0000717538-15-000008.txt : 20150122 0000717538-15-000008.hdr.sgml : 20150122 20150122124105 ACCESSION NUMBER: 0000717538-15-000008 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20141231 FILED AS OF DATE: 20150122 DATE AS OF CHANGE: 20150122 EFFECTIVENESS DATE: 20150122 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ARROW FINANCIAL CORP CENTRAL INDEX KEY: 0000717538 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222448962 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 15541021 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5184154299 MAIL ADDRESS: STREET 1: 250 GLEN STREET CITY: GLENS FALLS STATE: NY ZIP: 12801 FORMER COMPANY: FORMER CONFORMED NAME: ARROW BANK CORP DATE OF NAME CHANGE: 19900710 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 12-31-2014 12-31-2014 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 N Terry R Goodemote 518-415-4512 Terry R Goodemote Glens Falls NY 01-22-2015 2 748 366731 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 a13-fhrarrowdec2014informa.xml INFORMATION TABLE AFLAC INC COMMON STOCK 001055102 33 540 SH DFND 2 540 0 0 ABBOTT LABS COMMON STOCK 002824100 650 14432 SH DFND 2 14432 0 0 ABBOTT LABS COMMON STOCK 002824100 98 2175 SH OTR 2 0 2175 0 AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 85 400 SH DFND 2 400 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 12 80 SH DFND 2 80 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 72 500 SH OTR 2 0 500 0 ALCOA INC COMMON STOCK 013817101 3 200 SH DFND 2 200 0 0 ALLIANT CORP COMMON STOCK 018802108 278 4180 SH DFND 2 4180 0 0 AMAZON.COM INC COMMON STOCK 023135106 1334 4298 SH DFND 2 4298 0 0 AMAZON.COM INC COMMON STOCK 023135106 70 225 SH OTR 2 0 225 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 62 1020 SH DFND 2 1020 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 2364 25408 SH DFND 2 25408 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 452 4855 SH OTR 2 0 4855 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 628 11215 SH DFND 2 11215 0 0 AMGEN INC COMMON STOCK 031162100 1395 8756 SH DFND 2 8756 0 0 AMGEN INC COMMON STOCK 031162100 108 675 SH OTR 2 0 675 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 35 430 SH DFND 2 430 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 123 2215 SH DFND 2 2215 0 0 APACHE CORP COMMON STOCK 037411105 691 11028 SH DFND 2 11028 0 0 APACHE CORP COMMON STOCK 037411105 16 250 SH OTR 2 0 250 0 APPLE INC COMMON STOCK 037833100 5551 50287 SH DFND 2 50287 0 0 APPLE INC COMMON STOCK 037833100 529 4790 SH OTR 2 0 4790 0 APPLIED MATERIALS INC COMMON STOCK 038222105 294 11780 SH DFND 2 11780 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 95 SH DFND 2 95 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 36926 1343240 SH DFND 2 1343240 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 586 21327 SH OTR 2 0 21327 0 ARTESIAN RESOURCES CORP-CL A COMMON STOCK 043113208 5 200 SH DFND 2 200 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 217 2605 SH DFND 2 2605 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 436 5235 SH OTR 2 0 5235 0 AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH DFND 2 30 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 88 2300 SH DFND 2 2300 0 0 BADGER METER INC COMMON STOCK 056525108 36 600 SH DFND 2 600 0 0 BAKER HUGHES INC COMMON STOCK 057224107 485 8643 SH DFND 2 8643 0 0 BAKER HUGHES INC COMMON STOCK 057224107 11 200 SH OTR 2 0 200 0 BANK OF AMERICA CORP COMMON STOCK 060505104 896 50090 SH DFND 2 50090 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 43 2389 SH OTR 2 0 2389 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 508 12523 SH DFND 2 12523 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 60 1475 SH OTR 2 0 1475 0 BARD CR INC COMMON STOCK 067383109 20 120 SH DFND 2 120 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 1 100 SH DFND 2 100 0 0 BAXTER INTL INC COMMON STOCK 071813109 119 1625 SH DFND 2 1625 0 0 BAXTER INTL INC COMMON STOCK 071813109 173 2363 SH OTR 2 0 2363 0 BECTON DICKINSON COMMON STOCK 075887109 15 111 SH DFND 2 111 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2672 17793 SH DFND 2 17793 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 269 1790 SH OTR 2 0 1790 0 BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH DFND 2 12 0 0 BOEING CO COMMON STOCK 097023105 517 3975 SH DFND 2 3975 0 0 BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 4 265 SH DFND 2 265 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1866 31610 SH DFND 2 31610 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 214 3625 SH OTR 2 0 3625 0 BROADCOM CORP COMMON STOCK 111320107 13 300 SH DFND 2 300 0 0 BUCKEYE PARTNERS LP COMMON STOCK 118230101 11 145 SH DFND 2 145 0 0 BUCKEYE PARTNERS LP COMMON STOCK 118230101 38 500 SH OTR 2 0 500 0 BUFFALO WILD WINGS INC COMMON STOCK 119848109 27 150 SH DFND 2 150 0 0 CBS CORPORATION CLASS B COMMON STOCK 124857202 49 885 SH DFND 2 885 0 0 CBS CORPORATION CLASS B COMMON STOCK 124857202 4 65 SH OTR 2 0 65 0 CSX CORP COMMON STOCK 126408103 6 174 SH DFND 2 174 0 0 CVS HEALTH CORP COMMON STOCK 126650100 1629 16910 SH DFND 2 16910 0 0 CVS HEALTH CORP COMMON STOCK 126650100 130 1350 SH OTR 2 0 1350 0 CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 9 125 SH DFND 2 125 0 0 CARNIVAL CORP COMMON STOCK 143658300 54 1200 SH DFND 2 1200 0 0 CATERPILLAR INC COMMON STOCK 149123101 810 8851 SH DFND 2 8851 0 0 CATERPILLAR INC COMMON STOCK 149123101 103 1125 SH OTR 2 0 1125 0 CELGENE CORP COMMON STOCK 151020104 1580 14122 SH DFND 2 14122 0 0 CELGENE CORP COMMON STOCK 151020104 168 1500 SH OTR 2 0 1500 0 CENTURYLINK INC COMMON STOCK 156700106 12 300 SH DFND 2 300 0 0 CERNER CORP COMMON STOCK 156782104 825 12758 SH DFND 2 12758 0 0 CERNER CORP COMMON STOCK 156782104 45 700 SH OTR 2 0 700 0 CHEESECAKE FACTORY INC COMMON STOCK 163072101 306 6086 SH DFND 2 6086 0 0 CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH OTR 2 0 100 0 CHEMUNG FINL CRP COMMON STOCK 164024101 11 400 SH DFND 2 400 0 0 CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 22 450 SH DFND 2 450 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 2939 26196 SH DFND 2 26196 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 678 6045 SH OTR 2 0 6045 0 CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 830 1213 SH DFND 2 1213 0 0 CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 38 55 SH OTR 2 0 55 0 CHUBB CORP COMMON STOCK 171232101 10 100 SH DFND 2 100 0 0 CHURCH & DWIGHT INC COMMON STOCK 171340102 8 100 SH DFND 2 100 0 0 CITIGROUP INC COMMON STOCK 172967424 1092 20178 SH DFND 2 20178 0 0 CITIGROUP INC COMMON STOCK 172967424 47 866 SH OTR 2 0 866 0 CLARCOR INC COMMON STOCK 179895107 7 111 SH DFND 2 111 0 0 CLOROX COMPANY COMMON STOCK 189054109 39 370 SH DFND 2 370 0 0 CLOROX COMPANY COMMON STOCK 189054109 21 200 SH OTR 2 0 200 0 COACH INC COMMON STOCK 189754104 2 50 SH DFND 2 50 0 0 COCA COLA CO COMMON STOCK 191216100 1395 33042 SH DFND 2 33042 0 0 COCA COLA CO COMMON STOCK 191216100 56 1320 SH OTR 2 0 1320 0 COGNIZANT TECHNOLOGY SOLUTIONS 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2 22842 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 599 6362 SH OTR 2 0 6362 0 DOLLAR TREE INC COMMON STOCK 256746108 565 8030 SH DFND 2 8030 0 0 DONALDSON INC COMMON STOCK 257651109 8 210 SH DFND 2 210 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 1100 24114 SH DFND 2 24114 0 0 DOW CHEMICAL COMPANY COMMON STOCK 260543103 65 1435 SH OTR 2 0 1435 0 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1285 17385 SH DFND 2 17385 0 0 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 260 3520 SH OTR 2 0 3520 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 21 500 SH OTR 2 0 500 0 EMC CORP MASS COMMON STOCK 268648102 505 16995 SH DFND 2 16995 0 0 EMC CORP MASS COMMON STOCK 268648102 39 1325 SH OTR 2 0 1325 0 EBAY INC COMMON STOCK 278642103 1125 20055 SH DFND 2 20055 0 0 EBAY INC COMMON STOCK 278642103 3 50 SH OTR 2 0 50 0 ECOLAB INC COMMON STOCK 278865100 410 3925 SH DFND 2 3925 0 0 ECOLAB INC COMMON STOCK 278865100 141 1350 SH OTR 2 0 1350 0 EDISON INTERNATIONAL COMMON STOCK 281020107 10 150 SH DFND 2 150 0 0 ELECTRONIC ARTS INC COMMON STOCK 285512109 1 20 SH DFND 2 20 0 0 EMERSON ELEC CO COMMON STOCK 291011104 490 7944 SH DFND 2 7944 0 0 EMERSON ELEC CO COMMON STOCK 291011104 304 4925 SH OTR 2 0 4925 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 11 300 SH DFND 2 300 0 0 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 14 310 SH DFND 2 310 0 0 FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 8 60 SH DFND 2 60 0 0 FASTENAL CO COMMON STOCK 311900104 9 190 SH DFND 2 190 0 0 F5 NETWORKS INC COMMON STOCK 315616102 28 215 SH DFND 2 215 0 0 FISERV INC COMMON STOCK 337738108 206 2900 SH DFND 2 2900 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 33 851 SH DFND 2 851 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 1027 66264 SH DFND 2 66264 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 94 6090 SH OTR 2 0 6090 0 FRANKLIN RESOURCES INC COMMON STOCK 354613101 696 12572 SH DFND 2 12572 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 346 2512 SH DFND 2 2512 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 35 253 SH OTR 2 0 253 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 3171 125480 SH DFND 2 125480 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 1116 44182 SH OTR 2 0 44182 0 GENERAL MLS INC COMMON STOCK 370334104 1375 25791 SH DFND 2 25791 0 0 GENERAL MLS INC COMMON STOCK 370334104 95 1775 SH OTR 2 0 1775 0 GENUINE PARTS CO COMMON STOCK 372460105 33 310 SH DFND 2 310 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 1599 16960 SH DFND 2 16960 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 153 1625 SH OTR 2 0 1625 0 GRAINGER W W INC COMMON STOCK 384802104 31 120 SH DFND 2 120 0 0 GRUMA S.A.B. DE C.V. ADR COMMON STOCK 400131306 54 1300 SH DFND 2 1300 0 0 HALLIBURTON CO COMMON STOCK 406216101 641 16291 SH DFND 2 16291 0 0 HALLIBURTON CO COMMON STOCK 406216101 57 1450 SH OTR 2 0 1450 0 HARLEY DAVIDSON INC COMMON STOCK 412822108 80 1207 SH OTR 2 0 1207 0 HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 6 150 SH DFND 2 150 0 0 HELMERICH & PAYNE INC COMMON STOCK 423452101 149 2205 SH DFND 2 2205 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 7 120 SH DFND 2 120 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 999 9610 SH DFND 2 9610 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 26 250 SH OTR 2 0 250 0 HEWLETT PACKARD CO COMMON STOCK 428236103 14 350 SH DFND 2 350 0 0 HEWLETT PACKARD CO COMMON STOCK 428236103 375 9348 SH OTR 2 0 9348 0 HEXCEL CORP COMMON STOCK 428291108 32 775 SH DFND 2 775 0 0 HOME DEPOT INC COMMON STOCK 437076102 2101 20012 SH DFND 2 20012 0 0 HOME DEPOT INC COMMON STOCK 437076102 243 2315 SH OTR 2 0 2315 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1318 13190 SH DFND 2 13190 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 159 1595 SH OTR 2 0 1595 0 HORMEL FOODS CORPORATION COMMON STOCK 440452100 6 120 SH DFND 2 120 0 0 HOSPIRA INC COMMON STOCK 441060100 16 260 SH DFND 2 260 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 54 570 SH DFND 2 570 0 0 INTEL CORP COMMON STOCK 458140100 2905 80056 SH DFND 2 80056 0 0 INTEL CORP COMMON STOCK 458140100 421 11605 SH OTR 2 0 11605 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 3146 19606 SH DFND 2 19606 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1410 8786 SH OTR 2 0 8786 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 695 6858 SH DFND 2 6858 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 21 210 SH OTR 2 0 210 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 355 6625 SH DFND 2 6625 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 27 500 SH OTR 2 0 500 0 ISHARES GOLD TRUST OTHER 464285105 1 100 SH DFND 2 100 0 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 4357 39563 SH DFND 2 39563 0 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 100 905 SH OTR 2 0 905 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 144 1700 SH DFND 2 1700 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 76 1250 SH DFND 2 1250 0 0 ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 13 87 SH DFND 2 87 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 45 375 SH DFND 2 375 0 0 ISHARES S&P SMALLCAP 600 OTHER 464287804 161 1411 SH DFND 2 1411 0 0 ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 2908 26090 SH DFND 2 26090 0 0 ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 358 3400 SH DFND 2 3400 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 1120 28393 SH DFND 2 28393 0 0 ISHARES S&P PREF STK ETF OTHER 464288687 110 2800 SH OTR 2 0 2800 0 ISHARES DJ US REGIONAL BANKS E OTHER 464288778 26 735 SH DFND 2 735 0 0 ISHARES MSCI EAFE VALUE ETF OTHER 464288877 26 500 SH DFND 2 500 0 0 JABIL CIRCUIT INC COMMON STOCK 466313103 20 900 SH DFND 2 900 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 113 2533 SH DFND 2 2533 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 37 823 SH OTR 2 0 823 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3513 33594 SH DFND 2 33594 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 2085 19943 SH OTR 2 0 19943 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 75 1550 SH DFND 2 1550 0 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 5 100 SH OTR 2 0 100 0 KELLOGG CO COMMON STOCK 487836108 67 1025 SH DFND 2 1025 0 0 KELLOGG CO COMMON STOCK 487836108 167 2555 SH OTR 2 0 2555 0 KEYCORP COMMON STOCK 493267108 51 3634 SH DFND 2 3634 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 61 530 SH DFND 2 530 0 0 L BRANDS, INC COMMON STOCK 501797104 41 475 SH DFND 2 475 0 0 LILLY ELI & CO COMMON STOCK 532457108 272 3940 SH DFND 2 3940 0 0 LILLY ELI & CO COMMON STOCK 532457108 166 2400 SH OTR 2 0 2400 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 116 600 SH DFND 2 600 0 0 LOWES COS INC COMMON STOCK 548661107 692 10063 SH DFND 2 10063 0 0 LOWES COS INC COMMON STOCK 548661107 237 3450 SH OTR 2 0 3450 0 MARATHON OIL CORP COMMON STOCK 565849106 73 2590 SH DFND 2 2590 0 0 MARATHON OIL CORP COMMON STOCK 565849106 7 260 SH OTR 2 0 260 0 MASCO CORP COMMON STOCK 574599106 630 25010 SH DFND 2 25010 0 0 MASCO CORP COMMON STOCK 574599106 13 510 SH OTR 2 0 510 0 MCCORMICK & CO INC COMMON STOCK 579780206 7 100 SH DFND 2 100 0 0 MCDONALDS CORP COMMON STOCK 580135101 1226 13083 SH DFND 2 13083 0 0 MCDONALDS CORP COMMON STOCK 580135101 482 5145 SH OTR 2 0 5145 0 MEADWESTVACO CORP COMMON STOCK 583334107 5 112 SH DFND 2 112 0 0 MEDTRONIC INC COMMON STOCK 585055106 468 6480 SH DFND 2 6480 0 0 MEDTRONIC INC COMMON STOCK 585055106 162 2250 SH OTR 2 0 2250 0 MERCHANTS BANCSHARES INC COMMON STOCK 588448100 3 100 SH DFND 2 100 0 0 MERIDIAN BIOSCIENCE INC COMMON STOCK 589584101 2 100 SH DFND 2 100 0 0 MICROSOFT CORP COMMON STOCK 594918104 3059 65846 SH DFND 2 65846 0 0 MICROSOFT CORP COMMON STOCK 594918104 693 14927 SH OTR 2 0 14927 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 84 2315 SH DFND 2 2315 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 330 SH OTR 2 0 330 0 MORGAN STANLEY COMMON STOCK 617446448 1756 45270 SH DFND 2 45270 0 0 MORGAN STANLEY COMMON STOCK 617446448 68 1740 SH OTR 2 0 1740 0 MYLAN INC COMMON STOCK 628530107 246 4360 SH DFND 2 4360 0 0 MYLAN INC COMMON STOCK 628530107 34 600 SH OTR 2 0 600 0 NBT BANCORP INC COM COMMON STOCK 628778102 20 765 SH DFND 2 765 0 0 NATIONAL-OILWELL INC COMMON STOCK 637071101 243 3710 SH DFND 2 3710 0 0 NATIONAL-OILWELL INC COMMON STOCK 637071101 67 1025 SH OTR 2 0 1025 0 NEWELL RUBBERMAID INC COMMON STOCK 651229106 8 200 SH DFND 2 200 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 249 2593 SH DFND 2 2593 0 0 NOBLE ENERGY INC COMMON STOCK 655044105 36 765 SH DFND 2 765 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 138 1255 SH DFND 2 1255 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 86 785 SH OTR 2 0 785 0 NORTHEAST UTILITIES COMMON STOCK 664397106 11 200 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 7 50 SH DFND 2 50 0 0 NUCOR CORP COMMON STOCK 670346105 79 1610 SH DFND 2 1610 0 0 NUCOR CORP COMMON STOCK 670346105 19 395 SH OTR 2 0 395 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 552 6850 SH DFND 2 6850 0 0 OCEANEERING INTL INC COMMON STOCK 675232102 18 300 SH DFND 2 300 0 0 OLIN CORP COMMON STOCK 680665205 7 300 SH DFND 2 300 0 0 PPG INDUSTRIES INC COMMON STOCK 693506107 139 600 SH DFND 2 600 0 0 PPG INDUSTRIES INC COMMON STOCK 693506107 29 125 SH OTR 2 0 125 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 57 725 SH OTR 2 0 725 0 PARKER HANNIFIN CORP COMMON STOCK 701094104 26 200 SH DFND 2 200 0 0 PATRICK INDS INC COMMON STOCK 703343103 4 100 SH DFND 2 100 0 0 PAYCHEX INC COMMON STOCK 704326107 188 4075 SH DFND 2 4075 0 0 PAYCHEX INC COMMON STOCK 704326107 46 1000 SH OTR 2 0 1000 0 PEPSICO INC COMMON STOCK 713448108 2804 29655 SH DFND 2 29655 0 0 PEPSICO INC COMMON STOCK 713448108 1546 16351 SH OTR 2 0 16351 0 PFIZER INC COMMON STOCK 717081103 1932 62017 SH DFND 2 62017 0 0 PFIZER INC COMMON STOCK 717081103 525 16864 SH OTR 2 0 16864 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 797 9781 SH DFND 2 9781 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 17 203 SH OTR 2 0 203 0 PHILLIPS 66 COMMON STOCK 718546104 77 1075 SH DFND 2 1075 0 0 PHILLIPS 66 COMMON STOCK 718546104 12 170 SH OTR 2 0 170 0 PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 10 250 SH DFND 2 250 0 0 PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 19 126 SH DFND 2 126 0 0 PLUM CREEK TIMBER CO INC REIT COMMON STOCK 729251108 2 50 SH DFND 2 50 0 0 PRECISION CASTPARTS CORP COMMON STOCK 740189105 54 225 SH DFND 2 225 0 0 PRICELINE GROUP INC COMMON STOCK 741503403 448 393 SH DFND 2 393 0 0 PRICELINE GROUP INC COMMON STOCK 741503403 22 19 SH OTR 2 0 19 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2806 30805 SH DFND 2 30805 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 827 9084 SH OTR 2 0 9084 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 780 8626 SH DFND 2 8626 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 63 700 SH OTR 2 0 700 0 PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 17 400 SH DFND 2 400 0 0 QUALCOMM INC COMMON STOCK 747525103 1375 18504 SH DFND 2 18504 0 0 QUALCOMM INC COMMON STOCK 747525103 52 700 SH OTR 2 0 700 0 RAYTHEON COMPANY COMMON STOCK 755111507 18 165 SH DFND 2 165 0 0 ROPER INDS INC COMMON STOCK 776696106 17 111 SH DFND 2 111 0 0 ROSS STORES INC COMMON 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CORP COMMON STOCK 918204108 31 410 SH SOLE 410 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 36 725 SH SOLE 725 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 112 2389 SH SOLE 2389 0 0 VIACOM INC-B COMMON STOCK 92553P201 6 85 SH SOLE 85 0 0 VISA INC CL A COMMON STOCK 92826C839 232 885 SH SOLE 885 0 0 WAL MART STORES INC COMMON STOCK 931142103 103 1205 SH SOLE 1205 0 0 WELLS FARGO & CO COMMON STOCK 949746101 33 600 SH OTR 0 600 0 WELLS FARGO & CO COMMON STOCK 949746101 243 4430 SH SOLE 4430 0 0 YAHOO INC COMMON STOCK 984332106 5 100 SH SOLE 100 0 0 ZIMMER HLDGS INC COMMON STOCK 98956P102 20 175 SH SOLE 175 0 0 3M CO COMMON STOCK 88579Y101 123 750 SH SOLE 750 0 0 AMBEV SA SPONS ADR COMMON STOCK 02319V103 6 1000 SH SOLE 1000 0 0 TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 12 200 SH SOLE 200 0 0 CHAMBERS STREET PROPERTIES REI COMMON STOCK 157842105 57 7066 SH OTR 0 7066 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 485 17628 SH SOLE 17628 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 114 1275 SH SOLE 1275 0 0 ACTAVIS PLC COMMON STOCK G0083B108 58 224 SH SOLE 224 0 0 COVIDIEN PLC COMMON STOCK G2554F113 47 459 SH SOLE 459 0 0 INGERSOLL-RAND PLC COMMON STOCK G47791101 8 124 SH SOLE 124 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 169 1980 SH SOLE 1980 0 0 SANOFI CONTINGENT VALUE RTS 12 OTHER 80105N113 0 45 SH SOLE 45 0 0 FT/FID ASSET MGMT COV CALL OTHER 337318109 38 2666 SH OTR 0 2666 0 MATERIALS SELECT SPDR FUND OTHER 81369Y100 5 100 SH SOLE 100 0 0 SPDR GOLD TRUST OTHER 78463V107 9 80 SH SOLE 80 0 0 UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 4 75 SH SOLE 75 0 0 FIRST TRUST INTERMEDIATE DUR OTHER 33718W103 37 1625 SH OTR 1625 0 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 142 1293 SH SOLE 1293 0 0 ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 1115 10000 SH SOLE 10000 0 0