<SEC-DOCUMENT>0000717538-19-000212-index.html : 20191028
<SEC-HEADER>0000717538-19-000212.hdr.sgml : 20191028
<ACCEPTANCE-DATETIME>20191028113455
ACCESSION NUMBER:		0000717538-19-000212
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20191025
FILED AS OF DATE:		20191028
DATE AS OF CHANGE:		20191028

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			OWENS WILLIAM L
		CENTRAL INDEX KEY:			0001204724

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12507
		FILM NUMBER:		191171760

	MAIL ADDRESS:	
		STREET 1:		42 BLUE HERRON WAY
		CITY:			PLATTSBURGH
		STATE:			NY
		ZIP:			12901

ISSUER:		

	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

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>wf-form4_157227686499126.xml
<DESCRIPTION>FORM 4
<TEXT>
Document 1 - file: wf-form4_157227686499126.html

Document 1 - RAW XML: wf-form4_157227686499126.xml

</DOCUMENT>
</SEC-DOCUMENT>