83 1,200 SH   OTR 2 0 1,200 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 411 5,965 SH   DFND 2 5,965 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 20 965 SH   DFND 2 965 0 0
NEWS CORP INC CL A COMMON STOCK 65248E104 3 100 SH   OTR 2 0 100 0
NEWS CORP INC CL A COMMON STOCK 65248E104 97 2,980 SH   DFND 2 2,980 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 36 445 SH   OTR 2 0 445 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 427 5,245 SH   DFND 2 5,245 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 508 7,970 SH   DFND 2 7,970 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 144 2,400 SH   DFND 2 2,400 0 0
NORDSTROM INC COMMON STOCK 655664100 37 625 SH   DFND 2 625 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 61 835 SH   OTR 2 0 835 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 189 2,605 SH   DFND 2 2,605 0 0
NORTHEAST UTILITIES COMMON STOCK 664397106 8 200 SH   DFND 2 200 0 0
NORTHERN TR CORP COMMON STOCK 665859104 7 125 SH   DFND 2 125 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 6 75 SH   DFND 2 75 0 0
NUCOR CORP COMMON STOCK 670346105 28 650 SH   OTR 2 0 650 0
NUCOR CORP COMMON STOCK 670346105 242 5,585 SH   DFND 2 5,585 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 737 8,265 SH   DFND 2 8,265 0 0
OCEANEERING INTL INC COMMON STOCK 675232102 22 300 SH   DFND 2 300 0 0
OLIN CORP COMMON STOCK 680665205 7 300 SH   DFND 2 300 0 0
OMNICOM GROUP COMMON STOCK 681919106 3 40 SH   DFND 2 40 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 235 7,640 SH   OTR 2 0 7,640 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,628 53,009 SH   DFND 2 53,009 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 71 1,450 SH   OTR 2 0 1,450 0
PALL CORP COMMON STOCK 696429307 7 100 SH   DFND 2 100 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 24 250 SH   OTR 2 0 250 0
PAYCHEX INC COMMON STOCK 704326107 161 4,400 SH   DFND 2 4,400 0 0
PEABODY ENERGY CORP COMMON STOCK 704549104 2 125 SH   DFND 2 125 0 0
PEPSICO INC COMMON STOCK 713448108 1,342 16,408 SH   OTR 2 0 16,408 0
PEPSICO INC COMMON STOCK 713448108 2,573 31,458 SH   DFND 2 31,458 0 0
PFIZER INC COMMON STOCK 717081103 485 17,311 SH   OTR 2 0 17,311 0
PFIZER INC COMMON STOCK 717081103 1,423 50,809 SH   DFND 2 50,809 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 27 315 SH   OTR 2 0 315 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 900 10,394 SH   DFND 2 10,394 0 0
PHILLIPS 66 COMMON STOCK 718546104 33 555 SH   OTR 2 0 555 0
PHILLIPS 66 COMMON STOCK 718546104 228 3,875 SH   DFND 2 3,875 0 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 18 126 SH   DFND 2 126 0 0
PRAXAIR INC COMMON STOCK 74005P104 74 645 SH   OTR 2 0 645 0
PRAXAIR INC COMMON STOCK 74005P104 977 8,485 SH   DFND 2 8,485 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 742 9,639 SH   OTR 2 0 9,639 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,374 30,831 SH   DFND 2 30,831 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 40 550 SH   OTR 2 0 550 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 1,029 14,092 SH   DFND 2 14,092 0 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 13 400 SH   DFND 2 400 0 0
QUALCOMM INC COMMON STOCK 747525103 26 420 SH   OTR 2 0 420 0
QUALCOMM INC COMMON STOCK 747525103 1,328 21,745 SH   DFND 2 21,745 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 39 650 SH   OTR 2 0 650 0
RAYTHEON COMPANY COMMON STOCK 755111507 3 50 SH   DFND 2 50 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100 4 120 SH   DFND 2 120 0 0
SALESFORCE.COM COMMON STOCK 79466L302 388 10,164 SH   DFND 2 10,164 0 0
SEMPRA ENERGY COMMON STOCK 816851109 8 100 SH   DFND 2 100 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 43 270 SH   OTR 2 0 270 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 822 5,205 SH   DFND 2 5,205 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 60 1,350 SH   OTR 2 0 1,350 0
SOUTHERN COMPANY COMMON STOCK 842587107 745 16,880 SH   DFND 2 16,880 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 5 150 SH   DFND 2 150 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 50 1,100 SH   DFND 2 1,100 0 0
STAPLES INC COMMON STOCK 855030102 16 1,000 SH   OTR 2 0 1,000 0
STARBUCKS CORP COMMON STOCK 855244109 79 1,200 SH   OTR 2 0 1,200 0
STARBUCKS CORP COMMON STOCK 855244109 1,159 17,695 SH   DFND 2 17,695 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 525 8,304 SH   DFND 2 8,304 0 0
STATE STREET CORP COMMON STOCK 857477103 29 450 SH   DFND 2 450 0 0
STRYKER CORPORATION COMMON STOCK 863667101 26 400 SH   OTR 2 0 400 0
STRYKER CORPORATION COMMON STOCK 863667101 5 75 SH   DFND 2 75 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 3 60 SH   DFND 2 60 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 351 4,800 SH   OTR 2 0 4,800 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,169 15,976 SH   DFND 2 15,976 0 0
TARGA RESOURCES PARTNERS LP COMMON STOCK 87611X105 5 100 SH   DFND 2 100 0 0
TARGET CORP COMMON STOCK 87612E106 167 2,425 SH   OTR 2 0 2,425 0
TARGET CORP COMMON STOCK 87612E106 806 11,712 SH   DFND 2 11,712 0 0
TESLA MOTORS INC COMMON STOCK 88160R101 16 150 SH   DFND 2 150 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 22 250 SH   OTR 2 0 250 0
THE HERSHEY COMPANY COMMON STOCK 427866108 512 5,740 SH   DFND 2 5,740 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 5 100 SH   DFND 2 100 0 0
TIDEWATER INC COMMON STOCK 886423102 6 100 SH   OTR 2 0 100 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 11 100 SH   DFND 2 100 0 0
TIME WARNER INC COMMON STOCK 887317303 51 890 SH   OTR 2 0 890 0
TIME WARNER INC COMMON STOCK 887317303 944 16,329 SH   DFND 2 16,329 0 0
TJX COS INC COMMON STOCK 872540109 83 1,650 SH   OTR 2 0 1,650 0
TJX COS INC COMMON STOCK 872540109 1,114 22,260 SH   DFND 2 22,260 0 0
TOLL BROTHERS INC COMMON STOCK 889478103 1 25 SH   DFND 2 25 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106 29 250 SH   OTR 2 0 250 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 30 375 SH   OTR 2 0 375 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 566 7,084 SH   DFND 2 7,084 0 0
TRUEBLUE INC COMMON STOCK 89785X101 27 1,300 SH   DFND 2 1,300 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 423 7,090 SH   DFND 2 7,090 0 0
UNION PAC CORP COMMON STOCK 907818108 56 365 SH   OTR 2 0 365 0
UNION PAC CORP COMMON STOCK 907818108 647 4,195 SH   DFND 2 4,195 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 108 1,250 SH   OTR 2 0 1,250 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 998 11,544 SH   DFND 2 11,544 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 2 125 SH   DFND 2 125 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 852 9,170 SH   OTR 2 0 9,170 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,577 16,973 SH   DFND 2 16,973 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 13 200 SH   DFND 2 200 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 17 255 SH   OTR 2 0 255 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 443 6,770 SH   DFND 2 6,770 0 0
US BANCORP NEW COMMON STOCK 902973304 200 5,525 SH   OTR 2 0 5,525 0
US BANCORP NEW COMMON STOCK 902973304 1,343 37,142 SH   DFND 2 37,142 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 159 4,585 SH   DFND 2 4,585 0 0
VERIFONE SYSTEMS, INC COMMON STOCK 92342Y109 3 200 SH   DFND 2 200 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 382 7,583 SH   OTR 2 0 7,583 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,848 36,702 SH   DFND 2 36,702 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 5 60 SH   DFND 2 60 0 0
VIACOM INC-B COMMON STOCK 92553P201 133 1,960 SH   OTR 2 0 1,960 0
VIACOM INC-B COMMON STOCK 92553P201 117 1,716 SH   DFND 2 1,716 0 0
VISA INC CL A COMMON STOCK 92826C839 64 350 SH   OTR 2 0 350 0
VISA INC CL A COMMON STOCK 92826C839 1,553 8,500 SH   DFND 2 8,500 0 0
WAL MART STORES INC COMMON STOCK 931142103 117 1,575 SH   OTR 2 0 1,575 0
WAL MART STORES INC COMMON STOCK 931142103 1,203 16,148 SH   DFND 2 16,148 0 0
WALGREEN CO COMMON STOCK 931422109 9 200 SH   DFND 2 200 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 4 100 SH   DFND 2 100 0 0
WELLS FARGO & CO COMMON STOCK 949746101 251 6,075 SH   OTR 2 0 6,075 0
WELLS FARGO & CO COMMON STOCK 949746101 2,084 50,508 SH   DFND 2 50,508 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 3 25 SH   DFND 2 25 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 66 1,275 SH   DFND 2 1,275 0 0
WILLIAMS PARTNERS LP COMMON STOCK 96950F104 8 150 SH   DFND 2 150 0 0
WINDSTREAM CORP COMMON STOCK 97381W104 18 2,326 SH   DFND 2 2,326 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 53 1,300 SH   DFND 2 1,300 0 0
YUM! BRANDS INC COMMON STOCK 988498101 42 600 SH   OTR 2 0 600 0
YUM! BRANDS INC COMMON STOCK 988498101 474 6,839 SH   DFND 2 6,839 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 36 475 SH   OTR 2 0 475 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 422 5,635 SH   DFND 2 5,635 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 3 75 SH   DFND 2 75 0 0
3M CO COMMON STOCK 88579Y101 624 5,710 SH   OTR 2 0 5,710 0
3M CO COMMON STOCK 88579Y101 1,273 11,645 SH   DFND 2 11,645 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 67 1,600 SH   OTR 2 0 1,600 0
BP PLC SPONS ADR COMMON STOCK 055622104 29 700 SH   DFND 2 700 0 0
CIA SANEAMENTO BASICO DE SPONS COMMON STOCK 20441A102 19 1,800 SH   DFND 2 1,800 0 0
COMPANHIA ENERGETICA MINAS SPO COMMON STOCK 204409601 0 50 SH   DFND 2 50 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   OTR 2 0 100 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   DFND 2 100 0 0
GRUMA S.A.B. DE C.V. ADR COMMON STOCK 400131306 24 1,300 SH   DFND 2 1,300 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 49 700 SH   DFND 2 700 0 0
ROYAL DUTCH SHELL PLC SPONS AD COMMON STOCK 780259107 7 100 SH   DFND 2 100 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 12 191 SH   DFND 2 191 0 0
SIEMENS AG SPONS ADR COMMON STOCK 826197501 11 110 SH   DFND 2 110 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 35 900 SH   DFND 2 900 0 0
ANNALY CAPITAL MANAGEMENT REIT COMMON STOCK 035710409 13 1,024 SH   DFND 2 1,024 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 4 30 SH   DFND 2 30 0 0
GLADSTONE COMMERCIAL CORP REIT COMMON STOCK 376536108 6 305 SH   DFND 2 305 0 0
GOVERNMENT PROPERTIES INCOME T COMMON STOCK 38376A103 3 100 SH   DFND 2 100 0 0
HATTERAS FINL CORP REIT COMMON STOCK 41902R103 18 725 SH   DFND 2 725 0 0
HCP INC REIT COMMON STOCK 40414L109 14 299 SH   DFND 2 299 0 0
HEALTH CARE REIT INC REIT COMMON STOCK 42217K106 4 60 SH   DFND 2 60 0 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 5 220 SH   DFND 2 220 0 0
MACK CALI RLTY CORP REIT COMMON STOCK 554489104 2 100 SH   DFND 2 100 0 0
PLUM CREEK TIMBER CO INC REIT COMMON STOCK 729251108 42 900 SH   DFND 2 900 0 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 10 700 SH   DFND 2 700 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 3 100 SH   DFND 2 100 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 513 20,746 SH   OTR 2 0 20,746 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 31,738 1,282,355 SH   DFND 2 0 1,282,355 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 83 1,150 SH   OTR 2 0 1,150 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 770 10,695 SH   DFND 2 10,695 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 3 180 SH   DFND 2 180 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 6 65 SH   DFND 2 65 0 0
CARNIVAL CORP COMMON STOCK 143658300 24 700 SH   OTR 2 0 700 0
CARNIVAL CORP COMMON STOCK 143658300 41 1,200 SH   DFND 2 1,200 0 0
CGI GROUP INC COMMON STOCK 39945C109 1 50 SH   DFND 2 50 0 0
COVIDIEN PLC COMMON STOCK G2554F113 520 8,270 SH   DFND 2 8,270 0 0
EATON CORP PLC COMMON STOCK G29183103 82 1,250 SH   OTR 2 0 1,250 0
EATON CORP PLC COMMON STOCK G29183103 85 1,284 SH   DFND 2 1,284 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 4 71 SH   DFND 2 71 0 0
NABORS INDUSTRIES LTD COMMON STOCK G6359F103 7 475 SH   DFND 2 475 0 0
NOBLE CORP COMMON STOCK H5833N103 47 1,250 SH   OTR 2 0 1,250 0
NOBLE CORP COMMON STOCK H5833N103 113 2,995 SH   DFND 2 2,995 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 76 1,055 SH   OTR 2 0 1,055 0
SCHLUMBERGER LTD COMMON STOCK 806857108 837 11,685 SH   DFND 2 11,685 0 0
SEADRILL LIMITED COMMON STOCK G7945E105 8 200 SH   DFND 2 200 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 7 100 SH   DFND 2 100 0 0
SUNCOR ENERGY INC COMMON STOCK 867224107 6 200 SH   DFND 2 200 0 0
THOMSON CORP COMMON STOCK 884903105 3 100 SH   DFND 2 100 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 84 1,042 SH   OTR 2 0 1,042 0
TORONTO DOMINION BANK COMMON STOCK 891160509 892 11,098 SH   DFND 2 11,098 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 24 500 SH   OTR 2 0 500 0
GENERAL MTRS COMPANY-WTS OTHER 37045V126 1 35 SH   DFND 2 35 0 0
GENERAL MTRS COMPANY-WTS OTHER 37045V118 1 35 SH   DFND 2 35 0 0
ALERIAN MLP ETF OTHER 00162Q866 6 318 SH   DFND 2 318 0 0
ALLIANZGI NFJ DV INT & PREM ST OTHER 01883A107 19 1,128 SH   DFND 2 1,128 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 90 1,600 SH   DFND 2 1,600 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 47 1,185 SH   DFND 2 1,185 0 0
EATON VANCE T/A GL DVD INCM OTHER 27828S101 63 4,195 SH   DFND 2 4,195 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 172 2,193 SH   DFND 2 2,193 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 34 1,200 SH   DFND 2 1,200 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 229 11,782 SH   DFND 2 11,782 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 26 1,350 SH   DFND 2 1,350 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 152 3,200 SH   DFND 2 3,200 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 95 2,230 SH   DFND 2 2,230 0 0
IPATH GOLDMAN SACHS CRUDE OTHER 06738C786 13 600 SH   DFND 2 600 0 0
ISHARES GOLD TRUST OTHER 464285105 4 322 SH   DFND 2 322 0 0
ISHARES RUSSELL 2000 INDEX FUN OTHER 464287655 36 375 SH   DFND 2 375 0 0
ISHARES S&P GLB MATERIALS INDE OTHER 464288695 5 100 SH   DFND 2 100 0 0
ISHARES S&P PREF STK OTHER 464288687 233 5,920 SH   OTR 2 0 5,920 0
ISHARES S&P PREF STK OTHER 464288687 3,089 78,638 SH   DFND 2 78,638 0 0
ISHARES SILVER TRUST OTHER 46428Q109 40 2,084 SH   DFND 2 2,084 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 101 2,636 SH   DFND 2 2,636 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 28 1,250 SH   DFND 2 1,250 0 0
POWERSHARES WILDERHILL CLEAN E OTHER 73935X500 21 3,950 SH   DFND 2 3,950 0 0
SPDR GOLD TRUST OTHER 78463V107 42 351 SH   DFND 2 351 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 63 300 SH   DFND 2 300 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 8 50 SH   DFND 2 50 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 161 5,255 SH   DFND 2 5,255 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 118 3,123 SH   DFND 2 3,123 0 0
VANGUARD TOTAL STOCK MARKET ET OTHER 922908769 56 674 SH   DFND 2 674 0 0
ISHARES BARCLAYS TIPS BOND FUN OTHER 464287176 6 56 SH   DFND 2 56 0 0
PROSHARES ULTRASHORT 20+Y TR OTHER 74347B201 2 25 SH   DFND 2 25 0 0
NUVEEN DVD ADVANTAGE MUNI FD OTHER 67066V101 16 1,167 SH   DFND 2 1,167 0 0
NUVEEN NY DIV ADV MUNI FUND 2 OTHER 67070A101 5 360 SH   DFND 2 360 0 0
AMAZON.COM INC COMMON STOCK 023135106 2,388 8,600 SH   DFND 3 8,600 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,624 21,725 SH   DFND 3 21,725 0 0
AMGEN INC COMMON STOCK 031162100 1,480 15,000 SH   DFND 3 15,000 0 0
APPLE INC COMMON STOCK 037833100 3,493 8,810 SH   DFND 3 8,810 0 0
AT&T INC COMMON STOCK 00206R102 1,613 45,555 SH   DFND 3 45,555 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,255 175,385 SH   DFND 3 75,385 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 1,262 45,000 SH   DFND 3 45,000 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,015 18,000 SH   DFND 3 18,000 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 1,614 7,500 SH   DFND 3 7,500 0 0
BROADCOM CORP COMMON STOCK 111320107 760 22,500 SH   DFND 3 22,500 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,155 14,000 SH   DFND 3 14,000 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 977 20,000 SH   DFND 3 20,000 0 0
CELGENE CORP COMMON STOCK 151020104 877 7,500 SH   DFND 3 7,500 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 1,257 30,000 SH   DFND 3 30,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,103 9,320 SH   DFND 3 9,320 0 0
CITIGROUP INC COMMON STOCK 172967424 1,559 32,500 SH   DFND 3 32,500 0 0
COCA COLA CO COMMON STOCK 191216100 1,123 28,000 SH   DFND 3 28,000 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,089 19,000 SH   DFND 3 19,000 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,074 17,750 SH   DFND 3 17,750 0 0
CORNING INC COMMON STOCK 219350105 1,281 90,000 SH   DFND 3 90,000 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,437 13,000 SH   DFND 3 13,000 0 0
CST BRANDS INC COMMON STOCK 12646R105 0 1 SH   DFND 3 1 0 0
CVS CAREMARK CORP COMMON STOCK 126650100 915 16,000 SH   DFND 3 16,000 0 0
DANAHER CORP COMMON STOCK 235851102 633 10,000 SH   DFND 3 10,000 0 0
DEERE & CO COMMON STOCK 244199105 792 9,750 SH   DFND 3 9,750 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,222 19,345 SH   DFND 3 19,345 0 0
DTE ENERGY CO COMMON STOCK 233331107 787 11,750 SH   DFND 3 11,750 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 499 9,500 SH   DFND 3 9,500 0 0
EBAY INC COMMON STOCK 278642103 1,034 20,000 SH   DFND 3 20,000 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 1,497 24,245 SH   DFND 3 2,425 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,807 20,000 SH   DFND 3 20,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 560 22,500 SH   DFND 3 22,500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 789 8,000 SH   DFND 3 8,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 619 40,000 SH   DFND 3 40,000 0 0
FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 966 35,000 SH   DFND 3 35,000 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 2,278 98,250 SH   DFND 3 98,250 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 1,166 35,000 SH   DFND 3 35,000 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,538 30,000 SH   DFND 3 30,000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,891 12,500 SH   DFND 3 12,500 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 4,314 4,900 SH   DFND 3 4,900 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 1,180 18,900 SH   DFND 3 18,900 0 0
HOME DEPOT INC COMMON STOCK 437076102 775 10,000 SH   DFND 3 10,000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,190 15,000 SH   DFND 3 15,000 0 0
INTEL CORP COMMON STOCK 458140100 485 20,000 SH   DFND 3 20,000 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,127 15,000 SH   DFND 3 15,000 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,433 7,500 SH   DFND 3 7,500 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 827 15,000 SH   DFND 3 15,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 859 10,000 SH   DFND 3 10,000 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,689 32,000 SH   DFND 3 32,000 0 0
KB HOME COM COMMON STOCK 48666K109 1,472 75,000 SH   DFND 3 75,000 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 838 15,000 SH   DFND 3 15,000 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,296 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,170 33,870 SH   DFND 3 33,870 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 542 18,990 SH   DFND 3 18,990 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,222 50,000 SH   DFND 3 50,000 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 827 12,000 SH   DFND 3 12,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,202 14,750 SH   DFND 3 14,750 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 1,201 20,000 SH   DFND 3 20,000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 443 14,425 SH   DFND 3 14,425 0 0
PEPSICO INC COMMON STOCK 713448108 1,161 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,101 75,000 SH   DFND 3 75,000 0 0
PHILLIPS 66 COMMON STOCK 718546104 1,178 20,000 SH   DFND 3 20,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,193 15,500 SH   DFND 3 15,500 0 0
QUALCOMM INC COMMON STOCK 747525103 2,215 36,250 SH   DFND 3 36,250 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,413 37,000 SH   DFND 3 37,000 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 790 5,000 SH   DFND 3 5,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,277 19,500 SH   DFND 3 19,500 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 1,011 16,000 SH   DFND 3 16,000 0 0
TARGET CORP COMMON STOCK 87612E106 1,033 15,000 SH   DFND 3 15,000 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,199 15,000 SH   DFND 3 15,000 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,433 24,000 SH   DFND 3 24,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,234 8,000 SH   DFND 3 8,000 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 605 7,000 SH   DFND 3 7,000 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 976 10,500 SH   DFND 3 10,500 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,310 20,000 SH   DFND 3 20,000 0 0
US BANCORP NEW COMMON STOCK 902973304 1,529 42,300 SH   DFND 3 42,300 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 869 25,000 SH   DFND 3 25,000 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,138 22,600 SH   DFND 3 22,600 0 0
VIACOM INC-B COMMON STOCK 92553P201 1,020 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 2,378 13,010 SH   DFND 3 13,010 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,490 20,000 SH   DFND 3 20,000 0 0
WELLS FARGO & CO COMMON STOCK 949746101 1,857 45,000 SH   DFND 3 45,000 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 1,390 27,000 SH   DFND 3 27,000 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 864 12,000 SH   DFND 3 12,000 0 0
COVIDIEN PLC COMMON STOCK G2554F113 628 10,000 SH   DFND 3 10,000 0 0
EATON CORP PLC COMMON STOCK G29183103 559 8,500 SH   DFND 3 8,500 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,039 14,500 SH   DFND 3 14,500 0 0
ABBOTT LABS COMMON STOCK 002824100 7 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 19 550 SH   SOLE   550 0 0
ABBVIE INC COMMON STOCK 00287Y109 8 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 23 550 SH   SOLE   550 0 0
ACTAVIS INC COMMON STOCK 00507K103 67 530 SH   SOLE   530 0 0
AETNA INC COMMON STOCK 00817Y108 13 200 SH   SOLE   200 0 0
ALLIANT CORP COMMON STOCK 018802108 11 225 SH   SOLE   225 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 22 629 SH   SOLE   629 0 0
AMAZON.COM INC COMMON STOCK 023135106 87 315 SH   SOLE   315 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 22 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 142 1,895 SH   SOLE   1,895 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 65 885 SH   SOLE   885 0 0
AMGEN INC COMMON STOCK 031162100 15 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 81 825 SH   SOLE   825 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 24 285 SH   SOLE   285 0 0
APACHE CORP COMMON STOCK 037411105 13 150 SH   SOLE   150 0 0
APPLE INC COMMON STOCK 037833100 198 500 SH   SOLE   500 0 0
AT&T INC COMMON STOCK 00206R102 39 1,100 SH   OTR   0 1,100 0
AT&T INC COMMON STOCK 00206R102 114 3,225 SH   SOLE   3,225 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 1,030 SH   SOLE   1,030 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 127 1,134 SH   SOLE   1,134 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 2,915 SH   SOLE   2,915 0 0
BROADCOM CORP COMMON STOCK 111320107 77 2,289 SH   SOLE   2,289 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 1,090 SH   SOLE   1,090 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 COMMON STOCK 156700106 6 175 SH   SOLE   175 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 35 828 SH   SOLE   828 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 28 240 SH   OTR   0 240 0
CHEVRON CORPORATION COMMON STOCK 166764100 263 2,222 SH   SOLE   2,222 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3 135 SH   SOLE   135 0 0
CITIGROUP INC COMMON STOCK 172967424 71 1,474 SH   SOLE   1,474 0 0
COACH INC COMMON STOCK 189754104 11 190 SH   SOLE   190 0 0
COCA COLA CO COMMON STOCK 191216100 112 2,800 SH   SOLE   2,800 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 23 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 120 2,090 SH   SOLE   2,090 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 48 1,155 SH   SOLE   1,155 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 68 1,130 SH   SOLE   1,130 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 111 1,005 SH   SOLE   1,005 0 0
CST BRANDS INC COMMON STOCK 12646R105 0 1 SH   SOLE   1 0 0
CVS CAREMARK CORP COMMON STOCK 126650100 17 300 SH   SOLE   300 0 0
DANAHER CORP COMMON STOCK 235851102 51 800 SH   OTR   0 800 0
DANAHER CORP COMMON STOCK 235851102 97 1,535 SH   SOLE   1,535 0 0
DEERE & CO COMMON STOCK 244199105 43 535 SH   SOLE   535 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 13 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106 150 2,375 SH   SOLE   2,375 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 11 200 SH   OTR   0 200 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 43 750 SH   SOLE   750 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 13 400 SH   OTR   0 400 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 9 278 SH   SOLE   278 0 0
DTE ENERGY CO COMMON STOCK 233331107 48 710 SH   SOLE   710 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 56 1,069 SH   SOLE   1,069 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 4 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 67 1,305 SH   SOLE   1,305 0 0
ECOLAB INC COMMON STOCK 278865100 23 265 SH   SOLE   265 0 0
EMC CORP MASS COMMON STOCK 268648102 78 3,300 SH   SOLE   3,300 0 0
EMERSON ELEC CO COMMON STOCK 291011104 58 1,060 SH   SOLE   1,060 0 0
EXELON CORP COMMON STOCK 30161N101 3 100 SH   SOLE   100 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 80 1,300 SH   SOLE   1,300 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 32 350 SH   OTR   0 350 0
EXXONMOBIL CORP COMMON STOCK 30231G102 418 4,623 SH   SOLE   4,623 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 12 500 SH   SOLE   500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 72 735 SH   SOLE   735 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 46 2,990 SH   SOLE   2,990 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 3 40 SH   SOLE   40 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 211 9,095 SH   SOLE   9,095 0 0
GENERAL MLS INC COMMON STOCK 370334104 5 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104 57 1,173 SH   SOLE   1,173 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 45 1,350 SH   SOLE   1,350 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 59 1,155 SH   SOLE   1,155 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 60 395 SH   SOLE   395 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 194 220 SH   SOLE   220 0 0
HALLIBURTON CO COMMON STOCK 406216101 39 935 SH   SOLE   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 1,792 SH   SOLE   1,792 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 84 1,055 SH   SOLE   1,055 0 0
INTEL CORP COMMON STOCK 458140100 7 300 SH   OTR   0 300 0
INTEL CORP COMMON STOCK 458140100 175 7,208 SH   SOLE   7,208 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 2 27 SH   SOLE   27 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 76 1,720 SH   SOLE   1,720 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 19 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 246 1,288 SH   SOLE   1,288 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 2,778 SH   SOLE   2,778 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 198 3,760 SH   SOLE   3,760 0 0
KB HOME COM COMMON STOCK 48666K109 55 2,825 SH   SOLE   2,825 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 1,404 SH   SOLE   1,404 0 0
MEDTRONIC INC COMMON STOCK 585055106 16 305 SH   SOLE   305 0 0
MERCK & CO INC COMMON STOCK 58933Y105 144 3,095 SH   SOLE   3,095 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 5,606 SH   SOLE   5,606 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 59 2,070 SH   SOLE   2,070 0 0
MONSANTO CO COMMON STOCK 61166W101 62 630 SH   SOLE   630 0 0
MORGAN STANLEY COMMON STOCK 617446448 50 2,039 SH   SOLE   2,039 0 0
MYLAN INC COMMON STOCK 628530107 54 1,750 SH   SOLE   1,750 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 4,305 SH   SOLE   4,305 0 0
PEPSICO INC COMMON STOCK 713448108 16 200 SH   OTR   0 200 0
PEPSICO INC COMMON STOCK 713448108 178 2,172 SH   SOLE   2,172 0 0
PFIZER INC COMMON STOCK 717081103 74 2,640 SH   SOLE   2,640 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 2,125 SH   SOLE   2,125 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 83 1,135 SH   SOLE   1,135 0 0
QUALCOMM INC COMMON STOCK 747525103 116 1,905 SH   SOLE   1,905 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 1,300 SH   SOLE   1,300 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 1,117 SH   SOLE   1,117 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 1,470 SH   SOLE   1,470 0 0
TJX COS INC COMMON STOCK 872540109 10 200 SH   OTR   0 200 0
TJX COS INC COMMON STOCK 872540109 94 1,880 SH   SOLE   1,880 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 1,185 SH   SOLE   1,185 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 3,800 SH   SOLE   3,800 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 26 735 SH   SOLE   735 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 136 2,700 SH   SOLE   2,700 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 1,680 SH   SOLE   1,680 0 0
WELLS FARGO & CO COMMON STOCK 949746101 25 600 SH   OTR   0 600 0
WELLS FARGO & CO COMMON STOCK 949746101 171 4,140 SH   SOLE   4,140 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 17,191 SH   SOLE   17,191 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 85 1,175 SH   SOLE   1,175 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 1,650 SH   SOLE   1,650 0 0
ISHARES S&P PREF STK OTHER 464288687 334 8,500 SH   SOLE   8,500 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