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 101 2,175 SH   OTR 2 2,175 0 0
ABBOTT LABS COMMON STOCK 002824100 593 12,798 SH   SOLE 2 12,798 0 0
ABBVIE INC COMMON STOCK 00287Y109 123 2,100 SH   OTR 2 2,100 0 0
ABBVIE INC COMMON STOCK 00287Y109 673 11,502 SH   SOLE 2 11,502 0 0
ADOBE SYS INC COMMON STOCK 00724F101 21 280 SH   SOLE 2 280 0 0
AETNA INC COMMON STOCK 00817Y108 1,047 9,824 SH   SOLE 2 9,824 0 0
AFLAC INC COMMON STOCK 001055102 11 175 SH   SOLE 2 175 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 915810600 76 500 SH   OTR 2 500 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 12 80 SH   SOLE 2 80 0 0
ALBEMARLE CORP COMMON STOCK 012653101 9 167 SH   SOLE 2 167 0 0
ALCOA INC COMMON STOCK 013817101 3 200 SH   SOLE 2 200 0 0
ALLIANCE DATA SYSTEMS CORP COMMON STOCK 018581108 2 7 SH   SOLE 2 7 0 0
ALLIANT CORP COMMON STOCK 018802108 246 3,900 SH   SOLE 2 3,900 0 0
ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 19 1,629 SH   SOLE 2 1,629 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 16 318 SH   OTR 2 318 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 457 9,127 SH   SOLE 2 9,127 0 0
AMAZON.COM INC COMMON STOCK 023135106 97 260 SH   OTR 2 260 0 0
AMAZON.COM INC COMMON STOCK 023135106 1,586 4,262 SH   SOLE 2 4,262 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 57 1,020 SH   SOLE 2 1,020 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 379 4,855 SH   OTR 2 4,855 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1,874 23,993 SH   SOLE 2 23,993 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 786 14,344 SH   SOLE 2 14,344 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 10 108 SH   SOLE 2 108 0 0
AMERIPRISE FINANCIAL INC. COMMON STOCK 03076C106 10 80 SH   SOLE 2 80 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E108 42 370 SH   SOLE 2 370 0 0
AMETEK INC COMMON STOCK 031100100 3 66 SH   SOLE 2 66 0 0
AMGEN INC COMMON STOCK 031162100 108 675 SH   OTR 2 675 0 0
AMGEN INC COMMON STOCK 031162100 1,733 10,843 SH   SOLE 2 10,843 0 0
ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 36 430 SH   SOLE 2 430 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 64 1,020 SH   SOLE 2 1,020 0 0
ANTHEM INC COMMON STOCK 036752103 3 19 SH   SOLE 2 19 0 0
APACHE CORP COMMON STOCK 037411105 15 250 SH   OTR 2 250 0 0
APACHE CORP COMMON STOCK 037411105 629 10,424 SH   SOLE 2 10,424 0 0
APPLE INC COMMON STOCK 037833100 596 4,790 SH   OTR 2 4,790 0 0
APPLE INC COMMON STOCK 037833100 5,984 48,094 SH   SOLE 2 48,094 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 173 7,660 SH   SOLE 2 7,660 0 0
AQUA AMERICA INC COMMON STOCK 03836W103 45 1,707 SH   SOLE 2 1,707 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 95 SH   SOLE 2 95 0 0
ARTESIAN RESOURCES CORP-CL A COMMON STOCK 043113208 4 200 SH   SOLE 2 200 0 0
AT&T INC COMMON STOCK 00206R102 489 14,986 SH   OTR 2 14,986 0 0
AT&T INC COMMON STOCK 00206R102 1,181 36,165 SH   SOLE 2 36,165 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 448 5,235 SH   OTR 2 5,235 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 215 2,515 SH   SOLE 2 2,515 0 0
AVISTA CORP COMMON STOCK 05379B107 3 100 SH   SOLE 2 100 0 0
BAKER HUGHES INC COMMON STOCK 057224107 16 255 SH   OTR 2 255 0 0
BAKER HUGHES INC COMMON STOCK 057224107 733 11,527 SH   SOLE 2 11,527 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 37 2,389 SH   OTR 2 2,389 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,028 66,812 SH   SOLE 2 66,812 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 59 1,475 SH   OTR 2 1,475 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 378 9,403 SH   SOLE 2 9,403 0 0
BARD CR INC COMMON STOCK 067383109 20 120 SH   SOLE 2 120 0 0
BAXTER INTL INC COMMON STOCK 071813109 162 2,363 SH   OTR 2 2,363 0 0
BAXTER INTL INC COMMON STOCK 071813109 84 1,225 SH   SOLE 2 1,225 0 0
BECTON DICKINSON COMMON STOCK 075887109 50 350 SH   OTR 2 350 0 0
BECTON DICKINSON COMMON STOCK 075887109 16 111 SH   SOLE 2 111 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 266 1,845 SH   OTR 2 1,845 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,739 18,981 SH   SOLE 2 18,981 0 0
BIOGEN INC COMMON STOCK 09062X103 68 160 SH   OTR 2 160 0 0
BIOGEN INC COMMON STOCK 09062X103 1,296 3,069 SH   SOLE 2 3,069 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 37 100 SH   SOLE 2 100 0 0
BLACKSTONE GROUP LP COMMON STOCK 09253U108 23 600 SH   SOLE 2 600 0 0
BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH   SOLE 2 12 0 0
BOEING CO COMMON STOCK 097023105 487 3,245 SH   SOLE 2 3,245 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 5 265 SH   SOLE 2 265 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 234 3,625 SH   OTR 2 3,625 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,060 31,942 SH   SOLE 2 31,942 0 0
BROCADE COMMUNICATIONS SYS INC COMMON STOCK 111621306 4 306 SH   SOLE 2 306 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 38 500 SH   OTR 2 500 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 3 45 SH   SOLE 2 45 0 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 27 150 SH   SOLE 2 150 0 0
CA INC COMMON STOCK 12673P105 7 200 SH   SOLE 2 200 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 36 400 SH   OTR 2 400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 415 4,595 SH   SOLE 2 4,595 0 0
CATERPILLAR INC COMMON STOCK 149123101 90 1,125 SH   OTR 2 1,125 0 0
CATERPILLAR INC COMMON STOCK 149123101 554 6,926 SH   SOLE 2 6,926 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 4 65 SH   OTR 2 65 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 15 250 SH   SOLE 2 250 0 0
CDK GLOBAL HOLDINGS LLC COMMON STOCK 12508E101 22 466 SH   OTR 2 466 0 0
CELGENE CORP COMMON STOCK 151020104 173 1,500 SH   OTR 2 1,500 0 0
CELGENE CORP COMMON STOCK 151020104 1,581 13,711 SH   SOLE 2 13,711 0 0
CENTURYLINK INC COMMON STOCK 156700106 7 200 SH   SOLE 2 200 0 0
CERNER CORP COMMON STOCK 156782104 51 700 SH   OTR 2 700 0 0
CERNER CORP COMMON STOCK 156782104 1,080 14,741 SH   SOLE 2 14,741 0 0
CH ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 9 120 SH   SOLE 2 120 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 5 100 SH   OTR 2 100 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 271 5,486 SH   SOLE 2 5,486 0 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 23 450 SH   SOLE 2 450 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 635 6,045 SH   OTR 2 6,045 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,698 25,703 SH   SOLE 2 25,703 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 46 70 SH   OTR 2 70 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 921 1,415 SH   SOLE 2 1,415 0 0
CHUBB CORP COMMON STOCK 171232101 2 24 SH   SOLE 2 24 0 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 9 100 SH   SOLE 2 100 0 0
CIGNA CORP COMMON STOCK 125509109 3 25 SH   SOLE 2 25 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 185 6,725 SH   OTR 2 6,725 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 421 15,313 SH   SOLE 2 15,313 0 0
CITIGROUP INC COMMON STOCK 172967424 53 1,036 SH   OTR 2 1,036 0 0
CITIGROUP INC COMMON STOCK 172967424 1,214 23,561 SH   SOLE 2 23,561 0 0
CLARCOR INC COMMON STOCK 179895107 7 111 SH   SOLE 2 111 0 0
CLOROX COMPANY COMMON STOCK 189054109 22 200 SH   OTR 2 200 0 0
CLOROX COMPANY COMMON STOCK 189054109 40 360 SH   SOLE 2 360 0 0
CME GROUP INC. COMMON STOCK 12572Q105 2 20 SH   SOLE 2 20 0 0
COACH INC COMMON STOCK 189754104 2 50 SH   SOLE 2 50 0 0
COCA COLA CO COMMON STOCK 191216100 82 2,020 SH   OTR 2 2,020 0 0
COCA COLA CO COMMON STOCK 191216100 1,238 30,539 SH   SOLE 2 30,539 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 1 24 SH   SOLE 2 24 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 501 7,230 SH   OTR 2 7,230 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1,071 15,450 SH   SOLE 2 15,450 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 11 200 SH   OTR 2 200 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 318 5,638 SH   SOLE 2 5,638 0 0
COMCAST CORP-SPECIAL CL A COMMON STOCK 20030N200 5 92 SH   SOLE 2 92 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 229 6,484 SH   SOLE 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 11 300 SH   SOLE 2 300 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 102 1,632 SH   OTR 2 1,632 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,265 20,317 SH   SOLE 2 20,317 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 68 1,114 SH   SOLE 2 1,114 0 0
CORNING INC COMMON STOCK 219350105 23 1,025 SH   OTR 2 1,025 0 0
CORNING INC COMMON STOCK 219350105 823 36,296 SH   SOLE 2 36,296 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 98 650 SH   OTR 2 650 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 726 4,790 SH   SOLE 2 4,790 0 0
CSX CORP COMMON STOCK 126408103 6 174 SH   SOLE 2 174 0 0
CVS HEALTH CORP COMMON STOCK 126650100 147 1,420 SH   OTR 2 1,420 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,895 18,363 SH   SOLE 2 18,363 0 0
DANAHER CORP COMMON STOCK 235851102 320 3,770 SH   OTR 2 3,770 0 0
DANAHER CORP COMMON STOCK 235851102 1,663 19,586 SH   SOLE 2 19,586 0 0
DEERE & CO COMMON STOCK 244199105 128 1,455 SH   SOLE 2 1,455 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 8 140 SH   SOLE 2 140 0 0
DISCOVERY COMMUNICATIONS CL A COMMON STOCK 25470F104 5 170 SH   SOLE 2 170 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 675 6,437 SH   OTR 2 6,437 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,570 24,503 SH   SOLE 2 24,503 0 0
DOLLAR TREE INC COMMON STOCK 256746108 652 8,030 SH   SOLE 2 8,030 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 51 725 SH   OTR 2 725 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 516 7,274 SH   SOLE 2 7,274 0 0
DONALDSON INC COMMON STOCK 257651109 8 210 SH   SOLE 2 210 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 69 1,435 SH   OTR 2 1,435 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 556 11,582 SH   SOLE 2 11,582 0 0
DR PEPPER SNAPPLE GROUP INC COMMON STOCK 26138E109 7 84 SH   SOLE 2 84 0 0
DTE ENERGY CO COMMON STOCK 233331107 39 485 SH   OTR 2 485 0 0
DTE ENERGY CO COMMON STOCK 233331107 35 429 SH   SOLE 2 429 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 254 3,555 SH   OTR 2 3,555 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1,171 16,378 SH   SOLE 2 16,378 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 55 717 SH   OTR 2 717 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 27 346 SH   SOLE 2 346 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 24 500 SH   OTR 2 500 0 0
EBAY INC COMMON STOCK 278642103 3 50 SH   OTR 2 50 0 0
EBAY INC COMMON STOCK 278642103 1,153 19,981 SH   SOLE 2 19,981 0 0
ECOLAB INC COMMON STOCK 278865100 154 1,350 SH   OTR 2 1,350 0 0
ECOLAB INC COMMON STOCK 278865100 495 4,331 SH   SOLE 2 4,331 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 9 150 SH   SOLE 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 1 20 SH   SOLE 2 20 0 0
EMC CORP MASS COMMON STOCK 268648102 34 1,325 SH   OTR 2 1,325 0 0
EMC CORP MASS COMMON STOCK 268648102 529 20,691 SH   SOLE 2 20,691 0 0
EMERSON ELEC CO COMMON STOCK 291011104 279 4,925 SH   OTR 2 4,925 0 0
EMERSON ELEC CO COMMON STOCK 291011104 391 6,904 SH   SOLE 2 6,904 0 0
EOG RES INC COMMON STOCK 26875P101 8 85 SH   OTR 2 85 0 0
EOG RES INC COMMON STOCK 26875P101 747 8,146 SH   SOLE 2 8,146 0 0
EQT CORPORATION COMMON STOCK 26884L109 19 226 SH   SOLE 2 226 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 2 35 SH   SOLE 2 35 0 0
EXELON CORP COMMON STOCK 30161N101 27 815 SH   SOLE 2 815 0 0
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 15 310 SH   SOLE 2 310 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 105 1,213 SH   OTR 2 1,213 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 798 9,200 SH   SOLE 2 9,200 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 1,558 18,330 SH   OTR 2 18,330 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 3,439 40,460 SH   SOLE 2 40,460 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 184 2,241 SH   SOLE 2 2,241 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 10 60 SH   SOLE 2 60 0 0
FASTENAL CO COMMON STOCK 311900104 8 190 SH   SOLE 2 190 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 476 2,875 SH   SOLE 2 2,875 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 2 103 SH   SOLE 2 103 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 30 851 SH   SOLE 2 851 0 0
FISERV INC COMMON STOCK 337738108 230 2,900 SH   SOLE 2 2,900 0 0
FNF GROUP COMMON STOCK 31620R303 110 3,000 SH   SOLE 2 3,000 0 0
FNFV GROUP COMMON STOCK 31620R402 14 998 SH   SOLE 2 998 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 100 6,170 SH   OTR 2 6,170 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 1,097 67,947 SH   SOLE 2 67,947 0 0
FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 28 600 SH   SOLE 2 600 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 607 11,832 SH   SOLE 2 11,832 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 34 253 SH   OTR 2 253 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 276 2,037 SH   SOLE 2 2,037 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,081 43,582 SH   OTR 2 43,582 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,236 130,435 SH   SOLE 2 130,435 0 0
GENERAL MLS INC COMMON STOCK 370334104 110 1,950 SH   OTR 2 1,950 0 0
GENERAL MLS INC COMMON STOCK 370334104 1,501 26,516 SH   SOLE 2 26,516 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 87 2,310 SH   SOLE 2 2,310 0 0
GENUINE PARTS CO COMMON STOCK 372460105 20 210 SH   SOLE 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 177 1,805 SH   OTR 2 1,805 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 1,762 17,958 SH   SOLE 2 17,958 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 79 420 SH   OTR 2 420 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,887 10,038 SH   SOLE 2 10,038 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 230 415 SH   OTR 2 415 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 2,548 4,594 SH   SOLE 2 4,594 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 49 90 SH   OTR 2 90 0 0
GOOGLE INC CLASS C COMMON STOCK 38259P706 1,238 2,259 SH   SOLE 2 2,259 0 0
GRAINGER W W INC COMMON STOCK 384802104 28 120 SH   SOLE 2 120 0 0
HALLIBURTON CO COMMON STOCK 406216101 64 1,450 SH   OTR 2 1,450 0 0
HALLIBURTON CO COMMON STOCK 406216101 781 17,798 SH   SOLE 2 17,798 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 73 1,207 SH   OTR 2 1,207 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 6 150 SH   SOLE 2 150 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 135 1,990 SH   SOLE 2 1,990 0 0
HENRY SCHEIN INC COMMON STOCK 806407102 2 15 SH   SOLE 2 15 0 0
HESS CORPORATION COMMON STOCK 42809H107 2 28 SH   SOLE 2 28 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 291 9,348 SH   OTR 2 9,348 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 11 350 SH   SOLE 2 350 0 0
HEXCEL CORP COMMON STOCK 428291108 40 775 SH   SOLE 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 268 2,355 SH   OTR 2 2,355 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,185 19,232 SH   SOLE 2 19,232 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 166 1,595 SH   OTR 2 1,595 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,463 14,026 SH   SOLE 2 14,026 0 0
HORMEL FOODS CORPORATION COMMON STOCK 440452100 7 120 SH   SOLE 2 120 0 0
HOSPIRA INC COMMON STOCK 441060100 23 260 SH   SOLE 2 260 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 50 510 SH   SOLE 2 510 0 0
INTEL CORP COMMON STOCK 458140100 400 12,805 SH   OTR 2 12,805 0 0
INTEL CORP COMMON STOCK 458140100 2,484 79,444 SH   SOLE 2 79,444 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 25 210 SH   OTR 2 210 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,035 8,812 SH   SOLE 2 8,812 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 28 500 SH   OTR 2 500 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 213 3,841 SH   SOLE 2 3,841 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,417 8,831 SH   OTR 2 8,831 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2,907 18,111 SH   SOLE 2 18,111 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 8 120 SH   SOLE 2 120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 37 823 SH   OTR 2 823 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 92 2,033 SH   SOLE 2 2,033 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,006 19,943 SH   OTR 2 19,943 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,257 32,377 SH   SOLE 2 32,377 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 5 100 SH   OTR 2 100 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 48 950 SH   SOLE 2 950 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 531 8,768 SH   OTR 2 8,768 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,795 46,142 SH   SOLE 2 46,142 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 161 7,125 SH   SOLE 2 7,125 0 0
KADANT INC COMMON STOCK 48282T104 43 809 SH   SOLE 2 809 0 0
KB HOME COM COMMON STOCK 48666K109 2 100 SH   SOLE 2 100 0 0
KELLOGG CO COMMON STOCK 487836108 169 2,555 SH   OTR 2 2,555 0 0
KELLOGG CO COMMON STOCK 487836108 68 1,025 SH   SOLE 2 1,025 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 112 1,000 SH   OTR 2 1,000 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 11 100 SH   SOLE 2 100 0 0
KEYCORP COMMON STOCK 493267108 14 1,012 SH   SOLE 2 1,012 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 24 220 SH   SOLE 2 220 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 17 409 SH   SOLE 2 409 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 27 310 SH   OTR 2 310 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 300 3,439 SH   SOLE 2 3,439 0 0
KROGER CO COMMON STOCK 501044101 2 29 SH   SOLE 2 29 0 0
L BRANDS, INC COMMON STOCK 501797104 45 475 SH   SOLE 2 475 0 0
LABORATORY CORP AMERICA HOLDIN COMMON STOCK 50540R409 5 42 SH   SOLE 2 42 0 0
LAS VEGAS SANDS CORP COMMON STOCK 517834107 7 131 SH   SOLE 2 131 0 0
LAUDER ESTEE COS CL-A COMMON STOCK 518439104 4 52 SH   SOLE 2 52 0 0
LILLY ELI & CO COMMON STOCK 532457108 171 2,350 SH   OTR 2 2,350 0 0
LILLY ELI & CO COMMON STOCK 532457108 276 3,805 SH   SOLE 2 3,805 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 117 577 SH   SOLE 2 577 0 0
LOWES COS INC COMMON STOCK 548661107 257 3,450 SH   OTR 2 3,450 0 0
LOWES COS INC COMMON STOCK 548661107 694 9,334 SH   SOLE 2 9,334 0 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 10 125 SH   SOLE 2 125 0 0
MARATHON OIL CORP COMMON STOCK 565849106 7 260 SH   OTR 2 260 0 0
MARATHON OIL CORP COMMON STOCK 565849106 66 2,531 SH   SOLE 2 2,531 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 17 166 SH   SOLE 2 166 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 677 8,427 SH   SOLE 2 8,427 0 0
MASCO CORP COMMON STOCK 574599106 14 510 SH   OTR 2 510 0 0
MASCO CORP COMMON STOCK 574599106 776 29,082 SH   SOLE 2 29,082 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 57 663 SH   SOLE 2 663 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 8 100 SH   SOLE 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 501 5,145 SH   OTR 2 5,145 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,112 11,415 SH   SOLE 2 11,415 0 0
MCKESSON CORP COMMON STOCK 58155Q103 20 88 SH   SOLE 2 88 0 0
MEADWESTVACO CORP COMMON STOCK 583334107 6 112 SH   SOLE 2 112 0 0
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 3 100 SH   SOLE 2 100 0 0
MERCK & CO INC COMMON STOCK 58933Y105 460 8,010 SH   OTR 2 8,010 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,879 32,686 SH   SOLE 2 32,686 0 0
MERIDIAN BIOSCIENCE INC COMMON STOCK 589584101 2 100 SH   SOLE 2 100 0 0
METLIFE INC COMMON STOCK 59156R108 80 1,590 SH   OTR 2 1,590 0 0
METLIFE INC COMMON STOCK 59156R108 462 9,139 SH   SOLE 2 9,139 0 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 9 318 SH   SOLE 2 318 0 0
MICROSOFT CORP COMMON STOCK 594918104 639 15,727 SH   OTR 2 15,727 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,523 62,059 SH   SOLE 2 62,059 0 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 12 161 SH   SOLE 2 161 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 330 SH   OTR 2 330 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 24 656 SH   SOLE 2 656 0 0
MONSANTO CO COMMON STOCK 61166W101 7 65 SH   SOLE 2 65 0 0
MORGAN STANLEY COMMON STOCK 617446448 70 1,965 SH   OTR 2 1,965 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,726 48,348 SH   SOLE 2 48,348 0 0
MOTOROLA SOLUTIONS, INC COMMON STOCK 620076307 2 23 SH   SOLE 2 23 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 51 1,025 SH   OTR 2 1,025 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 181 3,615 SH   SOLE 2 3,615 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 19 765 SH   SOLE 2 765 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 8 200 SH   SOLE 2 200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 101 970 SH   OTR 2 970 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,121 10,777 SH   SOLE 2 10,777 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 252 2,508 SH   SOLE 2 2,508 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 11 215 SH   SOLE 2 215 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 81 785 SH   OTR 2 785 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 123 1,192 SH   SOLE 2 1,192 0 0
NORTHERN TR CORP COMMON STOCK 665859104 9 125 SH   SOLE 2 125 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 11 71 SH   SOLE 2 71 0 0
NUCOR CORP COMMON STOCK 670346105 19 395 SH   OTR 2 395 0 0
NUCOR CORP COMMON STOCK 670346105 24 500 SH   SOLE 2 500 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 450 6,159 SH   SOLE 2 6,159 0 0
OLIN CORP COMMON STOCK 680665205 10 300 SH   SOLE 2 300 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 267 6,180 SH   OTR 2 6,180 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,050 47,500 SH   SOLE 2 47,500 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 57 725 SH   OTR 2 725 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 5 59 SH   SOLE 2 59 0 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 5 30 SH   SOLE 2 30 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 28 235 SH   SOLE 2 235 0 0
PAYCHEX INC COMMON STOCK 704326107 50 1,000 SH   OTR 2 1,000 0 0
PAYCHEX INC COMMON STOCK 704326107 202 4,075 SH   SOLE 2 4,075 0 0
PBF ENERGY INC CL A COMMON STOCK 69318G106 1 26 SH   SOLE 2 26 0 0
PEPCO HOLDINGS INC COMMON STOCK 713291102 967 36,031 SH   SOLE 2 36,031 0 0
PEPSICO INC COMMON STOCK 713448108 1,563 16,351 SH   OTR 2 16,351 0 0
PEPSICO INC COMMON STOCK 713448108 2,830 29,597 SH   SOLE 2 29,597 0 0
PFIZER INC COMMON STOCK 717081103 587 16,864 SH   OTR 2 16,864 0 0
PFIZER INC COMMON STOCK 717081103 2,249 64,640 SH   SOLE 2 64,640 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 15 203 SH   OTR 2 203 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 726 9,644 SH   SOLE 2 9,644 0 0
PHILLIPS 66 COMMON STOCK 718546104 13 170 SH   OTR 2 170 0 0
PHILLIPS 66 COMMON STOCK 718546104 82 1,038 SH   SOLE 2 1,038 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 9 250 SH   SOLE 2 250 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 28 125 SH   OTR 2 125 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 103 457 SH   SOLE 2 457 0 0
PRAXAIR INC COMMON STOCK 74005P104 43 353 SH   OTR 2 353 0 0
PRAXAIR INC COMMON STOCK 74005P104 298 2,468 SH   SOLE 2 2,468 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 23 20 SH   OTR 2 20 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 724 622 SH   SOLE 2 622 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 769 9,384 SH   OTR 2 9,384 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,562 31,261 SH   SOLE 2 31,261 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 56 700 SH   OTR 2 700 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 605 7,531 SH   SOLE 2 7,531 0 0
PTC THERAPEUTICS INC COMMON STOCK 69366J200 12 204 SH   SOLE 2 204 0 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 20 468 SH   SOLE 2 468 0 0
QUALCOMM INC COMMON STOCK 747525103 49 700 SH   OTR 2 700 0 0
QUALCOMM INC COMMON STOCK 747525103 1,387 20,005 SH   SOLE 2 20,005 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 50 650 SH   OTR 2 650 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 23 213 SH   SOLE 2 213 0 0
REMY INTERNATIONAL INC COMMON STOCK 75971M108 4 178 SH   SOLE 2 178 0 0
ROCKWELL COLLINS COMMON STOCK 774341101 2 17 SH   SOLE 2 17 0 0
ROPER INDS INC COMMON STOCK 776696106 19 111 SH   SOLE 2 111 0 0
ROSS STORES INC COMMON STOCK 778296103 28 267 SH   SOLE 2 267 0 0
SALESFORCE.COM COMMON STOCK 79466L302 52 775 SH   OTR 2 775 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,005 30,007 SH   SOLE 2 30,007 0 0
SEMPRA ENERGY COMMON STOCK 816851109 54 495 SH   OTR 2 495 0 0
SEMPRA ENERGY COMMON STOCK 816851109 830 7,617 SH   SOLE 2 7,617 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 34 120 SH   SOLE 2 120 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 15 105 SH   SOLE 2 105 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 78 400 SH   OTR 2 400 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 312 1,595 SH   SOLE 2 1,595 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 15 225 SH   SOLE 2 225 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 63 1,433 SH   OTR 2 1,433 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 111 2,504 SH   SOLE 2 2,504 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 20 450 SH   OTR 2 450 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 987 22,284 SH   SOLE 2 22,284 0 0
ST JUDE MEDICAL INC COMMON STOCK 790849103 219 3,355 SH   SOLE 2 3,355 0 0
STARBUCKS CORP COMMON STOCK 855244109 201 2,120 SH   OTR 2 2,120 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,474 15,568 SH   SOLE 2 15,568 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 34 405 SH   OTR 2 405 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A401 1,060 12,698 SH   SOLE 2 12,698 0 0
STRYKER CORPORATION COMMON STOCK 863667101 37 400 SH   OTR 2 400 0 0
STRYKER CORPORATION COMMON STOCK 863667101 16 170 SH   SOLE 2 170 0 0
SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 6 135 SH   SOLE 2 135 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 8 201 SH   SOLE 2 201 0 0
SYSCO CORP COMMON STOCK 871829107 19 500 SH   SOLE 2 500 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 320 3,950 SH   OTR 2 3,950 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 691 8,539 SH   SOLE 2 8,539 0 0
TARGET CORP COMMON STOCK 87612E106 10 125 SH   OTR 2 125 0 0
TARGET CORP COMMON STOCK 87612E106 126 1,540 SH   SOLE 2 1,540 0 0
TESORO CORPORATION COMMON STOCK 881609101 11 125 SH   SOLE 2 125 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 25 250 SH   OTR 2 250 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 1,093 10,829 SH   SOLE 2 10,829 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3 20 SH   SOLE 2 20 0 0
TIME INC COMMON STOCK 887228104 1 43 SH   OTR 2 43 0 0
TIME WARNER CABLE INC COMMON STOCK 88732J207 15 100 SH   SOLE 2 100 0 0
TIME WARNER INC COMMON STOCK 887317303 105 1,240 SH   OTR 2 1,240 0 0
TIME WARNER INC COMMON STOCK 887317303 688 8,143 SH   SOLE 2 8,143 0 0
TJX COS INC COMMON STOCK 872540109 124 1,765 SH   OTR 2 1,765 0 0
TJX COS INC COMMON STOCK 872540109 1,306 18,647 SH   SOLE 2 18,647 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 16 300 SH   SOLE 2 300 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 233 2,157 SH   SOLE 2 2,157 0 0
TRIPADVISOR INC COMMON STOCK 896945201 2 28 SH   SOLE 2 28 0 0
TRW AUTOMOTIVE HOLDINGS CORP COMMON STOCK 87264S106 4 36 SH   SOLE 2 36 0 0
TWENTY-FIRST CENTURY FOX INC C COMMON STOCK 90130A101 431 12,735 SH   SOLE 2 12,735 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 55 675 SH   OTR 2 675 0 0
UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,457 18,040 SH   SOLE 2 18,040 0 0
UNION PAC CORP COMMON STOCK 907818108 98 905 SH   OTR 2 905 0 0
UNION PAC CORP COMMON STOCK 907818108 1,572 14,518 SH   SOLE 2 14,518 0 0
UNITED CONTINENTAL HOLDINGS IN COMMON STOCK 910047109 6 83 SH   SOLE 2 83 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 82 850 SH   OTR 2 850 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 771 7,952 SH   SOLE 2 7,952 0 0
UNITED STATES STEEL CORP COMMON STOCK 912909108 2 100 SH   SOLE 2 100 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,024 8,740 SH   OTR 2 8,740 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,859 15,859 SH   SOLE 2 15,859 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 17 100 SH   SOLE 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 30 255 SH   OTR 2 255 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 370 3,129 SH   SOLE 2 3,129 0 0
UNIVERSAL HEALTH SVCS INC CL B COMMON STOCK 913903100 6 48 SH   SOLE 2 48 0 0
US BANCORP NEW COMMON STOCK 902973304 193 4,425 SH   OTR 2 4,425 0 0
US BANCORP NEW COMMON STOCK 902973304 589 13,479 SH   SOLE 2 13,479 0 0
V.F. CORP COMMON STOCK 918204108 677 8,995 SH   SOLE 2 8,995 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 43 678 SH   SOLE 2 678 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 366 7,525 SH   OTR 2 7,525 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,383 28,437 SH   SOLE 2 28,437 0 0
VIACOM INC-B COMMON STOCK 92553P201 134 1,960 SH   OTR 2 1,960 0 0
VIACOM INC-B COMMON STOCK 92553P201 44 645 SH   SOLE 2 645 0 0
VISA INC CL A COMMON STOCK 92826C839 130 1,980 SH   OTR 2 1,980 0 0
VISA INC CL A COMMON STOCK 92826C839 2,462 37,634 SH   SOLE 2 37,634 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 153 1,810 SH   SOLE 2 1,810 0 0
WAL MART STORES INC COMMON STOCK 931142103 68 825 SH   OTR 2 825 0 0
WAL MART STORES INC COMMON STOCK 931142103 752 9,138 SH   SOLE 2 9,138 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 20 235 SH   SOLE 2 235 0 0
WELLS FARGO & CO COMMON STOCK 949746101 419 7,700 SH   OTR 2 7,700 0 0
WELLS FARGO & CO COMMON STOCK 949746101 3,115 57,261 SH   SOLE 2 57,261 0 0
WESTERN DIGITAL CORP COMMON STOCK 958102105 7 75 SH   SOLE 2 75 0 0
WHOLE FOODS MKT INC COMMON STOCK 966837106 57 1,100 SH   SOLE 2 1,100 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A101 30 4,113 SH   SOLE 2 4,113 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 64 1,300 SH   SOLE 2 1,300 0 0
YUM! BRANDS INC COMMON STOCK 988498101 26 325 SH   OTR 2 325 0 0
YUM! BRANDS INC COMMON STOCK 988498101 96 1,215 SH   SOLE 2 1,215 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 44 375 SH   OTR 2 375 0 0
ZIMMER HLDGS INC COMMON STOCK 98956P102 455 3,870 SH   SOLE 2 3,870 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 5 175 SH   SOLE 2 175 0 0
3M CO COMMON STOCK 88579Y101 779 4,723 SH   OTR 2 4,723 0 0
3M CO COMMON STOCK 88579Y101 1,352 8,195 SH   SOLE 2 8,195 0 0
ASTRAZENECA PLC SPONS ADR COMMON STOCK 046353108 10 144 SH   SOLE 2 144 0 0
BHP BILLITON LTD SPONS ADR COMMON STOCK 088606108 1 26 SH   SOLE 2 26 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 93 2,385 SH   SOLE 2 2,385 0 0
DIAGEO PLC SPONS ADR COMMON STOCK 25243Q205 2 17 SH   SOLE 2 17 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   OTR 2 100 0 0
GLAXO SMITHKLINE SPONS ADR COMMON STOCK 37733W105 5 100 SH   SOLE 2 100 0 0
GRUPO TELEVISA SA DE CV SPONS COMMON STOCK 40049J206 4 112 SH   SOLE 2 112 0 0
ING GROEP NV SPONS ADR COMMON STOCK 456837103 5 332 SH   SOLE 2 332 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 69 700 SH   SOLE 2 700 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205 5 88 SH   SOLE 2 88 0 0
ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 6 100 SH   SOLE 2 100 0 0
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 3 12 SH   SOLE 2 12 0 0
SYNGENTA AG SPONS ADR COMMON STOCK 87160A100 5 74 SH   SOLE 2 74 0 0
TEVA PHARMACEUTICAL INDS SPONS COMMON STOCK 881624209 67 1,068 SH   SOLE 2 1,068 0 0
TOTAL S.A. SPONS ADR COMMON STOCK 89151E109 3 61 SH   SOLE 2 61 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 7 213 SH   SOLE 2 213 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH   SOLE 2 30 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 5 260 SH   SOLE 2 260 0 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   SOLE 2 120 0 0
PLUM CREEK TIMBER CO INC REIT COMMON STOCK 729251108 2 50 SH   SOLE 2 50 0 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 13 700 SH   SOLE 2 700 0 0
VENTAS INC REIT COMMON STOCK 92276F100 11 150 SH   SOLE 2 150 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104 6 196 SH   SOLE 2 196 0 0
WP GLIMCHER INC REIT COMMON STOCK 92939N102 1 50 SH   OTR 2 50 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 544 20,042 SH   OTR 2 20,042 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 36,171 1,332,264 SH   SOLE 2 1,332,264 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 9 100 SH   OTR 2 100 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 514 5,485 SH   SOLE 2 5,485 0 0
ACE LIMITED COMMON STOCK H0023R105 2 16 SH   SOLE 2 16 0 0
ACTAVIS PLC COMMON STOCK G0083B108 937 3,147 SH   SOLE 2 3,147 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 1 100 SH   SOLE 2 100 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 4 60 SH   SOLE 2 60 0 0
CARNIVAL CORP COMMON STOCK 143658300 61 1,277 SH   SOLE 2 1,277 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,361 16,603 SH   SOLE 2 16,603 0 0
EATON CORP PLC COMMON STOCK G29183103 85 1,250 SH   OTR 2 1,250 0 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 5 71 SH   SOLE 2 71 0 0
LIBERTY GLOBAL PLC CLASS A COMMON STOCK G5480U104 6 111 SH   SOLE 2 111 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 205 2,632 SH   OTR 2 2,632 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 839 10,758 SH   SOLE 2 10,758 0 0
MYLAN NV COMMON STOCK N59465109 36 600 SH   OTR 2 600 0 0
MYLAN NV COMMON STOCK N59465109 210 3,530 SH   SOLE 2 3,530 0 0
NOBLE CORPORATION PLC COMMON STOCK G65431101 14 950 SH   SOLE 2 950 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 108 1,295 SH   OTR 2 1,295 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 1,243 14,897 SH   SOLE 2 14,897 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 4 200 SH   SOLE 2 200 0 0
SUNCOR ENERGY INC COMMON STOCK 867224107 6 193 SH   SOLE 2 193 0 0
THOMSON CORP COMMON STOCK 884903105 4 100 SH   SOLE 2 100 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 89 2,084 SH   OTR 2 2,084 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 347 8,092 SH   SOLE 2 8,092 0 0
TRANSCANADA CORP COMMON STOCK 89353D107 9 200 SH   SOLE 2 200 0 0
TYCO INTERNATIONAL PLC COMMON STOCK G91442106 2 55 SH   SOLE 2 55 0 0
UNILEVER NV NY SHARES COMMON STOCK 904784709 1 14 SH   SOLE 2 14 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 379 5,030 SH   OTR 2 5,030 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 205 2,719 SH   SOLE 2 2,719 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 153 3,130 SH   OTR 2 3,130 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 89 1,835 SH   SOLE 2 1,835 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 128 1,645 SH   OTR 2 1,645 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 168 2,170 SH   SOLE 2 2,170 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 32 1,200 SH   SOLE 2 1,200 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 313 12,985 SH   OTR 2 12,985 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 387 16,031 SH   SOLE 2 16,031 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 29 1,350 SH   SOLE 2 1,350 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 295 4,070 SH   OTR 2 4,070 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 291 4,018 SH   SOLE 2 4,018 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 220 3,945 SH   OTR 2 3,945 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 161 2,878 SH   SOLE 2 2,878 0 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 26 735 SH   SOLE 2 735 0 0
ISHARES GOLD TRUST OTHER 464285105 1 100 SH   SOLE 2 100 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 81 1,270 SH   SOLE 2 1,270 0 0
ISHARES MSCI EAFE VALUE ETF OTHER 464288877 27 500 SH   SOLE 2 500 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 64 1,599 SH   SOLE 2 1,599 0 0
ISHARES S&P GSCI COMMODITY I OTHER 46428R107 46 2,376 SH   SOLE 2 2,376 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 112 2,800 SH   OTR 2 2,800 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 962 23,976 SH   SOLE 2 23,976 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 291 2,468 SH   SOLE 2 2,468 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 85 561 SH   SOLE 2 561 0 0
ISHARES SILVER TRUST OTHER 46428Q109 33 2,084 SH   SOLE 2 2,084 0 0
MARKET VECTORS ETF TRUST OTHER 57060U183 32 250 SH   SOLE 2 250 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 104 2,125 SH   OTR 2 2,125 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 102 2,088 SH   SOLE 2 2,088 0 0
POWERSHARES WATER RESOURCES PO OTHER 73935X575 6 250 SH   SOLE 2 250 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 452 4,501 SH   SOLE 2 4,501 0 0
SPDR GOLD TRUST OTHER 78463V107 18 156 SH   SOLE 2 156 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 28 420 SH   SOLE 2 420 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 726 2,620 SH   SOLE 2 2,620 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 158 1,250 SH   SOLE 2 1,250 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 42 204 SH   OTR 2 204 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 4,689 22,717 SH   SOLE 2 22,717 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 693 7,030 SH   SOLE 2 7,030 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 43 400 SH   SOLE 2 400 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 118 625 SH   SOLE 2 625 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 394 9,505 SH   OTR 2 9,505 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 248 5,990 SH   SOLE 2 5,990 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 70 1,565 SH   OTR 2 1,565 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 104 2,352 SH   SOLE 2 2,352 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 513 4,857 SH   SOLE 2 4,857 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 144 1,700 SH   SOLE 2 1,700 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 101 905 SH   OTR 2 905 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 6,163 55,308 SH   SOLE 2 55,308 0 0
ISHARES IBOXX INV GRD CORP BON OTHER 464287242 45 371 SH   SOLE 2 371 0 0
SPDR BARCLAYS HIGH YIELD BOND OTHER 78464A417 355 9,063 SH   SOLE 2 9,063 0 0
ISHARES S&P NY AMT-FREE MUNI E OTHER 464288323 2,998 26,711 SH   SOLE 2 26,711 0 0
ISHARES TR S&P NAT MUNI BOND E OTHER 464288414 49 446 SH   SOLE 2 446 0 0
ABBOTT LABS COMMON STOCK 002824100 9 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100 21 450 SH   SOLE   450 0 0
ABBVIE INC COMMON STOCK 00287Y109 12 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 25 425 SH   SOLE   425 0 0
AETNA INC COMMON STOCK 00817Y108 35 325 SH   SOLE   325 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 4 25 SH   SOLE   25 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 31 629 SH   SOLE   629 0 0
AMAZON.COM INC COMMON STOCK 023135106 111 297 SH   SOLE   297 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 23 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 155 1,985 SH   SOLE   1,985 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 59 1,080 SH   SOLE   1,080 0 0
AMERISOURCEBERGEN CORP COMMON STOCK 03073E108 14 125 SH   SOLE   125 0 0
AMGEN INC COMMON STOCK 031162100 24 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100 153 955 SH   SOLE   955 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 11 175 SH   OTR   0 175 0
APACHE CORP COMMON STOCK 037411105 45 750 SH   SOLE   750 0 0
APPLE INC COMMON STOCK 037833100 13 105 SH   OTR   0 105 0
APPLE INC COMMON STOCK 037833100 401 3,220 SH   SOLE   3,220 0 0
AT&T INC COMMON STOCK 00206R102 23 700 SH   OTR   0 700 0
AT&T INC COMMON STOCK 00206R102 84 2,569 SH   SOLE   2,569 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 40 468 SH   SOLE   468 0 0
BAKER HUGHES INC COMMON STOCK 057224107 34 530 SH   SOLE   530 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 49 3,170 SH   SOLE   3,170 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 64 1,595 SH   SOLE   1,595 0 0
BB&T CORPORATION COMMON STOCK 054937107 3 87 SH   SOLE   87 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 179 1,240 SH   SOLE   1,240 0 0
BIOGEN INC COMMON STOCK 09062X103 34 80 SH   SOLE   80 0 0
BOEING CO COMMON STOCK 097023105 21 140 SH   SOLE   140 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 16 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 128 1,989 SH   SOLE   1,989 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 14 150 SH   SOLE   150 0 0
CATERPILLAR INC COMMON STOCK 149123101 78 972 SH   SOLE   972 0 0
CBS CORPORATION CLASS B COMMON STOCK 124857202 36 600 SH   SOLE   600 0 0
CELGENE CORP COMMON STOCK 151020104 97 840 SH   SOLE   840 0 0
CERNER CORP COMMON STOCK 156782104 26 360 SH   SOLE   360 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 46 925 SH   SOLE   925 0 0
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CHEVRON CORPORATION COMMON STOCK 166764100 190 1,807 SH   SOLE   1,807 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 58 89 SH   SOLE   89 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 11 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 16 575 SH   SOLE   575 0 0
CITIGROUP INC COMMON STOCK 172967424 81 1,580 SH   SOLE   1,580 0 0
COCA COLA CO COMMON STOCK 191216100 110 2,715 SH   SOLE   2,715 0 0
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COLGATE PALMOLIVE CO COMMON STOCK 194162103 112 1,615 SH   SOLE   1,615 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 7 122 SH   SOLE   122 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 81 1,305 SH   SOLE   1,305 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 43 706 SH   OTR   706 0 0
CORNING INC COMMON STOCK 219350105 60 2,655 SH   SOLE   2,655 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 134 887 SH   SOLE   887 0 0
CVS HEALTH CORP COMMON STOCK 126650100 61 595 SH   SOLE   595 0 0
DANAHER CORP COMMON STOCK 235851102 59 700 SH   OTR   0 700 0
DANAHER CORP COMMON STOCK 235851102 118 1,385 SH   SOLE   1,385 0 0
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DISNEY WALT CO NEW COMMON STOCK 254687106 184 1,755 SH   SOLE   1,755 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 14 200 SH   OTR   0 200 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 37 525 SH   SOLE   525 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 10 200 SH   OTR   0 200 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 6 125 SH   SOLE   125 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 93 1,305 SH   SOLE   1,305 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 5 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 85 1,465 SH   SOLE   1,465 0 0
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EXXONMOBIL CORP COMMON STOCK 30231G102 334 3,925 SH   SOLE   3,925 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 65 785 SH   SOLE   785 0 0
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FORD MOTOR CO DEL COMMON STOCK 345370860 63 3,890 SH   SOLE   3,890 0 0
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GENERAL ELECTRIC CORP COMMON STOCK 369604103 221 8,915 SH   SOLE   8,915 0 0
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GENERAL MLS INC COMMON STOCK 370334104 71 1,263 SH   SOLE   1,263 0 0
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LOWES COS INC COMMON STOCK 548661107 46 620 SH   SOLE   620 0 0
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OCCIDENTAL PETE CORP COMMON STOCK 674599105 39 540 SH   SOLE   540 0 0
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CUMMINS INC COMMON STOCK 231021106 1,649 11,897 SH   DFND 3 11,897 0 0
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DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 679 9,500 SH   DFND 3 9,500 0 0
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EXXONMOBIL CORP COMMON STOCK 30231G102 1,020 12,000 SH   DFND 3 12,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 3,494 42,500 SH   DFND 3 42,500 0 0
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GILEAD SCIENCES INC COMMON STOCK 375558103 1,717 17,500 SH   DFND 3 17,500 0 0
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KB HOME COM COMMON STOCK 48666K109 781 50,000 SH   DFND 3 50,000 0 0
KEURIG GREEN MOUNTAIN INC COMMON STOCK 49271M100 559 5,000 SH   DFND 3 5,000 0 0
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PPG INDUSTRIES INC COMMON STOCK 693506107 1,128 5,000 SH   DFND 3 5,000 0 0
PRICELINE GROUP INC COMMON STOCK 741503403 990 850 SH   DFND 3 850 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 1,270 15,500 SH   DFND 3 15,500 0 0
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WELLS FARGO & CO COMMON STOCK 949746101 1,088 20,000 SH   DFND 3 20,000 0 0
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ACTAVIS PLC COMMON STOCK G0083B108 1,488 5,000 SH   DFND 3 5,000 0 0
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