SVP, TREASURER & CFO

0000717538-19-000064.txt : 20190204 0000717538-19-000064.hdr.sgml : 20190204 20190204101031 ACCESSION NUMBER: 0000717538-19-000064 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20181231 FILED AS OF DATE: 20190204 DATE AS OF CHANGE: 20190204 EFFECTIVENESS DATE: 20190204 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: 19562224 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 12-31-2018 12-31-2018 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 N EDWARD J. CAMPANELLA SVP, TREASURER & CFO 518-415-4512 /s/ EDWARD J. CAMPANELLA GLENS FALLS NY 02-04-2019 2 744 390980 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 a13-fhrarrowdec2018informa.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 85 1175 SH OTR 2 0 1175 0 ABBVIE INC COMMON STOCK 00287Y109 189 2050 SH OTR 2 0 2050 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 22 135 SH OTR 2 0 135 0 ALLSTATE CORP COMMON STOCK 020002101 91 1106 SH OTR 2 0 1106 0 ALPHABET INC CL A COMMON STOCK 02079K305 357 342 SH OTR 2 0 342 0 ALPHABET INC CL C COMMON STOCK 02079K107 166 160 SH OTR 2 0 160 0 ALTRIA GROUP INC COMMON STOCK 02209S103 10 200 SH OTR 2 0 200 0 AMAZON.COM INC COMMON STOCK 023135106 309 206 SH OTR 2 0 206 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 132 1380 SH OTR 2 0 1380 0 AMGEN INC COMMON STOCK 031162100 58 300 SH OTR 2 0 300 0 APPLE INC COMMON STOCK 037833100 653 4142 SH OTR 2 0 4142 0 AT&T INC COMMON STOCK 00206R102 120 4206 SH OTR 2 0 4206 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 544 4150 SH OTR 2 0 4150 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 69 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 135 2050 SH OTR 2 0 2050 0 BB&T CORPORATION COMMON STOCK 054937107 4 100 SH OTR 2 0 100 0 BECTON DICKINSON COMMON STOCK 075887109 64 285 SH OTR 2 0 285 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 337 1650 SH OTR 2 0 1650 0 BLACKROCK INC CL A COMMON STOCK 09247X101 79 200 SH OTR 2 0 200 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 47 27 SH OTR 2 0 27 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 90 1725 SH OTR 2 0 1725 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 18 400 SH OTR 2 0 400 0 CATERPILLAR INC COMMON STOCK 149123101 130 1025 SH OTR 2 0 1025 0 CELGENE CORP COMMON STOCK 151020104 32 500 SH OTR 2 0 500 0 CHEVRON CORPORATION COMMON STOCK 166764100 525 4824 SH OTR 2 0 4824 0 CIGNA CORP COMMON STOCK 125523100 15 79 SH OTR 2 0 79 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 49 1135 SH OTR 2 0 1135 0 CLOROX COMPANY COMMON STOCK 189054109 31 200 SH OTR 2 0 200 0 COCA COLA CO COMMON STOCK 191216100 85 1805 SH OTR 2 0 1805 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 407 6830 SH OTR 2 0 6830 0 COMCAST CORP-CL A COMMON STOCK 20030N101 14 400 SH OTR 2 0 400 0 CONOCOPHILLIPS COMMON STOCK 20825C104 54 871 SH OTR 2 0 871 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 46 287 SH OTR 2 0 287 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 13 65 SH OTR 2 0 65 0 CUMMINS INC COMMON STOCK 231021106 5 35 SH OTR 2 0 35 0 CVS HEALTH CORP COMMON STOCK 126650100 26 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 16 151 SH OTR 2 0 151 0 DISCOVER FINL SVCS COMMON STOCK 254709108 27 466 SH OTR 2 0 466 0 DISNEY WALT CO NEW COMMON STOCK 254687106 185 1687 SH OTR 2 0 1687 0 DOMINION ENERGY INC COMMON STOCK 25746U109 50 700 SH OTR 2 0 700 0 DOWDUPONT INC COMMON STOCK 26078J100 78 1466 SH OTR 2 0 1466 0 DTE ENERGY CO COMMON STOCK 233331107 46 415 SH OTR 2 0 415 0 DUKE ENERGY CORP COMMON STOCK 26441C204 55 634 SH OTR 2 0 634 0 ECOLAB INC COMMON STOCK 278865100 210 1425 SH OTR 2 0 1425 0 EMERSON ELEC CO COMMON STOCK 291011104 195 3270 SH OTR 2 0 3270 0 EOG RES INC COMMON STOCK 26875P101 3 35 SH OTR 2 0 35 0 EXXONMOBIL CORP COMMON STOCK 30231G102 725 10630 SH OTR 2 0 10630 0 FACEBOOK INC-A COMMON STOCK 30303M102 64 490 SH OTR 2 0 490 0 FORD MOTOR CO DEL COMMON STOCK 345370860 15 2000 SH OTR 2 0 2000 0 GARRETT MOTION INC COMMON STOCK 366505105 0 3 SH OTR 2 0 3 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 17 105 SH OTR 2 0 105 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 25 3350 SH OTR 2 0 3350 0 GENERAL MLS INC COMMON STOCK 370334104 14 350 SH OTR 2 0 350 0 GILEAD SCIENCES INC COMMON STOCK 375558103 44 710 SH OTR 2 0 710 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 55 330 SH OTR 2 0 330 0 HOME DEPOT INC COMMON STOCK 437076102 395 2298 SH OTR 2 0 2298 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 100 755 SH OTR 2 0 755 0 INTEL CORP COMMON STOCK 458140100 384 8190 SH OTR 2 0 8190 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 15 200 SH OTR 2 0 200 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 20 500 SH OTR 2 0 500 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 670 5898 SH OTR 2 0 5898 0 INTUIT INC COMMON STOCK 461202103 159 810 SH OTR 2 0 810 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 39 675 SH OTR 2 0 675 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1219 9445 SH OTR 2 0 9445 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 747 7653 SH OTR 2 0 7653 0 KELLOGG CO COMMON STOCK 487836108 106 1855 SH OTR 2 0 1855 0 KRAFT HEINZ CO COMMON STOCK 500754106 4 102 SH OTR 2 0 102 0 LILLY ELI & CO COMMON STOCK 532457108 272 2350 SH OTR 2 0 2350 0 LOWES COS INC COMMON STOCK 548661107 113 1225 SH OTR 2 0 1225 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 112 1035 SH OTR 2 0 1035 0 MASCO CORP COMMON STOCK 574599106 7 250 SH OTR 2 0 250 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 29 155 SH OTR 2 0 155 0 MCDONALDS CORP COMMON STOCK 580135101 160 900 SH OTR 2 0 900 0 MERCK & CO INC COMMON STOCK 58933Y105 287 3750 SH OTR 2 0 3750 0 METLIFE INC COMMON STOCK 59156R108 63 1535 SH OTR 2 0 1535 0 MICROSOFT CORP COMMON STOCK 594918104 1368 13470 SH OTR 2 0 13470 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 8 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 126 3182 SH OTR 2 0 3182 0 NETFLIX INC COMMON STOCK 64110L106 71 265 SH OTR 2 0 265 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 143 825 SH OTR 2 0 825 0 NIKE INC-CLASS B COMMON STOCK 654106103 395 5330 SH OTR 2 0 5330 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 112 750 SH OTR 2 0 750 0 NVIDIA CORP COMMON STOCK 67066G104 47 353 SH OTR 2 0 353 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 6 100 SH OTR 2 0 100 0 ORACLE CORPORATION COMMON STOCK 68389X105 316 7000 SH OTR 2 0 7000 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 52 625 SH OTR 2 0 625 0 PARAMOUNT GOLD NEVADA CORP COMMON STOCK 69924M109 0 2 SH OTR 2 0 2 0 PAYCHEX INC COMMON STOCK 704326107 65 1000 SH OTR 2 0 1000 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 38 450 SH OTR 2 0 450 0 PEPSICO INC COMMON STOCK 713448108 671 6075 SH OTR 2 0 6075 0 PFIZER INC COMMON STOCK 717081103 490 11235 SH OTR 2 0 11235 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 7 100 SH OTR 2 0 100 0 PHILLIPS 66 COMMON STOCK 718546104 3 32 SH OTR 2 0 32 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 529 5754 SH OTR 2 0 5754 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 69 850 SH OTR 2 0 850 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 54 650 SH OTR 2 0 650 0 RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 5 SH OTR 2 0 5 0 SEMPRA ENERGY COMMON STOCK 816851109 27 245 SH OTR 2 0 245 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 50 300 SH OTR 2 0 300 0 SOUTHERN COMPANY COMMON STOCK 842587107 26 600 SH OTR 2 0 600 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 14 295 SH OTR 2 0 295 0 STARBUCKS CORP COMMON STOCK 855244109 128 1985 SH OTR 2 0 1985 0 STATE STREET CORP COMMON STOCK 857477103 62 979 SH OTR 2 0 979 0 STRYKER CORPORATION COMMON STOCK 863667101 213 1360 SH OTR 2 0 1360 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 260 2819 SH OTR 2 0 2819 0 TESLA INC COMMON STOCK 88160R101 5 15 SH OTR 2 0 15 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 80 359 SH OTR 2 0 359 0 TJX COS INC COMMON STOCK 872540109 76 1700 SH OTR 2 0 1700 0 UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1 82 SH OTR 2 0 82 0 UNION PAC CORP COMMON STOCK 907818108 53 380 SH OTR 2 0 380 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 83 850 SH OTR 2 0 850 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 785 7375 SH OTR 2 0 7375 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 64 255 SH OTR 2 0 255 0 US BANCORP NEW COMMON STOCK 902973304 234 5125 SH OTR 2 0 5125 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 315 5604 SH OTR 2 0 5604 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 50 300 SH OTR 2 0 300 0 VIACOM INC-B COMMON STOCK 92553P201 33 1302 SH OTR 2 0 1302 0 VISA INC CL A COMMON STOCK 92826C839 190 1440 SH OTR 2 0 1440 0 WALMART INC COMMON STOCK 931142103 47 500 SH OTR 2 0 500 0 WELLS FARGO & CO COMMON STOCK 949746101 70 1525 SH OTR 2 0 1525 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 39 375 SH OTR 2 0 375 0 3M CO COMMON STOCK 88579Y101 429 2250 SH OTR 2 0 2250 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 618 19290 SH OTR 2 0 19290 0 EATON CORP PLC COMMON STOCK G29183103 86 1250 SH OTR 2 0 1250 0 LINDE PLC COMMON STOCK G5494J103 43 275 SH OTR 2 0 275 0 MEDTRONIC PLC COMMON STOCK G5960L103 89 982 SH OTR 2 0 982 0 SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH OTR 2 0 2 0 SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 104 2084 SH OTR 2 0 2084 0 TRANSOCEAN LTD COMMON STOCK H8817H100 7 1000 SH OTR 2 0 1000 0 CONSUMER DISCRETIONARY SELT OTHER 81369Y407 757 7643 SH OTR 2 0 7643 0 CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 295 5802 SH OTR 2 0 5802 0 ENERGY SELECT SECTOR SPDR OTHER 81369Y506 297 5179 SH OTR 2 0 5179 0 FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 788 33100 SH OTR 2 0 33100 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 855 9886 SH OTR 2 0 9886 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 572 8881 SH OTR 2 0 8881 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 414 6522 SH OTR 2 0 6522 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 229 5851 SH OTR 2 0 5851 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 23 500 SH OTR 2 0 500 0 ISHARES S&P SMALLCAP 600 OTHER 464287804 194 2796 SH OTR 2 0 2796 0 ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 21 127 SH OTR 2 0 127 0 MATERIALS SELECT SPDR FUND OTHER 81369Y100 108 2139 SH OTR 2 0 2139 0 SPDR S&P BIOTECH ETF OTHER 78464A870 7 100 SH OTR 2 0 100 0 SPDR S&P TELECOM ETF OTHER 78464A540 4 70 SH OTR 2 0 70 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 85 340 SH OTR 2 0 340 0 TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1389 22407 SH OTR 2 0 22407 0 UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 76 1439 SH OTR 2 0 1439 0 VANGUARD S&P 500 ETF OTHER 922908363 40 173 SH OTR 2 0 173 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH OTR 2 0 500 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 271 2542 SH OTR 2 0 2542 0 ISHARES SHORT-TERM CORPORATE B OTHER 464288646 119 2300 SH OTR 2 0 2300 0 ABBOTT LABS COMMON STOCK 002824100 734 10150 SH DFND 2 10150 0 0 ABBVIE INC COMMON STOCK 00287Y109 661 7171 SH DFND 2 7171 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 40 862 SH DFND 2 862 0 0 ADOBE INC COMMON STOCK 00724F101 1099 4856 SH DFND 2 4856 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 33 205 SH DFND 2 205 0 0 ALCOA CORP COMMON STOCK 013872106 11 420 SH DFND 2 420 0 0 ALLSCRIPTS HEALTHCARE SOLUTION COMMON STOCK 01988P108 16 1629 SH DFND 2 1629 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 4915 4704 SH DFND 2 4704 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 1503 1451 SH DFND 2 1451 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 442 8942 SH DFND 2 8942 0 0 AMAZON.COM INC COMMON STOCK 023135106 5083 3384 SH DFND 2 3384 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 38 502 SH DFND 2 502 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 283 2965 SH DFND 2 2965 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 241 6107 SH DFND 2 6107 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 18 200 SH DFND 2 200 0 0 AMGEN INC COMMON STOCK 031162100 2459 12632 SH DFND 2 12632 0 0 AMPHENOL CORP CL A COMMON STOCK 032095101 3 37 SH DFND 2 37 0 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 51 1152 SH DFND 2 1152 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 18 210 SH DFND 2 210 0 0 ANTARES PHARMA INC COMMON STOCK 036642106 38 14000 SH DFND 2 14000 0 0 APPLE INC COMMON STOCK 037833100 5905 37433 SH DFND 2 37433 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 103 3150 SH DFND 2 3150 0 0 AQUA AMERICA INC COMMON STOCK 03836W103 37 1082 SH DFND 2 1082 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 8 200 SH DFND 2 200 0 0 ARCOSA INC COMMON STOCK 039653100 1 33 SH DFND 2 33 0 0 ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 33 460 SH DFND 2 460 0 0 AT&T INC COMMON STOCK 00206R102 383 13428 SH DFND 2 13428 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 252 1920 SH DFND 2 1920 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 610 24750 SH DFND 2 24750 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 237 5027 SH DFND 2 5027 0 0 BAXTER INTL INC COMMON STOCK 071813109 124 1890 SH DFND 2 1890 0 0 BB&T CORPORATION COMMON STOCK 054937107 101 2325 SH DFND 2 2325 0 0 BECTON DICKINSON COMMON STOCK 075887109 73 325 SH DFND 2 325 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3433 16812 SH DFND 2 16812 0 0 BLACK KNIGHT INC COMMON STOCK 09215C105 41 918 SH DFND 2 918 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 1850 4709 SH DFND 2 4709 0 0 BLACKSTONE GROUP LP COMMON STOCK 09253U108 24 800 SH DFND 2 800 0 0 BOEING CO COMMON STOCK 097023105 706 2190 SH DFND 2 2190 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 1176 683 SH DFND 2 683 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1417 27260 SH DFND 2 27260 0 0 CANNAE HOLDINGS INC COMMON STOCK 13765N107 17 998 SH DFND 2 998 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 69 916 SH DFND 2 916 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 103 2320 SH DFND 2 2320 0 0 CATERPILLAR INC COMMON STOCK 149123101 302 2380 SH DFND 2 2380 0 0 CELGENE CORP COMMON STOCK 151020104 432 6744 SH DFND 2 6744 0 0 CENTURYLINK INC COMMON STOCK 156700106 1 33 SH DFND 2 33 0 0 CERNER CORP COMMON STOCK 156782104 319 6077 SH DFND 2 6077 0 0 CHARLES SCHWAB CORP COMMON STOCK 808513105 102 2451 SH DFND 2 2451 0 0 CHEESECAKE FACTORY INC COMMON STOCK 163072101 17 400 SH DFND 2 400 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 2074 19066 SH DFND 2 19066 0 0 CIGNA CORP COMMON STOCK 125523100 41 217 SH DFND 2 217 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 1353 31220 SH DFND 2 31220 0 0 CITIGROUP INC COMMON STOCK 172967424 29 562 SH DFND 2 562 0 0 CLOROX COMPANY COMMON STOCK 189054109 95 617 SH DFND 2 617 0 0 CME GROUP INC COMMON STOCK 12572Q105 55 290 SH DFND 2 290 0 0 CMS ENERGY CORP COMMON STOCK 125896100 6 121 SH DFND 2 121 0 0 COCA COLA CO COMMON STOCK 191216100 1526 32224 SH DFND 2 32224 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 325 5452 SH DFND 2 5452 0 0 COMCAST CORP-CL A COMMON STOCK 20030N101 186 5463 SH DFND 2 5463 0 0 COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 378 6484 SH DFND 2 6484 0 0 CONAGRA BRANDS INC COMMON STOCK 205887102 2 87 SH DFND 2 87 0 0 CONNECTICUT WATER SVC INC COMMON STOCK 207797101 13 200 SH DFND 2 200 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 444 7128 SH DFND 2 7128 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 72 939 SH DFND 2 939 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1237 7692 SH DFND 2 7692 0 0 COOPER TIRE & RUBBER CO COMMON STOCK 216831107 16 500 SH DFND 2 500 0 0 CORNING INC COMMON STOCK 219350105 66 2200 SH DFND 2 2200 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 759 3727 SH DFND 2 3727 0 0 CSX CORP COMMON STOCK 126408103 11 180 SH DFND 2 180 0 0 CUMMINS INC COMMON STOCK 231021106 568 4252 SH DFND 2 4252 0 0 CVS HEALTH CORP COMMON STOCK 126650100 557 8505 SH DFND 2 8505 0 0 DANAHER CORP COMMON STOCK 235851102 133 1293 SH DFND 2 1293 0 0 DEERE & CO COMMON STOCK 244199105 154 1030 SH DFND 2 1030 0 0 DISCOVER FINL SVCS COMMON STOCK 254709108 2 38 SH DFND 2 38 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 2752 25099 SH DFND 2 25099 0 0 DOLLAR GENERAL CORP COMMON STOCK 256677105 13 122 SH DFND 2 122 0 0 DOLLAR TREE INC COMMON STOCK 256746108 729 8075 SH DFND 2 8075 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 316 4417 SH DFND 2 4417 0 0 DONALDSON INC COMMON STOCK 257651109 9 210 SH DFND 2 210 0 0 DOWDUPONT INC COMMON STOCK 26078J100 634 11857 SH DFND 2 11857 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 100 1153 SH DFND 2 1153 0 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 28 430 SH DFND 2 430 0 0 EASTMAN CHEMICAL CO COMMON STOCK 277432100 3 37 SH DFND 2 37 0 0 EBAY INC COMMON STOCK 278642103 30 1060 SH DFND 2 1060 0 0 ECOLAB INC COMMON STOCK 278865100 690 4682 SH DFND 2 4682 0 0 EDISON INTERNATIONAL COMMON STOCK 281020107 20 350 SH DFND 2 350 0 0 ELECTRONIC ARTS INC COMMON STOCK 285512109 4 55 SH DFND 2 55 0 0 EMERSON ELEC CO COMMON STOCK 291011104 309 5168 SH DFND 2 5168 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 2 74 SH DFND 2 74 0 0 EOG RES INC COMMON STOCK 26875P101 576 6610 SH DFND 2 6610 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 2594 38039 SH DFND 2 38039 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 1383 10547 SH DFND 2 10547 0 0 FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 12 60 SH DFND 2 60 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 471 2920 SH DFND 2 2920 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 30 801 SH DFND 2 801 0 0 FISERV INC COMMON STOCK 337738108 363 4935 SH DFND 2 4935 0 0 FNF GROUP COMMON STOCK 31620R303 94 3000 SH DFND 2 3000 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 5 650 SH DFND 2 650 0 0 FORTIVE CORP COMMON STOCK 34959J108 456 6739 SH DFND 2 6739 0 0 FORTUNE BRANDS HOME & SECURITY COMMON STOCK 34964C106 15 400 SH DFND 2 400 0 0 FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A306 0 4 SH DFND 2 4 0 0 F5 NETWORKS INC COMMON STOCK 315616102 45 280 SH DFND 2 280 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 993 6318 SH DFND 2 6318 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 211 27930 SH DFND 2 27930 0 0 GENERAL MLS INC COMMON STOCK 370334104 417 10701 SH DFND 2 10701 0 0 GENERAL MOTORS CO COMMON STOCK 37045V100 24 725 SH DFND 2 725 0 0 GENUINE PARTS CO COMMON STOCK 372460105 20 210 SH DFND 2 210 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 369 5907 SH DFND 2 5907 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1028 6156 SH DFND 2 6156 0 0 GRAINGER W W INC COMMON STOCK 384802104 34 120 SH DFND 2 120 0 0 GRUBHUB INC COMMON STOCK 400110102 46 600 SH DFND 2 600 0 0 HALLIBURTON CO COMMON STOCK 406216101 41 1555 SH DFND 2 1555 0 0 HARRIS CORP COMMON STOCK 413875105 3 25 SH DFND 2 25 0 0 HARTFORD FINL SERVICES GROUP I COMMON STOCK 416515104 4 100 SH DFND 2 100 0 0 HASBRO INC COMMON STOCK 418056107 4 53 SH DFND 2 53 0 0 HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 85 2319 SH DFND 2 2319 0 0 HELMERICH & PAYNE INC COMMON STOCK 423452101 7 150 SH DFND 2 150 0 0 HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 0 1 SH DFND 2 1 0 0 HEXCEL CORP COMMON STOCK 428291108 44 775 SH DFND 2 775 0 0 HOLLYFRONTIER CORP COMMON STOCK 436106108 3 50 SH DFND 2 50 0 0 HOME DEPOT INC COMMON STOCK 437076102 3036 17669 SH DFND 2 17669 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1869 14145 SH DFND 2 14145 0 0 HORMEL FOODS CORP COMMON STOCK 440452100 3 80 SH DFND 2 80 0 0 HUMANA INC COMMON STOCK 444859102 17 60 SH DFND 2 60 0 0 HUNT JB TRANSPORT SERVICES INC COMMON STOCK 445658107 12 125 SH DFND 2 125 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 65 515 SH DFND 2 515 0 0 INTEL CORP COMMON STOCK 458140100 1908 40662 SH DFND 2 40662 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2077 27577 SH DFND 2 27577 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 732 5454 SH DFND 2 5454 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 76 1875 SH DFND 2 1875 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 406 3573 SH DFND 2 3573 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 96 200 SH DFND 2 200 0 0 J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 1 172 SH DFND 2 172 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 15 120 SH DFND 2 120 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 159 2726 SH DFND 2 2726 0 0 JM SMUCKER CO COMMON STOCK 832696405 5 50 SH DFND 2 50 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3767 29188 SH DFND 2 29188 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3697 37870 SH DFND 2 37870 0 0 KADANT INC COMMON STOCK 48282T104 66 809 SH DFND 2 809 0 0 KELLOGG CO COMMON STOCK 487836108 11 190 SH DFND 2 190 0 0 KEYCORP COMMON STOCK 493267108 12 812 SH DFND 2 812 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 25 220 SH DFND 2 220 0 0 KOHLS CORP COMMON STOCK 500255104 5 75 SH DFND 2 75 0 0 KRAFT HEINZ CO COMMON STOCK 500754106 12 289 SH DFND 2 289 0 0 LEIDOS HOLDINGS INC COMMON STOCK 525327102 5 100 SH DFND 2 100 0 0 LENNAR CORP CL A COMMON STOCK 526057104 2 50 SH DFND 2 50 0 0 LILLY ELI & CO COMMON STOCK 532457108 360 3107 SH DFND 2 3107 0 0 LOCKHEED MARTIN 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PARKER HANNIFIN CORP COMMON STOCK 701094104 4 25 SH DFND 2 25 0 0 PAYCHEX INC COMMON STOCK 704326107 999 15333 SH DFND 2 15333 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 3240 38528 SH DFND 2 38528 0 0 PEPSICO INC COMMON STOCK 713448108 2368 21434 SH DFND 2 21434 0 0 PFIZER INC COMMON STOCK 717081103 2721 62347 SH DFND 2 62347 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 576 8633 SH DFND 2 8633 0 0 PHILLIPS 66 COMMON STOCK 718546104 1290 14975 SH DFND 2 14975 0 0 PNC FINANCIAL SERVICES GROUP I COMMON STOCK 693475105 36 309 SH DFND 2 309 0 0 PPG INDUSTRIES INC COMMON STOCK 693506107 49 476 SH DFND 2 476 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2422 26354 SH DFND 2 26354 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 276 3389 SH DFND 2 3389 0 0 PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 3 62 SH DFND 2 62 0 0 QUALCOMM INC COMMON STOCK 747525103 14 240 SH DFND 2 240 0 0 QUANTUM CORP COMMON STOCK 747906501 0 12 SH DFND 2 12 0 0 RAYTHEON COMPANY COMMON STOCK 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DFND 2 720 0 0 YUM! BRANDS INC COMMON STOCK 988498101 66 720 SH DFND 2 720 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 261 2512 SH DFND 2 2512 0 0 ZOETIS INC COMMON STOCK 98978V103 41 485 SH DFND 2 485 0 0 3M CO COMMON STOCK 88579Y101 913 4793 SH DFND 2 4793 0 0 ALIBABA GROUP HOLDING LTD SPON COMMON STOCK 01609W102 20 145 SH DFND 2 145 0 0 ANHEUSER-BUSCH INBEV SPONS ADR COMMON STOCK 03524A108 2 24 SH DFND 2 24 0 0 ARCELORMITTAL SA SPONS ADR COMMON STOCK 03938L203 3 154 SH DFND 2 154 0 0 BAOZUN INC SPONS ADR COMMON STOCK 06684L103 4 126 SH DFND 2 126 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 80 2122 SH DFND 2 2122 0 0 GW PHARMACEUTICALS PLC SPONS A COMMON STOCK 36197T103 2 20 SH DFND 2 20 0 0 KONINKLIJKE PHILIPS NV SPONS A COMMON STOCK 500472303 49 1400 SH DFND 2 1400 0 0 NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 1 28 SH DFND 2 28 0 0 ROYAL DUTCH SHELL SPONS ADR COMMON STOCK 780259206 63 1086 SH DFND 2 1086 0 0 VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 7 343 SH DFND 2 343 0 0 AGNC INVESTMENT CORP REIT COMMON STOCK 00123Q104 4 200 SH DFND 2 200 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 3 22 SH DFND 2 22 0 0 AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 5 30 SH DFND 2 30 0 0 HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 4 260 SH DFND 2 260 0 0 INNOVATIVE INDUSTRIAL PROP CL COMMON STOCK 45781V101 2 50 SH DFND 2 50 0 0 PARK HOTELS & RESORTS INC REIT COMMON STOCK 700517105 3 112 SH DFND 2 112 0 0 WEYERHAEUSER CO REIT COMMON STOCK 962166104 57 2591 SH DFND 2 2591 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 43450 1356974 SH DFND 2 1356974 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 20 140 SH DFND 2 140 0 0 ALLERGAN PLC COMMON STOCK G0177J108 166 1242 SH DFND 2 1242 0 0 BANK OF MONTREAL COMMON STOCK 063671101 5 75 SH DFND 2 75 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 4 300 SH DFND 2 300 0 0 CANOPY GROWTH CORP COMMON STOCK 138035100 2 83 SH DFND 2 83 0 0 CARNIVAL CORP COMMON STOCK 143658300 59 1200 SH DFND 2 1200 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 610 5943 SH DFND 2 5943 0 0 CRONOS GROUP INC COMMON STOCK 22717L101 3 242 SH DFND 2 242 0 0 INGERSOLL-RAND PLC COMMON STOCK G47791101 8 86 SH DFND 2 86 0 0 JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 21 710 SH DFND 2 710 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 8 100 SH DFND 2 100 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 3 236 SH DFND 2 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 408 4490 SH DFND 2 4490 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 7 100 SH DFND 2 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 202 5595 SH DFND 2 5595 0 0 SHOPIFY INC CL A COMMON STOCK 82509L107 12 85 SH DFND 2 85 0 0 SPOTIFY TECHNOLOGY SA COMMON STOCK L8681T102 11 100 SH DFND 2 100 0 0 THOMSON REUTERS CORP COMMON STOCK 884903709 9 191 SH DFND 2 191 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 99 1982 SH DFND 2 1982 0 0 ALPS SECTOR DIVIDEND DOGS ETF OTHER 00162Q858 121 3085 SH DFND 2 3085 0 0 CONSUMER DISCRETIONARY SELT OTHER 81369Y407 241 2433 SH DFND 2 2433 0 0 CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 95 1876 SH DFND 2 1876 0 0 ENERGY SELECT SECTOR SPDR OTHER 81369Y506 110 1926 SH DFND 2 1926 0 0 FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 372 15636 SH DFND 2 15636 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 25 1350 SH DFND 2 1350 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 377 4353 SH DFND 2 4353 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 204 3164 SH DFND 2 3164 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 75 300 SH DFND 2 300 0 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 51 809 SH DFND 2 809 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 49 842 SH DFND 2 842 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 55 1402 SH DFND 2 1402 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 783 16844 SH DFND 2 16844 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 583 4356 SH DFND 2 4356 0 0 ISHARES RUSSELL 2000 GROWTH ET OTHER 464287648 130 775 SH DFND 2 775 0 0 ISHARES S&P SMALLCAP 600 OTHER 464287804 6257 90267 SH DFND 2 90267 0 0 ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 4188 25219 SH DFND 2 25219 0 0 ISHARES S&P 500 VALUE ETF OTHER 464287408 369 3650 SH DFND 2 3650 0 0 ISHARES U.S. AEROSPACE & DEF OTHER 464288760 25 145 SH DFND 2 145 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 29 735 SH DFND 2 735 0 0 ISHARES US UTILITIES ETF OTHER 464287697 32 235 SH DFND 2 235 0 0 MATERIALS SELECT SPDR FUND OTHER 81369Y100 621 12284 SH DFND 2 12284 0 0 REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 2 59 SH DFND 2 59 0 0 SPDR GOLD TRUST OTHER 78463V107 12 100 SH DFND 2 100 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 455 14012 SH DFND 2 14012 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 2654 97730 SH DFND 2 97730 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 99 1375 SH DFND 2 1375 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 36 1260 SH DFND 2 1260 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 149 492 SH DFND 2 492 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 233 3710 SH DFND 2 3710 0 0 SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 172 3750 SH DFND 2 3750 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 7171 28693 SH DFND 2 28693 0 0 SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 32 526 SH DFND 2 526 0 0 TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 534 8608 SH DFND 2 8608 0 0 UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 394 7448 SH DFND 2 7448 0 0 VANECK VECTORS BIOTECH ETF OTHER 92189F726 28 250 SH DFND 2 250 0 0 VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 177 4772 SH DFND 2 4772 0 0 VANGUARD GROWTH ETF OTHER 922908736 75 556 SH DFND 2 556 0 0 VANGUARD MID-CAP ETF OTHER 922908629 195 1408 SH DFND 2 1408 0 0 VANGUARD MID-CAP GROWTH ETF OTHER 922908538 284 2375 SH DFND 2 2375 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 328 4398 SH DFND 2 4398 0 0 ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 11 100 SH DFND 2 100 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 396 4734 SH DFND 2 4734 0 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 11336 106455 SH DFND 2 106455 0 0 ISHARES SHORT-TERM CORPORATE B OTHER 464288646 2304 44616 SH DFND 2 44616 0 0 SPDR BLOOMBERG BARCLAYS INTL C OTHER 78464A151 73 2210 SH DFND 2 2210 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 127 1169 SH DFND 2 1169 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4434 80948 SH DFND 2 80948 0 0 ABBOTT LABS COMMON STOCK 002824100 14 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 18 200 SH OTR 0 200 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH OTR 0 300 0 AMGEN INC COMMON STOCK 031162100 29 150 SH OTR 0 150 0 ANALOG DEVICES INC COMMON STOCK 032654105 15 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 17 105 SH OTR 0 105 0 AT&T INC COMMON STOCK 00206R102 9 300 SH OTR 0 300 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 13 250 SH OTR 0 250 0 CHEVRON CORPORATION COMMON STOCK 166764100 21 190 SH OTR 0 190 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 17 400 SH OTR 0 400 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 12 200 SH OTR 0 200 0 DANAHER CORP COMMON STOCK 235851102 10 101 SH OTR 0 101 0 DISNEY WALT CO NEW COMMON STOCK 254687106 22 200 SH OTR 0 200 0 DOMINION ENERGY INC COMMON STOCK 25746U109 14 200 SH OTR 0 200 0 DOWDUPONT INC COMMON STOCK 26078J100 11 200 SH OTR 0 200 0 EXXONMOBIL CORP COMMON STOCK 30231G102 15 220 SH OTR 0 220 0 GENERAL MLS INC COMMON STOCK 370334104 4 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 17 100 SH OTR 0 100 0 INTEL CORP COMMON STOCK 458140100 19 400 SH OTR 0 400 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 11 100 SH OTR 0 100 0 JOHNSON & JOHNSON COMMON STOCK 478160104 19 150 SH OTR 0 150 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 5 48 SH OTR 0 48 0 MCDONALDS CORP COMMON STOCK 580135101 18 100 SH OTR 0 100 0 MICROSOFT CORP COMMON STOCK 594918104 41 400 SH OTR 0 400 0 ORACLE CORPORATION COMMON STOCK 68389X105 14 300 SH OTR 0 300 0 PEPSICO INC COMMON STOCK 713448108 17 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 14 150 SH OTR 0 150 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 23 250 SH OTR 0 250 0 TJX COS INC COMMON STOCK 872540109 18 400 SH OTR 0 400 0 VISA INC CL A COMMON STOCK 92826C839 9 70 SH OTR 0 70 0 WELLS FARGO & CO COMMON STOCK 949746101 28 600 SH OTR 0 600 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 36 559 SH OTR 0 559 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 53 1359 SH OTR 0 1359 0 ABBOTT LABS COMMON STOCK 002824100 10 143 SH SOLE 143 0 0 ABBVIE INC COMMON STOCK 00287Y109 7 75 SH SOLE 75 0 0 ADOBE INC COMMON STOCK 00724F101 37 163 SH SOLE 163 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 534 511 SH SOLE 511 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 67 65 SH SOLE 65 0 0 ALTABA INC COMMON STOCK 021346101 6 100 SH SOLE 100 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 28 576 SH SOLE 576 0 0 AMAZON.COM INC COMMON STOCK 023135106 518 345 SH SOLE 345 0 0 AMERICAN AIRLINES GROUP INC COMMON STOCK 02376R102 48 1488 SH SOLE 1488 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 29 300 SH SOLE 300 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 13 340 SH SOLE 340 0 0 AMGEN INC COMMON STOCK 031162100 224 1153 SH SOLE 1153 0 0 APPLE INC COMMON STOCK 037833100 730 4627 SH SOLE 4627 0 0 AT&T INC COMMON STOCK 00206R102 12 436 SH SOLE 436 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 54 415 SH SOLE 415 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 163 6600 SH SOLE 6600 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 9 190 SH SOLE 190 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 262 1281 SH SOLE 1281 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 78 198 SH SOLE 198 0 0 BOEING CO COMMON STOCK 097023105 16 50 SH SOLE 50 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 47 27 SH SOLE 27 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 112 2149 SH SOLE 2149 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 76 1000 SH SOLE 1000 0 0 CELGENE CORP COMMON STOCK 151020104 40 620 SH SOLE 620 0 0 CERNER CORP COMMON STOCK 156782104 17 324 SH SOLE 324 0 0 CHENIERE ENERGY INC COMMON STOCK 16411R208 17 280 SH SOLE 280 0 0 CHENIERE ENERGY PARTNERS LP COMMON STOCK 16411Q101 36 1000 SH SOLE 1000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 177 1623 SH SOLE 1623 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 22 500 SH SOLE 500 0 0 CITIGROUP INC COMMON STOCK 172967424 52 1000 SH SOLE 1000 0 0 COCA COLA CO COMMON STOCK 191216100 131 2775 SH SOLE 2775 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 40 670 SH SOLE 670 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 56 895 SH SOLE 895 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 130 809 SH SOLE 809 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 146 717 SH SOLE 717 0 0 CUMMINS INC COMMON STOCK 231021106 21 160 SH SOLE 160 0 0 CVS HEALTH CORP COMMON STOCK 126650100 23 358 SH SOLE 358 0 0 DANAHER CORP COMMON STOCK 235851102 9 89 SH SOLE 89 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 231 2110 SH SOLE 2110 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 19 260 SH SOLE 260 0 0 DOWDUPONT INC COMMON STOCK 26078J100 25 474 SH SOLE 474 0 0 DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 6 100 SH SOLE 100 0 0 ECOLAB INC COMMON STOCK 278865100 73 494 SH SOLE 494 0 0 EMERSON ELEC CO COMMON STOCK 291011104 12 200 SH SOLE 200 0 0 EOG RES INC COMMON STOCK 26875P101 44 499 SH SOLE 499 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 248 3639 SH SOLE 3639 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 171 1304 SH SOLE 1304 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 90 555 SH SOLE 555 0 0 FORTIVE CORP COMMON STOCK 34959J108 22 332 SH SOLE 332 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 37 238 SH SOLE 238 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 44 5750 SH SOLE 5750 0 0 GENERAL MLS INC COMMON STOCK 370334104 39 1002 SH SOLE 1002 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 70 1122 SH SOLE 1122 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 83 496 SH SOLE 496 0 0 HOME DEPOT INC COMMON STOCK 437076102 231 1343 SH SOLE 1343 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 167 1264 SH SOLE 1264 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 30 240 SH SOLE 240 0 0 INTEL CORP COMMON STOCK 458140100 127 2705 SH SOLE 2705 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 74 980 SH SOLE 980 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 92 682 SH SOLE 682 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 12 290 SH SOLE 290 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 45 393 SH SOLE 393 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 7 125 SH SOLE 125 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 336 2603 SH SOLE 2603 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 365 3741 SH SOLE 3741 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 6 50 SH SOLE 50 0 0 KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH SOLE 50 0 0 KRAFT HEINZ CO COMMON STOCK 500754106 4 100 SH SOLE 100 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 21 82 SH SOLE 82 0 0 LOWES COS INC COMMON STOCK 548661107 17 180 SH SOLE 180 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 158 1458 SH SOLE 1458 0 0 MASCO CORP COMMON STOCK 574599106 54 1852 SH SOLE 1852 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 52 273 SH SOLE 273 0 0 MCDONALDS CORP COMMON STOCK 580135101 75 425 SH SOLE 425 0 0 MERCK & CO INC COMMON STOCK 58933Y105 255 3341 SH SOLE 3341 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 40 550 SH SOLE 550 0 0 MICROSOFT CORP COMMON STOCK 594918104 551 5425 SH SOLE 5425 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 325 SH SOLE 325 0 0 MORGAN STANLEY COMMON STOCK 617446448 123 3104 SH SOLE 3104 0 0 NETFLIX INC COMMON STOCK 64110L106 348 1301 SH SOLE 1301 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 130 748 SH SOLE 748 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 45 605 SH SOLE 605 0 0 NVIDIA CORP COMMON STOCK 67066G104 17 130 SH SOLE 130 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 25 407 SH SOLE 407 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 117 2586 SH SOLE 2586 0 0 PAYCHEX INC COMMON STOCK 704326107 49 756 SH SOLE 756 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 258 3073 SH SOLE 3073 0 0 PEPSICO INC COMMON STOCK 713448108 181 1641 SH SOLE 1641 0 0 PFIZER INC COMMON STOCK 717081103 182 4161 SH SOLE 4161 0 0 PHILLIPS 66 COMMON STOCK 718546104 131 1521 SH SOLE 1521 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 158 1717 SH SOLE 1717 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 29 350 SH SOLE 350 0 0 RAYTHEON COMPANY COMMON STOCK 755111507 20 132 SH SOLE 132 0 0 RED HAT INC COMMON STOCK 756577102 25 145 SH SOLE 145 0 0 SALESFORCE.COM COMMON STOCK 79466L302 214 1561 SH SOLE 1561 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 67 1444 SH SOLE 1444 0 0 STARBUCKS CORP COMMON STOCK 855244109 179 2775 SH SOLE 2775 0 0 STATE STREET CORP COMMON STOCK 857477103 15 245 SH SOLE 245 0 0 STRYKER CORPORATION COMMON STOCK 863667101 142 906 SH SOLE 906 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 32 347 SH SOLE 347 0 0 TESLA INC COMMON STOCK 88160R101 44 133 SH SOLE 133 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 53 236 SH SOLE 236 0 0 TJX COS INC COMMON STOCK 872540109 109 2438 SH SOLE 2438 0 0 UNDER ARMOUR INC CL C COMMON STOCK 904311206 11 679 SH SOLE 679 0 0 UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 12 675 SH SOLE 675 0 0 UNION PAC CORP COMMON STOCK 907818108 124 896 SH SOLE 896 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 17 175 SH SOLE 175 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 85 795 SH SOLE 795 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 299 1200 SH SOLE 1200 0 0 US BANCORP NEW COMMON STOCK 902973304 125 2726 SH SOLE 2726 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 66 882 SH SOLE 882 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 126 2244 SH SOLE 2244 0 0 VISA INC CL A COMMON STOCK 92826C839 409 3099 SH SOLE 3099 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 67 678 SH SOLE 678 0 0 WALMART INC COMMON STOCK 931142103 83 888 SH SOLE 888 0 0 WELLS FARGO & CO COMMON STOCK 949746101 73 1595 SH SOLE 1595 0 0 WILLIAMS COS INC COMMON STOCK 969457100 9 422 SH SOLE 422 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 8 75 SH SOLE 75 0 0 3M CO COMMON STOCK 88579Y101 119 625 SH SOLE 625 0 0 DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 40 380 SH SOLE 380 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 897 28009 SH SOLE 28009 0 0 ALLERGAN PLC COMMON STOCK G0177J108 20 150 SH SOLE 150 0 0 CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 15 200 SH SOLE 200 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 27 261 SH SOLE 261 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 11 122 SH SOLE 122 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 37 1034 SH SOLE 1034 0 0 CONSUMER DISCRETIONARY SELT OTHER 81369Y407 65 653 SH SOLE 653 0 0 CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 26 504 SH SOLE 504 0 0 ENERGY SELECT SECTOR SPDR OTHER 81369Y506 13 219 SH SOLE 219 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 73 844 SH SOLE 844 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 45 698 SH SOLE 698 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 128 510 SH SOLE 510 0 0 ISHARES INTERNATIONAL SELECT OTHER 464288448 4 145 SH SOLE 145 0 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 23 355 SH SOLE 355 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 24 400 SH SOLE 400 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 39 992 SH SOLE 992 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 106 2284 SH SOLE 2284 0 0 ISHARES RUSSELL 3000 ETF OTHER 464287689 29 200 SH SOLE 200 0 0 ISHARES S&P SMALLCAP 600 OTHER 464287804 482 6957 SH SOLE 6957 0 0 ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 29 173 SH SOLE 173 0 0 ISHARES S&P 500 GROWTH ETF OTHER 464287309 15 100 SH SOLE 100 0 0 ISHARES S&P 500 VALUE ETF OTHER 464287408 53 520 SH SOLE 520 0 0 MATERIALS SELECT SPDR FUND OTHER 81369Y100 65 1296 SH SOLE 1296 0 0 REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 4 144 SH SOLE 144 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 7 250 SH SOLE 250 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 79 1257 SH SOLE 1257 0 0 TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 109 1766 SH SOLE 1766 0 0 UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 54 1012 SH SOLE 1012 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH SOLE 142 0 0 ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 1047 9836 SH SOLE 9836 0 0 ISHARES SHORT-TERM CORPORATE B OTHER 464288646 12 228 SH SOLE 228 0 0 JOHN HANCOCK PFD INCOME III OTHER 41021P103 14 875 SH SOLE 875 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1033 18859 SH SOLE 18859 0 0 ABBOTT LABS COMMON STOCK 002824100 1067 14750 SH DFND 3 14750 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 838 18000 SH DFND 3 18000 0 0 ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 195 2000 SH DFND 3 2000 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 4180 4000 SH DFND 3 4000 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 1 1 SH DFND 3 1 0 0 AMAZON.COM INC COMMON STOCK 023135106 7367 4905 SH DFND 3 4905 0 0 AMERISOURCEBERGEN CORP COMMON STOCK 03073E105 1302 17500 SH DFND 3 17500 0 0 AMGEN INC COMMON STOCK 031162100 2433 12500 SH DFND 3 12500 0 0 ANADARKO PETROLEUM CORPORATION COMMON STOCK 032511107 307 7000 SH DFND 3 7000 0 0 APPLE INC COMMON STOCK 037833100 5158 32700 SH DFND 3 32700 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2473 100385 SH DFND 3 100385 0 0 BB&T CORPORATION COMMON STOCK 054937107 1083 25000 SH DFND 3 25000 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2088 10225 SH DFND 3 10225 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 1402 3570 SH DFND 3 3570 0 0 BOEING CO COMMON STOCK 097023105 645 2000 SH DFND 3 2000 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1512 20000 SH DFND 3 20000 0 0 CATERPILLAR INC COMMON STOCK 149123101 585 4600 SH DFND 3 4600 0 0 CELGENE CORP COMMON STOCK 151020104 449 7000 SH DFND 3 7000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1360 12500 SH DFND 3 12500 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1039 5100 SH DFND 3 5100 0 0 CVS HEALTH CORP COMMON STOCK 126650100 1048 16000 SH DFND 3 16000 0 0 DANAHER CORP COMMON STOCK 235851102 516 5000 SH DFND 3 5000 0 0 DOMINOS PIZZA INC COMMON STOCK 25754A201 3720 15000 SH DFND 3 15000 0 0 ECOLAB INC COMMON STOCK 278865100 575 3900 SH DFND 3 3900 0 0 EXXONMOBIL CORP COMMON STOCK 30231G102 614 9000 SH DFND 3 9000 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 3513 26800 SH DFND 3 26800 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 1452 9000 SH DFND 3 9000 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1503 9000 SH DFND 3 9000 0 0 GRUBHUB INC COMMON STOCK 400110102 2304 30000 SH DFND 3 30000 0 0 HOME DEPOT INC COMMON STOCK 437076102 1512 8800 SH DFND 3 8800 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1321 10000 SH DFND 3 10000 0 0 HUNT JB TRANSPORT SERVICES INC COMMON STOCK 445658107 372 4000 SH DFND 3 4000 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1782 23650 SH DFND 3 23650 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 403 3000 SH DFND 3 3000 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 2387 18500 SH DFND 3 18500 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 2411 24700 SH DFND 3 24700 0 0 MASCO CORP COMMON STOCK 574599106 1608 55000 SH DFND 3 55000 0 0 MERCK & CO INC COMMON STOCK 58933Y105 2132 27900 SH DFND 3 27900 0 0 MICROSOFT CORP COMMON STOCK 594918104 3839 37800 SH DFND 3 37800 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1673 34000 SH DFND 3 34000 0 0 MORGAN STANLEY COMMON STOCK 617446448 1983 50000 SH DFND 3 50000 0 0 NETFLIX INC COMMON STOCK 64110L106 3232 12075 SH DFND 3 12075 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 993 13400 SH DFND 3 13400 0 0 NVIDIA CORP COMMON STOCK 67066G104 668 5000 SH DFND 3 5000 0 0 PEPSICO INC COMMON STOCK 713448108 1569 14200 SH DFND 3 14200 0 0 PFIZER INC COMMON STOCK 717081103 2270 52000 SH DFND 3 52000 0 0 PHILLIPS 66 COMMON STOCK 718546104 1551 18000 SH DFND 3 18000 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 1425 15500 SH DFND 3 15500 0 0 RAYTHEON COMPANY COMMON STOCK 755111507 368 2400 SH DFND 3 2400 0 0 RED HAT INC COMMON STOCK 756577102 351 2000 SH DFND 3 2000 0 0 RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 34 1667 SH DFND 3 1667 0 0 SALESFORCE.COM COMMON STOCK 79466L302 2835 20700 SH DFND 3 20700 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 1574 4000 SH DFND 3 4000 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1394 30000 SH DFND 3 30000 0 0 STRYKER CORPORATION COMMON STOCK 863667101 1724 11000 SH DFND 3 11000 0 0 T-MOBILE US INC COMMON STOCK 872590104 159 2500 SH DFND 3 2500 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 1119 5000 SH DFND 3 5000 0 0 TJX COS INC COMMON STOCK 872540109 676 15100 SH DFND 3 15100 0 0 TWITTER INC COMMON STOCK 90184L102 862 30000 SH DFND 3 30000 0 0 UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH DFND 3 1 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 878 9000 SH DFND 3 9000 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 831 7800 SH DFND 3 7800 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3114 12500 SH DFND 3 12500 0 0 US BANCORP NEW COMMON STOCK 902973304 676 14800 SH DFND 3 14800 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 843 15000 SH DFND 3 15000 0 0 VISA INC CL A COMMON STOCK 92826C839 6755 51200 SH DFND 3 51200 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 701 7100 SH DFND 3 7100 0 0 WALMART INC COMMON STOCK 931142103 2264 24300 SH DFND 3 24300 0 0 ZOETIS INC COMMON STOCK 98978V103 299 3500 SH DFND 3 3500 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 500 5500 SH DFND 3 5500 0 0