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 120 1,100 SH   OTR 2 0 1,100 0
ABBVIE INC COMMON STOCK 00287Y109 177 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101 115 235 SH   OTR 2 0 235 0
ALPHABET INC CL A COMMON STOCK 02079K305 468 319 SH   OTR 2 0 319 0
ALPHABET INC CL C COMMON STOCK 02079K107 169 115 SH   OTR 2 0 115 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106 469 149 SH   OTR 2 0 149 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 138 1,380 SH   OTR 2 0 1,380 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 44 305 SH   OTR 2 0 305 0
AMGEN INC COMMON STOCK 031162100 64 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 1,351 11,667 SH   OTR 2 0 11,667 0
AT&T INC COMMON STOCK 00206R102 148 5,184 SH   OTR 2 0 5,184 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 492 3,525 SH   OTR 2 0 3,525 0
BANK OF AMERICA CORP COMMON STOCK 060505104 131 5,420 SH   OTR 2 0 5,420 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 51 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 153 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109 34 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 269 1,265 SH   OTR 2 0 1,265 0
BLACKROCK INC CL A COMMON STOCK 09247X101 127 225 SH   OTR 2 0 225 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 146 2,420 SH   OTR 2 0 2,420 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 9 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 171 5,615 SH   OTR 2 0 5,615 0
CATERPILLAR INC COMMON STOCK 149123101 153 1,025 SH   OTR 2 0 1,025 0
CHEVRON CORPORATION COMMON STOCK 166764100 190 2,634 SH   OTR 2 0 2,634 0
CIGNA CORP COMMON STOCK 125523100 7 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 50 1,280 SH   OTR 2 0 1,280 0
CLOROX COMPANY COMMON STOCK 189054109 21 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100 100 2,030 SH   OTR 2 0 2,030 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 455 5,900 SH   OTR 2 0 5,900 0
COMCAST CORP-CL A COMMON STOCK 20030N101 14 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 40 1,221 SH   OTR 2 0 1,221 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 152 802 SH   OTR 2 0 802 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 43 120 SH   OTR 2 0 120 0
CUMMINS INC COMMON STOCK 231021106 23 110 SH   OTR 2 0 110 0
CVS HEALTH CORP COMMON STOCK 126650100 23 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 33 151 SH   OTR 2 0 151 0
DISNEY WALT CO NEW COMMON STOCK 254687106 231 1,862 SH   OTR 2 0 1,862 0
DOLLAR TREE INC COMMON STOCK 256746108 16 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109 45 575 SH   OTR 2 0 575 0
DOW INC COMMON STOCK 260557103 2 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107 33 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 56 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 220 1,100 SH   OTR 2 0 1,100 0
EMERSON ELEC CO COMMON STOCK 291011104 208 3,170 SH   OTR 2 0 3,170 0
EOG RES INC COMMON STOCK 26875P101 1 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102 294 8,560 SH   OTR 2 0 8,560 0
FACEBOOK INC-A COMMON STOCK 30303M102 43 165 SH   OTR 2 0 165 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 33 235 SH   OTR 2 0 235 0
GILEAD SCIENCES INC COMMON STOCK 375558103 19 295 SH   OTR 2 0 295 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 5 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102 526 1,895 SH   OTR 2 0 1,895 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 147 890 SH   OTR 2 0 890 0
INTEL CORP COMMON STOCK 458140100 434 8,385 SH   OTR 2 0 8,385 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 61 605 SH   OTR 2 0 605 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 631 5,188 SH   OTR 2 0 5,188 0
INTUIT INC COMMON STOCK 461202103 264 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 63 675 SH   OTR 2 0 675 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,045 7,022 SH   OTR 2 0 7,022 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 739 7,675 SH   OTR 2 0 7,675 0
KELLOGG CO COMMON STOCK 487836108 75 1,155 SH   OTR 2 0 1,155 0
KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108 303 2,050 SH   OTR 2 0 2,050 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 19 50 SH   OTR 2 0 50 0
LOWES COS INC COMMON STOCK 548661107 203 1,225 SH   OTR 2 0 1,225 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 6 65 SH   OTR 2 0 65 0
MASCO CORP COMMON STOCK 574599106 12 225 SH   OTR 2 0 225 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 30 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101 93 425 SH   OTR 2 0 425 0
MERCK & CO INC COMMON STOCK 58933Y105 328 3,950 SH   OTR 2 0 3,950 0
METLIFE INC COMMON STOCK 59156R108 9 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 2,125 10,105 SH   OTR 2 0 10,105 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 102 2,100 SH   OTR 2 0 2,100 0
NETFLIX INC COMMON STOCK 64110L106 58 115 SH   OTR 2 0 115 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 175 630 SH   OTR 2 0 630 0
NIKE INC-CLASS B COMMON STOCK 654106103 373 2,970 SH   OTR 2 0 2,970 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 144 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 162 300 SH   OTR 2 0 300 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 1 100 SH   OTR 2 0 100 0
ORACLE CORPORATION COMMON STOCK 68389X105 368 6,165 SH   OTR 2 0 6,165 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 156 2,496 SH   OTR 2 0 2,496 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 68 625 SH   OTR 2 0 625 0
PAYCHEX INC COMMON STOCK 704326107 130 1,635 SH   OTR 2 0 1,635 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 151 765 SH   OTR 2 0 765 0
PEPSICO INC COMMON STOCK 713448108 757 5,460 SH   OTR 2 0 5,460 0
PFIZER INC COMMON STOCK 717081103 416 11,330 SH   OTR 2 0 11,330 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 7 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 28 547 SH   OTR 2 0 547 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 803 5,780 SH   OTR 2 0 5,780 0
QUALCOMM INC COMMON STOCK 747525103 35 295 SH   OTR 2 0 295 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 57 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 334 5,798 SH   OTR 2 0 5,798 0
SEMPRA ENERGY COMMON STOCK 816851109 17 145 SH   OTR 2 0 145 0
SOUTHERN COMPANY COMMON STOCK 842587107 33 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109 186 2,160 SH   OTR 2 0 2,160 0
STRYKER CORPORATION COMMON STOCK 863667101 312 1,495 SH   OTR 2 0 1,495 0
SYSCO CORP COMMON STOCK 871829107 20 315 SH   OTR 2 0 315 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 233 1,815 SH   OTR 2 0 1,815 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 30 210 SH   OTR 2 0 210 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 146 330 SH   OTR 2 0 330 0
TJX COS INC COMMON STOCK 872540109 125 2,245 SH   OTR 2 0 2,245 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 13 120 SH   OTR 2 0 120 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108 90 455 SH   OTR 2 0 455 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 117 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 112 360 SH   OTR 2 0 360 0
US BANCORP NEW COMMON STOCK 902973304 114 3,190 SH   OTR 2 0 3,190 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 27 625 SH   OTR 2 0 625 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 260 4,367 SH   OTR 2 0 4,367 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 82 300 SH   OTR 2 0 300 0
VIACOMCBS INC CL B COMMON STOCK 92556H206 22 776 SH   OTR 2 0 776 0
VISA INC CL A COMMON STOCK 92826C839 254 1,270 SH   OTR 2 0 1,270 0
WALMART INC COMMON STOCK 931142103 81 580 SH   OTR 2 0 580 0
WELLS FARGO & CO COMMON STOCK 949746101 36 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 24 1,230 SH   OTR 2 0 1,230 0
YUM! BRANDS INC COMMON STOCK 988498101 9 100 SH   OTR 2 0 100 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 51 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 352 2,200 SH   OTR 2 0 2,200 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 513 20,464 SH   OTR 2 0 20,464 0
EATON CORP PLC COMMON STOCK G29183103 66 650 SH   OTR 2 0 650 0
LINDE PLC COMMON STOCK G5494J103 65 275 SH   OTR 2 0 275 0
MEDTRONIC PLC COMMON STOCK G5960L103 102 982 SH   OTR 2 0 982 0
SCHLUMBERGER LTD COMMON STOCK 806857108 4 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 96 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 669 11,271 SH   OTR 2 0 11,271 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 856 5,826 SH   OTR 2 0 5,826 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 466 7,271 SH   OTR 2 0 7,271 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 132 4,402 SH   OTR 2 0 4,402 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 610 25,336 SH   OTR 2 0 25,336 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 921 8,727 SH   OTR 2 0 8,727 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 511 6,632 SH   OTR 2 0 6,632 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 56 300 SH   OTR 2 0 300 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 203 2,894 SH   OTR 2 0 2,894 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 4 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 17 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 29 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 185 2,902 SH   OTR 2 0 2,902 0
SPDR S&P BIOTECH ETF OTHER 78464A870 11 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 131 390 SH   OTR 2 0 390 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,801 15,431 SH   OTR 2 0 15,431 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 146 2,461 SH   OTR 2 0 2,461 0
VANGUARD REAL ESTATE ETF OTHER 922908553 314 3,976 SH   OTR 2 0 3,976 0
VANGUARD S&P 500 ETF OTHER 922908363 32 105 SH   OTR 2 0 105 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 43 500 SH   OTR 2 0 500 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 315 2,665 SH   OTR 2 0 2,665 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 50 1,888 SH   OTR 2 0 1,888 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 50 1,708 SH   OTR 2 0 1,708 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 126 2,300 SH   OTR 2 0 2,300 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 50 1,836 SH   OTR 2 0 1,836 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,129 13,630 SH   OTR 2 0 13,630 0
ABBOTT LABS COMMON STOCK 002824100 979 8,995 SH   SOLE   8,995 0 0
ABBVIE INC COMMON STOCK 00287Y109 544 6,213 SH   SOLE   6,213 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 11 135 SH   SOLE   135 0 0
ADOBE INC COMMON STOCK 00724F101 2,662 5,427 SH   SOLE   5,427 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 89 299 SH   SOLE   299 0 0
ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 27 240 SH   SOLE   240 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 6,230 4,251 SH   SOLE   4,251 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,736 1,181 SH   SOLE   1,181 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 237 6,131 SH   SOLE   6,131 0 0
AMAZON.COM INC COMMON STOCK 023135106 8,335 2,647 SH   SOLE   2,647 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 28 340 SH   SOLE   340 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 230 2,290 SH   SOLE   2,290 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 14 520 SH   SOLE   520 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 662 4,568 SH   SOLE   4,568 0 0
AMGEN INC COMMON STOCK 031162100 2,300 9,051 SH   SOLE   9,051 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 7 60 SH   SOLE   60 0 0
ANTARES PHARMA INC COMMON STOCK 036642106 38 14,000 SH   SOLE   14,000 0 0
APPLE INC COMMON STOCK 037833100 10,756 92,878 SH   SOLE   92,878 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 150 2,525 SH   SOLE   2,525 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 9 200 SH   SOLE   200 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 21 291 SH   SOLE   291 0 0
AT&T INC COMMON STOCK 00206R102 801 28,098 SH   SOLE   28,098 0 0
AUTODESK INC COMMON STOCK 052769106 18 80 SH   SOLE   80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 208 1,490 SH   SOLE   1,490 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,390 57,687 SH   SOLE   57,687 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 44 1,280 SH   SOLE   1,280 0 0
BAXTER INTL INC COMMON STOCK 071813109 35 430 SH   SOLE   430 0 0
BECTON DICKINSON COMMON STOCK 075887109 51 220 SH   SOLE   220 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,708 12,716 SH   SOLE   12,716 0 0
BEST BUY CO INC COMMON STOCK 086516101 6 50 SH   SOLE   50 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,509 4,453 SH   SOLE   4,453 0 0
BLACKSTONE GROUP INC CL A COMMON STOCK 09260D107 53 1,008 SH   SOLE   1,008 0 0
BOEING CO COMMON STOCK 097023105 79 480 SH   SOLE   480 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 344 201 SH   SOLE   201 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 30 795 SH   SOLE   795 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,902 31,548 SH   SOLE   31,548 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 26 355 SH   SOLE   355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 9 200 SH   SOLE   200 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 78 2,552 SH   SOLE   2,552 0 0
CATERPILLAR INC COMMON STOCK 149123101 263 1,760 SH   SOLE   1,760 0 0
CERNER CORP COMMON STOCK 156782104 60 828 SH   SOLE   828 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 23 625 SH   SOLE   625 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 794 11,024 SH   SOLE   11,024 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,706 43,299 SH   SOLE   43,299 0 0
CLOROX COMPANY COMMON STOCK 189054109 133 632 SH   SOLE   632 0 0
CME GROUP INC COMMON STOCK 12572Q105 63 378 SH   SOLE   378 0 0
CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH   SOLE   121 0 0
COCA COLA CO COMMON STOCK 191216100 1,396 28,280 SH   SOLE   28,280 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 279 3,614 SH   SOLE   3,614 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 142 3,078 SH   SOLE   3,078 0 0
CONDUENT INC COMMON STOCK 206787103 0 22 SH   SOLE   22 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 288 8,763 SH   SOLE   8,763 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 57 739 SH   SOLE   739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,310 6,913 SH   SOLE   6,913 0 0
CORNING INC COMMON STOCK 219350105 113 3,484 SH   SOLE   3,484 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1,615 4,550 SH   SOLE   4,550 0 0
CSX CORP COMMON STOCK 126408103 12 150 SH   SOLE   150 0 0
CUMMINS INC COMMON STOCK 231021106 1,090 5,164 SH   SOLE   5,164 0 0
CVS HEALTH CORP COMMON STOCK 126650100 26 444 SH   SOLE   444 0 0
DANAHER CORP COMMON STOCK 235851102 226 1,051 SH   SOLE   1,051 0 0
DEERE & CO COMMON STOCK 244199105 137 620 SH   SOLE   620 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,015 24,298 SH   SOLE   24,298 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 26 122 SH   SOLE   122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 1,233 13,499 SH   SOLE   13,499 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 271 3,429 SH   SOLE   3,429 0 0
DOW INC COMMON STOCK 260557103 59 1,258 SH   SOLE   1,258 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 96 1,086 SH   SOLE   1,086 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 54 655 SH   SOLE   655 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 68 1,234 SH   SOLE   1,234 0 0
EBAY INC COMMON STOCK 278642103 21 400 SH   SOLE   400 0 0
ECOLAB INC COMMON STOCK 278865100 655 3,276 SH   SOLE   3,276 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 18 350 SH   SOLE   350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   SOLE   25 0 0
EMERSON ELEC CO COMMON STOCK 291011104 110 1,675 SH   SOLE   1,675 0 0
EOG RES INC COMMON STOCK 26875P101 106 2,957 SH   SOLE   2,957 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 44 1,082 SH   SOLE   1,082 0 0
EVERSOURCE ENERGY COMMON STOCK 30040W108 36 435 SH   SOLE   435 0 0
EXELIXIS INC COMMON STOCK 30161Q104 12 510 SH   SOLE   510 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,000 29,128 SH   SOLE   29,128 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 1,112 4,244 SH   SOLE   4,244 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 20 60 SH   SOLE   60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 570 2,267 SH   SOLE   2,267 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 23 801 SH   SOLE   801 0 0
FISERV INC COMMON STOCK 337738108 301 2,925 SH   SOLE   2,925 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 67 10,050 SH   SOLE   10,050 0 0
FORTIVE CORP COMMON STOCK 34959J108 176 2,306 SH   SOLE   2,306 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,106 7,991 SH   SOLE   7,991 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 127 20,377 SH   SOLE   20,377 0 0
GENERAL MLS INC COMMON STOCK 370334104 283 4,589 SH   SOLE   4,589 0 0
GENERAL MOTORS CO COMMON STOCK 37045V100 30 1,000 SH   SOLE   1,000 0 0
GENUINE PARTS CO COMMON STOCK 372460105 20 210 SH   SOLE   210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 624 9,875 SH   SOLE   9,875 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 487 2,422 SH   SOLE   2,422 0 0
GRAINGER W W INC COMMON STOCK 384802104 50 140 SH   SOLE   140 0 0
HALLIBURTON CO COMMON STOCK 406216101 7 580 SH   SOLE   580 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 69 2,070 SH   SOLE   2,070 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,963 14,272 SH   SOLE   14,272 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,198 13,355 SH   SOLE   13,355 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 95 490 SH   SOLE   490 0 0
INFINERA CORP COMMON STOCK 45667G103 3 500 SH   SOLE   500 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 7 189 SH   SOLE   189 0 0
INTEL CORP COMMON STOCK 458140100 1,878 36,277 SH   SOLE   36,277 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,511 25,102 SH   SOLE   25,102 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 414 3,377 SH   SOLE   3,377 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 304 2,496 SH   SOLE   2,496 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 20 120 SH   SOLE   120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 105 1,137 SH   SOLE   1,137 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,711 24,928 SH   SOLE   24,928 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,191 33,151 SH   SOLE   33,151 0 0
KADANT INC COMMON STOCK 48282T104 89 809 SH   SOLE   809 0 0
KELLOGG CO COMMON STOCK 487836108 6 100 SH   SOLE   100 0 0
KEYCORP COMMON STOCK 493267108 10 812 SH   SOLE   812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 25 170 SH   SOLE   170 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 57 1,670 SH   SOLE   1,670 0 0
LILLY ELI & CO COMMON STOCK 532457108 165 1,115 SH   SOLE   1,115 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,293 3,373 SH   SOLE   3,373 0 0
LOWES COS INC COMMON STOCK 548661107 1,497 9,027 SH   SOLE   9,027 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 5 160 SH   SOLE   160 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 56 602 SH   SOLE   602 0 0
MASCO CORP COMMON STOCK 574599106 974 17,667 SH   SOLE   17,667 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 1,905 5,632 SH   SOLE   5,632 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 112 579 SH   SOLE   579 0 0
MCDONALDS CORP COMMON STOCK 580135101 728 3,318 SH   SOLE   3,318 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 14 600 SH   SOLE   600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,076 25,031 SH   SOLE   25,031 0 0
METLIFE INC COMMON STOCK 59156R108 28 759 SH   SOLE   759 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,225 43,862 SH   SOLE   43,862 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 221 SH   SOLE   221 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 38 475 SH   SOLE   475 0 0
MORGAN STANLEY COMMON STOCK 617446448 719 14,881 SH   SOLE   14,881 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 18 665 SH   SOLE   665 0 0
NETFLIX INC COMMON STOCK 64110L106 4,336 8,672 SH   SOLE   8,672 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,071 3,857 SH   SOLE   3,857 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 694 5,525 SH   SOLE   5,525 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 60 280 SH   SOLE   280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 24 77 SH   SOLE   77 0 0
NUCOR CORP COMMON STOCK 670346105 2 35 SH   SOLE   35 0 0
NVIDIA CORP COMMON STOCK 67066G104 660 1,220 SH   SOLE   1,220 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 9 920 SH   SOLE   920 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,208 36,992 SH   SOLE   36,992 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 68 1,085 SH   SOLE   1,085 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 19 95 SH   SOLE   95 0 0
PAYCHEX INC COMMON STOCK 704326107 1,299 16,289 SH   SOLE   16,289 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 5,460 27,712 SH   SOLE   27,712 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 103 1,416 SH   SOLE   1,416 0 0
PEPSICO INC COMMON STOCK 713448108 2,333 16,835 SH   SOLE   16,835 0 0
PFIZER INC COMMON STOCK 717081103 2,182 59,448 SH   SOLE   59,448 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 419 5,581 SH   SOLE   5,581 0 0
PHILLIPS 66 COMMON STOCK 718546104 708 13,652 SH   SOLE   13,652 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 12 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 3,119 22,441 SH   SOLE   22,441 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 32 508 SH   SOLE   508 0 0
QUALCOMM INC COMMON STOCK 747525103 1,270 10,796 SH   SOLE   10,796 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 430 7,466 SH   SOLE   7,466 0 0
ROKU INC COMMON STOCK 77543R102 19 100 SH   SOLE   100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 41 105 SH   SOLE   105 0 0
ROSS STORES INC COMMON STOCK 778296103 28 300 SH   SOLE   300 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,650 6,567 SH   SOLE   6,567 0 0
SEMPRA ENERGY COMMON STOCK 816851109 14 115 SH   SOLE   115 0 0
SERVICENOW INC COMMON STOCK 81762P102 7 15 SH   SOLE   15 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 146 210 SH   SOLE   210 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 17 270 SH   SOLE   270 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 21 390 SH   SOLE   390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 51 946 SH   SOLE   946 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 38 1,026 SH   SOLE   1,026 0 0
STARBUCKS CORP COMMON STOCK 855244109 2,055 23,920 SH   SOLE   23,920 0 0
STATE STREET CORP COMMON STOCK 857477103 37 617 SH   SOLE   617 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,480 11,904 SH   SOLE   11,904 0 0
SYSCO CORP COMMON STOCK 871829107 563 9,046 SH   SOLE   9,046 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 281 2,192 SH   SOLE   2,192 0 0
TARGET CORP COMMON STOCK 87612E106 333 2,116 SH   SOLE   2,116 0 0
TESLA INC COMMON STOCK 88160R101 221 515 SH   SOLE   515 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,250 8,754 SH   SOLE   8,754 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 165 1,150 SH   SOLE   1,150 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,326 7,532 SH   SOLE   7,532 0 0
TJX COS INC COMMON STOCK 872540109 1,363 24,486 SH   SOLE   24,486 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 14 240 SH   SOLE   240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 371 3,428 SH   SOLE   3,428 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 82 2,167 SH   SOLE   2,167 0 0
TWITTER INC COMMON STOCK 90184L102 1 15 SH   SOLE   15 0 0
UNION PAC CORP COMMON STOCK 907818108 2,443 12,407 SH   SOLE   12,407 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 325 1,952 SH   SOLE   1,952 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1,302 4,176 SH   SOLE   4,176 0 0
US BANCORP NEW COMMON STOCK 902973304 867 24,175 SH   SOLE   24,175 0 0
US CONCRETE INC COMMON STOCK 90333L201 7 250 SH   SOLE   250 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 310 7,166 SH   SOLE   7,166 0 0
VALVOLINE INC COMMON STOCK 92047W101 8 425 SH   SOLE   425 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,978 33,247 SH   SOLE   33,247 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH   SOLE   15 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 20 1,057 SH   SOLE   1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 4,650 23,254 SH   SOLE   23,254 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 399 2,944 SH   SOLE   2,944 0 0
WALMART INC COMMON STOCK 931142103 913 6,524 SH   SOLE   6,524 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 11 94 SH   SOLE   94 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 42 438 SH   SOLE   438 0 0
WELLS FARGO & CO COMMON STOCK 949746101 142 6,035 SH   SOLE   6,035 0 0
WILLIAMS COS INC COMMON STOCK 969457100 252 12,828 SH   SOLE   12,828 0 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 1 28 SH   SOLE   28 0 0
XYLEM INC COMMON STOCK 98419M100 6 73 SH   SOLE   73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 26 500 SH   SOLE   500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 495 5,417 SH   SOLE   5,417 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 172 1,265 SH   SOLE   1,265 0 0
3M CO COMMON STOCK 88579Y101 408 2,545 SH   SOLE   2,545 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 37 2,122 SH   SOLE   2,122 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 28 SH   SOLE   28 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 33 550 SH   SOLE   550 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 25 155 SH   SOLE   155 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 129 535 SH   SOLE   535 0 0
CROWN CASTLE INTL CORP REIT COMMON STOCK 22822V101 5 29 SH   SOLE   29 0 0
LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 16 1,500 SH   SOLE   1,500 0 0
NEW YORK CITY REIT COMMON STOCK 649439205 2 181 SH   SOLE   181 0 0
TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 5 936 SH   SOLE   936 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 33,733 1,344,496 SH   SOLE   1,344,496 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 51 225 SH   SOLE   225 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 8 300 SH   SOLE   300 0 0
BROOKFIELD PROPERTY PARTNERS L COMMON STOCK G16249107 2 125 SH   SOLE   125 0 0
CARNIVAL CORP COMMON STOCK 143658300 11 700 SH   SOLE   700 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 109 905 SH   SOLE   905 0 0
EATON CORP PLC COMMON STOCK G29183103 16 154 SH   SOLE   154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 38 1,300 SH   SOLE   1,300 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 3 236 SH   SOLE   236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 163 1,568 SH   SOLE   1,568 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 7 100 SH   SOLE   100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 18 1,187 SH   SOLE   1,187 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 37 36 SH   SOLE   36 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 7 90 SH   SOLE   90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 87 1,890 SH   SOLE   1,890 0 0
TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 14 115 SH   SOLE   115 0 0
OCCIDENTAL PETROLEUM - WTS 8 OTHER 674599162 0 16 SH   SOLE   16 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 13 220 SH   SOLE   220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 280 1,903 SH   SOLE   1,903 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 90 1,409 SH   SOLE   1,409 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 19 636 SH   SOLE   636 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 323 13,402 SH   SOLE   13,402 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 27 1,485 SH   SOLE   1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 383 3,635 SH   SOLE   3,635 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 195 2,532 SH   SOLE   2,532 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 24 1,780 SH   SOLE   1,780 0 0
INVESCO WATER RESOURCES ETF OTHER 46137V142 7 171 SH   SOLE   171 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 10,732 57,914 SH   SOLE   57,914 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 7,936 112,999 SH   SOLE   112,999 0 0
ISHARES GLOBAL TECH ETF OTHER 464287291 1 5 SH   SOLE   5 0 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 111 1,432 SH   SOLE   1,432 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 15 235 SH   SOLE   235 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 4 93 SH   SOLE   93 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 359 6,255 SH   SOLE   6,255 0 0
ISHARES RUSSELL 1000 ETF OTHER 464287622 4 22 SH   SOLE   22 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 24 735 SH   SOLE   735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1,125 17,684 SH   SOLE   17,684 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH   SOLE   59 0 0
SPDR GOLD TRUST OTHER 78463V107 96 540 SH   SOLE   540 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 333 6,652 SH   SOLE   6,652 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 638 21,124 SH   SOLE   21,124 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 160 1,440 SH   SOLE   1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 35 1,260 SH   SOLE   1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 30 88 SH   SOLE   88 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 74 1,090 SH   SOLE   1,090 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 215 3,750 SH   SOLE   3,750 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 8,393 25,063 SH   SOLE   25,063 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 486 4,165 SH   SOLE   4,165 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 494 8,322 SH   SOLE   8,322 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 41 250 SH   SOLE   250 0 0
VANECK VECTORS SEMICONDUCTOR E OTHER 92189F676 75 432 SH   SOLE   432 0 0
VANGUARD GROWTH ETF OTHER 922908736 127 556 SH   SOLE   556 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 44 560 SH   SOLE   560 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 25 196 SH   SOLE   196 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 215 2,484 SH   SOLE   2,484 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 15,355 130,064 SH   SOLE   130,064 0 0
ISHARES IBONDS DEC 2020 TERM OTHER 46434VAQ3 20 791 SH   SOLE   791 0 0
ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 854 34,084 SH   SOLE   34,084 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 787 30,714 SH   SOLE   30,714 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 575 21,912 SH   SOLE   21,912 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 273 10,324 SH   SOLE   10,324 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 275 10,149 SH   SOLE   10,149 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 167 6,245 SH   SOLE   6,245 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 216 7,431 SH   SOLE   7,431 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 446 16,489 SH   SOLE   16,489 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 2,954 53,804 SH   SOLE   53,804 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 158 5,822 SH   SOLE   5,822 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 25,984 313,632 SH   SOLE   313,632 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 953 8,219 SH   SOLE   8,219 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,140 72,077 SH   SOLE   72,077 0 0
ABBOTT LABS COMMON STOCK 002824100 22 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 18 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 30 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 38 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 49 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102 9 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 14 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 16 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 15 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 22 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 25 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 16 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 3 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 4 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102 8 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 6 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 28 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 21 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 22 150 SH   OTR   0 150 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 4 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 22 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 84 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 18 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 21 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 21 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 32 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 22 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 14 70 SH   OTR   0 70 0
WELLS FARGO & CO COMMON STOCK 949746101 14 600 SH   OTR   0 600 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 15 330 SH   OTR   0 330 0
ABBOTT LABS COMMON STOCK 002824100 56 518 SH   SOLE   518 0 0
ABBVIE INC COMMON STOCK 00287Y109 10 118 SH   SOLE   118 0 0
ADOBE INC COMMON STOCK 00724F101 173 353 SH   SOLE   353 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 243 166 SH   SOLE   166 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 84 57 SH   SOLE   57 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 17 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 416 132 SH   SOLE   132 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 20 200 SH   SOLE   200 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 51 353 SH   SOLE   353 0 0
AMGEN INC COMMON STOCK 031162100 20 79 SH   SOLE   79 0 0
APPLE INC COMMON STOCK 037833100 1,092 9,429 SH   SOLE   9,429 0 0
AT&T INC COMMON STOCK 00206R102 59 2,060 SH   SOLE   2,060 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 33 235 SH   SOLE   235 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 93 3,842 SH   SOLE   3,842 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 5 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 115 540 SH   SOLE   540 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 122 217 SH   SOLE   217 0 0
BOEING CO COMMON STOCK 097023105 2 10 SH   SOLE   10 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 5 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 122 2,029 SH   SOLE   2,029 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 5 175 SH   SOLE   175 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 60 837 SH   SOLE   837 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 97 2,456 SH   SOLE   2,456 0 0
CLOROX COMPANY COMMON STOCK 189054109 16 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 98 1,981 SH   SOLE   1,981 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 22 290 SH   SOLE   290 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 16 490 SH   SOLE   490 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 74 389 SH   SOLE   389 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 102 287 SH   SOLE   287 0 0
CUMMINS INC COMMON STOCK 231021106 57 272 SH   SOLE   272 0 0
DANAHER CORP COMMON STOCK 235851102 13 59 SH   SOLE   59 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 33 SH   SOLE   33 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 196 1,577 SH   SOLE   1,577 0 0
DOLLAR TREE INC COMMON STOCK 256746108 63 690 SH   SOLE   690 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 18 230 SH   SOLE   230 0 0
DOW INC COMMON STOCK 260557103 2 45 SH   SOLE   45 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 8 100 SH   SOLE   100 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2 45 SH   SOLE   45 0 0
ECOLAB INC COMMON STOCK 278865100 22 110 SH   SOLE   110 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 74 2,141 SH   SOLE   2,141 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 97 369 SH   SOLE   369 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 25 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 84 608 SH   SOLE   608 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 34 5,400 SH   SOLE   5,400 0 0
GENERAL MLS INC COMMON STOCK 370334104 24 388 SH   SOLE   388 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 59 939 SH   SOLE   939 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 15 75 SH   SOLE   75 0 0
HOME DEPOT INC COMMON STOCK 437076102 254 913 SH   SOLE   913 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 138 836 SH   SOLE   836 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 46 240 SH   SOLE   240 0 0
INTEL CORP COMMON STOCK 458140100 95 1,844 SH   SOLE   1,844 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 145 1,454 SH   SOLE   1,454 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 51 416 SH   SOLE   416 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 11 115 SH   SOLE   115 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 300 2,015 SH   SOLE   2,015 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 193 2,004 SH   SOLE   2,004 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 7 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 1 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 81 212 SH   SOLE   212 0 0
LOWES COS INC COMMON STOCK 548661107 112 673 SH   SOLE   673 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 7 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106 8 150 SH   SOLE   150 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 110 326 SH   SOLE   326 0 0
MCDONALDS CORP COMMON STOCK 580135101 66 300 SH   SOLE   300 0 0
MERCK & CO INC COMMON STOCK 58933Y105 156 1,879 SH   SOLE   1,879 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 57 550 SH   SOLE   550 0 0
MICROSOFT CORP COMMON STOCK 594918104 506 2,407 SH   SOLE   2,407 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 17 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448 15 300 SH   SOLE   300 0 0
NETFLIX INC COMMON STOCK 64110L106 203 406 SH   SOLE   406 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 32 115 SH   SOLE   115 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 86 686 SH   SOLE   686 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 2 170 SH   SOLE   170 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 151 2,522 SH   SOLE   2,522 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 4 60 SH   SOLE   60 0 0
PAYCHEX INC COMMON STOCK 704326107 124 1,555 SH   SOLE   1,555 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 280 1,423 SH   SOLE   1,423 0 0
PEPSICO INC COMMON STOCK 713448108 151 1,088 SH   SOLE   1,088 0 0
PFIZER INC COMMON STOCK 717081103 137 3,745 SH   SOLE   3,745 0 0
PHILLIPS 66 COMMON STOCK 718546104 41 783 SH   SOLE   783 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 167 1,199 SH   SOLE   1,199 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 8 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 113 961 SH   SOLE   961 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 40 696 SH   SOLE   696 0 0
SALESFORCE.COM COMMON STOCK 79466L302 82 325 SH   SOLE   325 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 2 50 SH   SOLE   50 0 0
STARBUCKS CORP COMMON STOCK 855244109 119 1,390 SH   SOLE   1,390 0 0
STRYKER CORPORATION COMMON STOCK 863667101 188 904 SH   SOLE   904 0 0
SYSCO CORP COMMON STOCK 871829107 42 680 SH   SOLE   680 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 41 322 SH   SOLE   322 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 97 679 SH   SOLE   679 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 153 346 SH   SOLE   346 0 0
TJX COS INC COMMON STOCK 872540109 98 1,768 SH   SOLE   1,768 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 34 317 SH   SOLE   317 0 0
UNION PAC CORP COMMON STOCK 907818108 109 556 SH   SOLE   556 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 6 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 92 295 SH   SOLE   295 0 0
US BANCORP NEW COMMON STOCK 902973304 69 1,921 SH   SOLE   1,921 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 21 490 SH   SOLE   490 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 120 2,009 SH   SOLE   2,009 0 0
VISA INC CL A COMMON STOCK 92826C839 288 1,442 SH   SOLE   1,442 0 0
WALMART INC COMMON STOCK 931142103 51 366 SH   SOLE   366 0 0
WELLS FARGO & CO COMMON STOCK 949746101 4 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 25 1,285 SH   SOLE   1,285 0 0
YUM! BRANDS INC COMMON STOCK 988498101 43 470 SH   SOLE   470 0 0
3M CO COMMON STOCK 88579Y101 12 75 SH   SOLE   75 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 8 99 SH   SOLE   99 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409 2 30 SH   SOLE   30 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 603 24,024 SH   SOLE   24,024 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 12 759 SH   SOLE   759 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 42 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 73 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 30 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 17 584 SH   SOLE   584 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 84 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 51 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 15 55 SH   SOLE   55 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 445 2,403 SH   SOLE   2,403 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 496 7,061 SH   SOLE   7,061 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 4 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 46 800 SH   SOLE   800 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 132 2,067 SH   SOLE   2,067 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 139 415 SH   SOLE   415 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 117 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 66 1,118 SH   SOLE   1,118 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 12 142 SH   SOLE   142 0 0
ISHARES CORE US AGGREGATE BOND OTHER 464287226 719 6,094 SH   SOLE   6,094 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 33 1,250 SH   SOLE   1,250 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 72 2,711 SH   SOLE   2,711 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 99 3,646 SH   SOLE   3,646 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 127 4,722 SH   SOLE   4,722 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 98 3,354 SH   SOLE   3,354 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 40 1,472 SH   SOLE   1,472 0 0
ISHARES SHORT-TERM CORP BOND E OTHER 464288646 21 378 SH   SOLE   378 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 94 3,447 SH   SOLE   3,447 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,924 23,218 SH   SOLE   23,218 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 215 3,743 SH   SOLE   3,743 0 0
ABBOTT LABS COMMON STOCK 002824100 1,605 14,750 SH   DFND 3 14,750 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,417 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 4,904 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 804 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,423 3,700 SH   DFND 3 3,700 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1 1 SH   DFND 3 1 0 0
AMAZON.COM INC COMMON STOCK 023135106 8,344 2,650 SH   DFND 3 2,650 0 0
AMGEN INC COMMON STOCK 031162100 3,177 12,500 SH   DFND 3 12,500 0 0
APPLE INC COMMON STOCK 037833100 8,859 76,500 SH   DFND 3 76,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,418 100,385 SH   DFND 3 100,385 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,034 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,254 4,000 SH   DFND 3 4,000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 422 7,000 SH   DFND 3 7,000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 575 8,000 SH   DFND 3 8,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 900 12,500 SH   DFND 3 12,500 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 955 24,250 SH   DFND 3 24,250 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,130 6,000 SH   DFND 3 6,000 0 0
DANAHER CORP COMMON STOCK 235851102 1,077 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 788 6,350 SH   DFND 3 6,350 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 742 9,400 SH   DFND 3 9,400 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 2,977 7,000 SH   DFND 3 7,000 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 199 2,250 SH   DFND 3 2,250 0 0
ECOLAB INC COMMON STOCK 278865100 779 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 309 9,000 SH   DFND 3 9,000 0 0
FACEBOOK INC-A COMMON STOCK 30303M102 3,824 14,600 SH   DFND 3 14,600 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 1,710 6,800 SH   DFND 3 6,800 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 523 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 2,749 9,900 SH   DFND 3 9,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,646 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 1,248 24,100 SH   DFND 3 24,100 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,816 28,150 SH   DFND 3 28,150 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 367 3,000 SH   DFND 3 3,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2,754 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,387 24,800 SH   DFND 3 24,800 0 0
MASCO CORP COMMON STOCK 574599106 2,757 50,000 SH   DFND 3 50,000 0 0
MCDONALDS CORP COMMON STOCK 580135101 571 2,600 SH   DFND 3 2,600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 2,314 27,900 SH   DFND 3 27,900 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,677 36,500 SH   DFND 3 36,500 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,123 14,000 SH   DFND 3 14,000 0 0
MORGAN STANLEY COMMON STOCK 617446448 1,692 35,000 SH   DFND 3 35,000 0 0
NETFLIX INC COMMON STOCK 64110L106 4,625 9,250 SH   DFND 3 9,250 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 916 3,300 SH   DFND 3 3,300 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,506 12,000 SH   DFND 3 12,000 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 0 1 SH   DFND 3 1 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,134 19,000 SH   DFND 3 19,000 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,182 6,000 SH   DFND 3 6,000 0 0
PEPSICO INC COMMON STOCK 713448108 1,968 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,000 54,500 SH   DFND 3 54,500 0 0
PHILLIPS 66 COMMON STOCK 718546104 933 18,000 SH   DFND 3 18,000 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,474 17,800 SH   DFND 3 17,800 0 0
QUALCOMM INC COMMON STOCK 747525103 1,324 11,250 SH   DFND 3 11,250 0 0
RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 1 SH   DFND 3 1 0 0
SALESFORCE.COM COMMON STOCK 79466L302 5,202 20,700 SH   DFND 3 20,700 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,933 2,775 SH   DFND 3 2,775 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 746 13,750 SH   DFND 3 13,750 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,177 10,450 SH   DFND 3 10,450 0 0
SYSCO CORP COMMON STOCK 871829107 1,089 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,316 5,245 SH   DFND 3 5,245 0 0
TJX COS INC COMMON STOCK 872540109 1,116 20,050 SH   DFND 3 20,050 0 0
TWITTER INC COMMON STOCK 90184L102 890 20,000 SH   DFND 3 20,000 0 0
UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH   DFND 3 1 0 0
UNION PAC CORP COMMON STOCK 907818108 551 2,800 SH   DFND 3 2,800 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,500 9,000 SH   DFND 3 9,000 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,585 11,500 SH   DFND 3 11,500 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 420 9,700 SH   DFND 3 9,700 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 892 15,000 SH   DFND 3 15,000 0 0
VISA INC CL A COMMON STOCK 92826C839 6,799 34,000 SH   DFND 3 34,000 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 962 7,100 SH   DFND 3 7,100 0 0
WALMART INC COMMON STOCK 931142103 3,400 24,300 SH   DFND 3 24,300 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 480 3,000 SH   DFND 3 3,000 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 701 2,900 SH   DFND 3 2,900 0 0
BOSTON PROPERTIES INC REIT COMMON STOCK 101121101 281 3,500 SH   DFND 3 3,500 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 824 3,700 SH   DFND 3 3,700 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 1,185 11,400 SH   DFND 3 11,400 0 0
OCCIDENTAL PETROLEUM - WTS 8 OTHER 674599162 0 1 SH   DFND 3 1 0 0