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 2,018 17,047 SH   DFND 2 17,047 0 0
ABBVIE INC COMMON STOCK 00287Y109 934 5,760 SH   DFND 2 5,760 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,547 19,307 SH   DFND 2 19,307 0 0
ADOBE INC COMMON STOCK 00724F101 2,649 5,813 SH   DFND 2 5,813 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 69 278 SH   DFND 2 278 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 8,441 3,035 SH   DFND 2 3,035 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 2,204 789 SH   DFND 2 789 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 289 5,531 SH   DFND 2 5,531 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,637 2,036 SH   DFND 2 2,036 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 34 340 SH   DFND 2 340 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 359 1,920 SH   DFND 2 1,920 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 20 320 SH   DFND 2 320 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 798 4,823 SH   DFND 2 4,823 0 0
AMGEN INC COMMON STOCK 031162100 1,257 5,200 SH   DFND 2 5,200 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 10 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100 10,981 62,886 SH   DFND 2 62,886 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 303 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 18 200 SH   DFND 2 200 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 88 891 SH   DFND 2 891 0 0
AT&T INC COMMON STOCK 00206R102 369 15,619 SH   DFND 2 15,619 0 0
AUTODESK INC COMMON STOCK 052769106 17 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 254 1,115 SH   DFND 2 1,115 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,115 51,313 SH   DFND 2 51,313 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 64 1,280 SH   DFND 2 1,280 0 0
BAXTER INTL INC COMMON STOCK 071813109 33 430 SH   DFND 2 430 0 0
BECTON DICKINSON COMMON STOCK 075887109 51 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,525 9,989 SH   DFND 2 9,989 0 0
BEST BUY CO INC COMMON STOCK 086516101 115 1,269 SH   DFND 2 1,269 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,518 3,295 SH   DFND 2 3,295 0 0
BLACKSTONE INC COMMON STOCK 09260D107 128 1,008 SH   DFND 2 1,008 0 0
BLOCK INC CL A COMMON STOCK 852234103 171 1,264 SH   DFND 2 1,264 0 0
BOEING CO COMMON STOCK 097023105 39 205 SH   DFND 2 205 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 75 32 SH   DFND 2 32 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 35 795 SH   DFND 2 795 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,527 34,606 SH   DFND 2 34,606 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 47 355 SH   DFND 2 355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 6 100 SH   DFND 2 100 0 0
CARLOTZ INC CL A COMMON STOCK 142552108 1 750 SH   DFND 2 750 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 54 1,177 SH   DFND 2 1,177 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,823 8,182 SH   DFND 2 8,182 0 0
CERNER CORP COMMON STOCK 156782104 4 45 SH   DFND 2 45 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 53 625 SH   DFND 2 625 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,331 8,176 SH   DFND 2 8,176 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3,036 54,449 SH   DFND 2 54,449 0 0
CITIGROUP INC COMMON STOCK 172967424 8 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109 79 569 SH   DFND 2 569 0 0
CME GROUP INC COMMON STOCK 12572Q105 90 378 SH   DFND 2 378 0 0
CMS ENERGY CORP COMMON STOCK 125896100 8 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100 1,532 24,716 SH   DFND 2 24,716 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 231 3,045 SH   DFND 2 3,045 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 143 3,048 SH   DFND 2 3,048 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,034 10,335 SH   DFND 2 10,335 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 70 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,085 4,712 SH   DFND 2 4,712 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 2 33 SH   DFND 2 33 0 0
CORNING INC COMMON STOCK 219350105 81 2,184 SH   DFND 2 2,184 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,652 4,605 SH   DFND 2 4,605 0 0
CSX CORP COMMON STOCK 126408103 17 450 SH   DFND 2 450 0 0
CUMMINS INC COMMON STOCK 231021106 1,418 6,911 SH   DFND 2 6,911 0 0
CVS HEALTH CORP COMMON STOCK 126650100 19 192 SH   DFND 2 192 0 0
DANAHER CORP COMMON STOCK 235851102 1,428 4,868 SH   DFND 2 4,868 0 0
DEERE & CO COMMON STOCK 244199105 345 830 SH   DFND 2 830 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,286 23,959 SH   DFND 2 23,959 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 27 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 2,845 17,767 SH   DFND 2 17,767 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 245 2,881 SH   DFND 2 2,881 0 0
DOW INC COMMON STOCK 260557103 59 924 SH   DFND 2 924 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 105 940 SH   DFND 2 940 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 70 946 SH   DFND 2 946 0 0
EBAY INC COMMON STOCK 278642103 23 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100 450 2,547 SH   DFND 2 2,547 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 25 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   DFND 2 25 0 0
EMERSON ELEC CO COMMON STOCK 291011104 153 1,560 SH   DFND 2 1,560 0 0
EOG RES INC COMMON STOCK 26875P101 52 435 SH   DFND 2 435 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 55 1,082 SH   DFND 2 1,082 0 0
EXELIXIS INC COMMON STOCK 30161Q104 12 510 SH   DFND 2 510 0 0
EXELON CORP COMMON STOCK 30161N101 5 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,766 33,488 SH   DFND 2 33,488 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 26 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 320 1,383 SH   DFND 2 1,383 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 37 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 243 2,400 SH   DFND 2 2,400 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 163 9,650 SH   DFND 2 9,650 0 0
FORTIVE CORP COMMON STOCK 34959J108 81 1,328 SH   DFND 2 1,328 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 2,147 8,902 SH   DFND 2 8,902 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 216 2,361 SH   DFND 2 2,361 0 0
GENERAL MLS INC COMMON STOCK 370334104 203 2,995 SH   DFND 2 2,995 0 0
GENUINE PARTS CO COMMON STOCK 372460105 26 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 168 2,829 SH   DFND 2 2,829 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 182 552 SH   DFND 2 552 0 0
GRAINGER W W INC COMMON STOCK 384802104 39 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330103 1 2,217 SH   DFND 2 2,217 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 63 1,495 SH   DFND 2 1,495 0 0
HERTZ GLOBAL HOLDINGS INC COMMON STOCK 42806J700 16 735 SH   DFND 2 735 0 0
HOME DEPOT INC COMMON STOCK 437076102 4,027 13,453 SH   DFND 2 13,453 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,600 13,364 SH   DFND 2 13,364 0 0
IDACORP INC COMMON STOCK 451107106 27 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 92 440 SH   DFND 2 440 0 0
INFINERA CORP COMMON STOCK 45667G103 4 500 SH   DFND 2 500 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 1 13 SH   DFND 2 13 0 0
INTEL CORP COMMON STOCK 458140100 2,320 46,809 SH   DFND 2 46,809 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,816 21,312 SH   DFND 2 21,312 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 211 1,603 SH   DFND 2 1,603 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 259 1,993 SH   DFND 2 1,993 0 0
JABIL INC COMMON STOCK 466313103 6 100 SH   DFND 2 100 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 24 120 SH   DFND 2 120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 210 1,525 SH   DFND 2 1,525 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,977 22,437 SH   DFND 2 22,437 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,788 27,786 SH   DFND 2 27,786 0 0
KADANT INC COMMON STOCK 48282T104 157 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108 6 100 SH   DFND 2 100 0 0
KEMPER CORP COMMON STOCK 488401100 11 200 SH   DFND 2 200 0 0
KEYCORP COMMON STOCK 493267108 18 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 19 155 SH   DFND 2 155 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 98 1,670 SH   DFND 2 1,670 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 26 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 296 1,033 SH   DFND 2 1,033 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 342 775 SH   DFND 2 775 0 0
LOWES COS INC COMMON STOCK 548661107 1,943 9,611 SH   DFND 2 9,611 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 13 72 SH   DFND 2 72 0 0
MASCO CORP COMMON STOCK 574599106 747 14,650 SH   DFND 2 14,650 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 2,696 7,545 SH   DFND 2 7,545 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 113 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,922 7,774 SH   DFND 2 7,774 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 16 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 566 6,898 SH   DFND 2 6,898 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 589 2,648 SH   DFND 2 2,648 0 0
METLIFE INC COMMON STOCK 59156R108 46 659 SH   DFND 2 659 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,312 30,202 SH   DFND 2 30,202 0 0
MODERNA INC COMMON STOCK 60770K107 43 250 SH   DFND 2 250 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 38 475 SH   DFND 2 475 0 0
MORGAN STANLEY COMMON STOCK 617446448 860 9,845 SH   DFND 2 9,845 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 13 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106 2,573 6,869 SH   DFND 2 6,869 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 807 9,527 SH   DFND 2 9,527 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 843 6,266 SH   DFND 2 6,266 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 80 280 SH   DFND 2 280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 37 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401 7 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105 5 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,396 5,115 SH   DFND 2 5,115 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 3,412 41,242 SH   DFND 2 41,242 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 24 309 SH   DFND 2 309 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 13 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 26 90 SH   DFND 2 90 0 0
PAYCHEX INC COMMON STOCK 704326107 2,844 20,843 SH   DFND 2 20,843 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 2,942 25,437 SH   DFND 2 25,437 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 65 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108 1,636 9,772 SH   DFND 2 9,772 0 0
PFIZER INC COMMON STOCK 717081103 2,819 54,454 SH   DFND 2 54,454 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 399 4,251 SH   DFND 2 4,251 0 0
PHILLIPS 66 COMMON STOCK 718546104 12 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202 6 200 SH   DFND 2 200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,685 17,574 SH   DFND 2 17,574 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 41 350 SH   DFND 2 350 0 0
QUALCOMM INC COMMON STOCK 747525103 2,325 15,212 SH   DFND 2 15,212 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 254 2,560 SH   DFND 2 2,560 0 0
ROKU INC COMMON STOCK 77543R102 13 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 50 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103 23 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 41 100 SH   DFND 2 100 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,021 4,811 SH   DFND 2 4,811 0 0
SERVICENOW INC COMMON STOCK 81762P102 6 10 SH   DFND 2 10 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 148 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 7 50 SH   DFND 2 50 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 25 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 28 390 SH   DFND 2 390 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 23 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,809 19,889 SH   DFND 2 19,889 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,618 9,791 SH   DFND 2 9,791 0 0
SYSCO CORP COMMON STOCK 871829107 1,037 12,698 SH   DFND 2 12,698 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 327 2,162 SH   DFND 2 2,162 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 565 5,705 SH   OTR 2 0 5,705 0
TESLA INC COMMON STOCK 88160R101 415 385 SH   DFND 2 385 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2,759 15,037 SH   DFND 2 15,037 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 5 25 SH   DFND 2 25 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,061 5,182 SH   DFND 2 5,182 0 0
TJX COS INC COMMON STOCK 872540109 1,804 29,783 SH   DFND 2 29,783 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 19 240 SH   DFND 2 240 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 17,280 47,663 SH   DFND 2 47,663 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 86 1,525 SH   DFND 2 1,525 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204 1 43 SH   DFND 2 43 0 0
TWITTER INC COMMON STOCK 90184L102 1 15 SH   DFND 2 15 0 0
UNION PAC CORP COMMON STOCK 907818108 3,407 12,471 SH   DFND 2 12,471 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 231 1,077 SH   DFND 2 1,077 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3,034 5,950 SH   DFND 2 5,950 0 0
US BANCORP NEW COMMON STOCK 902973304 1,203 22,641 SH   DFND 2 22,641 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,262 44,404 SH   DFND 2 44,404 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH   DFND 2 15 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 10 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 4,786 21,580 SH   DFND 2 21,580 0 0
VONTIER CORP COMMON STOCK 928881101 4 176 SH   DFND 2 176 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 295 1,605 SH   DFND 2 1,605 0 0
WABTEC CORP COMMON STOCK 929740108 14 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103 1,296 8,703 SH   DFND 2 8,703 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 39 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 34 345 SH   DFND 2 345 0 0
WELLS FARGO & CO COMMON STOCK 949746101 256 5,285 SH   DFND 2 5,285 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1,291 38,631 SH   DFND 2 38,631 0 0
XYLEM INC COMMON STOCK 98419M100 6 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 21 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 1,348 11,370 SH   DFND 2 11,370 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 105 820 SH   DFND 2 820 0 0
ZIMVIE INC COMMON STOCK 98888T107 1 55 SH   DFND 2 55 0 0
3M CO COMMON STOCK 88579Y101 354 2,375 SH   DFND 2 2,375 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102 9 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 62 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 48 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 109 435 SH   DFND 2 435 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 24 1,500 SH   DFND 2 1,500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 46,810 1,443,857 SH   DFND 2 1,443,857 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 76 225 SH   DFND 2 225 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 12 500 SH   DFND 2 500 0 0
CARNIVAL CORP COMMON STOCK 143658300 14 700 SH   DFND 2 700 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 24 175 SH   DFND 2 175 0 0
EATON CORP PLC COMMON STOCK G29183103 23 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 127 2,746 SH   DFND 2 2,746 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108 48 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 853 8,299 SH   DFND 2 8,299 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 5 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 149 1,341 SH   DFND 2 1,341 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 1 1,000 SH   DFND 2 1,000 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 11 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 23 545 SH   DFND 2 545 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 24 36 SH   DFND 2 36 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 10 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 150 1,890 SH   DFND 2 1,890 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 15 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 339 1,833 SH   DFND 2 1,833 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 100 1,320 SH   DFND 2 1,320 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 138 1,800 SH   DFND 2 1,800 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 511 13,341 SH   DFND 2 13,341 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 37 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 489 3,571 SH   DFND 2 3,571 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 260 2,520 SH   DFND 2 2,520 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 35 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 111 306 SH   OTR 2 0 306 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 37,787 593,853 SH   DFND 2 593,853 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 65 935 SH   DFND 2 935 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 37,629 140,228 SH   DFND 2 140,228 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 33,450 310,068 SH   DFND 2 310,068 0 0
ISHARES CORE S&P U.S. GROWTH E OTHER 464287671 4 36 SH   DFND 2 36 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 11 150 SH   DFND 2 150 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 0 1 SH   DFND 2 1 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 235 3,015 SH   DFND 2 3,015 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 7 34 SH   DFND 2 34 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 43 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 2,169 24,605 SH   DFND 2 24,605 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 3 59 SH   DFND 2 59 0 0
SPDR GOLD TRUST OTHER 78463V107 270 1,495 SH   DFND 2 1,495 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 551 8,321 SH   DFND 2 8,321 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 360 8,626 SH   DFND 2 8,626 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 129 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 53 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 12 25 SH   DFND 2 25 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 6,823 15,108 SH   DFND 2 15,108 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 640 4,029 SH   DFND 2 4,029 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 754 10,131 SH   DFND 2 10,131 0 0
VANECK BIOTECH ETF OTHER 92189F726 41 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 64 1,670 SH   DFND 2 1,670 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676 117 432 SH   DFND 2 432 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 34 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 6 124 SH   DFND 2 124 0 0
VANGUARD GROWTH ETF OTHER 922908736 160 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504 13 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702 43 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629 41,296 173,630 SH   DFND 2 173,630 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 20 185 SH   DFND 2 185 0 0
VANGUARD S&P 500 ETF OTHER 922908363 98,353 236,897 SH   DFND 2 236,897 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 15,600 73,403 SH   DFND 2 73,403 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 207 2,484 SH   DFND 2 2,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 10,739 100,270 SH   DFND 2 100,270 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 382 15,520 SH   DFND 2 15,520 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 1,373 54,824 SH   DFND 2 54,824 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 1,666 65,896 SH   DFND 2 65,896 0 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 1,211 48,239 SH   DFND 2 48,239 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 1,308 51,816 SH   DFND 2 51,816 0 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 1,279 51,882 SH   DFND 2 51,882 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 912 34,634 SH   DFND 2 34,634 0 0
TARGET CORP COMMON STOCK 87612E106 14 66 SH   DFND 2 66 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 886 38,236 SH   DFND 2 38,236 0 0
ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 774 34,023 SH   DFND 2 34,023 0 0
ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 31 1,270 SH   DFND 2 1,270 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 775 32,564 SH   DFND 2 32,564 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 142 5,981 SH   DFND 2 5,981 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 6,032 116,629 SH   DFND 2 116,629 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 1,071 42,941 SH   DFND 2 42,941 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 23,482 300,701 SH   DFND 2 300,701 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 6,196 77,901 SH   DFND 2 77,901 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1,064 9,704 SH   DFND 2 9,704 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 4,248 77,876 SH   DFND 2 77,876 0 0
ABBOTT LABS COMMON STOCK 002824100 138 1,162 SH   OTR 2 0 1,162 0
ABBVIE INC COMMON STOCK 00287Y109 328 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101 146 320 SH   OTR 2 0 320 0
ALPHABET INC CL A COMMON STOCK 02079K305 854 307 SH   OTR 2 0 307 0
ALPHABET INC CL C COMMON STOCK 02079K107 279 100 SH   OTR 2 0 100 0
ALTRIA GROUP INC COMMON STOCK 02209S103 8 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106 427 131 SH   OTR 2 0 131 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 243 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 42 255 SH   OTR 2 0 255 0
AMGEN INC COMMON STOCK 031162100 60 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 1,888 10,812 SH   OTR 2 0 10,812 0
AT&T INC COMMON STOCK 00206R102 115 4,857 SH   OTR 2 0 4,857 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 711 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104 221 5,370 SH   OTR 2 0 5,370 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 73 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 147 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109 39 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 429 1,215 SH   OTR 2 0 1,215 0
BLACKROCK INC CL A COMMON STOCK 09247X101 195 255 SH   OTR 2 0 255 0
BLOCK INC CL A COMMON STOCK 852234103 25 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 183 2,511 SH   OTR 2 0 2,511 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 11 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 219 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101 251 1,125 SH   OTR 2 0 1,125 0
CF ACQUISITION CORP VI CL A COMMON STOCK 12521J103 12 1,000 SH   OTR 2 0 1,000 0
CHEVRON CORPORATION COMMON STOCK 166764100 429 2,633 SH   OTR 2 0 2,633 0
CIGNA CORP COMMON STOCK 125523100 11 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 78 1,405 SH   OTR 2 0 1,405 0
CLOROX COMPANY COMMON STOCK 189054109 14 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100 123 1,980 SH   OTR 2 0 1,980 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 432 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101 14 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 135 1,346 SH   OTR 2 0 1,346 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 177 767 SH   OTR 2 0 767 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 60 105 SH   OTR 2 0 105 0
CUMMINS INC COMMON STOCK 231021106 38 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100 39 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 44 151 SH   OTR 2 0 151 0
DISNEY WALT CO NEW COMMON STOCK 254687106 257 1,877 SH   OTR 2 0 1,877 0
DOCUSIGN INC COMMON STOCK 256163106 24 225 SH   OTR 2 0 225 0
DOLLAR TREE INC COMMON STOCK 256746108 28 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109 49 575 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 71 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 177 1,000 SH   OTR 2 0 1,000 0
EMERSON ELEC CO COMMON STOCK 291011104 311 3,170 SH   OTR 2 0 3,170 0
EOG RES INC COMMON STOCK 26875P101 4 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102 757 9,160 SH   OTR 2 0 9,160 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 48 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 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 530 1,769 SH   OTR 2 0 1,769 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 143 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100 386 7,785 SH   OTR 2 0 7,785 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 129 975 SH   OTR 2 0 975 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 585 4,500 SH   OTR 2 0 4,500 0
INTUIT INC COMMON STOCK 461202103 389 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 91 662 SH   OTR 2 0 662 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,143 6,451 SH   OTR 2 0 6,451 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,002 7,350 SH   OTR 2 0 7,350 0
KELLOGG CO COMMON STOCK 487836108 58 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106 1 33 SH   OTR 2 0 33 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 12 880 SH   OTR 2 0 880 0
LILLY ELI & CO COMMON STOCK 532457108 515 1,800 SH   OTR 2 0 1,800 0
LOWES COS INC COMMON STOCK 548661107 199 985 SH   OTR 2 0 985 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 65 SH   OTR 2 0 65 0
MASCO CORP COMMON STOCK 574599106 11 225 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 122 495 SH   OTR 2 0 495 0
MERCK & CO INC COMMON STOCK 58933Y105 267 3,255 SH   OTR 2 0 3,255 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 37 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108 17 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 2,429 7,878 SH   OTR 2 0 7,878 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 175 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106 81 215 SH   OTR 2 0 215 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 209 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103 397 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 193 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 284 1,040 SH   OTR 2 0 1,040 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 34 600 SH   OTR 2 0 600 0
ORACLE CORPORATION COMMON STOCK 68389X105 515 6,220 SH   OTR 2 0 6,220 0
ORGANON & CO COMMON STOCK 68622V106 6 180 SH   OTR 2 0 180 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 162 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 29 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107 205 1,500 SH   OTR 2 0 1,500 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 119 1,025 SH   OTR 2 0 1,025 0
PEPSICO INC COMMON STOCK 713448108 809 4,835 SH   OTR 2 0 4,835 0
PFIZER INC COMMON STOCK 717081103 597 11,530 SH   OTR 2 0 11,530 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 9 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104 3 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 782 5,120 SH   OTR 2 0 5,120 0
QUALCOMM INC COMMON STOCK 747525103 37 245 SH   OTR 2 0 245 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 68 500 SH   OTR 2 0 500 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 106 582 SH   SOLE   582 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 44 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109 192 2,110 SH   OTR 2 0 2,110 0
STRYKER CORPORATION COMMON STOCK 863667101 394 1,475 SH   OTR 2 0 1,475 0
SYSCO CORP COMMON STOCK 871829107 22 270 SH   OTR 2 0 270 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 263 1,740 SH   OTR 2 0 1,740 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 30 165 SH   OTR 2 0 165 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 230 390 SH   OTR 2 0 390 0
TJX COS INC COMMON STOCK 872540109 133 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,787 9,780 SH   DFND 2 9,780 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 6 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108 135 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 150 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 176 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304 158 2,975 SH   OTR 2 0 2,975 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 228 4,467 SH   OTR 2 0 4,467 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 78 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106 12 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839 284 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103 77 520 SH   OTR 2 0 520 0
WELLS FARGO & CO COMMON STOCK 949746101 74 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 53 1,600 SH   OTR 2 0 1,600 0
YUM! BRANDS INC COMMON STOCK 988498101 16 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 48 375 SH   OTR 2 0 375 0
ZIMVIE INC COMMON STOCK 98888T107 1 37 SH   OTR 2 0 37 0
3M CO COMMON STOCK 88579Y101 322 2,160 SH   OTR 2 0 2,160 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 43 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 683 21,076 SH   OTR 2 0 21,076 0
EATON CORP PLC COMMON STOCK G29183103 76 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G5494J103 88 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 13 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103 100 900 SH   OTR 2 0 900 0
SCHLUMBERGER LTD COMMON STOCK 806857108 9 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 166 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 589 8,570 SH   OTR 2 0 8,570 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 962 5,198 SH   OTR 2 0 5,198 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 344 4,527 SH   OTR 2 0 4,527 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 185 2,424 SH   OTR 2 0 2,424 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 682 17,799 SH   OTR 2 0 17,799 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 851 6,212 SH   OTR 2 0 6,212 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 550 5,336 SH   OTR 2 0 5,336 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 22 120 SH   OTR 2 0 120 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 845 13,274 SH   OTR 2 0 13,274 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 277 1,034 SH   OTR 2 0 1,034 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 711 6,588 SH   OTR 2 0 6,588 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 18 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 39 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 314 3,561 SH   OTR 2 0 3,561 0
SPDR S&P BIOTECH ETF OTHER 78464A870 9 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 6 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 176 390 SH   OTR 2 0 390 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,862 11,718 SH   OTR 2 0 11,718 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 119 1,602 SH   OTR 2 0 1,602 0
VANGUARD MID-CAP ETF OTHER 922908629 3,804 15,995 SH   OTR 2 0 15,995 0
VANGUARD REAL ESTATE ETF OTHER 922908553 216 1,990 SH   OTR 2 0 1,990 0
VANGUARD S&P 500 ETF OTHER 922908363 1,570 3,781 SH   OTR 2 0 3,781 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,499 7,053 SH   OTR 2 0 7,053 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 42 500 SH   OTR 2 0 500 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 179 1,672 SH   OTR 2 0 1,672 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 13 521 SH   OTR 2 0 521 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 13 513 SH   OTR 2 0 513 0
ISHARES IBONDS DEC 2024 TERM OTHER 46434VBG4 60 2,395 SH   OTR 2 0 2,395 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 13 500 SH   OTR 2 0 500 0
ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 12 507 SH   OTR 2 0 507 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 57 2,181 SH   OTR 2 0 2,181 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 1,126 45,923 SH   DFND 2 45,923 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 57 2,450 SH   OTR 2 0 2,450 0
ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 12 543 SH   OTR 2 0 543 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 156 3,025 SH   OTR 2 0 3,025 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 58 2,337 SH   OTR 2 0 2,337 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 878 11,238 SH   OTR 2 0 11,238 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 47 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100 24 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 32 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 56 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 36 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 29 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 73 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102 7 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 18 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 31 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 22 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 15 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 30 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 27 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 17 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 4 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 5 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102 18 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 7 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 30 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 20 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 13 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104 27 150 SH   OTR   0 150 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100 0 20 SH   OTR   0 20 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 8 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 25 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 123 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 25 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 25 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 23 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 38 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 24 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 16 70 SH   OTR   0 70 0
WELLS FARGO & CO COMMON STOCK 949746101 29 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629 105 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751 34 158 SH   OTR   0 158 0
ABBOTT LABS COMMON STOCK 002824100 113 953 SH   SOLE   953 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 24 300 SH   SOLE   300 0 0
ADOBE INC COMMON STOCK 00724F101 180 395 SH   SOLE   395 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 312 112 SH   SOLE   112 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 123 44 SH   SOLE   44 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 24 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 398 122 SH   SOLE   122 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 15 80 SH   SOLE   80 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 45 271 SH   SOLE   271 0 0
AMGEN INC COMMON STOCK 031162100 31 129 SH   SOLE   129 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 27 166 SH   SOLE   166 0 0
ANTHEM INC COMMON STOCK 036752103 25 50 SH   SOLE   50 0 0
APPLE INC COMMON STOCK 037833100 1,405 8,045 SH   SOLE   8,045 0 0
AT&T INC COMMON STOCK 00206R102 83 3,500 SH   SOLE   3,500 0 0
AUTODESK INC COMMON STOCK 052769106 21 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 39 170 SH   SOLE   170 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 115 2,788 SH   SOLE   2,788 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 154 437 SH   SOLE   437 0 0
BEST BUY CO INC COMMON STOCK 086516101 5 50 SH   SOLE   50 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 143 187 SH   SOLE   187 0 0
BLOCK INC CL A COMMON STOCK 852234103 18 131 SH   SOLE   131 0 0
BOEING CO COMMON STOCK 097023105 5 25 SH   SOLE   25 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 7 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 168 2,298 SH   SOLE   2,298 0 0
CATERPILLAR INC COMMON STOCK 149123101 92 415 SH   SOLE   415 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 93 574 SH   SOLE   574 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 149 2,677 SH   SOLE   2,677 0 0
CITIGROUP INC COMMON STOCK 172967424 3 60 SH   SOLE   60 0 0
CLOROX COMPANY COMMON STOCK 189054109 10 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 131 2,107 SH   SOLE   2,107 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 28 365 SH   SOLE   365 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 69 688 SH   SOLE   688 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 70 303 SH   SOLE   303 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 138 240 SH   SOLE   240 0 0
COTERRA ENERGY INC COMMON STOCK 127097103 8 300 SH   SOLE   300 0 0
CUMMINS INC COMMON STOCK 231021106 79 385 SH   SOLE   385 0 0
CVS HEALTH CORP COMMON STOCK 126650100 5 50 SH   SOLE   50 0 0
DANAHER CORP COMMON STOCK 235851102 89 305 SH   SOLE   305 0 0
DEERE & CO COMMON STOCK 244199105 33 80 SH   SOLE   80 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 2 33 SH   SOLE   33 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 5 50 SH   SOLE   50 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 199 1,451 SH   SOLE   1,451 0 0
DOCUSIGN INC COMMON STOCK 256163106 3 25 SH   SOLE   25 0 0
DOLLAR TREE INC COMMON STOCK 256746108 127 795 SH   SOLE   795 0 0
DOW INC COMMON STOCK 260557103 3 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 45 SH   SOLE   45 0 0
ECOLAB INC COMMON STOCK 278865100 5 30 SH   SOLE   30 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 4 150 SH   SOLE   150 0 0
EXPEDITORS INTL OF WASHINGTON COMMON STOCK 302130109 9 85 SH   SOLE   85 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 197 2,385 SH   SOLE   2,385 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 23 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 124 514 SH   SOLE   514 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 66 723 SH   SOLE   723 0 0
GENERAL MLS INC COMMON STOCK 370334104 24 350 SH   SOLE   350 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 SH   SOLE   295 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 30 90 SH   SOLE   90 0 0
HOME DEPOT INC COMMON STOCK 437076102 247 825 SH   SOLE   825 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 161 825 SH   SOLE   825 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 33 157 SH   SOLE   157 0 0
ILLUMINA INC COMMON STOCK 452327109 3 10 SH   SOLE   10 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106 5 100 SH   SOLE   100 0 0
INTEL CORP COMMON STOCK 458140100 74 1,488 SH   SOLE   1,488 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 161 1,218 SH   SOLE   1,218 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 53 407 SH   SOLE   407 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 9 30 SH   SOLE   30 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 6 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 229 1,291 SH   SOLE   1,291 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 211 1,545 SH   SOLE   1,545 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 6 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 2 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107 124 614 SH   SOLE   614 0 0
L3 HARRIS TECHNOLOGIES INC COMMON STOCK 502431109 5 20 SH   SOLE   20 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 13 75 SH   SOLE   75 0 0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 6 35 SH   SOLE   35 0 0
MASCO CORP COMMON STOCK 574599106 50 985 SH   SOLE   985 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 149 417 SH   SOLE   417 0 0
MCDONALDS CORP COMMON STOCK 580135101 117 473 SH   SOLE   473 0 0
MERCK & CO INC COMMON STOCK 58933Y105 64 775 SH   SOLE   775 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 83 373 SH   SOLE   373 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 51 675 SH   SOLE   675 0 0
MICROSOFT CORP COMMON STOCK 594918104 536 1,739 SH   SOLE   1,739 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 19 300 SH   SOLE   300 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 6 70 SH   SOLE   70 0 0
MORGAN STANLEY COMMON STOCK 617446448 9 100 SH   SOLE   100 0 0
MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 5 22 SH   SOLE   22 0 0
NASDAQ INC COMMON STOCK 631103108 18 100 SH   SOLE   100 0 0
NETFLIX INC COMMON STOCK 64110L106 146 390 SH   SOLE   390 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 30 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 76 565 SH   SOLE   565 0 0
NORTHERN TRUST CORP COMMON STOCK 665859104 4 38 SH   SOLE   38 0 0
NVIDIA CORP COMMON STOCK 67066G104 43 157 SH   SOLE   157 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 6 75 SH   SOLE   75 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 195 2,359 SH   SOLE   2,359 0 0
ORGANON & CO COMMON STOCK 68622V106 0 10 SH   SOLE   10 0 0
PAYCHEX INC COMMON STOCK 704326107 181 1,325 SH   SOLE   1,325 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 133 1,154 SH   SOLE   1,154 0 0
PEPSICO INC COMMON STOCK 713448108 32 190 SH   SOLE   190 0 0
PFIZER INC COMMON STOCK 717081103 175 3,378 SH   SOLE   3,378 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 134 878 SH   SOLE   878 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 15 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 143 938 SH   SOLE   938 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 24 245 SH   SOLE   245 0 0
SALESFORCE.COM COMMON STOCK 79466L302 85 400 SH   SOLE   400 0 0
SERVICENOW INC COMMON STOCK 81762P102 6 10 SH   SOLE   10 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 5 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109 85 938 SH   SOLE   938 0 0
STRYKER CORPORATION COMMON STOCK 863667101 187 701 SH   SOLE   701 0 0
SYSCO CORP COMMON STOCK 871829107 47 573 SH   SOLE   573 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 14 92 SH   SOLE   92 0 0
TESLA INC COMMON STOCK 88160R101 22 20 SH   SOLE   20 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 134 732 SH   SOLE   732 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 150 254 SH   SOLE   254 0 0
TJX COS INC COMMON STOCK 872540109 93 1,543 SH   SOLE   1,543 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 12 507 SH   OTR 2 0 507 0
TYSON FOODS INC CL A COMMON STOCK 902494103 3 35 SH   SOLE   35 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100 3 75 SH   SOLE   75 0 0
UNION PAC CORP COMMON STOCK 907818108 187 683 SH   SOLE   683 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 13 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 163 320 SH   SOLE   320 0 0
US BANCORP NEW COMMON STOCK 902973304 80 1,508 SH   SOLE   1,508 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 149 2,919 SH   SOLE   2,919 0 0
VISA INC CL A COMMON STOCK 92826C839 275 1,240 SH   SOLE   1,240 0 0
VMWARE INC CL A COMMON STOCK 928563402 2 14 SH   SOLE   14 0 0
WALMART INC COMMON STOCK 931142103 63 426 SH   SOLE   426 0 0
WELLS FARGO & CO COMMON STOCK 949746101 7 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 89 2,666 SH   SOLE   2,666 0 0
WORKDAY INC CL A COMMON STOCK 98138H101 7 30 SH   SOLE   30 0 0
YUM! BRANDS INC COMMON STOCK 988498101 87 735 SH   SOLE   735 0 0
ALIBABA GROUP HOLDING LTD SPON COMMON STOCK 01609W102 8 75 SH   SOLE   75 0 0
JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 6 99 SH   SOLE   99 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH   SOLE   18 0 0
CROWN CASTLE INTL CORP REIT COMMON STOCK 22822V101 14 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 686 21,171 SH   SOLE   21,171 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 19 55 SH   SOLE   55 0 0
AMDOCS LTD COMMON STOCK G02602103 7 85 SH   SOLE   85 0 0
CHUBB LTD COMMON STOCK H1467J104 5 25 SH   SOLE   25 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 47 460 SH   SOLE   460 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 11 100 SH   SOLE   100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 30 725 SH   SOLE   725 0 0
COHEN & STEERS INFRASTRUCTURE OTHER 19248A109 6 200 SH   SOLE   200 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 48 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 93 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 36 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 26 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 110 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 81 785 SH   SOLE   785 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1,627 4,488 SH   SOLE   4,488 0 0
INVESCO S&P 500 EQUAL WEIGHT E OTHER 46137V357 78 495 SH   SOLE   495 0 0
INVESCO S&P 500 PURE VALUE ETF OTHER 46137V258 48 557 SH   SOLE   557 0 0
ISHARES CORE MSCI DEV MKTS OTHER 46435G326 2,617 41,132 SH   SOLE   41,132 0 0
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ISHARES CORE S&P 500 ETF OTHER 464287200 488 1,075 SH   SOLE   1,075 0 0
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ISHARES RUSSELL 2000 ETF OTHER 464287655 93 455 SH   SOLE   455 0 0
ISHARES U.S. INFRASTRUCTURE ET OTHER 46435U713 8 200 SH   SOLE   200 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 161 1,821 SH   SOLE   1,821 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 134 3,353 SH   SOLE   3,353 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 4 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 45 100 SH   SOLE   100 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 159 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 75 1,007 SH   SOLE   1,007 0 0
VANGUARD MID-CAP ETF OTHER 922908629 2,228 9,367 SH   SOLE   9,367 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 32 291 SH   SOLE   291 0 0
VANGUARD S&P 500 ETF OTHER 922908363 9,494 22,868 SH   SOLE   22,868 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 835 3,929 SH   SOLE   3,929 0 0
INVESCO SENIOR LOAN ETF OTHER 46138G508 18 833 SH   SOLE   833 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 20 242 SH   SOLE   242 0 0
ISHARES BROAD USD HIGH YIELD OTHER 46435U853 31 804 SH   SOLE   804 0 0
ISHARES BROAD USD INVESTMENT G OTHER 464288620 70 1,264 SH   SOLE   1,264 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 546 5,099 SH   SOLE   5,099 0 0
ISHARES ESG AWARE USD CORP BON OTHER 46435G193 1,282 51,024 SH   SOLE   51,024 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 1,616 65,616 SH   SOLE   65,616 0 0
ISHARES FLOATING RATE BOND ETF OTHER 46429B655 13 262 SH   SOLE   262 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 99 3,952 SH   SOLE   3,952 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 130 5,142 SH   SOLE   5,142 0 0
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ISHARES IBONDS DEC 2026 TERM OTHER 46435GAA0 214 8,683 SH   SOLE   8,683 0 0
ISHARES IBONDS DEC 2028 ETF OTHER 46435U515 185 7,010 SH   SOLE   7,010 0 0
ISHARES IBONDS DEC 2029 TERM OTHER 46436E205 131 5,365 SH   SOLE   5,365 0 0
ISHARES IBONDS DEC 2030 CORP E OTHER 46436E726 131 5,660 SH   SOLE   5,660 0 0
ISHARES IBONDS DEC 2031 CORP OTHER 46436E486 131 5,740 SH   SOLE   5,740 0 0
ISHARES MBS ETF OTHER 464288588 57 559 SH   SOLE   559 0 0
ISHARES SHORT TREASURY BOND ET OTHER 464288679 22 200 SH   SOLE   200 0 0
ISHARES U.S. TREASURY BOND ETF OTHER 46429B267 102 4,094 SH   SOLE   4,094 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 35 678 SH   SOLE   678 0 0
ISHRS IBNDS DEC 27 CORP ETF OTHER 46435UAA9 184 7,365 SH   SOLE   7,365 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 1,232 15,773 SH   SOLE   15,773 0 0
VANGUARD SHORT-TERM BOND ETF OTHER 921937827 25 323 SH   SOLE   323 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 1,697 21,331 SH   SOLE   21,331 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 33 607 SH   SOLE   607 0 0
ABBOTT LABS COMMON STOCK 002824100 2,367 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,402 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101 4,556 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 675 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 5,424 1,950 SH   DFND 3 1,950 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,846 2,100 SH   DFND 3 2,100 0 0
AMGEN INC COMMON STOCK 031162100 2,878 11,900 SH   DFND 3 11,900 0 0
APPLE INC COMMON STOCK 037833100 10,040 57,500 SH   DFND 3 57,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,865 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 3,370 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,560 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 893 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101 891 4,000 SH   DFND 3 4,000 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,368 8,400 SH   DFND 3 8,400 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 1,715 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,203 3,825 SH   DFND 3 3,825 0 0
DANAHER CORP COMMON STOCK 235851102 1,467 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,090 7,950 SH   DFND 3 7,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108 977 6,100 SH   DFND 3 6,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 680 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 2,076 5,100 SH   DFND 3 5,100 0 0
ECOLAB INC COMMON STOCK 278865100 689 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 834 10,100 SH   DFND 3 10,100 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 810 3,500 SH   DFND 3 3,500 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 858 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,263 10,900 SH   DFND 3 10,900 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,946 10,000 SH   DFND 3 10,000 0 0
INTEL CORP COMMON STOCK 458140100 1,194 24,100 SH   DFND 3 24,100 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 3,481 26,350 SH   DFND 3 26,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,279 18,500 SH   DFND 3 18,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,958 21,700 SH   DFND 3 21,700 0 0
MASCO CORP COMMON STOCK 574599106 2,213 43,400 SH   DFND 3 43,400 0 0
MCDONALDS CORP COMMON STOCK 580135101 643 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 1,668 7,500 SH   DFND 3 7,500 0 0
MICROSOFT CORP COMMON STOCK 594918104 9,743 31,600 SH   DFND 3 31,600 0 0
MORGAN STANLEY COMMON STOCK 617446448 988 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106 1,826 4,875 SH   DFND 3 4,875 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 466 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 1,615 12,000 SH   DFND 3 12,000 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,774 6,500 SH   DFND 3 6,500 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,572 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108 2,377 14,200 SH   DFND 3 14,200 0 0
PFIZER INC COMMON STOCK 717081103 2,821 54,500 SH   DFND 3 54,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,353 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103 2,101 13,750 SH   DFND 3 13,750 0 0
SALESFORCE.COM COMMON STOCK 79466L302 4,119 19,400 SH   DFND 3 19,400 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,560 6,250 SH   DFND 3 6,250 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 663 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101 2,406 9,000 SH   DFND 3 9,000 0 0
SYSCO CORP COMMON STOCK 871829107 1,429 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,925 6,645 SH   DFND 3 6,645 0 0
TJX COS INC COMMON STOCK 872540109 1,396 23,050 SH   DFND 3 23,050 0 0
TWITTER INC COMMON STOCK 90184L102 774 20,000 SH   DFND 3 20,000 0 0
UNION PAC CORP COMMON STOCK 907818108 1,229 4,500 SH   DFND 3 4,500 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 2,445 11,400 SH   DFND 3 11,400 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 4,424 8,675 SH   DFND 3 8,675 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 764 15,000 SH   DFND 3 15,000 0 0
VF CORP COMMON STOCK 918204108 711 12,500 SH   DFND 3 12,500 0 0
VISA INC CL A COMMON STOCK 92826C839 7,346 33,125 SH   DFND 3 33,125 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 551 3,000 SH   DFND 3 3,000 0 0
WALMART INC COMMON STOCK 931142103 2,308 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 2,885 18,200 SH   DFND 3 18,200 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1,149 34,400 SH   DFND 3 34,400 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 403 2,000 SH   DFND 3 2,000 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 590 2,350 SH   DFND 3 2,350 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 742 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 874 8,500 SH   DFND 3 8,500 0 0