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 1,993 18,340 SH   DFND 2 18,340 0 0
ABBVIE INC COMMON STOCK 00287Y109 878 5,735 SH   DFND 2 5,735 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1,564 20,090 SH   DFND 2 20,090 0 0
ADOBE INC COMMON STOCK 00724F101 2,226 6,082 SH   DFND 2 6,082 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 67 278 SH   DFND 2 278 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 6,276 2,880 SH   DFND 2 2,880 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 1,682 769 SH   DFND 2 769 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 229 5,481 SH   DFND 2 5,481 0 0
AMAZON.COM INC COMMON STOCK 023135106 4,091 38,520 SH   DFND 2 38,520 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 33 340 SH   DFND 2 340 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 263 1,895 SH   DFND 2 1,895 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 15 300 SH   DFND 2 300 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 747 5,019 SH   DFND 2 5,019 0 0
AMGEN INC COMMON STOCK 031162100 1,179 4,845 SH   DFND 2 4,845 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 9 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100 8,054 58,908 SH   DFND 2 58,908 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 209 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 16 200 SH   DFND 2 200 0 0
ASHLAND GLOBAL HOLDINGS INC COMMON STOCK 044186104 123 1,191 SH   DFND 2 1,191 0 0
AT&T INC COMMON STOCK 00206R102 298 14,231 SH   DFND 2 14,231 0 0
AUTODESK INC COMMON STOCK 052769106 14 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 719 3,421 SH   DFND 2 3,421 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1,643 52,767 SH   DFND 2 52,767 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 53 1,280 SH   DFND 2 1,280 0 0
BAXTER INTL INC COMMON STOCK 071813109 28 430 SH   DFND 2 430 0 0
BECTON DICKINSON COMMON STOCK 075887109 47 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,623 9,609 SH   DFND 2 9,609 0 0
BEST BUY CO INC COMMON STOCK 086516101 83 1,269 SH   DFND 2 1,269 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 2,026 3,326 SH   DFND 2 3,326 0 0
BLACKSTONE INC COMMON STOCK 09260D107 51 558 SH   DFND 2 558 0 0
BLOCK INC CL A COMMON STOCK 852234103 25 399 SH   DFND 2 399 0 0
BOEING CO COMMON STOCK 097023105 28 205 SH   DFND 2 205 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 56 32 SH   DFND 2 32 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2,640 34,286 SH   DFND 2 34,286 0 0
BROADCOM INC COMMON STOCK 11135F101 67 137 SH   DFND 2 137 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 37 355 SH   DFND 2 355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 5 100 SH   DFND 2 100 0 0
CARLOTZ INC CL A COMMON STOCK 142552108 0 750 SH   DFND 2 750 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 42 1,177 SH   DFND 2 1,177 0 0
CATERPILLAR INC COMMON STOCK 149123101 1,507 8,429 SH   DFND 2 8,429 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 39 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108 1 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,115 7,700 SH   DFND 2 7,700 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,361 55,368 SH   DFND 2 55,368 0 0
CITIGROUP INC COMMON STOCK 172967424 7 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109 80 569 SH   DFND 2 569 0 0
CME GROUP INC COMMON STOCK 12572Q105 77 378 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 1,474 23,425 SH   DFND 2 23,425 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 242 3,020 SH   DFND 2 3,020 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101 120 3,048 SH   DFND 2 3,048 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 989 11,015 SH   DFND 2 11,015 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 70 739 SH   DFND 2 739 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 1,015 4,357 SH   DFND 2 4,357 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109 2 33 SH   DFND 2 33 0 0
CORNING INC COMMON STOCK 219350105 69 2,184 SH   DFND 2 2,184 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 2,336 4,875 SH   DFND 2 4,875 0 0
CSX CORP COMMON STOCK 126408103 13 450 SH   DFND 2 450 0 0
CUMMINS INC COMMON STOCK 231021106 1,339 6,919 SH   DFND 2 6,919 0 0
CVS HEALTH CORP COMMON STOCK 126650100 29 313 SH   DFND 2 313 0 0
DANAHER CORP COMMON STOCK 235851102 1,424 5,615 SH   DFND 2 5,615 0 0
DEERE & CO COMMON STOCK 244199105 238 795 SH   DFND 2 795 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103 6 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 2,234 23,664 SH   DFND 2 23,664 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 30 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 2,717 17,432 SH   DFND 2 17,432 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 230 2,881 SH   DFND 2 2,881 0 0
DOW INC COMMON STOCK 260557103 48 924 SH   DFND 2 924 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204 108 1,006 SH   DFND 2 1,006 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 51 913 SH   DFND 2 913 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100 324 3,613 SH   DFND 2 3,613 0 0
EBAY INC COMMON STOCK 278642103 17 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100 382 2,487 SH   DFND 2 2,487 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 22 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 3 25 SH   DFND 2 25 0 0
EMBECTA CORP COMMON STOCK 29082K105 0 18 SH   DFND 2 18 0 0
EMERSON ELEC CO COMMON STOCK 291011104 124 1,560 SH   DFND 2 1,560 0 0
EOG RES INC COMMON STOCK 26875P101 20 185 SH   DFND 2 185 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 50 1,082 SH   DFND 2 1,082 0 0
EXELIXIS INC COMMON STOCK 30161Q104 11 510 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 2,678 31,272 SH   DFND 2 31,272 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 23 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 285 1,258 SH   DFND 2 1,258 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 31 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108 214 2,400 SH   DFND 2 2,400 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 107 9,650 SH   DFND 2 9,650 0 0
FORTIVE CORP COMMON STOCK 34959J108 72 1,328 SH   DFND 2 1,328 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1,853 8,376 SH   DFND 2 8,376 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 151 2,373 SH   DFND 2 2,373 0 0
GENERAL MLS INC COMMON STOCK 370334104 224 2,970 SH   DFND 2 2,970 0 0
GENUINE PARTS CO COMMON STOCK 372460105 28 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 121 1,964 SH   DFND 2 1,964 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 137 462 SH   DFND 2 462 0 0
GRAINGER W W INC COMMON STOCK 384802104 34 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330103 0 2,217 SH   DFND 2 2,217 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 6 200 SH   DFND 2 200 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 61 1,495 SH   DFND 2 1,495 0 0
HERTZ GLOBAL HOLDINGS INC COMMON STOCK 42806J700 12 735 SH   DFND 2 735 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,629 13,232 SH   DFND 2 13,232 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2,287 13,159 SH   DFND 2 13,159 0 0
IDACORP INC COMMON STOCK 451107106 25 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 80 440 SH   DFND 2 440 0 0
INFINERA CORP COMMON STOCK 45667G103 3 500 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 1,814 48,479 SH   DFND 2 48,479 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,976 21,012 SH   DFND 2 21,012 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 154 1,295 SH   DFND 2 1,295 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 278 1,968 SH   DFND 2 1,968 0 0
JABIL INC COMMON STOCK 466313103 5 100 SH   DFND 2 100 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 22 120 SH   DFND 2 120 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 90 710 SH   DFND 2 710 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 3,850 21,688 SH   DFND 2 21,688 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,047 27,057 SH   DFND 2 27,057 0 0
KADANT INC COMMON STOCK 48282T104 148 809 SH   DFND 2 809 0 0
KELLOGG CO COMMON STOCK 487836108 7 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108 14 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 30 221 SH   DFND 2 221 0 0
KKR & CO INC CL A COMMON STOCK 48251W104 77 1,670 SH   DFND 2 1,670 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409 23 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 203 625 SH   DFND 2 625 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 247 575 SH   DFND 2 575 0 0
LOWES COS INC COMMON STOCK 548661107 1,617 9,258 SH   DFND 2 9,258 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 10 72 SH   DFND 2 72 0 0
MASCO CORP COMMON STOCK 574599106 892 17,635 SH   DFND 2 17,635 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 2,331 7,388 SH   DFND 2 7,388 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 94 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,972 7,989 SH   DFND 2 7,989 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 16 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105 572 6,278 SH   DFND 2 6,278 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 379 2,352 SH   DFND 2 2,352 0 0
METLIFE INC COMMON STOCK 59156R108 39 626 SH   DFND 2 626 0 0
MICROSOFT CORP COMMON STOCK 594918104 7,390 28,774 SH   DFND 2 28,774 0 0
MODERNA INC COMMON STOCK 60770K107 36 250 SH   DFND 2 250 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 54 870 SH   DFND 2 870 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 44 475 SH   DFND 2 475 0 0
MORGAN STANLEY COMMON STOCK 617446448 652 8,570 SH   DFND 2 8,570 0 0
NBT BANCORP INC COM COMMON STOCK 628778102 14 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106 1,074 6,139 SH   DFND 2 6,139 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 641 8,272 SH   DFND 2 8,272 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 673 6,585 SH   DFND 2 6,585 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 64 280 SH   DFND 2 280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 39 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401 5 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105 4 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104 1,174 7,742 SH   DFND 2 7,742 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,881 41,234 SH   DFND 2 41,234 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107 22 309 SH   DFND 2 309 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 12 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 22 90 SH   DFND 2 90 0 0
PAYCHEX INC COMMON STOCK 704326107 2,391 20,994 SH   DFND 2 20,994 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,167 16,713 SH   DFND 2 16,713 0 0
PENN NATIONAL GAMING INC COMMON STOCK 707569109 47 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108 1,467 8,801 SH   DFND 2 8,801 0 0
PFIZER INC COMMON STOCK 717081103 2,770 52,824 SH   DFND 2 52,824 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 420 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 3 200 SH   DFND 2 200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,430 16,903 SH   DFND 2 16,903 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 41 430 SH   DFND 2 430 0 0
QUALCOMM INC COMMON STOCK 747525103 2,018 15,799 SH   DFND 2 15,799 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 221 2,295 SH   DFND 2 2,295 0 0
ROKU INC COMMON STOCK 77543R102 8 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106 41 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103 17 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104 34 100 SH   DFND 2 100 0 0
SALESFORCE INC COMMON STOCK 79466L302 767 4,649 SH   DFND 2 4,649 0 0
SERVICENOW INC COMMON STOCK 81762P102 5 10 SH   DFND 2 10 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 133 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109 5 50 SH   DFND 2 50 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103 6 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209 21 390 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 18 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109 1,502 19,658 SH   DFND 2 19,658 0 0
STRYKER CORPORATION COMMON STOCK 863667101 1,887 9,484 SH   DFND 2 9,484 0 0
SYSCO CORP COMMON STOCK 871829107 1,094 12,910 SH   DFND 2 12,910 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 238 2,096 SH   DFND 2 2,096 0 0
TARGET CORP COMMON STOCK 87612E106 21 146 SH   DFND 2 146 0 0
TESLA INC COMMON STOCK 88160R101 138 205 SH   DFND 2 205 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1,618 10,530 SH   DFND 2 10,530 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2,745 5,052 SH   DFND 2 5,052 0 0
TJX COS INC COMMON STOCK 872540109 1,683 30,131 SH   DFND 2 30,131 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 17 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1,653 9,774 SH   DFND 2 9,774 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 72 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 2,620 12,283 SH   DFND 2 12,283 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 174 952 SH   DFND 2 952 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,968 5,779 SH   DFND 2 5,779 0 0
US BANCORP NEW COMMON STOCK 902973304 980 21,298 SH   DFND 2 21,298 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 2,183 43,018 SH   DFND 2 43,018 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4 15 SH   DFND 2 15 0 0
VIATRIS INC COMMON STOCK 92556V106 0 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106 6 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839 4,106 20,854 SH   DFND 2 20,854 0 0
VONTIER CORP COMMON STOCK 928881101 4 176 SH   DFND 2 176 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109 200 1,405 SH   DFND 2 1,405 0 0
WABTEC CORP COMMON STOCK 929740108 12 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103 1,109 9,124 SH   DFND 2 9,124 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 0 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 37 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 35 345 SH   DFND 2 345 0 0
WELLS FARGO & CO COMMON STOCK 949746101 207 5,285 SH   DFND 2 5,285 0 0
WENDY'S CO COMMON STOCK 95058W100 16 850 SH   DFND 2 850 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1,230 39,405 SH   DFND 2 39,405 0 0
XYLEM INC COMMON STOCK 98419M100 6 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 24 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101 1,320 11,633 SH   DFND 2 11,633 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 68 645 SH   DFND 2 645 0 0
3M CO COMMON STOCK 88579Y101 283 2,190 SH   DFND 2 2,190 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102 7 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 60 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 37 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 111 435 SH   DFND 2 435 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 16 1,500 SH   DFND 2 1,500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 47,196 1,483,700 SH   DFND 2 1,483,700 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 62 225 SH   DFND 2 225 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 11 600 SH   DFND 2 600 0 0
CARNIVAL CORP COMMON STOCK 143658300 6 700 SH   DFND 2 700 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 21 175 SH   DFND 2 175 0 0
EATON CORP PLC COMMON STOCK G29183103 19 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105 83 1,975 SH   DFND 2 1,975 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108 31 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 849 9,712 SH   DFND 2 9,712 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 119 1,321 SH   DFND 2 1,321 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C109 1 1,000 SH   DFND 2 1,000 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103 11 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102 10 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 21 578 SH   DFND 2 578 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107 11 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709 9 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509 124 1,890 SH   DFND 2 1,890 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 12 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 249 1,810 SH   DFND 2 1,810 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 94 1,300 SH   DFND 2 1,300 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 141 1,967 SH   DFND 2 1,967 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 456 14,513 SH   DFND 2 14,513 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 30 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 457 3,566 SH   DFND 2 3,566 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 240 2,747 SH   DFND 2 2,747 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 29 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 13,832 49,350 SH   DFND 2 49,350 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 30,961 576,131 SH   DFND 2 576,131 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842 44 750 SH   DFND 2 750 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 36,857 162,920 SH   DFND 2 162,920 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 30,751 332,764 SH   DFND 2 332,764 0 0
ISHARES MICROCAP ETF OTHER 464288869 3 33 SH   DFND 2 33 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 9 150 SH   DFND 2 150 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 206 3,183 SH   DFND 2 3,183 0 0
ISHARES SILVER TRUST OTHER 46428Q109 23 1,210 SH   DFND 2 1,210 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778 36 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1,654 22,475 SH   DFND 2 22,475 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 5 133 SH   DFND 2 133 0 0
SPDR GOLD TRUST OTHER 78463V107 261 1,550 SH   DFND 2 1,550 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 434 8,302 SH   DFND 2 8,302 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 288 7,826 SH   DFND 2 7,826 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 107 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 48 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 10 25 SH   DFND 2 25 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 5,734 15,200 SH   DFND 2 15,200 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 589 4,632 SH   DFND 2 4,632 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 733 10,458 SH   DFND 2 10,458 0 0
VANECK BIOTECH ETF OTHER 92189F726 36 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106 46 1,670 SH   DFND 2 1,670 0 0
VANECK SEMICONDUCTOR ETF OTHER 92189F676 88 432 SH   DFND 2 432 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 23 1,750 SH   DFND 2 1,750 0 0
VANGUARD DIVIDEND APPRECIATION OTHER 921908844 10 69 SH   DFND 2 69 0 0
VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 40 992 SH   DFND 2 992 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858 19 455 SH   DFND 2 455 0 0
VANGUARD GROWTH ETF OTHER 922908736 160 720 SH   DFND 2 720 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504 12 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702 34 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629 28,082 142,572 SH   DFND 2 142,572 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553 17 185 SH   DFND 2 185 0 0
VANGUARD S&P 500 ETF OTHER 922908363 82,150 236,825 SH   DFND 2 236,825 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751 10,693 60,718 SH   DFND 2 60,718 0 0
VANGUARD VALUE ETF OTHER 922908744 35 263 SH   DFND 2 263 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 123 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 5,417 53,273 SH   DFND 2 53,273 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 374 15,520 SH   DFND 2 15,520 0 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 7,376 294,912 SH   DFND 2 294,912 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 7,561 301,360 SH   DFND 2 301,360 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697 202 7,770 SH   DFND 2 7,770 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 7,226 291,977 SH   DFND 2 291,977 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 7,258 293,831 SH   DFND 2 293,831 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259 203 7,994 SH   DFND 2 7,994 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 7,189 302,184 SH   DFND 2 302,184 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 6,859 287,354 SH   DFND 2 287,354 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 6,771 271,262 SH   DFND 2 271,262 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 809 35,410 SH   DFND 2 35,410 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 625 29,187 SH   DFND 2 29,187 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 508 24,420 SH   DFND 2 24,420 0 0
ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 30 1,270 SH   DFND 2 1,270 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 673 28,760 SH   DFND 2 28,760 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 137 6,188 SH   DFND 2 6,188 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 4,556 90,126 SH   DFND 2 90,126 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432 2 17 SH   DFND 2 17 0 0
SPDR BLACKSTONE SENIOR LOAN ET OTHER 78467V608 2 42 SH   DFND 2 42 0 0
VANGUARD INT-TERM CORPORATE OTHER 92206C870 5 61 SH   DFND 2 61 0 0
VANGUARD INTERMEDIATE-TERM BON OTHER 921937819 9 121 SH   DFND 2 121 0 0
VANGUARD LONG-TERM BOND ETF OTHER 921937793 9 114 SH   DFND 2 114 0 0
VANGUARD MORTGAGE-BACKED SEC OTHER 92206C771 10 200 SH   DFND 2 200 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 13,737 180,130 SH   DFND 2 180,130 0 0
VANGUARD SHORT-TERM BOND ETF OTHER 921937827 18 235 SH   DFND 2 235 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 832 11,057 SH   DFND 2 11,057 0 0
VANGUARD TOTAL INTL BOND ETF OTHER 92203J407 20 399 SH   DFND 2 399 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318 201 7,886 SH   DFND 2 7,886 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432 203 7,608 SH   DFND 2 7,608 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283 202 8,042 SH   DFND 2 8,042 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 1,014 9,535 SH   DFND 2 9,535 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 3,047 57,932 SH   DFND 2 57,932 0 0
ABBOTT LABS COMMON STOCK 002824100 126 1,162 SH   OTR 2 0 1,162 0
ABBVIE INC COMMON STOCK 00287Y109 310 2,025 SH   OTR 2 0 2,025 0
ADOBE INC COMMON STOCK 00724F101 117 320 SH   OTR 2 0 320 0
ALPHABET INC CL A COMMON STOCK 02079K305 669 307 SH   OTR 2 0 307 0
ALPHABET INC CL C COMMON STOCK 02079K107 219 100 SH   OTR 2 0 100 0
ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106 278 2,620 SH   OTR 2 0 2,620 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 180 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 38 255 SH   OTR 2 0 255 0
AMGEN INC COMMON STOCK 031162100 61 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100 1,478 10,812 SH   OTR 2 0 10,812 0
AT&T INC COMMON STOCK 00206R102 87 4,157 SH   OTR 2 0 4,157 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 656 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104 167 5,370 SH   OTR 2 0 5,370 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 62 1,475 SH   OTR 2 0 1,475 0
BAXTER INTL INC COMMON STOCK 071813109 122 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109 36 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 325 1,190 SH   OTR 2 0 1,190 0
BLACKROCK INC CL A COMMON STOCK 09247X101 155 255 SH   OTR 2 0 255 0
BLOCK INC CL A COMMON STOCK 852234103 11 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 193 2,511 SH   OTR 2 0 2,511 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 10 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104 170 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101 201 1,125 SH   OTR 2 0 1,125 0
CF ACQUISITION CORP VI CL A COMMON STOCK 12521J103 10 1,000 SH   OTR 2 0 1,000 0
CHEVRON CORPORATION COMMON STOCK 166764100 381 2,633 SH   OTR 2 0 2,633 0
CIGNA CORP COMMON STOCK 125523100 12 44 SH   OTR 2 0 44 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 60 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 125 1,980 SH   OTR 2 0 1,980 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 457 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101 12 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104 121 1,346 SH   OTR 2 0 1,346 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 179 767 SH   OTR 2 0 767 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 50 105 SH   OTR 2 0 105 0
CUMMINS INC COMMON STOCK 231021106 36 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100 36 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102 38 151 SH   OTR 2 0 151 0
DISNEY WALT CO NEW COMMON STOCK 254687106 168 1,777 SH   OTR 2 0 1,777 0
DOCUSIGN INC COMMON STOCK 256163106 13 225 SH   OTR 2 0 225 0
DOLLAR TREE INC COMMON STOCK 256746108 27 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109 46 575 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 36 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204 68 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100 154 1,000 SH   OTR 2 0 1,000 0
EMBECTA CORP COMMON STOCK 29082K105 1 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104 252 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 784 9,160 SH   OTR 2 0 9,160 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 44 200 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 7 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102 485 1,769 SH   OTR 2 0 1,769 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 128 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100 278 7,435 SH   OTR 2 0 7,435 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 92 975 SH   OTR 2 0 975 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 635 4,500 SH   OTR 2 0 4,500 0
INTUIT INC COMMON STOCK 461202103 312 810 SH   OTR 2 0 810 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 78 615 SH   OTR 2 0 615 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,145 6,451 SH   OTR 2 0 6,451 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 828 7,350 SH   OTR 2 0 7,350 0
KELLOGG CO COMMON STOCK 487836108 64 900 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 6 600 SH   OTR 2 0 600 0
LILLY ELI & CO COMMON STOCK 532457108 551 1,700 SH   OTR 2 0 1,700 0
LOWES COS INC COMMON STOCK 548661107 172 985 SH   OTR 2 0 985 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 9 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 28 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 297 3,255 SH   OTR 2 0 3,255 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 27 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108 15 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104 1,928 7,505 SH   OTR 2 0 7,505 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 13 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448 152 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106 38 215 SH   OTR 2 0 215 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 191 2,470 SH   OTR 2 0 2,470 0
NIKE INC-CLASS B COMMON STOCK 654106103 301 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 153 675 SH   OTR 2 0 675 0
NVIDIA CORP COMMON STOCK 67066G104 173 1,140 SH   OTR 2 0 1,140 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105 35 600 SH   OTR 2 0 600 0
ORACLE CORPORATION COMMON STOCK 68389X105 435 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 149 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 19 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107 142 1,250 SH   OTR 2 0 1,250 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 61 875 SH   OTR 2 0 875 0
PEPSICO INC COMMON STOCK 713448108 789 4,735 SH   OTR 2 0 4,735 0
PFIZER INC COMMON STOCK 717081103 605 11,530 SH   OTR 2 0 11,530 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 10 100 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 736 5,120 SH   OTR 2 0 5,120 0
QUALCOMM INC COMMON STOCK 747525103 31 245 SH   OTR 2 0 245 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 66 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 548 5,705 SH   OTR 2 0 5,705 0
SOUTHERN COMPANY COMMON STOCK 842587107 43 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109 161 2,110 SH   OTR 2 0 2,110 0
STRYKER CORPORATION COMMON STOCK 863667101 303 1,525 SH   OTR 2 0 1,525 0
SYSCO CORP COMMON STOCK 871829107 23 270 SH   OTR 2 0 270 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 198 1,740 SH   OTR 2 0 1,740 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 25 165 SH   OTR 2 0 165 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 212 390 SH   OTR 2 0 390 0
TJX COS INC COMMON STOCK 872540109 123 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 20 120 SH   OTR 2 0 120 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 5 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108 106 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 128 700 SH   OTR 2 0 700 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 177 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304 137 2,975 SH   OTR 2 0 2,975 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 217 4,272 SH   OTR 2 0 4,272 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 85 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106 11 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839 252 1,280 SH   OTR 2 0 1,280 0
WALMART INC COMMON STOCK 931142103 63 520 SH   OTR 2 0 520 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 12 888 SH   OTR 2 0 888 0
WELLS FARGO & CO COMMON STOCK 949746101 60 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100 50 1,600 SH   OTR 2 0 1,600 0
YUM! BRANDS INC COMMON STOCK 988498101 15 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 39 375 SH   OTR 2 0 375 0
3M CO COMMON STOCK 88579Y101 280 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 670 21,076 SH   OTR 2 0 21,076 0
EATON CORP PLC COMMON STOCK G29183103 63 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G5494J103 79 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 11 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103 81 900 SH   OTR 2 0 900 0
SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509 137 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 431 7,942 SH   OTR 2 0 7,942 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 706 5,132 SH   OTR 2 0 5,132 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 350 4,844 SH   OTR 2 0 4,844 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 190 2,655 SH   OTR 2 0 2,655 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 579 18,417 SH   OTR 2 0 18,417 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 797 6,212 SH   OTR 2 0 6,212 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 469 5,366 SH   OTR 2 0 5,366 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 90 321 SH   OTR 2 0 321 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 855 15,908 SH   OTR 2 0 15,908 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507 234 1,034 SH   OTR 2 0 1,034 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 640 6,921 SH   OTR 2 0 6,921 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 16 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 32 500 SH   OTR 2 0 500 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 285 3,874 SH   OTR 2 0 3,874 0
SPDR S&P BIOTECH ETF OTHER 78464A870 7 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540 5 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 147 390 SH   OTR 2 0 390 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1,473 11,587 SH   OTR 2 0 11,587 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 117 1,675 SH   OTR 2 0 1,675 0
VANGUARD MID-CAP ETF OTHER 922908629 3,143 15,955 SH   OTR 2 0 15,955 0
VANGUARD REAL ESTATE ETF OTHER 922908553 181 1,990 SH   OTR 2 0 1,990 0
VANGUARD S&P 500 ETF OTHER 922908363 1,287 3,711 SH   OTR 2 0 3,711 0
VANGUARD SMALL-CAP ETF OTHER 922908751 1,229 6,978 SH   OTR 2 0 6,978 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 41 500 SH   OTR 2 0 500 0
ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 117 4,693 SH   OTR 2 0 4,693 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 117 4,661 SH   OTR 2 0 4,661 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 163 6,589 SH   OTR 2 0 6,589 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 115 4,676 SH   OTR 2 0 4,676 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 115 4,835 SH   OTR 2 0 4,835 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 158 6,638 SH   OTR 2 0 6,638 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 157 6,286 SH   OTR 2 0 6,286 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 2 105 SH   OTR 2 0 105 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 2 115 SH   OTR 2 0 115 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 2 115 SH   OTR 2 0 115 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 153 3,025 SH   OTR 2 0 3,025 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 664 8,708 SH   OTR 2 0 8,708 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 45 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100 22 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109 31 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 42 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100 36 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105 26 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100 57 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102 6 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 19 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100 28 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 17 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 16 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102 26 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106 19 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109 16 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103 3 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 4 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102 19 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104 8 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102 27 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100 15 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 14 100 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 7 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101 25 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104 103 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105 21 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108 25 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 22 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 28 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109 22 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839 14 70 SH   OTR   0 70 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 1 72 SH   OTR   0 72 0
WELLS FARGO & CO COMMON STOCK 949746101 24 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629 87 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751 28 158 SH   OTR   0 158 0
ABBOTT LABS COMMON STOCK 002824100 104 958 SH   SOLE   958 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 31 400 SH   SOLE   400 0 0
ADOBE INC COMMON STOCK 00724F101 145 395 SH   SOLE   395 0 0
ALPHABET INC CL A COMMON STOCK 02079K305 244 112 SH   SOLE   112 0 0
ALPHABET INC CL C COMMON STOCK 02079K107 96 44 SH   SOLE   44 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 19 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106 263 2,480 SH   SOLE   2,480 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 11 80 SH   SOLE   80 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 42 281 SH   SOLE   281 0 0
AMGEN INC COMMON STOCK 031162100 28 114 SH   SOLE   114 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 20 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100 1,083 7,923 SH   SOLE   7,923 0 0
AT&T INC COMMON STOCK 00206R102 73 3,500 SH   SOLE   3,500 0 0
AUTODESK INC COMMON STOCK 052769106 17 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 50 240 SH   SOLE   240 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 87 2,788 SH   SOLE   2,788 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 6 150 SH   SOLE   150 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 119 437 SH   SOLE   437 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101 114 187 SH   SOLE   187 0 0
BLOCK INC CL A COMMON STOCK 852234103 6 101 SH   SOLE   101 0 0
BOEING CO COMMON STOCK 097023105 3 25 SH   SOLE   25 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108 5 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 177 2,293 SH   SOLE   2,293 0 0
CATERPILLAR INC COMMON STOCK 149123101 80 445 SH   SOLE   445 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 83 574 SH   SOLE   574 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 114 2,677 SH   SOLE   2,677 0 0
CLOROX COMPANY COMMON STOCK 189054109 11 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100 133 2,107 SH   SOLE   2,107 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 23 290 SH   SOLE   290 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 62 688 SH   SOLE   688 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108 71 303 SH   SOLE   303 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 129 270 SH   SOLE   270 0 0
COTERRA ENERGY INC COMMON STOCK 127097103 8 300 SH   SOLE   300 0 0
CUMMINS INC COMMON STOCK 231021106 75 385 SH   SOLE   385 0 0
CVS HEALTH CORP COMMON STOCK 126650100 5 50 SH   SOLE   50 0 0
DANAHER CORP COMMON STOCK 235851102 81 320 SH   SOLE   320 0 0
DEERE & CO COMMON STOCK 244199105 24 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 4 50 SH   SOLE   50 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 134 1,421 SH   SOLE   1,421 0 0
DOLLAR TREE INC COMMON STOCK 256746108 129 830 SH   SOLE   830 0 0
DOW INC COMMON STOCK 260557103 2 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
ELEVANCE HEALTH INC COMMON STOCK 036752103 22 45 SH   SOLE   45 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 4 150 SH   SOLE   150 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 209 2,435 SH   SOLE   2,435 0 0
FEDEX CORPORATION COMMON STOCK 31428X106 23 100 SH   SOLE   100 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 114 514 SH   SOLE   514 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301 46 723 SH   SOLE   723 0 0
GENERAL MLS INC COMMON STOCK 370334104 23 300 SH   SOLE   300 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 18 295 SH   SOLE   295 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 27 90 SH   SOLE   90 0 0
HOME DEPOT INC COMMON STOCK 437076102 226 825 SH   SOLE   825 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 143 820 SH   SOLE   820 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 29 157 SH   SOLE   157 0 0
INTEL CORP COMMON STOCK 458140100 56 1,488 SH   SOLE   1,488 0 0
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INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 4 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 57 407 SH   SOLE   407 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 5 25 SH   SOLE   25 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 5 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 222 1,251 SH   SOLE   1,251 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 174 1,545 SH   SOLE   1,545 0 0
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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
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MERCK & CO INC COMMON STOCK 58933Y105 71 775 SH   SOLE   775 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102 55 338 SH   SOLE   338 0 0
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MICROSOFT CORP COMMON STOCK 594918104 451 1,755 SH   SOLE   1,755 0 0
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NASDAQ INC COMMON STOCK 631103108 15 100 SH   SOLE   100 0 0
NETFLIX INC COMMON STOCK 64110L106 64 365 SH   SOLE   365 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 28 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 58 565 SH   SOLE   565 0 0
NORTHERN TRUST CORP COMMON STOCK 665859104 4 38 SH   SOLE   38 0 0
NVIDIA CORP COMMON STOCK 67066G104 46 302 SH   SOLE   302 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 164 2,344 SH   SOLE   2,344 0 0
PAYCHEX INC COMMON STOCK 704326107 151 1,325 SH   SOLE   1,325 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 74 1,055 SH   SOLE   1,055 0 0
PEPSICO INC COMMON STOCK 713448108 32 190 SH   SOLE   190 0 0
PFIZER INC COMMON STOCK 717081103 177 3,383 SH   SOLE   3,383 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 131 908 SH   SOLE   908 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102 12 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103 120 938 SH   SOLE   938 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 24 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302 56 340 SH   SOLE   340 0 0
SERVICENOW INC COMMON STOCK 81762P102 5 10 SH   SOLE   10 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 4 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109 70 910 SH   SOLE   910 0 0
STRYKER CORPORATION COMMON STOCK 863667101 146 736 SH   SOLE   736 0 0
SYSCO CORP COMMON STOCK 871829107 52 613 SH   SOLE   613 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 10 92 SH   SOLE   92 0 0
TESLA INC COMMON STOCK 88160R101 13 20 SH   SOLE   20 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 81 527 SH   SOLE   527 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 149 274 SH   SOLE   274 0 0
TJX COS INC COMMON STOCK 872540109 86 1,543 SH   SOLE   1,543 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109 98 582 SH   SOLE   582 0 0
UNION PAC CORP COMMON STOCK 907818108 146 683 SH   SOLE   683 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 11 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 172 335 SH   SOLE   335 0 0
US BANCORP NEW COMMON STOCK 902973304 69 1,508 SH   SOLE   1,508 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 147 2,899 SH   SOLE   2,899 0 0
VISA INC CL A COMMON STOCK 92826C839 244 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 52 426 SH   SOLE   426 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 7 516 SH   SOLE   516 0 0
WELLS FARGO & CO COMMON STOCK 949746101 6 150 SH   SOLE   150 0 0
WILLIAMS COS INC COMMON STOCK 969457100 89 2,866 SH   SOLE   2,866 0 0
YUM! BRANDS INC COMMON STOCK 988498101 83 735 SH   SOLE   735 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 13 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 673 21,171 SH   SOLE   21,171 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 15 55 SH   SOLE   55 0 0
CHUBB LTD COMMON STOCK H1467J104 2 10 SH   SOLE   10 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 44 505 SH   SOLE   505 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 7 75 SH   SOLE   75 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 26 725 SH   SOLE   725 0 0
COHEN & STEERS INFRASTRUCTURE OTHER 19248A109 5 200 SH   SOLE   200 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 38 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 69 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 34 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 25 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 103 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 69 785 SH   SOLE   785 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1,524 5,437 SH   SOLE   5,437 0 0
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ISHARES RUSSELL MIDCAP ETF OTHER 464287499 121 1,876 SH   SOLE   1,876 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 77 455 SH   SOLE   455 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 133 1,806 SH   SOLE   1,806 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 48 1,475 SH   SOLE   1,475 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 3 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 67 177 SH   SOLE   177 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 127 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 67 957 SH   SOLE   957 0 0
VANGUARD MID-CAP ETF OTHER 922908629 1,565 7,947 SH   SOLE   7,947 0 0
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VANGUARD SMALL-CAP ETF OTHER 922908751 590 3,348 SH   SOLE   3,348 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 20 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226 28 275 SH   SOLE   275 0 0
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ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 863 34,575 SH   SOLE   34,575 0 0
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ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 200 9,332 SH   SOLE   9,332 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 198 9,524 SH   SOLE   9,524 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 34 678 SH   SOLE   678 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409 444 5,828 SH   SOLE   5,828 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 310 4,121 SH   SOLE   4,121 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 32 607 SH   SOLE   607 0 0
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ALPHABET INC CL A COMMON STOCK 02079K305 4,250 1,950 SH   DFND 3 1,950 0 0
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BANK OF AMERICA CORP COMMON STOCK 060505104 2,164 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,607 9,550 SH   DFND 3 9,550 0 0
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CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 708 6,800 SH   DFND 3 6,800 0 0
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CHEVRON CORPORATION COMMON STOCK 166764100 1,216 8,400 SH   DFND 3 8,400 0 0
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DOLLAR TREE INC COMMON STOCK 256746108 1,309 8,400 SH   DFND 3 8,400 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109 638 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201 1,988 5,100 SH   DFND 3 5,100 0 0
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EXXON MOBIL CORP COMMON STOCK 30231G102 865 10,100 SH   DFND 3 10,100 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 772 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102 3,346 12,200 SH   DFND 3 12,200 0 0
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INTEL CORP COMMON STOCK 458140100 902 24,100 SH   DFND 3 24,100 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2,478 26,350 SH   DFND 3 26,350 0 0
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NEXTERA ENERGY INC COMMON STOCK 65339F101 426 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 521 5,100 SH   DFND 3 5,100 0 0
NVIDIA CORP COMMON STOCK 67066G104 985 6,500 SH   DFND 3 6,500 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1,328 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108 2,200 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103 2,857 54,500 SH   DFND 3 54,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 2,214 15,400 SH   DFND 3 15,400 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 594 1,900 SH   DFND 3 1,900 0 0
QUALCOMM INC COMMON STOCK 747525103 1,756 13,750 SH   DFND 3 13,750 0 0
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SHERWIN WILLIAMS CO COMMON STOCK 824348106 1,399 6,250 SH   DFND 3 6,250 0 0
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STRYKER CORPORATION COMMON STOCK 863667101 1,790 9,000 SH   DFND 3 9,000 0 0
SYSCO CORP COMMON STOCK 871829107 1,482 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 3,165 5,825 SH   DFND 3 5,825 0 0
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UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 2,081 11,400 SH   DFND 3 11,400 0 0
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