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
AFLAC INC COMMON STOCK 001055102 564 9,065 SH   DFND 2 9,065 0 0
ABBOTT LABS COMMON STOCK 002824100 624 15,257 SH   DFND 2 15,257 0 0
ABBOTT LABS COMMON STOCK 002824100 109 2,675 SH   OTR 2 0 2,675 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 82 400 SH   DFND 2 400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 27 210 SH   DFND 2 210 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 87 675 SH   OTR 2 0 675 0
ALCOA INC COMMON STOCK 013817101 3 200 SH   DFND 2 200 0 0
ALLIANT CORP COMMON STOCK 018802108 293 4,815 SH   DFND 2 4,815 0 0
ALLIANT CORP COMMON STOCK 018802108 37 600 SH   OTR 2 0 600 0
ALLSTATE CORP COMMON STOCK 020002101 6 100 SH   OTR 2 0 100 0
ALTERA CORP COMMON STOCK 021441100 189 5,450 SH   DFND 2 5,450 0 0
ALTERA CORP COMMON STOCK 021441100 23 650 SH   OTR 2 0 650 0
AMAZON.COM INC COMMON STOCK 023135106 1,198 3,689 SH   DFND 2 3,689 0 0
AMAZON.COM INC COMMON STOCK 023135106 73 225 SH   OTR 2 0 225 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 52 930 SH   DFND 2 930 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2,471 26,051 SH   DFND 2 26,051 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 423 4,455 SH   OTR 2 0 4,455 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 276 5,050 SH   DFND 2 5,050 0 0
AMGEN INC COMMON STOCK 031162100 571 4,823 SH   DFND 2 4,823 0 0
AMGEN INC COMMON STOCK 031162100 30 250 SH   OTR 2 0 250 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 345 3,155 SH   DFND 2 3,155 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 639 11,815 SH   DFND 2 11,815 0 0
ANNALY CAPITAL MANAGEMENT REIT COMMON STOCK 035710409 12 1,024 SH   DFND 2 1,024 0 0
APACHE CORP COMMON STOCK 037411105 424 4,210 SH   DFND 2 4,210 0 0
APACHE CORP COMMON STOCK 037411105 25 250 SH   OTR 2 0 250 0
APOLLO GLOBAL MANAGEMENT LLC COMMON STOCK 037612306 287 10,339 SH   DFND 2 10,339 0 0
APPLE INC COMMON STOCK 037833100 4,675 50,304 SH   DFND 2 50,304 0 0
APPLE INC COMMON STOCK 037833100 504 5,425 SH   OTR 2 0 5,425 0
APPLIED MATERIALS INC COMMON STOCK 038222105 309 13,695 SH   DFND 2 13,695 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 7 170 SH   DFND 2 170 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 33,687 1,298,662 SH   DFND 2 1,298,662 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 542 20,911 SH   OTR 2 0 20,911 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 192 2,420 SH   DFND 2 2,420 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 510 6,435 SH   OTR 2 0 6,435 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 4 30 SH   DFND 2 30 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 121 2,300 SH   DFND 2 2,300 0 0
BADGER METER INC COMMON STOCK 056525108 32 600 SH   DFND 2 600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 398 25,865 SH   DFND 2 25,865 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 37 2,389 SH   OTR 2 0 2,389 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 584 15,581 SH   DFND 2 15,581 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 137 3,661 SH   OTR 2 0 3,661 0
BARRICK GOLD CORP COMMON STOCK 067901108 4 230 SH   DFND 2 230 0 0
BAXTER INTL INC COMMON STOCK 071813109 149 2,055 SH   DFND 2 2,055 0 0
BAXTER INTL INC COMMON STOCK 071813109 193 2,663 SH   OTR 2 0 2,663 0
BED BATH & BEYOND INC COMMON STOCK 075896100 4 75 SH   DFND 2 75 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,088 16,501 SH   DFND 2 16,501 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 238 1,880 SH   OTR 2 0 1,880 0
BOEING CO COMMON STOCK 097023105 571 4,490 SH   DFND 2 4,490 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 3 265 SH   DFND 2 265 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,492 30,757 SH   DFND 2 30,757 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 176 3,625 SH   OTR 2 0 3,625 0
BROADCOM CORP COMMON STOCK 111320107 40 1,087 SH   DFND 2 1,087 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 12 145 SH   DFND 2 145 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 42 500 SH   OTR 2 0 500 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 25 150 SH   DFND 2 150 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 533 8,580 SH   DFND 2 8,580 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 94 1,515 SH   OTR 2 0 1,515 0
CVS CAREMARK CORP COMMON STOCK 126650100 1,004 13,321 SH   DFND 2 13,321 0 0
CVS CAREMARK CORP COMMON STOCK 126650100 107 1,415 SH   OTR 2 0 1,415 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 4 65 SH   DFND 2 65 0 0
CARNIVAL CORP COMMON STOCK 143658300 45 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,058 9,740 SH   DFND 2 9,740 0 0
CATERPILLAR INC COMMON STOCK 149123101 176 1,620 SH   OTR 2 0 1,620 0
CELGENE CORP COMMON STOCK 151020104 1,124 13,092 SH   DFND 2 13,092 0 0
CELGENE CORP COMMON STOCK 151020104 112 1,300 SH   OTR 2 0 1,300 0
CENTURYLINK INC COMMON STOCK 156700106 54 1,480 SH   DFND 2 1,480 0 0
CERNER CORP COMMON STOCK 156782104 434 8,411 SH   DFND 2 8,411 0 0
CERNER CORP COMMON STOCK 156782104 26 500 SH   OTR 2 0 500 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 671 14,464 SH   DFND 2 14,464 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 0 100 0
CHEMUNG FINL CRP COMMON STOCK 164024101 12 400 SH   DFND 2 400 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 3,417 26,172 SH   DFND 2 26,172 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 871 6,675 SH   OTR 2 0 6,675 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 59 100 SH   DFND 2 100 0 0
CHUBB CORP COMMON STOCK 171232101 304 3,294 SH   DFND 2 3,294 0 0
CHUBB CORP COMMON STOCK 171232101 37 400 SH   OTR 2 0 400 0
CIENA CORP COMMON STOCK 171779309 5 225 SH   DFND 2 225 0 0
CITIGROUP INC COMMON STOCK 172967424 862 18,294 SH   DFND 2 18,294 0 0
CITIGROUP INC COMMON STOCK 172967424 35 736 SH   OTR 2 0 736 0
CITRIX SYSTEMS INC COMMON STOCK 177376100 213 3,405 SH   DFND 2 3,405 0 0
CITRIX SYSTEMS INC COMMON STOCK 177376100 20 325 SH   OTR 2 0 325 0
CLOROX COMPANY COMMON STOCK 189054109 23 250 SH   DFND 2 250 0 0
CLOROX COMPANY COMMON STOCK 189054109 46 500 SH   OTR 2 0 500 0
COACH INC COMMON STOCK 189754104 2 50 SH   DFND 2 50 0 0
COCA COLA CO COMMON STOCK 191216100 1,490 35,171 SH   DFND 2 35,171 0 0
COCA COLA CO COMMON STOCK 191216100 56 1,320 SH   OTR 2 0 1,320 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 295 6,025 SH   DFND 2 6,025 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 46 950 SH   OTR 2 0 950 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,649 24,180 SH   DFND 2 24,180 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 546 8,010 SH   OTR 2 0 8,010 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 235 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 7 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 64 1,114 SH   DFND 2 1,114 0 0
CORNING INC COMMON STOCK 219350105 102 4,625 SH   DFND 2 4,625 0 0
CORNING INC COMMON STOCK 219350105 22 1,000 SH   OTR 2 0 1,000 0
DTE ENERGY CO COMMON STOCK 233331107 235 3,024 SH   DFND 2 3,024 0 0
DTE ENERGY CO COMMON STOCK 233331107 38 485 SH   OTR 2 0 485 0
DANAHER CORP COMMON STOCK 235851102 1,410 17,906 SH   DFND 2 17,906 0 0
DANAHER CORP COMMON STOCK 235851102 309 3,920 SH   OTR 2 0 3,920 0
DEERE & CO COMMON STOCK 244199105 454 5,010 SH   DFND 2 5,010 0 0
DEERE & CO COMMON STOCK 244199105 45 500 SH   OTR 2 0 500 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,041 23,799 SH   DFND 2 23,799 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 711 8,287 SH   OTR 2 0 8,287 0
DOLLAR TREE INC COMMON STOCK 256746108 546 10,030 SH   DFND 2 10,030 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 668 12,989 SH   DFND 2 12,989 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 46 890 SH   OTR 2 0 890 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 854 13,044 SH   DFND 2 13,044 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 197 3,015 SH   OTR 2 0 3,015 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 23 500 SH   OTR 2 0 500 0
EMC CORP MASS COMMON STOCK 268648102 435 16,515 SH   DFND 2 16,515 0 0
EMC CORP MASS COMMON STOCK 268648102 46 1,750 SH   OTR 2 0 1,750 0
EBAY INC COMMON STOCK 278642103 1,004 20,065 SH   DFND 2 20,065 0 0
EBAY INC COMMON STOCK 278642103 3 50 SH   OTR 2 0 50 0
ECOLAB INC COMMON STOCK 278865100 518 4,650 SH   DFND 2 4,650 0 0
ECOLAB INC COMMON STOCK 278865100 184 1,650 SH   OTR 2 0 1,650 0
EDISON INTERNATIONAL COMMON STOCK 281020107 9 150 SH   DFND 2 150 0 0
EMERSON ELEC CO COMMON STOCK 291011104 580 8,733 SH   DFND 2 8,733 0 0
EMERSON ELEC CO COMMON STOCK 291011104 362 5,450 SH   OTR 2 0 5,450 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 12 150 SH   DFND 2 150 0 0
F5 NETWORKS INC COMMON STOCK 315616102 46 415 SH   DFND 2 415 0 0
FISERV INC COMMON STOCK 337738108 181 3,000 SH   DFND 2 3,000 0 0
FISERV INC COMMON STOCK 337738108 12 200 SH   OTR 2 0 200 0
FIRSTENERGY CORP COMMON STOCK 337932107 3 95 SH   DFND 2 95 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 1,173 68,054 SH   DFND 2 68,054 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 90 5,200 SH   OTR 2 0 5,200 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 1,167 20,171 SH   DFND 2 20,171 0 0
GANNETT INC COMMON STOCK 364730101 3 100 SH   DFND 2 100 0 0
GAP INC COMMON STOCK 364760108 6 150 SH   DFND 2 150 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 290 2,490 SH   DFND 2 2,490 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 30 255 SH   OTR 2 0 255 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,659 139,244 SH   DFND 2 139,244 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,164 44,282 SH   OTR 2 0 44,282 0
GENERAL MLS INC COMMON STOCK 370334104 1,176 22,375 SH   DFND 2 22,375 0 0
GENERAL MLS INC COMMON STOCK 370334104 85 1,625 SH   OTR 2 0 1,625 0
GENUINE PARTS CO COMMON STOCK 372460105 9 100 SH   DFND 2 100 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,172 14,140 SH   DFND 2 14,140 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 88 1,065 SH   OTR 2 0 1,065 0
GRUMA S.A.B. DE C.V. ADR COMMON STOCK 400131306 62 1,300 SH   DFND 2 1,300 0 0
HALLIBURTON CO COMMON STOCK 406216101 857 12,065 SH   DFND 2 12,065 0 0
HALLIBURTON CO COMMON STOCK 406216101 103 1,450 SH   OTR 2 0 1,450 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 89 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 387 3,330 SH   DFND 2 3,330 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 712 7,315 SH   DFND 2 7,315 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 24 250 SH   OTR 2 0 250 0
HEWLETT PACKARD CO COMMON STOCK 428236103 29 850 SH   DFND 2 850 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 319 9,475 SH   OTR 2 0 9,475 0
HEXCEL CORP COMMON STOCK 428291108 32 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,556 19,223 SH   DFND 2 19,223 0 0
HOME DEPOT INC COMMON STOCK 437076102 168 2,080 SH   OTR 2 0 2,080 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,187 12,775 SH   DFND 2 12,775 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 156 1,675 SH   OTR 2 0 1,675 0
HOSPIRA INC COMMON STOCK 441060100 13 260 SH   DFND 2 260 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 61 695 SH   DFND 2 695 0 0
INTEL CORP COMMON STOCK 458140100 2,581 83,521 SH   DFND 2 83,521 0 0
INTEL CORP COMMON STOCK 458140100 319 10,335 SH   OTR 2 0 10,335 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3,665 20,220 SH   DFND 2 20,220 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,783 9,836 SH   OTR 2 0 9,836 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 500 4,794 SH   DFND 2 4,794 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 433 8,575 SH   DFND 2 8,575 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 50 1,000 SH   OTR 2 0 1,000 0
ISHARES GOLD TRUST OTHER 464285105 1 100 SH   DFND 2 100 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 6 56 SH   DFND 2 56 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 678 6,200 SH   DFND 2 6,200 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 51 600 SH   DFND 2 600 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 3,755 26,244 SH   DFND 2 26,244 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 45 375 SH   DFND 2 375 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 1,691 15,087 SH   DFND 2 15,087 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 340 3,090 SH   DFND 2 3,090 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 164 1,550 SH   DFND 2 1,550 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 1,428 35,778 SH   DFND 2 35,778 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 112 2,800 SH   OTR 2 0 2,800 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 25 735 SH   DFND 2 735 0 0
ISHARES MSCI EAFE VALUE ETF OTHER 464288877 48 825 SH   DFND 2 825 0 0
JABIL CIRCUIT INC COMMON STOCK 466313103 73 3,500 SH   DFND 2 3,500 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 307 5,768 SH   DFND 2 5,768 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 44 823 SH   OTR 2 0 823 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,411 32,600 SH   DFND 2 32,600 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,196 20,990 SH   OTR 2 0 20,990 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 90 1,800 SH   DFND 2 1,800 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 5 100 SH   OTR 2 0 100 0
KELLOGG CO COMMON STOCK 487836108 80 1,225 SH   DFND 2 1,225 0 0
KELLOGG CO COMMON STOCK 487836108 168 2,555 SH   OTR 2 0 2,555 0
KEYCORP COMMON STOCK 493267108 40 2,822 SH   DFND 2 2,822 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 107 965 SH   DFND 2 965 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 7 80 SH   DFND 2 80 0 0
L BRANDS, INC COMMON STOCK 501797104 28 475 SH   DFND 2 475 0 0
LILLY ELI & CO COMMON STOCK 532457108 350 5,635 SH   DFND 2 5,635 0 0
LILLY ELI & CO COMMON STOCK 532457108 153 2,460 SH   OTR 2 0 2,460 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 96 600 SH   DFND 2 600 0 0
LOWES COS INC COMMON STOCK 548661107 594 12,386 SH   DFND 2 12,386 0 0
LOWES COS INC COMMON STOCK 548661107 223 4,650 SH   OTR 2 0 4,650 0
MARATHON OIL CORP COMMON STOCK 565849106 516 12,920 SH   DFND 2 12,920 0 0
MARATHON OIL CORP COMMON STOCK 565849106 10 260 SH   OTR 2 0 260 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 32 500 SH   DFND 2 500 0 0
MASCO CORP COMMON STOCK 574599106 470 21,188 SH   DFND 2 21,188 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 57 800 SH   OTR 2 0 800 0
MCDONALDS CORP COMMON STOCK 580135101 1,648 16,355 SH   DFND 2 16,355 0 0
MCDONALDS CORP COMMON STOCK 580135101 562 5,575 SH   OTR 2 0 5,575 0
MEDTRONIC INC COMMON STOCK 585055106 527 8,260 SH   DFND 2 8,260 0 0
MEDTRONIC INC COMMON STOCK 585055106 164 2,575 SH   OTR 2 0 2,575 0
MICROSOFT CORP COMMON STOCK 594918104 2,887 69,234 SH   DFND 2 69,234 0 0
MICROSOFT CORP COMMON STOCK 594918104 796 19,079 SH   OTR 2 0 19,079 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 300 6,150 SH   DFND 2 6,150 0 0
MOHAWK INDUSTRIES INC COMMON STOCK 608190104 31 225 SH   DFND 2 225 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 241 6,410 SH   DFND 2 6,410 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 73 1,932 SH   OTR 2 0 1,932 0
MORGAN STANLEY COMMON STOCK 617446448 1,349 41,723 SH   DFND 2 41,723 0 0
MYLAN INC COMMON STOCK 628530107 406 7,870 SH   DFND 2 7,870 0 0
MYLAN INC COMMON STOCK 628530107 82 1,600 SH   OTR 2 0 1,600 0
NBT BANCORP INC COM COMMON STOCK 628778102 23 965 SH   DFND 2 965 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 825 10,020 SH   DFND 2 10,020 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 101 1,225 SH   OTR 2 0 1,225 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 6 200 SH   DFND 2 200 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 435 5,608 SH   DFND 2 5,608 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 110 1,415 SH   DFND 2 1,415 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 145 1,405 SH   DFND 2 1,405 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 81 785 SH   OTR 2 0 785 0
NORTHEAST UTILITIES COMMON STOCK 664397106 9 200 SH   DFND 2 200 0 0
NORTHERN TR CORP COMMON STOCK 665859104 8 125 SH   DFND 2 125 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 9 75 SH   DFND 2 75 0 0
NUCOR CORP COMMON STOCK 670346105 184 3,735 SH   DFND 2 3,735 0 0
NUCOR CORP COMMON STOCK 670346105 32 650 SH   OTR 2 0 650 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 1,065 10,375 SH   DFND 2 10,375 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 41 400 SH   OTR 2 0 400 0
OCEANEERING INTL INC COMMON STOCK 675232102 23 300 SH   DFND 2 300 0 0
OLIN CORP COMMON STOCK 680665205 8 300 SH   DFND 2 300 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 235 1,120 SH   DFND 2 1,120 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 82 1,150 SH   OTR 2 0 1,150 0
PALL CORP COMMON STOCK 696429307 9 100 SH   DFND 2 100 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 308 2,450 SH   DFND 2 2,450 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 28 225 SH   OTR 2 0 225 0
PATRICK INDS INC COMMON STOCK 703343103 5 100 SH   DFND 2 100 0 0
PAYCHEX INC COMMON STOCK 704326107 159 3,825 SH   DFND 2 3,825 0 0
PAYCHEX INC COMMON STOCK 704326107 42 1,000 SH   OTR 2 0 1,000 0
PEPSICO INC COMMON STOCK 713448108 2,677 29,963 SH   DFND 2 29,963 0 0
PEPSICO INC COMMON STOCK 713448108 1,541 17,253 SH   OTR 2 0 17,253 0
PFIZER INC COMMON STOCK 717081103 1,606 54,099 SH   DFND 2 54,099 0 0
PFIZER INC COMMON STOCK 717081103 501 16,866 SH   OTR 2 0 16,866 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 883 10,469 SH   DFND 2 10,469 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 17 205 SH   OTR 2 0 205 0
PHILLIPS 66 COMMON STOCK 718546104 348 4,331 SH   DFND 2 4,331 0 0
PHILLIPS 66 COMMON STOCK 718546104 93 1,155 SH   OTR 2 0 1,155 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 29 126 SH   DFND 2 126 0 0
PRECISION CASTPARTS CORP COMMON STOCK 740189105 270 1,070 SH   DFND 2 1,070 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 174 145 SH   DFND 2 145 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,292 29,161 SH   DFND 2 29,161 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 726 9,239 SH   OTR 2 0 9,239 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 907 10,221 SH   DFND 2 10,221 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 71 800 SH   OTR 2 0 800 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 16 400 SH   DFND 2 400 0 0
QUALCOMM INC COMMON STOCK 747525103 1,493 18,851 SH   DFND 2 18,851 0 0
QUALCOMM INC COMMON STOCK 747525103 41 520 SH   OTR 2 0 520 0
RAYTHEON COMPANY COMMON STOCK 755111507 8 90 SH   DFND 2 90 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 16 191 SH   DFND 2 191 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 396 5,725 SH   DFND 2 5,725 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,539 13,050 SH   DFND 2 13,050 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 148 1,255 SH   OTR 2 0 1,255 0
SEMPRA ENERGY COMMON STOCK 816851109 287 2,740 SH   DFND 2 2,740 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 497 2,990 SH   DFND 2 2,990 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 46 275 SH   OTR 2 0 275 0
SOUTHERN COMPANY COMMON STOCK 842587107 230 5,065 SH   DFND 2 5,065 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 70 1,535 SH   OTR 2 0 1,535 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 118 4,375 SH   DFND 2 4,375 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 8 180 SH   DFND 2 180 0 0
STAPLES INC COMMON STOCK 855030102 11 1,000 SH   OTR 2 0 1,000 0
STARBUCKS CORP COMMON STOCK 855244109 1,144 14,790 SH   DFND 2 14,790 0 0
STARBUCKS CORP COMMON STOCK 855244109 128 1,650 SH   OTR 2 0 1,650 0
STRYKER CORPORATION COMMON STOCK 863667101 6 75 SH   DFND 2 75 0 0
STRYKER CORPORATION COMMON STOCK 863667101 34 400 SH   OTR 2 0 400 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 6 135 SH   DFND 2 135 0 0
SUNCOR ENERGY INC COMMON STOCK 867224107 9 200 SH   DFND 2 200 0 0
TJX COS INC COMMON STOCK 872540109 987 18,570 SH   DFND 2 18,570 0 0
TJX COS INC COMMON STOCK 872540109 94 1,775 SH   OTR 2 0 1,775 0
TESORO CORPORATION COMMON STOCK 881609101 7 125 SH   DFND 2 125 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 47 900 SH   DFND 2 900 0 0
THOMSON CORP COMMON STOCK 884903105 4 100 SH   DFND 2 100 0 0
TIME INC COMMON STOCK 887228104 0 3 SH   DFND 2 3 0 0
TIME INC COMMON STOCK 887228104 4 153 SH   OTR 2 0 153 0
TIME WARNER INC COMMON STOCK 887317303 842 11,979 SH   DFND 2 11,979 0 0
TIME WARNER INC COMMON STOCK 887317303 87 1,240 SH   OTR 2 0 1,240 0
TOLL BROTHERS INC COMMON STOCK 889478103 1 25 SH   DFND 2 25 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 1,141 22,196 SH   DFND 2 22,196 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 107 2,084 SH   OTR 2 0 2,084 0
TRACTOR SUPPLY CO COMMON STOCK 892356106 30 500 SH   OTR 2 0 500 0
US BANCORP NEW COMMON STOCK 902973304 647 14,940 SH   DFND 2 14,940 0 0
US BANCORP NEW COMMON STOCK 902973304 239 5,525 SH   OTR 2 0 5,525 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,048 17,620 SH   DFND 2 17,620 0 0
UNION PAC CORP COMMON STOCK 907818108 1,240 12,430 SH   DFND 2 12,430 0 0
UNION PAC CORP COMMON STOCK 907818108 88 880 SH   OTR 2 0 880 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,173 11,429 SH   DFND 2 11,429 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 159 1,550 SH   OTR 2 0 1,550 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 3 100 SH   DFND 2 100 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,798 15,578 SH   DFND 2 15,578 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,139 9,865 SH   OTR 2 0 9,865 0
V.F. CORP COMMON STOCK 918204108 3 50 SH   DFND 2 50 0 0
VANGUARD TOTAL STOCK MARKET ET OTHER 922908769 69 674 SH   DFND 2 674 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 16 250 SH   DFND 2 250 0 0
WAL MART STORES INC COMMON STOCK 931142103 1,176 15,659 SH   DFND 2 15,659 0 0
WAL MART STORES INC COMMON STOCK 931142103 103 1,375 SH   OTR 2 0 1,375 0
WALGREEN CO COMMON STOCK 931422109 21 280 SH   DFND 2 280 0 0
WASHINGTON PRIME GROUP REIT COMMON STOCK 939647103 3 137 SH   OTR 2 0 137 0
WELLS FARGO & CO COMMON STOCK 949746101 2,795 53,173 SH   DFND 2 53,173 0 0
WELLS FARGO & CO COMMON STOCK 949746101 359 6,825 SH   OTR 2 0 6,825 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 5 150 SH   DFND 2 150 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 98 2,525 SH   DFND 2 2,525 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 61 1,300 SH   DFND 2 1,300 0 0
XILINX INC COMMON STOCK 983919101 244 5,150 SH   DFND 2 5,150 0 0
XILINX INC COMMON STOCK 983919101 26 550 SH   OTR 2 0 550 0
YUM! BRANDS INC COMMON STOCK 988498101 247 3,038 SH   DFND 2 3,038 0 0
YUM! BRANDS INC COMMON STOCK 988498101 26 325 SH   OTR 2 0 325 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 175 2,404 SH   DFND 2 2,404 0 0
TARGET CORP COMMON STOCK 87612E106 287 4,954 SH   DFND 2 4,954 0 0
TARGET CORP COMMON STOCK 87612E106 126 2,175 SH   OTR 2 0 2,175 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 419 4,455 SH   DFND 2 4,455 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 51 545 SH   OTR 2 0 545 0
ADT CORP COMMON STOCK 00101J106 9 250 SH   DFND 2 250 0 0
AT&T INC COMMON STOCK 00206R102 1,579 44,656 SH   DFND 2 44,656 0 0
AT&T INC COMMON STOCK 00206R102 541 15,291 SH   OTR 2 0 15,291 0
ABBVIE INC COMMON STOCK 00287Y109 794 14,072 SH   DFND 2 14,072 0 0
ABBVIE INC COMMON STOCK 00287Y109 151 2,675 SH   OTR 2 0 2,675 0
ACCESS MIDSTREAM PARTNERS LP COMMON STOCK 00434L109 3 42 SH   DFND 2 42 0 0
ADOBE SYS INC COMMON STOCK 00724F101 22 300 SH   DFND 2 300 0 0
ADOBE SYS INC COMMON STOCK 00724F101 4 50 SH   OTR 2 0 50 0
AETNA INC COMMON STOCK 00817Y108 1,061 13,080 SH   DFND 2 13,080 0 0
AETNA INC COMMON STOCK 00817Y108 85 1,050 SH   OTR 2 0 1,050 0
ALLIANZGI NFJ DV INT & PREM ST OTHER 01883A107 21 1,128 SH   DFND 2 1,128 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 16 1,000 SH   DFND 2 1,000 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 446 10,643 SH   DFND 2 10,643 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 13 320 SH   OTR 2 0 320 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 24 265 SH   DFND 2 265 0 0
AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 10 80 SH   DFND 2 80 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 28 1,082 SH   DFND 2 1,082 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 20 767 SH   OTR 2 0 767 0
BIOGEN IDEC INC COMMON STOCK 09062X103 104 330 SH   DFND 2 330 0 0
BIOGEN IDEC INC COMMON STOCK 09062X103 3 10 SH   OTR 2 0 10 0
BLACKROCK INC CL A COMMON STOCK 09247X101 32 100 SH   DFND 2 100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 48 150 SH   OTR 2 0 150 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 20 600 SH   DFND 2 600 0 0
CST BRANDS INC COMMON STOCK 12646R105 1 16 SH   DFND 2 16 0 0
CA INC COMMON STOCK 12673P105 6 200 SH   DFND 2 200 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 16 190 SH   DFND 2 190 0 0
CAPSTONE TURBINE CORP COMMON STOCK 14067D102 1 600 SH   DFND 2 600 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 407 5,930 SH   DFND 2 5,930 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 27 400 SH   OTR 2 0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 337 13,580 SH   DFND 2 13,580 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 143 5,735 SH   OTR 2 0 5,735 0
COMCAST CORP-CL A COMMON STOCK 20030N101 536 9,983 SH   DFND 2 9,983 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 91 1,700 SH   OTR 2 0 1,700 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,690 19,709 SH   DFND 2 19,709 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 140 1,632 SH   OTR 2 0 1,632 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,130 9,810 SH   DFND 2 9,810 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 75 650 SH   OTR 2 0 650 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103 16 200 SH   DFND 2 200 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 912 12,751 SH   DFND 2 12,751 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 161 2,250 SH   OTR 2 0 2,250 0
DUKE ENERGY CORP COMMON STOCK 26441C204 66 884 SH   DFND 2 884 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 53 717 SH   OTR 2 0 717 0
EOG RES INC COMMON STOCK 26875P101 34 295 SH   DFND 2 295 0 0
EQT CORPORATION COMMON STOCK 26884L109 24 226 SH   DFND 2 226 0 0
EATON VANCE T/A GL DVD INCM OTHER 27828S101 74 4,195 SH   DFND 2 4,195 0 0
EXELON CORP COMMON STOCK 30161N101 32 865 SH   DFND 2 865 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 804 11,599 SH   DFND 2 11,599 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 107 1,548 SH   OTR 2 0 1,548 0
EXXONMOBIL CORP COMMON STOCK 30231G102 4,490 44,600 SH   DFND 2 44,600 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,964 19,505 SH   OTR 2 0 19,505 0
FACEBOOK INC-A COMMON STOCK 30303M102 301 4,475 SH   DFND 2 4,475 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 577 3,812 SH   DFND 2 3,812 0 0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK 31620R105 98 3,000 SH   DFND 2 3,000 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 24 600 SH   DFND 2 600 0 0
FREEPORT-MCMORAN COPPER AND GO COMMON STOCK 35671D857 6 160 SH   DFND 2 160 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 30 1,350 SH   DFND 2 1,350 0 0
GABELLI GLOBAL SMALL & MID CAP OTHER 36249W104 1 135 SH   DFND 2 135 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 418 11,520 SH   DFND 2 11,520 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   DFND 2 100 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   OTR 2 0 100 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 713 4,259 SH   DFND 2 4,259 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 1,452 2,483 SH   DFND 2 2,483 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 167 285 SH   OTR 2 0 285 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 1,397 2,428 SH   DFND 2 2,428 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 86 150 SH   OTR 2 0 150 0
CGI GROUP INC COMMON STOCK 39945C109 2 50 SH   DFND 2 50 0 0
HCP INC REIT COMMON STOCK 40414L109 2 50 SH   DFND 2 50 0 0
HATTERAS FINL CORP REIT COMMON STOCK 41902R103 19 950 SH   DFND 2 950 0 0
HESS CORPORATION COMMON STOCK 42809H107 19 195 SH   DFND 2 195 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 6 260 SH   DFND 2 260 0 0
IMATION CORP COMMON STOCK 45245A107 0 120 SH   OTR 2 0 120 0
ISHARES SILVER TRUST OTHER 46428Q109 42 2,084 SH   DFND 2 2,084 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,485 43,136 SH   DFND 2 43,136 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 491 8,518 SH   OTR 2 0 8,518 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 641 26,120 SH   DFND 2 26,120 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 65 2,650 SH   OTR 2 0 2,650 0
KADANT INC COMMON STOCK 48282T104 31 809 SH   DFND 2 809 0 0
KB HOME COM COMMON STOCK 48666K109 542 28,995 SH   DFND 2 28,995 0 0
KB HOME COM COMMON STOCK 48666K109 19 1,000 SH   OTR 2 0 1,000 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 125 1,000 SH   OTR 2 0 1,000 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   DFND 2 120 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 4 100 SH   DFND 2 100 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 475 7,916 SH   DFND 2 7,916 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 46 762 SH   OTR 2 0 762 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 8 100 SH   DFND 2 100 0 0
MARKET VECTORS ETF TRUST OTHER 57060U183 24 250 SH   DFND 2 250 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 37 500 SH   DFND 2 500 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,646 28,452 SH   DFND 2 28,452 0 0
MERCK & CO INC COMMON STOCK 58933Y105 404 6,985 SH   OTR 2 0 6,985 0
METLIFE INC COMMON STOCK 59156R108 736 13,242 SH   DFND 2 13,242 0 0
METLIFE INC COMMON STOCK 59156R108 91 1,640 SH   OTR 2 0 1,640 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 7 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 5 40 SH   DFND 2 40 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 924 9,016 SH   DFND 2 9,016 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 92 895 SH   OTR 2 0 895 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 63 700 SH   DFND 2 700 0 0
NOW INC/DE COMMON STOCK 67011P100 0 3 SH   DFND 2 3 0 0
NOW INC/DE COMMON STOCK 67011P100 11 305 SH   OTR 2 0 305 0
NUVEEN DVD ADVANTAGE MUNI FD OTHER 67066V101 17 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
ORACLE CORPORATION COMMON STOCK 68389X105 1,940 47,864 SH   DFND 2 47,864 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 233 5,740 SH   OTR 2 0 5,740 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 4 30 SH   DFND 2 30 0 0
POWERSHARES WILDERHILL CLEAN E OTHER 73935X500 27 3,950 SH   DFND 2 3,950 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 33 1,250 SH   DFND 2 1,250 0 0
PRAXAIR INC COMMON STOCK 74005P104 755 5,680 SH   DFND 2 5,680 0 0
PRAXAIR INC COMMON STOCK 74005P104 84 635 SH   OTR 2 0 635 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 1,084 12,840 SH   DFND 2 12,840 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 411 4,875 SH   OTR 2 0 4,875 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 38 650 SH   OTR 2 0 650 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 11 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 267 1,365 SH   DFND 2 1,365 0 0
SPDR GOLD TRUST OTHER 78463V107 52 403 SH   DFND 2 403 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 113 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 52 575 SH   DFND 2 575 0 0
SPDR BARCLAYS HIGH YIELD BOND OTHER 78464A417 7,534 180,552 SH   DFND 2 180,552 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 215 2,200 SH   DFND 2 2,200 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 27 420 SH   DFND 2 420 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 95 900 SH   DFND 2 900 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 146 1,250 SH   DFND 2 1,250 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 1,270 4,875 SH   DFND 2 4,875 0 0
SALESFORCE.COM COMMON STOCK 79466L302 657 11,314 SH   DFND 2 11,314 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 103 2,083 SH   DFND 2 2,083 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 21 425 SH   OTR 2 0 425 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 213 3,500 SH   DFND 2 3,500 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 36 600 SH   OTR 2 0 600 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 77 1,735 SH   DFND 2 1,735 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 141 2,115 SH   DFND 2 2,115 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 220 2,197 SH   DFND 2 2,197 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 325 14,302 SH   DFND 2 14,302 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 36 1,600 SH   OTR 2 0 1,600 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 135 2,505 SH   DFND 2 2,505 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 26 475 SH   OTR 2 0 475 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 188 4,905 SH   DFND 2 4,905 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 50 1,300 SH   OTR 2 0 1,300 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 128 2,902 SH   DFND 2 2,902 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 775 9,589 SH   DFND 2 9,589 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 19 325 SH   DFND 2 325 0 0
3M CO COMMON STOCK 88579Y101 1,450 10,120 SH   DFND 2 10,120 0 0
3M CO COMMON STOCK 88579Y101 762 5,320 SH   OTR 2 0 5,320 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 15 100 SH   DFND 2 100 0 0
TRUEBLUE INC COMMON STOCK 89785X101 36 1,300 SH   DFND 2 1,300 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 96 2,720 SH   DFND 2 2,720 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 40 1,200 SH   DFND 2 1,200 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 9 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 502 6,140 SH   DFND 2 6,140 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 21 255 SH   OTR 2 0 255 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 361 7,200 SH   DFND 2 7,200 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,731 35,385 SH   DFND 2 35,385 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 353 7,215 SH   OTR 2 0 7,215 0
VIACOM INC-B COMMON STOCK 92553P201 287 3,311 SH   DFND 2 3,311 0 0
VIACOM INC-B COMMON STOCK 92553P201 170 1,960 SH   OTR 2 0 1,960 0
VISA INC CL A COMMON STOCK 92826C839 1,710 8,115 SH   DFND 2 8,115 0 0
VISA INC CL A COMMON STOCK 92826C839 42 200 SH   OTR 2 0 200 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 34 1,023 SH   DFND 2 1,023 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 4 100 SH   DFND 2 100 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A101 23 2,326 SH   DFND 2 2,326 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 493 4,745 SH   DFND 2 4,745 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 39 375 SH   OTR 2 0 375 0
ACTAVIS PLC COMMON STOCK G0083B108 1,206 5,405 SH   DFND 2 5,405 0 0
ACTAVIS PLC COMMON STOCK G0083B108 103 460 SH   OTR 2 0 460 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 770 9,528 SH   DFND 2 9,528 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 77 950 SH   OTR 2 0 950 0
COVIDIEN PLC COMMON STOCK G2554F113 726 8,055 SH   DFND 2 8,055 0 0
COVIDIEN PLC COMMON STOCK G2554F113 36 400 SH   OTR 2 0 400 0
EATON CORP PLC COMMON STOCK G29183103 383 4,965 SH   DFND 2 4,965 0 0
EATON CORP PLC COMMON STOCK G29183103 96 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 4 71 SH   DFND 2 71 0 0
NOBLE CORPORATION PLC COMMON STOCK G65431101 108 3,215 SH   DFND 2 3,215 0 0
TRANSOCEAN LTD COMMON STOCK H8817H100 23 500 SH   OTR 2 0 500 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 43 640 SH   DFND 2 640 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 27 400 SH   OTR 2 0 400 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 7 200 SH   DFND 2 200 0 0
ABBOTT LABS COMMON STOCK 002824100 8 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 20 500 SH   SOLE   500 0 0
ABBVIE INC COMMON STOCK 00287Y109 11 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 24 425 SH   SOLE   425 0 0
AETNA INC COMMON STOCK 00817Y108 37 455 SH   SOLE   455 0 0
AFLAC INC COMMON STOCK 001055102 12 194 SH   SOLE   194 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 6 50 SH   SOLE   50 0 0
ALTERA CORP COMMON STOCK 021441100 3 100 SH   SOLE   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 26 629 SH   SOLE   629 0 0
AMAZON.COM INC COMMON STOCK 023135106 113 349 SH   SOLE   349 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 28 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 201 2,120 SH   SOLE   2,120 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 46 850 SH   SOLE   850 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 36 400 SH   SOLE   400 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 9 125 SH   SOLE   125 0 0
AMGEN INC COMMON STOCK 031162100 18 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 98 825 SH   SOLE   825 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 4 35 SH   SOLE   35 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 9 175 SH   OTR   0 175 0
ANALOG DEVICES INC COMMON STOCK 032654105 42 770 SH   SOLE   770 0 0
APACHE CORP COMMON STOCK 037411105 50 500 SH   SOLE   500 0 0
APOLLO GLOBAL MANAGEMENT LLC COMMON STOCK 037612306 7 239 SH   SOLE   239 0 0
APPLE INC COMMON STOCK 037833100 10 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 354 3,808 SH   SOLE   3,808 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 5 225 SH   SOLE   225 0 0
AT&T INC COMMON STOCK 00206R102 25 700 SH   OTR   0 700 0
AT&T INC COMMON STOCK 00206R102 94 2,668 SH   SOLE   2,668 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 37 468 SH   SOLE   468 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 43 2,825 SH   SOLE   2,825 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 70 1,870 SH   SOLE   1,870 0 0
BB&T CORPORATION COMMON STOCK 054937107 7 174 SH   SOLE   174 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 156 1,234 SH   SOLE   1,234 0 0
BOEING CO COMMON STOCK 097023105 24 190 SH   SOLE   190 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 12 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 104 2,150 SH   SOLE   2,150 0 0
BROADCOM CORP COMMON STOCK 111320107 6 160 SH   SOLE   160 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 5 100 SH   SOLE   100 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 15 225 SH   SOLE   225 0 0
CATERPILLAR INC COMMON STOCK 149123101 118 1,089 SH   SOLE   1,089 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 76 1,220 SH   SOLE   1,220 0 0
CELGENE CORP COMMON STOCK 151020104 120 1,400 SH   SOLE   1,400 0 0
CERNER CORP COMMON STOCK 156782104 17 325 SH   SOLE   325 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 63 1,348 SH   SOLE   1,348 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 31 240 SH   OTR   0 240 0
CHEVRON CORPORATION COMMON STOCK 166764100 245 1,877 SH   SOLE   1,877 0 0
CHUBB CORP COMMON STOCK 171232101 3 34 SH   SOLE   34 0 0
CIENA CORP COMMON STOCK 171779309 4 200 SH   SOLE   200 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 10 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 8 310 SH   SOLE   310 0 0
CITIGROUP INC COMMON STOCK 172967424 73 1,549 SH   SOLE   1,549 0 0
CITRIX SYSTEMS INC COMMON STOCK 177376100 2 25 SH   SOLE   25 0 0
COCA COLA CO COMMON STOCK 191216100 126 2,975 SH   SOLE   2,975 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 10 200 SH   SOLE   200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 14 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 136 1,990 SH   SOLE   1,990 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 18 329 SH   SOLE   329 0 0
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DISNEY WALT CO NEW COMMON STOCK 254687106 176 2,050 SH   SOLE   2,050 0 0
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DOMINION RESOURCES INC COMMON STOCK 25746U109 41 575 SH   SOLE   575 0 0
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DOW CHEMICAL COMPANY COMMON STOCK 260543103 12 228 SH   SOLE   228 0 0
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EMC CORP MASS COMMON STOCK 268648102 22 850 SH   SOLE   850 0 0
EMERSON ELEC CO COMMON STOCK 291011104 57 860 SH   SOLE   860 0 0
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FACEBOOK INC-A COMMON STOCK 30303M102 34 500 SH   SOLE   500 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 105 695 SH   SOLE   695 0 0
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HALLIBURTON CO COMMON STOCK 406216101 82 1,155 SH   SOLE   1,155 0 0
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3M CO COMMON STOCK 88579Y101 107 750 SH   SOLE   750 0 0
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AMGEN INC COMMON STOCK 031162100 1,776 15,000 SH   DFND 3 15,000 0 0
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CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 1,481 2,500 SH   DFND 3 2,500 0 0
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CORNING INC COMMON STOCK 219350105 2,305 105,000 SH   DFND 3 105,000 0 0
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DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 294 4,500 SH   DFND 3 4,500 0 0
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EBAY INC COMMON STOCK 278642103 1,001 20,000 SH   DFND 3 20,000 0 0
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FEDEX CORPORATION COMMON STOCK 31428X106 1,211 8,000 SH   DFND 3 8,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 517 30,000 SH   DFND 3 30,000 0 0
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GAP INC COMMON STOCK 364760108 831 20,000 SH   DFND 3 20,000 0 0
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GILEAD SCIENCES INC COMMON STOCK 375558103 1,036 12,500 SH   DFND 3 12,500 0 0
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GOOGLE INC CLASS C COMMON STOCK 38259P706 2,301 4,000 SH   DFND 3 4,000 0 0
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HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,394 15,000 SH   DFND 3 15,000 0 0
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JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,268 22,000 SH   DFND 3 22,000 0 0
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KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 629 10,500 SH   DFND 3 10,500 0 0
MARATHON OIL CORP COMMON STOCK 565849106 599 15,000 SH   DFND 3 15,000 0 0
MASCO CORP COMMON STOCK 574599106 1,221 55,000 SH   DFND 3 55,000 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,036 17,900 SH   DFND 3 17,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 995 23,870 SH   DFND 3 23,870 0 0
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MYLAN INC COMMON STOCK 628530107 1,547 30,000 SH   DFND 3 30,000 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 1,194 14,500 SH   DFND 3 14,500 0 0
NEWMONT MNG CORP COMMON STOCK 651639106 254 10,000 SH   DFND 3 10,000 0 0
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PARKER HANNIFIN CORP COMMON STOCK 701094104 629 5,000 SH   DFND 3 5,000 0 0
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QUALCOMM INC COMMON STOCK 747525103 1,445 18,250 SH   DFND 3 18,250 0 0
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SEMPRA ENERGY COMMON STOCK 816851109 524 5,000 SH   DFND 3 5,000 0 0
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VISA INC CL A COMMON STOCK 92826C839 3,690 17,510 SH   DFND 3 17,510 0 0
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WELLS FARGO & CO COMMON STOCK 949746101 1,577 30,000 SH   DFND 3 30,000 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 657 17,000 SH   DFND 3 17,000 0 0
WILLIAMS-SONOMA INC COMMON STOCK 969904101 718 10,000 SH   DFND 3 10,000 0 0
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