SVP, Treasurer & CFO

0000717538-21-000117.txt : 20210430 0000717538-21-000117.hdr.sgml : 20210430 20210430152155 ACCESSION NUMBER: 0000717538-21-000117 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20210331 FILED AS OF DATE: 20210430 DATE AS OF CHANGE: 20210430 EFFECTIVENESS DATE: 20210430 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: 21877198 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 03-31-2021 03-31-2021 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 04-30-2021 2 707 753729 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 information_table.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 128 1070 SH OTR 2 0 1070 0 ABBVIE INC COMMON STOCK 00287Y109 219 2025 SH OTR 2 0 2025 0 ADOBE INC COMMON STOCK 00724F101 159 335 SH OTR 2 0 335 0 ALPHABET INC CL A COMMON STOCK 02079K305 646 313 SH OTR 2 0 313 0 ALPHABET INC CL C COMMON STOCK 02079K107 221 107 SH OTR 2 0 107 0 ALTRIA GROUP INC COMMON STOCK 02209S103 8 150 SH OTR 2 0 150 0 AMAZON.COM INC COMMON STOCK 023135106 415 134 SH OTR 2 0 134 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 184 1300 SH OTR 2 0 1300 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 46 305 SH OTR 2 0 305 0 AMGEN INC COMMON STOCK 031162100 62 250 SH OTR 2 0 250 0 APPLE INC COMMON STOCK 037833100 1366 11182 SH OTR 2 0 11182 0 AT&T INC COMMON STOCK 00206R102 143 4717 SH OTR 2 0 4717 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 627 3325 SH OTR 2 0 3325 0 BANK OF AMERICA CORP COMMON STOCK 060505104 190 4920 SH OTR 2 0 4920 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 70 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 160 1900 SH OTR 2 0 1900 0 BECTON DICKINSON COMMON STOCK 075887109 35 145 SH OTR 2 0 145 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 316 1235 SH OTR 2 0 1235 0 BLACKROCK INC CL A COMMON STOCK 09247X101 166 220 SH OTR 2 0 220 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 153 2420 SH OTR 2 0 2420 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 12 200 SH OTR 2 0 200 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 219 5195 SH OTR 2 0 5195 0 CATERPILLAR INC COMMON STOCK 149123101 238 1025 SH OTR 2 0 1025 0 CHEVRON CORPORATION COMMON STOCK 166764100 276 2634 SH OTR 2 0 2634 0 CIGNA CORP COMMON STOCK 125523100 11 44 SH OTR 2 0 44 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 74 1430 SH OTR 2 0 1430 0 CLOROX COMPANY COMMON STOCK 189054109 19 100 SH OTR 2 0 100 0 COCA COLA CO COMMON STOCK 191216100 107 2030 SH OTR 2 0 2030 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 449 5700 SH OTR 2 0 5700 0 COMCAST CORP-CL A COMMON STOCK 20030N101 16 300 SH OTR 2 0 300 0 CONOCOPHILLIPS COMMON STOCK 20825C104 71 1346 SH OTR 2 0 1346 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 183 802 SH OTR 2 0 802 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 42 120 SH OTR 2 0 120 0 CUMMINS INC COMMON STOCK 231021106 48 185 SH OTR 2 0 185 0 CVS HEALTH CORP COMMON STOCK 126650100 29 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 34 151 SH OTR 2 0 151 0 DISNEY WALT CO NEW COMMON STOCK 254687106 344 1862 SH OTR 2 0 1862 0 DOLLAR TREE INC COMMON STOCK 256746108 20 175 SH OTR 2 0 175 0 DOMINION ENERGY INC COMMON STOCK 25746U109 44 575 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 38 285 SH OTR 2 0 285 0 DUKE ENERGY CORP COMMON STOCK 26441C204 61 634 SH OTR 2 0 634 0 ECOLAB INC COMMON STOCK 278865100 214 1000 SH OTR 2 0 1000 0 EMERSON ELEC CO COMMON STOCK 291011104 286 3170 SH OTR 2 0 3170 0 EOG RES INC COMMON STOCK 26875P101 3 35 SH OTR 2 0 35 0 EXXON MOBIL CORP COMMON STOCK 30231G102 504 9035 SH OTR 2 0 9035 0 FACEBOOK INC-A COMMON STOCK 30303M102 49 165 SH OTR 2 0 165 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 43 235 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 8 25 SH OTR 2 0 25 0 HOME DEPOT INC COMMON STOCK 437076102 563 1845 SH OTR 2 0 1845 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 166 765 SH OTR 2 0 765 0 INTEL CORP COMMON STOCK 458140100 505 7885 SH OTR 2 0 7885 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 68 605 SH OTR 2 0 605 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 691 5188 SH OTR 2 0 5188 0 INTUIT INC COMMON STOCK 461202103 310 810 SH OTR 2 0 810 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 73 562 SH OTR 2 0 562 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1113 6772 SH OTR 2 0 6772 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 1138 7475 SH OTR 2 0 7475 0 KELLOGG CO COMMON STOCK 487836108 57 900 SH OTR 2 0 900 0 KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH OTR 2 0 33 0 LILLY ELI & CO COMMON STOCK 532457108 355 1900 SH OTR 2 0 1900 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 18 50 SH OTR 2 0 50 0 LOWES COS INC COMMON STOCK 548661107 201 1055 SH OTR 2 0 1055 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 10 65 SH OTR 2 0 65 0 MASCO CORP COMMON STOCK 574599106 13 225 SH OTR 2 0 225 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 32 90 SH OTR 2 0 90 0 MCDONALDS CORP COMMON STOCK 580135101 95 425 SH OTR 2 0 425 0 MERCK & CO INC COMMON STOCK 58933Y105 305 3950 SH OTR 2 0 3950 0 METLIFE INC COMMON STOCK 59156R108 14 235 SH OTR 2 0 235 0 MICROSOFT CORP COMMON STOCK 594918104 2263 9600 SH OTR 2 0 9600 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 12 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 155 2000 SH OTR 2 0 2000 0 NETFLIX INC COMMON STOCK 64110L106 60 115 SH OTR 2 0 115 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 187 2470 SH OTR 2 0 2470 0 NIKE INC-CLASS B COMMON STOCK 654106103 395 2970 SH OTR 2 0 2970 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 181 675 SH OTR 2 0 675 0 NVIDIA CORP COMMON STOCK 67066G104 139 260 SH OTR 2 0 260 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 3 100 SH OTR 2 0 100 0 ORACLE CORPORATION COMMON STOCK 68389X105 443 6315 SH OTR 2 0 6315 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 159 2321 SH OTR 2 0 2321 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 81 600 SH OTR 2 0 600 0 PAYCHEX INC COMMON STOCK 704326107 150 1535 SH OTR 2 0 1535 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 186 765 SH OTR 2 0 765 0 PEPSICO INC COMMON STOCK 713448108 758 5360 SH OTR 2 0 5360 0 PFIZER INC COMMON STOCK 717081103 410 11330 SH OTR 2 0 11330 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 9 100 SH OTR 2 0 100 0 PHILLIPS 66 COMMON STOCK 718546104 24 297 SH OTR 2 0 297 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 783 5780 SH OTR 2 0 5780 0 QUALCOMM INC COMMON STOCK 747525103 39 295 SH OTR 2 0 295 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 64 500 SH OTR 2 0 500 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 448 5798 SH OTR 2 0 5798 0 SOUTHERN COMPANY COMMON STOCK 842587107 37 600 SH OTR 2 0 600 0 STARBUCKS CORP COMMON STOCK 855244109 236 2160 SH OTR 2 0 2160 0 STRYKER CORPORATION COMMON STOCK 863667101 364 1495 SH OTR 2 0 1495 0 SYSCO CORP COMMON STOCK 871829107 25 315 SH OTR 2 0 315 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 299 1740 SH OTR 2 0 1740 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 40 210 SH OTR 2 0 210 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 146 320 SH OTR 2 0 320 0 TJX COS INC COMMON STOCK 872540109 149 2245 SH OTR 2 0 2245 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 18 120 SH OTR 2 0 120 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 6 100 SH OTR 2 0 100 0 UNION PAC CORP COMMON STOCK 907818108 100 455 SH OTR 2 0 455 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 119 700 SH OTR 2 0 700 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 125 335 SH OTR 2 0 335 0 US BANCORP NEW COMMON STOCK 902973304 167 3015 SH OTR 2 0 3015 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 26 365 SH OTR 2 0 365 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 260 4467 SH OTR 2 0 4467 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 64 300 SH OTR 2 0 300 0 VIACOMCBS INC CL B COMMON STOCK 92556H206 35 776 SH OTR 2 0 776 0 VIATRIS INC COMMON STOCK 92556V106 16 1169 SH OTR 2 0 1169 0 VISA INC CL A COMMON STOCK 92826C839 271 1280 SH OTR 2 0 1280 0 WALMART INC COMMON STOCK 931142103 72 530 SH OTR 2 0 530 0 WELLS FARGO & CO COMMON STOCK 949746101 60 1525 SH OTR 2 0 1525 0 WILLIAMS COS INC COMMON STOCK 969457100 29 1230 SH OTR 2 0 1230 0 YUM! BRANDS INC COMMON STOCK 988498101 11 100 SH OTR 2 0 100 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 60 375 SH OTR 2 0 375 0 3M CO COMMON STOCK 88579Y101 416 2160 SH OTR 2 0 2160 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 682 20463 SH OTR 2 0 20463 0 EATON CORP PLC COMMON STOCK G29183103 69 500 SH OTR 2 0 500 0 LINDE PLC COMMON STOCK G5494J103 77 275 SH OTR 2 0 275 0 MEDTRONIC PLC COMMON STOCK G5960L103 106 900 SH OTR 2 0 900 0 SCHLUMBERGER LTD COMMON STOCK 806857108 6 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 136 2084 SH OTR 2 0 2084 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 826 11271 SH OTR 2 0 11271 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 979 5826 SH OTR 2 0 5826 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 497 7271 SH OTR 2 0 7271 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 216 4402 SH OTR 2 0 4402 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 863 25336 SH OTR 2 0 25336 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 1019 8727 SH OTR 2 0 8727 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 653 6632 SH OTR 2 0 6632 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 89 342 SH OTR 2 0 342 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 327 3017 SH OTR 2 0 3017 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 4 46 SH OTR 2 0 46 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 21 396 SH OTR 2 0 396 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 37 500 SH OTR 2 0 500 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 244 3102 SH OTR 2 0 3102 0 SPDR S&P BIOTECH ETF OTHER 78464A870 14 100 SH OTR 2 0 100 0 SPDR S&P TELECOM ETF OTHER 78464A540 7 70 SH OTR 2 0 70 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 155 390 SH OTR 2 0 390 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 2039 15356 SH OTR 2 0 15356 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 158 2461 SH OTR 2 0 2461 0 VANGUARD MID-CAP ETF OTHER 922908629 3916 17691 SH OTR 2 0 17691 0 VANGUARD REAL ESTATE ETF OTHER 922908553 379 4126 SH OTR 2 0 4126 0 VANGUARD S&P 500 ETF OTHER 922908363 1567 4301 SH OTR 2 0 4301 0 VANGUARD SMALL-CAP ETF OTHER 922908751 1615 7543 SH OTR 2 0 7543 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 298 2617 SH OTR 2 0 2617 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 50 1888 SH OTR 2 0 1888 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 48 1708 SH OTR 2 0 1708 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 47 1912 SH OTR 2 0 1912 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 187 3427 SH OTR 2 0 3427 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 49 1836 SH OTR 2 0 1836 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1239 15015 SH OTR 2 0 15015 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 49 425 SH OTR 2 0 425 0 ABBOTT LABS COMMON STOCK 002824100 1374 11467 SH SOLE 11467 0 0 ABBVIE INC COMMON STOCK 00287Y109 674 6226 SH SOLE 6226 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 13 135 SH SOLE 135 0 0 ADOBE INC COMMON STOCK 00724F101 2628 5528 SH SOLE 5528 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 84 299 SH SOLE 299 0 0 ALEXION PHARMACEUTICALS INC COMMON STOCK 015351109 37 240 SH SOLE 240 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 8085 3920 SH SOLE 3920 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 2060 996 SH SOLE 996 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 288 5631 SH SOLE 5631 0 0 AMAZON.COM INC COMMON STOCK 023135106 7726 2497 SH SOLE 2497 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 29 340 SH SOLE 340 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 286 2020 SH SOLE 2020 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 15 320 SH SOLE 320 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 674 4497 SH SOLE 4497 0 0 AMGEN INC COMMON STOCK 031162100 2080 8358 SH SOLE 8358 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 9 60 SH SOLE 60 0 0 ANTARES PHARMA INC COMMON STOCK 036642106 58 14000 SH SOLE 14000 0 0 APPLE INC COMMON STOCK 037833100 9949 81453 SH SOLE 81453 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 324 2425 SH SOLE 2425 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 11 200 SH SOLE 200 0 0 ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 26 291 SH SOLE 291 0 0 AT&T INC COMMON STOCK 00206R102 1062 35078 SH SOLE 35078 0 0 AUTODESK INC COMMON STOCK 052769106 22 80 SH SOLE 80 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 271 1440 SH SOLE 1440 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2152 55620 SH SOLE 55620 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 61 1280 SH SOLE 1280 0 0 BAXTER INTL INC COMMON STOCK 071813109 36 430 SH SOLE 430 0 0 BECTON DICKINSON COMMON STOCK 075887109 49 200 SH SOLE 200 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3008 11774 SH SOLE 11774 0 0 BEST BUY CO INC COMMON STOCK 086516101 6 50 SH SOLE 50 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 2992 3969 SH SOLE 3969 0 0 BLACKSTONE GROUP INC CL A COMMON STOCK 09260D107 75 1008 SH SOLE 1008 0 0 BOEING CO COMMON STOCK 097023105 52 205 SH SOLE 205 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 370 159 SH SOLE 159 0 0 BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 31 795 SH SOLE 795 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1947 30840 SH SOLE 30840 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 45 355 SH SOLE 355 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 12 200 SH SOLE 200 0 0 CARLOTZ INC CL A COMMON STOCK 142552108 5 750 SH SOLE 750 0 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 52 1227 SH SOLE 1227 0 0 CATERPILLAR INC COMMON STOCK 149123101 482 2077 SH SOLE 2077 0 0 CERNER CORP COMMON STOCK 156782104 43 595 SH SOLE 595 0 0 CHARLES SCHWAB CORP COMMON STOCK 808513105 41 625 SH SOLE 625 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1070 10210 SH SOLE 10210 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 2591 50110 SH SOLE 50110 0 0 CLOROX COMPANY COMMON STOCK 189054109 120 622 SH SOLE 622 0 0 CME GROUP INC COMMON STOCK 12572Q105 77 378 SH SOLE 378 0 0 CMS ENERGY CORP COMMON STOCK 125896100 7 121 SH SOLE 121 0 0 COCA COLA CO COMMON STOCK 191216100 1506 28564 SH SOLE 28564 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 283 3589 SH SOLE 3589 0 0 COMCAST CORP-CL A COMMON STOCK 20030N101 167 3078 SH SOLE 3078 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 473 8925 SH SOLE 8925 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 55 739 SH SOLE 739 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1412 6193 SH SOLE 6193 0 0 CORNING INC COMMON STOCK 219350105 95 2184 SH SOLE 2184 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1623 4605 SH SOLE 4605 0 0 CSX CORP COMMON STOCK 126408103 14 150 SH SOLE 150 0 0 CUMMINS INC COMMON STOCK 231021106 1490 5751 SH SOLE 5751 0 0 CVS HEALTH CORP COMMON STOCK 126650100 20 269 SH SOLE 269 0 0 DANAHER CORP COMMON STOCK 235851102 197 876 SH SOLE 876 0 0 DEERE & CO COMMON STOCK 244199105 247 660 SH SOLE 660 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 4356 23608 SH SOLE 23608 0 0 DOLLAR GENERAL CORP COMMON STOCK 256677105 25 122 SH SOLE 122 0 0 DOLLAR TREE INC COMMON STOCK 256746108 1682 14691 SH SOLE 14691 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 237 3114 SH SOLE 3114 0 0 DOW INC COMMON STOCK 260557103 81 1262 SH SOLE 1262 0 0 DUKE ENERGY CORP COMMON STOCK 26441C204 99 1029 SH SOLE 1029 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 94 1213 SH SOLE 1213 0 0 EBAY INC COMMON STOCK 278642103 24 400 SH SOLE 400 0 0 ECOLAB INC COMMON STOCK 278865100 673 3145 SH SOLE 3145 0 0 EDISON INTERNATIONAL COMMON STOCK 281020107 21 350 SH SOLE 350 0 0 ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH SOLE 25 0 0 EMERSON ELEC CO COMMON STOCK 291011104 148 1635 SH SOLE 1635 0 0 EOG RES INC COMMON STOCK 26875P101 191 2635 SH SOLE 2635 0 0 ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 48 1082 SH SOLE 1082 0 0 EVERSOURCE ENERGY COMMON STOCK 30040W108 38 435 SH SOLE 435 0 0 EXELIXIS INC COMMON STOCK 30161Q104 12 510 SH SOLE 510 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 1416 25356 SH SOLE 25356 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 1075 3651 SH SOLE 3651 0 0 FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 19 60 SH SOLE 60 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 628 2212 SH SOLE 2212 0 0 FIRSTENERGY CORP COMMON STOCK 337932107 28 801 SH SOLE 801 0 0 FISERV INC COMMON STOCK 337738108 295 2475 SH SOLE 2475 0 0 FORD MOTOR CO DEL COMMON STOCK 345370860 123 10050 SH SOLE 10050 0 0 FORTIVE CORP COMMON STOCK 34959J108 131 1848 SH SOLE 1848 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 1493 8221 SH SOLE 8221 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 262 19935 SH SOLE 19935 0 0 GENERAL MLS INC COMMON STOCK 370334104 259 4218 SH SOLE 4218 0 0 GENERAL MOTORS CO COMMON STOCK 37045V100 57 1000 SH SOLE 1000 0 0 GENUINE PARTS CO COMMON STOCK 372460105 24 210 SH SOLE 210 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 744 11508 SH SOLE 11508 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 790 2417 SH SOLE 2417 0 0 GRAINGER W W INC COMMON STOCK 384802104 50 125 SH SOLE 125 0 0 HALLIBURTON CO COMMON STOCK 406216101 12 580 SH SOLE 580 0 0 HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 78 1750 SH SOLE 1750 0 0 HOME DEPOT INC COMMON STOCK 437076102 4461 14613 SH SOLE 14613 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2910 13405 SH SOLE 13405 0 0 IDACORP INC COMMON STOCK 451107106 20 200 SH SOLE 200 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 109 490 SH SOLE 490 0 0 INFINERA CORP COMMON STOCK 45667G103 5 500 SH SOLE 500 0 0 INGERSOLL-RAND INC COMMON STOCK 45687V106 9 189 SH SOLE 189 0 0 INTEL CORP COMMON STOCK 458140100 2652 41436 SH SOLE 41436 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2641 23651 SH SOLE 23651 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 419 2998 SH SOLE 2998 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 315 2366 SH SOLE 2366 0 0 JABIL INC COMMON STOCK 466313103 5 100 SH SOLE 100 0 0 JACK HENRY & ASSOC INC COMMON STOCK 426281101 18 120 SH SOLE 120 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 139 1079 SH SOLE 1079 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3975 24186 SH SOLE 24186 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 4714 30964 SH SOLE 30964 0 0 KADANT INC COMMON STOCK 48282T104 150 809 SH SOLE 809 0 0 KELLOGG CO COMMON STOCK 487836108 6 100 SH SOLE 100 0 0 KEMPER CORP COMMON STOCK 488401100 16 200 SH SOLE 200 0 0 KEYCORP COMMON STOCK 493267108 16 812 SH SOLE 812 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 22 155 SH SOLE 155 0 0 KKR & CO INC CL A COMMON STOCK 48251W104 82 1670 SH SOLE 1670 0 0 LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 13 50 SH SOLE 50 0 0 LILLY ELI & CO COMMON STOCK 532457108 206 1100 SH SOLE 1100 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 1438 3891 SH SOLE 3891 0 0 LOWES COS INC COMMON STOCK 548661107 1649 8672 SH SOLE 8672 0 0 MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 9 160 SH SOLE 160 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 20 134 SH SOLE 134 0 0 MASCO CORP COMMON STOCK 574599106 988 16496 SH SOLE 16496 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 2074 5824 SH SOLE 5824 0 0 MCCORMICK & CO INC COMMON STOCK 579780206 103 1158 SH SOLE 1158 0 0 MCDONALDS CORP COMMON STOCK 580135101 974 4344 SH SOLE 4344 0 0 MDU RESOURCES GROUP INC COMMON STOCK 552690109 19 600 SH SOLE 600 0 0 MERCK & CO INC COMMON STOCK 58933Y105 1953 25331 SH SOLE 25331 0 0 METLIFE INC COMMON STOCK 59156R108 46 759 SH SOLE 759 0 0 MICROSOFT CORP COMMON STOCK 594918104 9216 39090 SH SOLE 39090 0 0 MODERNA INC COMMON STOCK 60770K107 7 50 SH SOLE 50 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 7 123 SH SOLE 123 0 0 MONSTER BEVERAGE CORP COMMON STOCK 61174X109 43 475 SH SOLE 475 0 0 MORGAN STANLEY COMMON STOCK 617446448 983 12655 SH SOLE 12655 0 0 NBT BANCORP INC COM COMMON STOCK 628778102 23 565 SH SOLE 565 0 0 NETFLIX INC COMMON STOCK 64110L106 4274 8194 SH SOLE 8194 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 1022 13522 SH SOLE 13522 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 702 5283 SH SOLE 5283 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 75 280 SH SOLE 280 0 0 NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 31 97 SH SOLE 97 0 0 NOVAVAX INC COMMON STOCK 670002401 18 100 SH SOLE 100 0 0 NUCOR CORP COMMON STOCK 670346105 3 35 SH SOLE 35 0 0 NVIDIA CORP COMMON STOCK 67066G104 563 1054 SH SOLE 1054 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 10 380 SH SOLE 380 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 2714 38683 SH SOLE 38683 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 28 404 SH SOLE 404 0 0 PACKAGING CORP OF AMERICA COMMON STOCK 695156109 11 85 SH SOLE 85 0 0 PARKER HANNIFIN CORP COMMON STOCK 701094104 30 95 SH SOLE 95 0 0 PAYCHEX INC COMMON STOCK 704326107 1725 17600 SH SOLE 17600 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 6119 25199 SH SOLE 25199 0 0 PENN NATIONAL GAMING INC COMMON STOCK 707569109 161 1535 SH SOLE 1535 0 0 PEPSICO INC COMMON STOCK 713448108 2298 16245 SH SOLE 16245 0 0 PFIZER INC COMMON STOCK 717081103 2178 60126 SH SOLE 60126 0 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 438 4931 SH SOLE 4931 0 0 PHILLIPS 66 COMMON STOCK 718546104 1006 12334 SH SOLE 12334 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 3114 22997 SH SOLE 22997 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 33 365 SH SOLE 365 0 0 QUALCOMM INC COMMON STOCK 747525103 1357 10231 SH SOLE 10231 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 328 4246 SH SOLE 4246 0 0 ROKU INC COMMON STOCK 77543R102 33 100 SH SOLE 100 0 0 ROPER TECHNOLOGIES INC COMMON STOCK 776696106 42 105 SH SOLE 105 0 0 ROSS STORES INC COMMON STOCK 778296103 36 300 SH SOLE 300 0 0 SALESFORCE.COM COMMON STOCK 79466L302 1318 6222 SH SOLE 6222 0 0 SEMPRA ENERGY COMMON STOCK 816851109 7 50 SH SOLE 50 0 0 SERVICENOW INC COMMON STOCK 81762P102 5 10 SH SOLE 10 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 155 210 SH SOLE 210 0 0 SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 34 295 SH SOLE 295 0 0 SMITH A O CORPORATION COMMON STOCK 831865209 26 390 SH SOLE 390 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 54 866 SH SOLE 866 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 38 625 SH SOLE 625 0 0 SQUARE INC CL A COMMON STOCK 852234103 7 30 SH SOLE 30 0 0 STARBUCKS CORP COMMON STOCK 855244109 2466 22572 SH SOLE 22572 0 0 STATE STREET CORP COMMON STOCK 857477103 32 380 SH SOLE 380 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2736 11233 SH SOLE 11233 0 0 SYSCO CORP COMMON STOCK 871829107 765 9714 SH SOLE 9714 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 376 2192 SH SOLE 2192 0 0 TARGET CORP COMMON STOCK 87612E106 414 2091 SH SOLE 2091 0 0 TESLA INC COMMON STOCK 88160R101 304 455 SH SOLE 455 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1879 9940 SH SOLE 9940 0 0 THE HERSHEY COMPANY COMMON STOCK 427866108 182 1150 SH SOLE 1150 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3014 6605 SH SOLE 6605 0 0 TJX COS INC COMMON STOCK 872540109 1662 25125 SH SOLE 25125 0 0 TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 20 240 SH SOLE 240 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 677 4503 SH SOLE 4503 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 123 2102 SH SOLE 2102 0 0 TWITTER INC COMMON STOCK 90184L102 1 15 SH SOLE 15 0 0 UNION PAC CORP COMMON STOCK 907818108 2965 13452 SH SOLE 13452 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 349 2052 SH SOLE 2052 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1722 4629 SH SOLE 4629 0 0 US BANCORP NEW COMMON STOCK 902973304 1300 23510 SH SOLE 23510 0 0 US CONCRETE INC COMMON STOCK 90333L201 18 250 SH SOLE 250 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 515 7188 SH SOLE 7188 0 0 VALVOLINE INC COMMON STOCK 92047W101 11 425 SH SOLE 425 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1956 33640 SH SOLE 33640 0 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 3 15 SH SOLE 15 0 0 VIATRIS INC COMMON STOCK 92556V106 0 24 SH SOLE 24 0 0 VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 32 1057 SH SOLE 1057 0 0 VISA INC CL A COMMON STOCK 92826C839 4894 23112 SH SOLE 23112 0 0 VONTIER CORP COMMON STOCK 928881101 6 204 SH SOLE 204 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 447 2649 SH SOLE 2649 0 0 WABTEC CORP COMMON STOCK 929740108 12 150 SH SOLE 150 0 0 WALMART INC COMMON STOCK 931142103 952 7008 SH SOLE 7008 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 31 244 SH SOLE 244 0 0 WEC ENERGY GROUP INC COMMON STOCK 92939U106 37 400 SH SOLE 400 0 0 WELLS FARGO & CO COMMON STOCK 949746101 219 5607 SH SOLE 5607 0 0 WILLIAMS COS INC COMMON STOCK 969457100 339 14305 SH SOLE 14305 0 0 XYLEM INC COMMON STOCK 98419M100 8 73 SH SOLE 73 0 0 YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 30 500 SH SOLE 500 0 0 YUM! BRANDS INC COMMON STOCK 988498101 761 7033 SH SOLE 7033 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 178 1110 SH SOLE 1110 0 0 3M CO COMMON STOCK 88579Y101 466 2420 SH SOLE 2420 0 0 BIONTECH SE SPONS ADR COMMON STOCK 09075V102 5 50 SH SOLE 50 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 52 2122 SH SOLE 2122 0 0 RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 43 550 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 104 435 SH SOLE 435 0 0 LEXINGTON REALTY TRUST REIT COMMON STOCK 529043101 17 1500 SH SOLE 1500 0 0 TWO HARBORS INVESTMENT CORP RE COMMON STOCK 90187B408 7 936 SH SOLE 936 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 44341 1331168 SH SOLE 1331168 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 62 225 SH SOLE 225 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 10 500 SH SOLE 500 0 0 BROOKFIELD PROPERTY PARTNERS L COMMON STOCK G16249107 2 125 SH SOLE 125 0 0 CARNIVAL CORP COMMON STOCK 143658300 19 700 SH SOLE 700 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 62 550 SH SOLE 550 0 0 EATON CORP PLC COMMON STOCK G29183103 21 154 SH SOLE 154 0 0 ENBRIDGE INCORPORATED COMMON STOCK 29250N105 55 1500 SH SOLE 1500 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 8 80 SH SOLE 80 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH SOLE 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 158 1338 SH SOLE 1338 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 9 100 SH SOLE 100 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 20 730 SH SOLE 730 0 0 SHOPIFY INC CL A COMMON STOCK 82509L107 40 36 SH SOLE 36 0 0 THOMSON REUTERS CORP COMMON STOCK 884903709 8 90 SH SOLE 90 0 0 TORONTO DOMINION BANK COMMON STOCK 891160509 123 1890 SH SOLE 1890 0 0 TRANE TECHNOLOGIES PLC COMMON STOCK G8994E103 17 100 SH SOLE 100 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 16 220 SH SOLE 220 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 320 1903 SH SOLE 1903 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 96 1409 SH SOLE 1409 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 42 856 SH SOLE 856 0 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 456 13402 SH SOLE 13402 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 36 1485 SH SOLE 1485 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 424 3635 SH SOLE 3635 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 249 2532 SH SOLE 2532 0 0 INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 35 1780 SH SOLE 1780 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1240 3885 SH SOLE 3885 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 15159 58243 SH SOLE 58243 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 14070 129645 SH SOLE 129645 0 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 133 1432 SH SOLE 1432 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 18 235 SH SOLE 235 0 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 5 93 SH SOLE 93 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 461 6235 SH SOLE 6235 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 42 735 SH SOLE 735 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1538 19518 SH SOLE 19518 0 0 REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 2 59 SH SOLE 59 0 0 SPDR GOLD TRUST OTHER 78463V107 244 1525 SH SOLE 1525 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 375 6652 SH SOLE 6652 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 982 25899 SH SOLE 25899 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 195 1440 SH SOLE 1440 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 46 1260 SH SOLE 1260 0 0 SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 36 75 SH SOLE 75 0 0 SPDR S&P TELECOM ETF OTHER 78464A540 94 1000 SH SOLE 1000 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 9663 24380 SH SOLE 24380 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 553 4165 SH SOLE 4165 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 550 8593 SH SOLE 8593 0 0 VANECK VECTORS BIOTECH ETF OTHER 92189F726 44 250 SH SOLE 250 0 0 VANECK VECTORS GOLD MINERS ETF OTHER 92189F106 59 1818 SH SOLE 1818 0 0 VANECK VECTORS SEMICONDUCTOR E OTHER 92189F676 105 432 SH SOLE 432 0 0 VANECK VECTORS SOC SENT ETF OTHER 92189H839 42 1750 SH SOLE 1750 0 0 VANGUARD GROWTH ETF OTHER 922908736 143 556 SH SOLE 556 0 0 VANGUARD MID-CAP ETF OTHER 922908629 60736 274403 SH SOLE 274403 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 187 2035 SH SOLE 2035 0 0 VANGUARD S&P 500 ETF OTHER 922908363 94316 258896 SH SOLE 258896 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 24794 115818 SH SOLE 115818 0 0 ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 13 100 SH SOLE 100 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 1213 14063 SH SOLE 14063 0 0 ISHARES CORE US AGGREGATE BOND OTHER 464287226 14691 129060 SH SOLE 129060 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 200 7700 SH SOLE 7700 0 0 ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 1059 42608 SH SOLE 42608 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 883 34690 SH SOLE 34690 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 841 32164 SH SOLE 32164 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 427 16177 SH SOLE 16177 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 494 18410 SH SOLE 18410 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 391 14819 SH SOLE 14819 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 220 7776 SH SOLE 7776 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 443 16946 SH SOLE 16946 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 149 6000 SH SOLE 6000 0 0 ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 189 7794 SH SOLE 7794 0 0 ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 443 17976 SH SOLE 17976 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 4968 90851 SH SOLE 90851 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 266 9940 SH SOLE 9940 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 32873 398461 SH SOLE 398461 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1966 23206 SH SOLE 23206 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 964 8309 SH SOLE 8309 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4348 75371 SH SOLE 75371 0 0 3M CO COMMON STOCK 88579Y101 14 75 SH SOLE 75 0 0 ABBOTT LABS COMMON STOCK 002824100 24 200 SH OTR 0 200 0 ABBOTT LABS COMMON STOCK 002824100 75 623 SH SOLE 623 0 0 ABBVIE INC COMMON STOCK 00287Y109 22 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 13 118 SH SOLE 118 0 0 ADOBE INC COMMON STOCK 00724F101 172 362 SH SOLE 362 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 309 150 SH SOLE 150 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 89 43 SH SOLE 43 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 23 450 SH SOLE 450 0 0 AMAZON.COM INC COMMON STOCK 023135106 381 123 SH SOLE 123 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 42 300 SH OTR 0 300 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 21 150 SH SOLE 150 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 51 340 SH SOLE 340 0 0 AMGEN INC COMMON STOCK 031162100 37 150 SH OTR 0 150 0 AMGEN INC COMMON STOCK 031162100 20 79 SH SOLE 79 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 27 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 51 420 SH OTR 0 420 0 APPLE INC COMMON STOCK 037833100 1046 8561 SH SOLE 8561 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 647 19424 SH SOLE 19424 0 0 AT&T INC COMMON STOCK 00206R102 9 300 SH OTR 0 300 0 AT&T INC COMMON STOCK 00206R102 143 4720 SH SOLE 4720 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 44 235 SH SOLE 235 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 142 3674 SH SOLE 3674 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 7 150 SH SOLE 150 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 137 536 SH SOLE 536 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 148 196 SH SOLE 196 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 3 SH SOLE 3 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 16 250 SH OTR 0 250 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 132 2088 SH SOLE 2088 0 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 3 75 SH SOLE 75 0 0 CATERPILLAR INC COMMON STOCK 149123101 2 8 SH SOLE 8 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 20 190 SH OTR 0 190 0 CHEVRON CORPORATION COMMON STOCK 166764100 85 814 SH SOLE 814 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 21 400 SH OTR 0 400 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 144 2784 SH SOLE 2784 0 0 CLOROX COMPANY COMMON STOCK 189054109 14 75 SH SOLE 75 0 0 COCA COLA CO COMMON STOCK 191216100 108 2050 SH SOLE 2050 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 16 200 SH OTR 0 200 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 23 290 SH SOLE 290 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 51 700 SH SOLE 700 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 27 504 SH SOLE 504 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 84 500 SH SOLE 500 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 32 470 SH SOLE 470 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 87 383 SH SOLE 383 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 98 278 SH SOLE 278 0 0 CUMMINS INC COMMON STOCK 231021106 91 353 SH SOLE 353 0 0 DANAHER CORP COMMON STOCK 235851102 23 101 SH OTR 0 101 0 DANAHER CORP COMMON STOCK 235851102 13 59 SH SOLE 59 0 0 DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 3 33 SH SOLE 33 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 37 200 SH OTR 0 200 0 DISNEY WALT CO NEW COMMON STOCK 254687106 288 1560 SH SOLE 1560 0 0 DOLLAR TREE INC COMMON STOCK 256746108 84 730 SH SOLE 730 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH OTR 0 200 0 DOMINION ENERGY INC COMMON STOCK 25746U109 15 200 SH SOLE 200 0 0 DOW INC COMMON STOCK 260557103 4 66 SH OTR 0 66 0 DOW INC COMMON STOCK 260557103 3 45 SH SOLE 45 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 66 SH OTR 0 66 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 45 SH SOLE 45 0 0 ECOLAB INC COMMON STOCK 278865100 24 110 SH SOLE 110 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 11 219 SH SOLE 219 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 12 220 SH OTR 0 220 0 EXXON MOBIL CORP COMMON STOCK 30231G102 108 1943 SH SOLE 1943 0 0 FACEBOOK INC-A COMMON STOCK 30303M102 101 344 SH SOLE 344 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 28 100 SH SOLE 100 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 107 592 SH SOLE 592 0 0 GENERAL ELECTRIC CORP COMMON STOCK 369604103 76 5784 SH SOLE 5784 0 0 GENERAL MLS INC COMMON STOCK 370334104 6 100 SH OTR 0 100 0 GENERAL MLS INC COMMON STOCK 370334104 21 350 SH SOLE 350 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 64 983 SH SOLE 983 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 25 75 SH SOLE 75 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 93 800 SH SOLE 800 0 0 HOME DEPOT INC COMMON STOCK 437076102 31 100 SH OTR 0 100 0 HOME DEPOT INC COMMON STOCK 437076102 281 920 SH SOLE 920 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 186 859 SH SOLE 859 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 44 200 SH SOLE 200 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 65 660 SH SOLE 660 0 0 INTEL CORP COMMON STOCK 458140100 26 400 SH OTR 0 400 0 INTEL CORP COMMON STOCK 458140100 137 2134 SH SOLE 2134 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 158 1419 SH SOLE 1419 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 5 33 SH SOLE 33 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 13 100 SH OTR 0 100 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 54 407 SH SOLE 407 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 138 431 SH SOLE 431 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 21 378 SH SOLE 378 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 21 242 SH SOLE 242 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 5 12 SH SOLE 12 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 666 2560 SH SOLE 2560 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 926 8528 SH SOLE 8528 0 0 ISHARES CORE US AGGREGATE BOND OTHER 464287226 728 6397 SH SOLE 6397 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 1554 59845 SH SOLE 59845 0 0 ISHARES ESG AWARE USD CORP BON OTHER 46435G193 1708 63379 SH SOLE 63379 0 0 ISHARES IBONDS DEC 2021 TERM C OTHER 46434VBK5 6 261 SH SOLE 261 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 6 254 SH SOLE 254 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 39 1497 SH SOLE 1497 0 0 ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 78 2956 SH SOLE 2956 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 104 3885 SH SOLE 3885 0 0 ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 131 4963 SH SOLE 4963 0 0 ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 101 3576 SH SOLE 3576 0 0 ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 45 1712 SH SOLE 1712 0 0 ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 6 253 SH SOLE 253 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 216 3743 SH SOLE 3743 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 59 800 SH SOLE 800 0 0 ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 98 3683 SH SOLE 3683 0 0 JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 15 115 SH SOLE 115 0 0 JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 8 99 SH SOLE 99 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 25 150 SH OTR 0 150 0 JOHNSON & JOHNSON COMMON STOCK 478160104 307 1870 SH SOLE 1870 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 293 1922 SH SOLE 1922 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 2 50 SH SOLE 50 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 85 231 SH SOLE 231 0 0 LOWES COS INC COMMON STOCK 548661107 120 629 SH SOLE 629 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 7 48 SH OTR 0 48 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 75 SH SOLE 75 0 0 MASCO CORP COMMON STOCK 574599106 9 150 SH SOLE 150 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 137 384 SH SOLE 384 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 170 2159 SH SOLE 2159 0 0 MCDONALDS CORP COMMON STOCK 580135101 22 100 SH OTR 0 100 0 MCDONALDS CORP COMMON STOCK 580135101 66 293 SH SOLE 293 0 0 MERCK & CO INC COMMON STOCK 58933Y105 146 1888 SH SOLE 1888 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 69 447 SH SOLE 447 0 0 MICROSOFT CORP COMMON STOCK 594918104 94 400 SH OTR 0 400 0 MICROSOFT CORP COMMON STOCK 594918104 515 2186 SH SOLE 2186 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 300 SH SOLE 300 0 0 MORGAN STANLEY COMMON STOCK 617446448 23 300 SH SOLE 300 0 0 NETFLIX INC COMMON STOCK 64110L106 204 392 SH SOLE 392 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 35 460 SH SOLE 460 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 89 669 SH SOLE 669 0 0 NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 120 2789 SH SOLE 2789 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 5 170 SH SOLE 170 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 21 300 SH OTR 0 300 0 ORACLE CORPORATION COMMON STOCK 68389X105 189 2697 SH SOLE 2697 0 0 PAYCHEX INC COMMON STOCK 704326107 159 1625 SH SOLE 1625 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 331 1363 SH SOLE 1363 0 0 PEPSICO INC COMMON STOCK 713448108 21 150 SH OTR 0 150 0 PEPSICO INC COMMON STOCK 713448108 126 894 SH SOLE 894 0 0 PFIZER INC COMMON STOCK 717081103 141 3898 SH SOLE 3898 0 0 PHILLIPS 66 COMMON STOCK 718546104 59 727 SH SOLE 727 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 20 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 162 1195 SH SOLE 1195 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 11 125 SH SOLE 125 0 0 QUALCOMM INC COMMON STOCK 747525103 117 886 SH SOLE 886 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 27 346 SH SOLE 346 0 0 SALESFORCE.COM COMMON STOCK 79466L302 75 355 SH SOLE 355 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 15 555 SH SOLE 555 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 9 150 SH SOLE 150 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 147 370 SH SOLE 370 0 0 SQUARE INC CL A COMMON STOCK 852234103 17 75 SH SOLE 75 0 0 STARBUCKS CORP COMMON STOCK 855244109 145 1323 SH SOLE 1323 0 0 STRYKER CORPORATION COMMON STOCK 863667101 209 859 SH SOLE 859 0 0 SYSCO CORP COMMON STOCK 871829107 56 716 SH SOLE 716 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 43 250 SH OTR 0 250 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 55 322 SH SOLE 322 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 133 1000 SH SOLE 1000 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 137 723 SH SOLE 723 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 132 290 SH SOLE 290 0 0 TJX COS INC COMMON STOCK 872540109 26 400 SH OTR 0 400 0 TJX COS INC COMMON STOCK 872540109 132 1991 SH SOLE 1991 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 62 413 SH SOLE 413 0 0 UNION PAC CORP COMMON STOCK 907818108 147 666 SH SOLE 666 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 6 36 SH SOLE 36 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 122 327 SH SOLE 327 0 0 US BANCORP NEW COMMON STOCK 902973304 104 1886 SH SOLE 1886 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 73 1137 SH SOLE 1137 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 37 510 SH SOLE 510 0 0 VANGUARD MID-CAP ETF OTHER 922908629 98 443 SH OTR 0 443 0 VANGUARD MID-CAP ETF OTHER 922908629 4005 18095 SH SOLE 18095 0 0 VANGUARD S&P 500 ETF OTHER 922908363 7988 21927 SH SOLE 21927 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 2117 25658 SH SOLE 25658 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 34 158 SH OTR 0 158 0 VANGUARD SMALL-CAP 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3022 9900 SH DFND 3 9900 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2171 10000 SH DFND 3 10000 0 0 INTEL CORP COMMON STOCK 458140100 1542 24100 SH DFND 3 24100 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3255 29150 SH DFND 3 29150 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3040 18500 SH DFND 3 18500 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 3623 23800 SH DFND 3 23800 0 0 MASCO CORP COMMON STOCK 574599106 2995 50000 SH DFND 3 50000 0 0 MCDONALDS CORP COMMON STOCK 580135101 583 2600 SH DFND 3 2600 0 0 MERCK & CO INC COMMON STOCK 58933Y105 2151 27900 SH DFND 3 27900 0 0 MICROSOFT CORP COMMON STOCK 594918104 8063 34200 SH DFND 3 34200 0 0 MORGAN STANLEY COMMON STOCK 617446448 2718 35000 SH DFND 3 35000 0 0 NETFLIX INC COMMON STOCK 64110L106 4304 8250 SH DFND 3 8250 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 1074 14200 SH DFND 3 14200 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 1595 12000 SH DFND 3 12000 0 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 0 1 SH DFND 3 1 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 1333 19000 SH DFND 3 19000 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1457 6000 SH DFND 3 6000 0 0 PEPSICO INC COMMON STOCK 713448108 2009 14200 SH DFND 3 14200 0 0 PFIZER INC COMMON STOCK 717081103 1975 54500 SH DFND 3 54500 0 0 PHILLIPS 66 COMMON STOCK 718546104 1386 17000 SH DFND 3 17000 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 2411 17800 SH DFND 3 17800 0 0 QUALCOMM INC COMMON STOCK 747525103 1492 11250 SH DFND 3 11250 0 0 RESIDEO TECHNOLOGIES INC COMMON STOCK 76118Y104 0 1 SH DFND 3 1 0 0 SALESFORCE.COM COMMON STOCK 79466L302 4386 20700 SH DFND 3 20700 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 1550 2100 SH DFND 3 2100 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 855 13750 SH DFND 3 13750 0 0 STRYKER CORPORATION COMMON STOCK 863667101 2545 10450 SH DFND 3 10450 0 0 SYSCO CORP COMMON STOCK 871829107 1378 17500 SH DFND 3 17500 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2394 5245 SH DFND 3 5245 0 0 TJX COS INC COMMON STOCK 872540109 1525 23050 SH DFND 3 23050 0 0 TWITTER INC COMMON STOCK 90184L102 1273 20000 SH DFND 3 20000 0 0 UNDER ARMOUR INC CL C COMMON STOCK 904311206 0 1 SH DFND 3 1 0 0 UNION PAC CORP COMMON STOCK 907818108 992 4500 SH DFND 3 4500 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1530 9000 SH DFND 3 9000 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4279 11500 SH DFND 3 11500 0 0 VALERO ENERGY CORP COMMON STOCK 91913Y100 695 9700 SH DFND 3 9700 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 872 15000 SH DFND 3 15000 0 0 VF CORP COMMON STOCK 918204108 999 12500 SH DFND 3 12500 0 0 VISA INC CL A COMMON STOCK 92826C839 7199 34000 SH DFND 3 34000 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 506 3000 SH DFND 3 3000 0 0 WALMART INC COMMON STOCK 931142103 2961 21800 SH DFND 3 21800 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 903 7000 SH DFND 3 7000 0 0 ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 822 5000 SH DFND 3 5000 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 693 2900 SH DFND 3 2900 0 0 PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 691 2800 SH DFND 3 2800 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 884 8500 SH DFND 3 8500 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 815 6900 SH DFND 3 6900 0 0 OCCIDENTAL PETROLEUM - WTS 8 OTHER 674599162 0 1 SH DFND 3 1 0 0