Interim CFO

0000717538-22-000235.txt : 20221107 0000717538-22-000235.hdr.sgml : 20221107 20221107094716 ACCESSION NUMBER: 0000717538-22-000235 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220930 FILED AS OF DATE: 20221107 DATE AS OF CHANGE: 20221107 EFFECTIVENESS DATE: 20221107 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ARROW FINANCIAL CORP CENTRAL INDEX KEY: 0000717538 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222448962 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-12533 FILM NUMBER: 221364086 BUSINESS ADDRESS: STREET 1: 250 GLEN ST CITY: GLENS FALLS STATE: NY ZIP: 12801 BUSINESS PHONE: 5184154299 MAIL ADDRESS: STREET 1: 250 GLEN STREET CITY: GLENS FALLS STATE: NY ZIP: 12801 FORMER COMPANY: FORMER CONFORMED NAME: ARROW BANK CORP DATE OF NAME CHANGE: 19900710 13F-HR 1 primary_doc.xml 13F-HR LIVE false false false 0000717538 XXXXXXXX 09-30-2022 09-30-2022 ARROW FINANCIAL CORP

250 GLEN STREET GLENS FALLS NY 12801

13F HOLDINGS REPORT 028-12533 N Thomas J. Murphy Interim CFO 518-415-4526 /s/ Thomas J. Murphy Glens Falls NY 11-07-2022 2 736 685642 false 2 0000902882 GLENS FALLS NATIONAL BANK & TRUST CO /NY 3 0001401342 North Country Investment Advisers, Inc. INFORMATION TABLE 2 information_table.xml INFORMATION TABLE ABBOTT LABS COMMON STOCK 002824100 19 200 SH OTR 0 200 0 ABBVIE INC COMMON STOCK 00287Y109 27 200 SH OTR 0 200 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 40 300 SH OTR 0 300 0 AMGEN INC COMMON STOCK 031162100 34 150 SH OTR 0 150 0 ANALOG DEVICES INC COMMON STOCK 032654105 24 175 SH OTR 0 175 0 APPLE INC COMMON STOCK 037833100 58 420 SH OTR 0 420 0 AT&T INC COMMON STOCK 00206R102 5 300 SH OTR 0 300 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 18 250 SH OTR 0 250 0 CHEVRON CORPORATION COMMON STOCK 166764100 27 190 SH OTR 0 190 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 16 400 SH OTR 0 400 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 14 200 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 14 200 SH OTR 0 200 0 DOW INC COMMON STOCK 260557103 3 66 SH OTR 0 66 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 3 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 28 100 SH OTR 0 100 0 INTEL CORP COMMON STOCK 458140100 10 400 SH OTR 0 400 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 12 100 SH OTR 0 100 0 JOHNSON & JOHNSON COMMON STOCK 478160104 25 150 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 23 100 SH OTR 0 100 0 MICROSOFT CORP COMMON STOCK 594918104 93 400 SH OTR 0 400 0 ORACLE CORPORATION COMMON STOCK 68389X105 18 300 SH OTR 0 300 0 PEPSICO INC COMMON STOCK 713448108 24 150 SH OTR 0 150 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 19 150 SH OTR 0 150 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 26 250 SH OTR 0 250 0 TJX COS INC COMMON STOCK 872540109 25 400 SH OTR 0 400 0 VISA INC CL A COMMON STOCK 92826C839 12 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 83 443 SH OTR 0 443 0 VANGUARD SMALL-CAP ETF OTHER 922908751 27 158 SH OTR 0 158 0 ABBOTT LABS COMMON STOCK 002824100 78 803 SH SOLE 803 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 15 200 SH SOLE 200 0 0 ADOBE INC COMMON STOCK 00724F101 90 326 SH SOLE 326 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 189 1980 SH SOLE 1980 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 85 880 SH SOLE 880 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 18 450 SH SOLE 450 0 0 AMAZON.COM INC COMMON STOCK 023135106 251 2221 SH SOLE 2221 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 11 80 SH SOLE 80 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 31 240 SH SOLE 240 0 0 AMGEN INC COMMON STOCK 031162100 26 114 SH SOLE 114 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 20 140 SH SOLE 140 0 0 APPLE INC COMMON STOCK 037833100 1061 7677 SH SOLE 7677 0 0 AT&T INC COMMON STOCK 00206R102 54 3500 SH SOLE 3500 0 0 AUTODESK INC COMMON STOCK 052769106 19 100 SH SOLE 100 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 48 210 SH SOLE 210 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 65 2160 SH SOLE 2160 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 104 391 SH SOLE 391 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 91 166 SH SOLE 166 0 0 BLOCK INC CL A COMMON STOCK 852234103 1 26 SH SOLE 26 0 0 BOOKING HOLDINGS INC COMMON STOCK 09857L108 5 3 SH SOLE 3 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 144 2028 SH SOLE 2028 0 0 CATERPILLAR INC COMMON STOCK 149123101 57 345 SH SOLE 345 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 82 574 SH SOLE 574 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 87 2173 SH SOLE 2173 0 0 CLOROX COMPANY COMMON STOCK 189054109 10 75 SH SOLE 75 0 0 COCA COLA CO COMMON STOCK 191216100 109 1951 SH SOLE 1951 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 20 290 SH SOLE 290 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 60 589 SH SOLE 589 0 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 61 264 SH SOLE 264 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 114 241 SH SOLE 241 0 0 COTERRA ENERGY INC COMMON STOCK 127097103 8 300 SH SOLE 300 0 0 CUMMINS INC COMMON STOCK 231021106 65 321 SH SOLE 321 0 0 CVS HEALTH CORP COMMON STOCK 126650100 5 50 SH SOLE 50 0 0 DANAHER CORP COMMON STOCK 235851102 68 265 SH SOLE 265 0 0 DEERE & CO COMMON STOCK 244199105 27 80 SH SOLE 80 0 0 DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202 1 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 120 1276 SH SOLE 1276 0 0 DOLLAR TREE INC COMMON STOCK 256746108 95 695 SH SOLE 695 0 0 DOW INC COMMON STOCK 260557103 2 45 SH SOLE 45 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 2 45 SH SOLE 45 0 0 ECOLAB INC COMMON STOCK 278865100 4 30 SH SOLE 30 0 0 ELEVANCE HEALTH INC COMMON STOCK 036752103 20 45 SH SOLE 45 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 186 2133 SH SOLE 2133 0 0 FEDEX CORPORATION COMMON STOCK 31428X106 15 100 SH SOLE 100 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 94 443 SH SOLE 443 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604301 45 723 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 26 90 SH SOLE 90 0 0 HOME DEPOT INC COMMON STOCK 437076102 199 720 SH SOLE 720 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 121 724 SH SOLE 724 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 25 140 SH SOLE 140 0 0 INTEL CORP COMMON STOCK 458140100 28 1068 SH SOLE 1068 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 92 1015 SH SOLE 1015 0 0 INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 3 33 SH SOLE 33 0 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 48 407 SH SOLE 407 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 5 25 SH SOLE 25 0 0 JACOBS SOLUTIONS INC COMMON STOCK 46982L108 4 40 SH SOLE 40 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 185 1132 SH SOLE 1132 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 145 1385 SH SOLE 1385 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 100 530 SH SOLE 530 0 0 MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 11 75 SH SOLE 75 0 0 MASCO CORP COMMON STOCK 574599106 38 815 SH SOLE 815 0 0 MASTERCARD INC CL A COMMON STOCK 57636Q104 96 337 SH SOLE 337 0 0 MCDONALDS CORP COMMON STOCK 580135101 90 390 SH SOLE 390 0 0 MERCK & CO INC COMMON STOCK 58933Y105 67 775 SH SOLE 775 0 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 40 293 SH SOLE 293 0 0 MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 28 460 SH SOLE 460 0 0 MICROSOFT CORP COMMON STOCK 594918104 363 1560 SH SOLE 1560 0 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 16 300 SH SOLE 300 0 0 MORGAN STANLEY COMMON STOCK 617446448 8 100 SH SOLE 100 0 0 MOTOROLA SOLUTIONS INC COMMON STOCK 620076307 5 22 SH SOLE 22 0 0 NASDAQ INC COMMON STOCK 631103108 17 300 SH SOLE 300 0 0 NETFLIX INC COMMON STOCK 64110L106 77 325 SH SOLE 325 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 28 360 SH SOLE 360 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 43 523 SH SOLE 523 0 0 NORTHERN TRUST CORP COMMON STOCK 665859104 3 38 SH SOLE 38 0 0 NVIDIA CORP COMMON STOCK 67066G104 31 259 SH SOLE 259 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 125 2045 SH SOLE 2045 0 0 PAYCHEX INC COMMON STOCK 704326107 126 1120 SH SOLE 1120 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 95 1105 SH SOLE 1105 0 0 PEPSICO INC COMMON STOCK 713448108 31 190 SH SOLE 190 0 0 PFIZER INC COMMON STOCK 717081103 133 3033 SH SOLE 3033 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 100 796 SH SOLE 796 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 11 125 SH SOLE 125 0 0 QUALCOMM INC COMMON STOCK 747525103 88 783 SH SOLE 783 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 20 245 SH SOLE 245 0 0 SALESFORCE INC COMMON STOCK 79466L302 47 325 SH SOLE 325 0 0 SERVICENOW INC COMMON STOCK 81762P102 4 10 SH SOLE 10 0 0 SOUTHWEST AIRLINES CO COMMON STOCK 844741108 3 100 SH SOLE 100 0 0 STARBUCKS CORP COMMON STOCK 855244109 69 820 SH SOLE 820 0 0 STRYKER CORPORATION COMMON STOCK 863667101 129 638 SH SOLE 638 0 0 SYSCO CORP COMMON STOCK 871829107 36 512 SH SOLE 512 0 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 10 92 SH SOLE 92 0 0 TESLA INC COMMON STOCK 88160R101 16 60 SH SOLE 60 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 59 383 SH SOLE 383 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 121 239 SH SOLE 239 0 0 TJX COS INC COMMON STOCK 872540109 78 1251 SH SOLE 1251 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 73 479 SH SOLE 479 0 0 UNION PAC CORP COMMON STOCK 907818108 120 615 SH SOLE 615 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 10 61 SH SOLE 61 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 152 300 SH SOLE 300 0 0 US BANCORP NEW COMMON STOCK 902973304 55 1353 SH SOLE 1353 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 99 2599 SH SOLE 2599 0 0 VISA INC CL A COMMON STOCK 92826C839 190 1069 SH SOLE 1069 0 0 VMWARE INC CL A COMMON STOCK 928563402 1 14 SH SOLE 14 0 0 WALMART INC COMMON STOCK 931142103 47 359 SH SOLE 359 0 0 WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 6 516 SH SOLE 516 0 0 WELLS FARGO & CO COMMON STOCK 949746101 6 150 SH SOLE 150 0 0 WILLIAMS COS INC COMMON STOCK 969457100 72 2514 SH SOLE 2514 0 0 YUM! BRANDS INC COMMON STOCK 988498101 63 590 SH SOLE 590 0 0 JD.COM INC CL A SPONS ADR COMMON STOCK 47215P106 5 99 SH SOLE 99 0 0 VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308 0 18 SH SOLE 18 0 0 CROWN CASTLE INC REIT COMMON STOCK 22822V101 11 75 SH SOLE 75 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 628 21806 SH SOLE 21806 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 14 55 SH SOLE 55 0 0 CHUBB LTD COMMON STOCK H1467J104 2 10 SH SOLE 10 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 30 400 SH SOLE 400 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 6 75 SH SOLE 75 0 0 SCHLUMBERGER LTD COMMON STOCK 806857108 26 725 SH SOLE 725 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 34 700 SH SOLE 700 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 71 500 SH SOLE 500 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 31 470 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 97 800 SH SOLE 800 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 65 785 SH SOLE 785 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 1384 5178 SH SOLE 5178 0 0 ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 1872 38756 SH SOLE 38756 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 2848 12990 SH SOLE 12990 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 2488 28533 SH SOLE 28533 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 9 25 SH SOLE 25 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 117 1876 SH SOLE 1876 0 0 ISHARES RUSSELL 2000 ETF OTHER 464287655 65 394 SH SOLE 394 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 109 1609 SH SOLE 1609 0 0 NUVEEN ESG SMALL-CAP ETF OTHER 67092P607 47 1475 SH SOLE 1475 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 3 40 SH SOLE 40 0 0 SPDR S&P 500 ETF TRUST OTHER 78462F103 96 269 SH SOLE 269 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 119 1000 SH SOLE 1000 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 56 857 SH SOLE 857 0 0 VANGUARD MID-CAP ETF OTHER 922908629 1457 7752 SH SOLE 7752 0 0 VANGUARD S&P 500 ETF OTHER 922908363 8350 25435 SH SOLE 25435 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 559 3273 SH SOLE 3273 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 26 275 SH SOLE 275 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 656 26228 SH SOLE 26228 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 789 31614 SH SOLE 31614 0 0 ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 814 33411 SH SOLE 33411 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 825 34181 SH SOLE 34181 0 0 ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 826 35770 SH SOLE 35770 0 0 ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 810 35225 SH SOLE 35225 0 0 ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 796 33480 SH SOLE 33480 0 0 ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 290 13310 SH SOLE 13310 0 0 ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 214 10557 SH SOLE 10557 0 0 ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 210 10784 SH SOLE 10784 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 28 560 SH SOLE 560 0 0 ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432 9 88 SH SOLE 88 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 415 5584 SH SOLE 5584 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 294 4116 SH SOLE 4116 0 0 ABBOTT LABS COMMON STOCK 002824100 1935 20000 SH DFND 3 20000 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1301 17500 SH DFND 3 17500 0 0 ADOBE INC COMMON STOCK 00724F101 2752 10000 SH DFND 3 10000 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 628 2700 SH DFND 3 2700 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 3730 39000 SH DFND 3 39000 0 0 AMAZON.COM INC COMMON STOCK 023135106 4746 42000 SH DFND 3 42000 0 0 AMGEN INC COMMON STOCK 031162100 2682 11900 SH DFND 3 11900 0 0 APPLE INC COMMON STOCK 037833100 7947 57500 SH DFND 3 57500 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 2099 69500 SH DFND 3 69500 0 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2550 9550 SH DFND 3 9550 0 0 BLACKROCK INC CL A COMMON STOCK 09247X101 1843 3350 SH DFND 3 3350 0 0 CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 627 6800 SH DFND 3 6800 0 0 CATERPILLAR INC COMMON STOCK 149123101 656 4000 SH DFND 3 4000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1207 8400 SH DFND 3 8400 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 1230 30750 SH DFND 3 30750 0 0 COSTCO WHOLESALE CORP COMMON STOCK 22160K105 1499 3175 SH DFND 3 3175 0 0 DANAHER CORP COMMON STOCK 235851102 1291 5000 SH DFND 3 5000 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 750 7950 SH DFND 3 7950 0 0 DOLLAR TREE INC COMMON STOCK 256746108 1143 8400 SH DFND 3 8400 0 0 DOMINION ENERGY INC COMMON STOCK 25746U109 553 8000 SH DFND 3 8000 0 0 DOMINOS PIZZA INC COMMON STOCK 25754A201 1582 5100 SH DFND 3 5100 0 0 ECOLAB INC COMMON STOCK 278865100 563 3900 SH DFND 3 3900 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 882 10100 SH DFND 3 10100 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 762 2600 SH DFND 3 2600 0 0 HOME DEPOT INC COMMON STOCK 437076102 3366 12200 SH DFND 3 12200 0 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1670 10000 SH DFND 3 10000 0 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 2381 26350 SH DFND 3 26350 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 3022 18500 SH DFND 3 18500 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 2268 21700 SH DFND 3 21700 0 0 MASCO CORP COMMON STOCK 574599106 1541 33000 SH DFND 3 33000 0 0 MCDONALDS CORP COMMON STOCK 580135101 600 2600 SH DFND 3 2600 0 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 882 6500 SH DFND 3 6500 0 0 MICROSOFT CORP COMMON STOCK 594918104 6987 30000 SH DFND 3 30000 0 0 MORGAN STANLEY COMMON STOCK 617446448 893 11300 SH DFND 3 11300 0 0 NETFLIX INC COMMON STOCK 64110L106 706 3000 SH DFND 3 3000 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 431 5500 SH DFND 3 5500 0 0 NIKE INC-CLASS B COMMON STOCK 654106103 424 5100 SH DFND 3 5100 0 0 NVIDIA CORP COMMON STOCK 67066G104 789 6500 SH DFND 3 6500 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 1160 19000 SH DFND 3 19000 0 0 PEPSICO INC COMMON STOCK 713448108 2155 13200 SH DFND 3 13200 0 0 PFIZER INC COMMON STOCK 717081103 2385 54500 SH DFND 3 54500 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 1944 15400 SH DFND 3 15400 0 0 QUALCOMM INC COMMON STOCK 747525103 1553 13750 SH DFND 3 13750 0 0 SALESFORCE INC COMMON STOCK 79466L302 2790 19400 SH DFND 3 19400 0 0 SHERWIN WILLIAMS CO COMMON STOCK 824348106 1280 6250 SH DFND 3 6250 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 622 9150 SH DFND 3 9150 0 0 STRYKER CORPORATION COMMON STOCK 863667101 1823 9000 SH DFND 3 9000 0 0 SYSCO CORP COMMON STOCK 871829107 1237 17500 SH DFND 3 17500 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2954 5825 SH DFND 3 5825 0 0 TJX COS INC COMMON STOCK 872540109 1432 23050 SH DFND 3 23050 0 0 TWITTER INC COMMON STOCK 90184L102 877 20000 SH DFND 3 20000 0 0 UNION PAC CORP COMMON STOCK 907818108 1033 5300 SH DFND 3 5300 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1842 11400 SH DFND 3 11400 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 3535 7000 SH DFND 3 7000 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 570 15000 SH DFND 3 15000 0 0 VISA INC CL A COMMON STOCK 92826C839 5885 33125 SH DFND 3 33125 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 473 3000 SH DFND 3 3000 0 0 WALMART INC COMMON STOCK 931142103 2010 15500 SH DFND 3 15500 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 2491 15550 SH DFND 3 15550 0 0 WILLIAMS COS INC COMMON STOCK 969457100 985 34400 SH DFND 3 34400 0 0 ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 210 1500 SH DFND 3 1500 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 505 2350 SH DFND 3 2350 0 0 PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 556 1900 SH DFND 3 1900 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 640 8500 SH DFND 3 8500 0 0 ABBOTT LABS COMMON STOCK 002824100 1849 19110 SH DFND 2 19110 0 0 ABBVIE INC COMMON STOCK 00287Y109 754 5615 SH DFND 2 5615 0 0 ACTIVISION BLIZZARD INC COMMON STOCK 00507V109 1515 20386 SH DFND 2 20386 0 0 ADOBE INC COMMON STOCK 00724F101 1704 6191 SH DFND 2 6191 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 65 278 SH DFND 2 278 0 0 ALPHABET INC CL A COMMON STOCK 02079K305 5448 56959 SH DFND 2 56959 0 0 ALPHABET INC CL C COMMON STOCK 02079K107 1474 15330 SH DFND 2 15330 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 250 6181 SH DFND 2 6181 0 0 AMAZON.COM INC COMMON STOCK 023135106 4324 38262 SH DFND 2 38262 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 29 340 SH DFND 2 340 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 256 1895 SH DFND 2 1895 0 0 AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 14 300 SH DFND 2 300 0 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 670 5149 SH DFND 2 5149 0 0 AMGEN INC COMMON STOCK 031162100 1092 4845 SH DFND 2 4845 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 8 60 SH DFND 2 60 0 0 APPLE INC COMMON STOCK 037833100 8038 58159 SH DFND 2 58159 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 188 2300 SH DFND 2 2300 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 16 200 SH DFND 2 200 0 0 ASHLAND INC COMMON STOCK 044186104 113 1191 SH DFND 2 1191 0 0 AT&T INC COMMON STOCK 00206R102 209 13633 SH DFND 2 13633 0 0 AUTODESK INC COMMON STOCK 052769106 15 80 SH DFND 2 80 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 876 3873 SH DFND 2 3873 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 1607 53219 SH DFND 2 53219 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 49 1280 SH DFND 2 1280 0 0 BAXTER INTL INC COMMON STOCK 071813109 23 430 SH DFND 2 430 0 0 BECTON DICKINSON COMMON 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SH DFND 2 9228 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2564 5055 SH DFND 2 5055 0 0 TJX COS INC COMMON STOCK 872540109 1862 29977 SH DFND 2 29977 0 0 TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 17 240 SH DFND 2 240 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 1496 9762 SH DFND 2 9762 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 66 1525 SH DFND 2 1525 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 2393 12284 SH DFND 2 12284 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 154 952 SH DFND 2 952 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2875 5692 SH DFND 2 5692 0 0 US BANCORP NEW COMMON STOCK 902973304 860 21322 SH DFND 2 21322 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1631 42968 SH DFND 2 42968 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 5 1057 SH DFND 2 1057 0 0 VISA INC CL A COMMON STOCK 92826C839 3705 20856 SH DFND 2 20856 0 0 VONTIER CORP COMMON STOCK 928881101 3 176 SH DFND 2 176 0 0 VULCAN MATERIALS CO COMMON STOCK 929160109 222 1405 SH DFND 2 1405 0 0 WABTEC CORP COMMON STOCK 929740108 12 150 SH DFND 2 150 0 0 WALMART INC COMMON STOCK 931142103 1178 9083 SH DFND 2 9083 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 39 244 SH DFND 2 244 0 0 WEC ENERGY GROUP INC COMMON STOCK 92939U106 30 335 SH DFND 2 335 0 0 WELLS FARGO & CO COMMON STOCK 949746101 213 5285 SH DFND 2 5285 0 0 WENDY'S CO COMMON STOCK 95058W100 16 850 SH DFND 2 850 0 0 WILLIAMS COS INC COMMON STOCK 969457100 1163 40606 SH DFND 2 40606 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 1243 11692 SH DFND 2 11692 0 0 ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 67 645 SH DFND 2 645 0 0 3M CO COMMON STOCK 88579Y101 242 2190 SH DFND 2 2190 0 0 BIONTECH SE SPONS ADR COMMON STOCK 09075V102 7 50 SH DFND 2 50 0 0 BP PLC SPONS ADR COMMON STOCK 055622104 61 2122 SH DFND 2 2122 0 0 RIO TINTO PLC SPONS ADR COMMON STOCK 767204100 33 600 SH DFND 2 600 0 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 93 435 SH DFND 2 435 0 0 LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101 14 1500 SH DFND 2 1500 0 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 44178 1532884 SH DFND 2 1532884 0 0 ACCENTURE PLC CL A COMMON STOCK G1151C101 58 225 SH DFND 2 225 0 0 BARRICK GOLD CORP COMMON STOCK 067901108 11 700 SH DFND 2 700 0 0 CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 20 175 SH DFND 2 175 0 0 EATON CORP PLC COMMON STOCK G29183103 21 154 SH DFND 2 154 0 0 ENBRIDGE INCORPORATED COMMON STOCK 29250N105 63 1700 SH DFND 2 1700 0 0 GLOBALFOUNDRIES INC COMMON STOCK G39387108 37 775 SH DFND 2 775 0 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 761 10103 SH DFND 2 10103 0 0 MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 4 236 SH DFND 2 236 0 0 MEDTRONIC PLC COMMON STOCK G5960L103 83 1034 SH DFND 2 1034 0 0 MIND MEDICINE MINDMED INC COMMON STOCK 60255C885 0 66 SH DFND 2 66 0 0 RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103 11 216 SH DFND 2 216 0 0 ROYAL BANK OF CANADA COMMON STOCK 780087102 9 100 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 10 360 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 116 1890 SH DFND 2 1890 0 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 11 220 SH DFND 2 220 0 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 258 1810 SH DFND 2 1810 0 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 87 1300 SH DFND 2 1300 0 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 142 1967 SH DFND 2 1967 0 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 441 14513 SH DFND 2 14513 0 0 GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 28 1485 SH DFND 2 1485 0 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 431 3556 SH DFND 2 3556 0 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 228 2747 SH DFND 2 2747 0 0 INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610 25 1780 SH DFND 2 1780 0 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 12878 48185 SH DFND 2 48185 0 0 INVESCO S&P 500 EQUAL WEIGHT E OTHER 46137V357 44 342 SH DFND 2 342 0 0 ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 27447 568148 SH DFND 2 568148 0 0 ISHARES CORE MSCI EAFE ETF OTHER 46432F842 40 750 SH DFND 2 750 0 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 35651 162596 SH DFND 2 162596 0 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 28864 331043 SH DFND 2 331043 0 0 ISHARES CORE S&P 500 ETF OTHER 464287200 101 282 SH DFND 2 282 0 0 ISHARES MSCI EAFE ETF OTHER 464287465 8 150 SH DFND 2 150 0 0 ISHARES MSCI USA QUALITY FACTO OTHER 46432F339 92 886 SH DFND 2 886 0 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 198 3183 SH DFND 2 3183 0 0 ISHARES SILVER TRUST OTHER 46428Q109 21 1210 SH DFND 2 1210 0 0 ISHARES US REGIONAL BANKS ETF OTHER 464288778 35 735 SH DFND 2 735 0 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 1490 21914 SH DFND 2 21914 0 0 REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860 5 133 SH DFND 2 133 0 0 SPDR GOLD TRUST OTHER 78463V107 216 1399 SH DFND 2 1399 0 0 SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409 352 7027 SH DFND 2 7027 0 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 318 9226 SH DFND 2 9226 0 0 SPDR S&P BIOTECH ETF OTHER 78464A870 114 1440 SH DFND 2 1440 0 0 SPDR S&P INSURANCE ETF OTHER 78464A789 46 1260 SH DFND 2 1260 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 5429 15200 SH DFND 2 15200 0 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 548 4617 SH DFND 2 4617 0 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 696 10621 SH DFND 2 10621 0 0 VANECK BIOTECH ETF OTHER 92189F726 35 250 SH DFND 2 250 0 0 VANECK GOLD MINERS ETF OTHER 92189F106 40 1670 SH DFND 2 1670 0 0 VANECK SEMICONDUCTOR ETF OTHER 92189F676 80 432 SH DFND 2 432 0 0 VANECK SOCIAL SENTIMENT ETF OTHER 92189H839 22 1750 SH DFND 2 1750 0 0 VANGUARD FTSE DEVELOPED MARKET OTHER 921943858 14 380 SH DFND 2 380 0 0 VANGUARD FTSE EMERGING MARKETS OTHER 922042858 5 124 SH DFND 2 124 0 0 VANGUARD GROWTH ETF OTHER 922908736 119 556 SH DFND 2 556 0 0 VANGUARD HEALTH CARE ETF OTHER 92204A504 12 52 SH DFND 2 52 0 0 VANGUARD INFO TECH ETF OTHER 92204A702 32 104 SH DFND 2 104 0 0 VANGUARD MID-CAP ETF OTHER 922908629 26538 141174 SH DFND 2 141174 0 0 VANGUARD REAL ESTATE ETF OTHER 922908553 15 185 SH DFND 2 185 0 0 VANGUARD S&P 500 ETF OTHER 922908363 74999 228446 SH DFND 2 228446 0 0 VANGUARD SMALL-CAP ETF OTHER 922908751 10203 59697 SH DFND 2 59697 0 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 121 1484 SH DFND 2 1484 0 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 4821 50041 SH DFND 2 50041 0 0 ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243 365 15520 SH DFND 2 15520 0 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 6366 254330 SH DFND 2 254330 0 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 7418 297325 SH DFND 2 297325 0 0 ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697 198 7770 SH DFND 2 7770 0 0 ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 7053 289659 SH DFND 2 289659 0 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 7064 292739 SH DFND 2 292739 0 0 ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259 197 7994 SH DFND 2 7994 0 0 ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 6955 301087 SH DFND 2 301087 0 0 ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 6586 286364 SH DFND 2 286364 0 0 ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 6434 270470 SH DFND 2 270470 0 0 ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 1680 77086 SH DFND 2 77086 0 0 ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 1378 68001 SH DFND 2 68001 0 0 ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 1130 57910 SH DFND 2 57910 0 0 ISHARES IBONDS 2022 H/Y INC OTHER 46435U176 31 1270 SH DFND 2 1270 0 0 ISHARES IBONDS 2023 H/Y INC OTHER 46435U150 672 28760 SH DFND 2 28760 0 0 ISHARES IBONDS 2024 H/Y INC OTHER 46435U184 138 6188 SH DFND 2 6188 0 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 4437 90045 SH DFND 2 90045 0 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 11929 160599 SH DFND 2 160599 0 0 VANGUARD TOTAL BOND MARKET ETF OTHER 921937835 934 13088 SH DFND 2 13088 0 0 ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318 199 7886 SH DFND 2 7886 0 0 ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432 197 7608 SH DFND 2 7608 0 0 ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283 196 8042 SH DFND 2 8042 0 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 978 9535 SH DFND 2 9535 0 0 ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 3029 59883 SH DFND 2 59883 0 0 ABBOTT LABS COMMON STOCK 002824100 112 1162 SH OTR 2 0 1162 0 ABBVIE INC COMMON STOCK 00287Y109 272 2025 SH OTR 2 0 2025 0 ADOBE INC COMMON STOCK 00724F101 88 320 SH OTR 2 0 320 0 ALPHABET INC CL A COMMON STOCK 02079K305 585 6120 SH OTR 2 0 6120 0 ALPHABET INC CL C COMMON STOCK 02079K107 192 2000 SH OTR 2 0 2000 0 ALTRIA GROUP INC COMMON STOCK 02209S103 6 150 SH OTR 2 0 150 0 AMAZON.COM INC COMMON STOCK 023135106 296 2620 SH OTR 2 0 2620 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 175 1300 SH OTR 2 0 1300 0 AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 33 255 SH OTR 2 0 255 0 AMGEN INC COMMON STOCK 031162100 56 250 SH OTR 2 0 250 0 APPLE INC COMMON STOCK 037833100 1491 10787 SH OTR 2 0 10787 0 AT&T INC COMMON STOCK 00206R102 64 4157 SH OTR 2 0 4157 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 707 3125 SH OTR 2 0 3125 0 BANK OF AMERICA CORP COMMON STOCK 060505104 162 5370 SH OTR 2 0 5370 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 57 1475 SH OTR 2 0 1475 0 BAXTER INTL INC COMMON STOCK 071813109 102 1900 SH OTR 2 0 1900 0 BECTON DICKINSON COMMON STOCK 075887109 32 145 SH OTR 2 0 145 0 BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 318 1190 SH OTR 2 0 1190 0 BLACKROCK INC CL A COMMON STOCK 09247X101 140 255 SH OTR 2 0 255 0 BLOCK INC CL A COMMON STOCK 852234103 10 185 SH OTR 2 0 185 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 179 2511 SH OTR 2 0 2511 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 13 200 SH OTR 2 0 200 0 CARRIER GLOBAL CORP COMMON STOCK 14448C104 170 4770 SH OTR 2 0 4770 0 CATERPILLAR INC COMMON STOCK 149123101 185 1125 SH OTR 2 0 1125 0 CHEVRON CORPORATION COMMON STOCK 166764100 378 2633 SH OTR 2 0 2633 0 CIGNA CORP COMMON STOCK 125523100 12 44 SH OTR 2 0 44 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 56 1405 SH OTR 2 0 1405 0 CLOROX COMPANY COMMON STOCK 189054109 13 100 SH OTR 2 0 100 0 COCA COLA CO COMMON STOCK 191216100 111 1980 SH OTR 2 0 1980 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 400 5700 SH OTR 2 0 5700 0 COMCAST CORP-CL A COMMON STOCK 20030N101 9 300 SH OTR 2 0 300 0 CONOCOPHILLIPS COMMON STOCK 20825C104 138 1346 SH OTR 2 0 1346 0 CONSTELLATION BRANDS INC COMMON STOCK 21036P108 176 767 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 38 185 SH OTR 2 0 185 0 CVS HEALTH CORP COMMON STOCK 126650100 37 390 SH OTR 2 0 390 0 DANAHER CORP COMMON STOCK 235851102 39 151 SH OTR 2 0 151 0 DISNEY WALT CO NEW COMMON STOCK 254687106 168 1777 SH OTR 2 0 1777 0 DOCUSIGN INC COMMON STOCK 256163106 12 225 SH OTR 2 0 225 0 DOLLAR TREE INC COMMON STOCK 256746108 24 175 SH OTR 2 0 175 0 DOMINION ENERGY INC COMMON STOCK 25746U109 40 575 SH OTR 2 0 575 0 DOW INC COMMON STOCK 260557103 1 33 SH OTR 2 0 33 0 DTE ENERGY CO COMMON STOCK 233331107 33 285 SH OTR 2 0 285 0 DUKE ENERGY CORP COMMON STOCK 26441C204 59 634 SH OTR 2 0 634 0 ECOLAB INC COMMON STOCK 278865100 144 1000 SH OTR 2 0 1000 0 EMBECTA CORP COMMON STOCK 29082K105 1 29 SH OTR 2 0 29 0 EMERSON ELEC CO COMMON STOCK 291011104 232 3170 SH OTR 2 0 3170 0 EOG RES INC COMMON STOCK 26875P101 4 35 SH OTR 2 0 35 0 EXXON MOBIL CORP COMMON STOCK 30231G102 800 9160 SH OTR 2 0 9160 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 42 200 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 481 1744 SH OTR 2 0 1744 0 HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 123 735 SH OTR 2 0 735 0 INTEL CORP COMMON STOCK 458140100 154 5985 SH OTR 2 0 5985 0 INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 88 975 SH OTR 2 0 975 0 INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 535 4500 SH OTR 2 0 4500 0 INTUIT INC COMMON STOCK 461202103 314 810 SH OTR 2 0 810 0 JACOBS SOLUTIONS INC COMMON STOCK 46982L108 67 615 SH OTR 2 0 615 0 JOHNSON & JOHNSON COMMON STOCK 478160104 1054 6451 SH OTR 2 0 6451 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 768 7350 SH OTR 2 0 7350 0 KELLOGG CO COMMON STOCK 487836108 63 900 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 5 600 SH OTR 2 0 600 0 LILLY ELI & CO COMMON STOCK 532457108 550 1700 SH OTR 2 0 1700 0 LOWES COS INC COMMON STOCK 548661107 185 985 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 26 90 SH OTR 2 0 90 0 MCDONALDS CORP COMMON STOCK 580135101 114 495 SH OTR 2 0 495 0 MERCK & CO INC COMMON STOCK 58933Y105 280 3255 SH OTR 2 0 3255 0 META PLATFORMS INC CL A COMMON STOCK 30303M102 22 165 SH OTR 2 0 165 0 METLIFE INC COMMON STOCK 59156R108 14 235 SH OTR 2 0 235 0 MICROSOFT CORP COMMON STOCK 594918104 1655 7105 SH OTR 2 0 7105 0 MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 11 207 SH OTR 2 0 207 0 MORGAN STANLEY COMMON STOCK 617446448 158 2000 SH OTR 2 0 2000 0 NETFLIX INC COMMON STOCK 64110L106 51 215 SH OTR 2 0 215 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 194 2470 SH OTR 2 0 2470 0 NIKE INC-CLASS B COMMON STOCK 654106103 245 2950 SH OTR 2 0 2950 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 142 675 SH OTR 2 0 675 0 NVIDIA CORP COMMON STOCK 67066G104 138 1140 SH OTR 2 0 1140 0 OCCIDENTAL PETE CORP COMMON STOCK 674599105 35 565 SH OTR 2 0 565 0 ORACLE CORPORATION COMMON STOCK 68389X105 380 6220 SH OTR 2 0 6220 0 ORGANON & CO COMMON STOCK 68622V106 4 180 SH OTR 2 0 180 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 135 2109 SH OTR 2 0 2109 0 PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206 15 776 SH OTR 2 0 776 0 PAYCHEX INC COMMON STOCK 704326107 139 1240 SH OTR 2 0 1240 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 75 875 SH OTR 2 0 875 0 PEPSICO INC COMMON STOCK 713448108 765 4685 SH OTR 2 0 4685 0 PFIZER INC COMMON STOCK 717081103 505 11530 SH OTR 2 0 11530 0 PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 8 100 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 646 5120 SH OTR 2 0 5120 0 QUALCOMM INC COMMON STOCK 747525103 28 245 SH OTR 2 0 245 0 QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 61 500 SH OTR 2 0 500 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 467 5705 SH OTR 2 0 5705 0 RUMBLE INC CL A COMMON STOCK 78137L105 12 1000 SH OTR 2 0 1000 0 SALESFORCE INC COMMON STOCK 79466L302 19 130 SH OTR 2 0 130 0 SOUTHERN COMPANY COMMON STOCK 842587107 41 600 SH OTR 2 0 600 0 STARBUCKS CORP COMMON STOCK 855244109 178 2110 SH OTR 2 0 2110 0 STRYKER CORPORATION COMMON STOCK 863667101 309 1525 SH OTR 2 0 1525 0 SYSCO CORP COMMON STOCK 871829107 19 270 SH OTR 2 0 270 0 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 183 1740 SH OTR 2 0 1740 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 26 165 SH OTR 2 0 165 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 198 390 SH OTR 2 0 390 0 TJX COS INC COMMON STOCK 872540109 136 2195 SH OTR 2 0 2195 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 18 120 SH OTR 2 0 120 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4 100 SH OTR 2 0 100 0 UNION PAC CORP COMMON STOCK 907818108 96 495 SH OTR 2 0 495 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 113 700 SH OTR 2 0 700 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 174 345 SH OTR 2 0 345 0 US BANCORP NEW COMMON STOCK 902973304 120 2975 SH OTR 2 0 2975 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 151 3972 SH OTR 2 0 3972 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 87 300 SH OTR 2 0 300 0 VIATRIS INC COMMON STOCK 92556V106 9 1086 SH OTR 2 0 1086 0 VISA INC CL A COMMON STOCK 92826C839 227 1280 SH OTR 2 0 1280 0 WALMART INC COMMON STOCK 931142103 67 520 SH OTR 2 0 520 0 WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104 7 648 SH OTR 2 0 648 0 WELLS FARGO & CO COMMON STOCK 949746101 61 1525 SH OTR 2 0 1525 0 WILLIAMS COS INC COMMON STOCK 969457100 46 1600 SH OTR 2 0 1600 0 YUM! BRANDS INC COMMON STOCK 988498101 14 135 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 239 2160 SH OTR 2 0 2160 0 AMERICAN TOWER CORP REIT COMMON STOCK 03027X100 36 170 SH OTR 2 0 170 0 ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 626 21708 SH OTR 2 0 21708 0 EATON CORP PLC COMMON STOCK G29183103 67 500 SH OTR 2 0 500 0 LINDE PLC COMMON STOCK G5494J103 74 275 SH OTR 2 0 275 0 LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100 10 130 SH OTR 2 0 130 0 MEDTRONIC PLC COMMON STOCK G5960L103 48 600 SH OTR 2 0 600 0 SCHLUMBERGER LTD COMMON STOCK 806857108 8 225 SH OTR 2 0 225 0 TORONTO DOMINION BANK COMMON STOCK 891160509 128 2084 SH OTR 2 0 2084 0 COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852 395 8255 SH OTR 2 0 8255 0 CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407 632 4435 SH OTR 2 0 4435 0 CONS STAPLES SELECT SECT SPDR OTHER 81369Y308 329 4924 SH OTR 2 0 4924 0 ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506 214 2968 SH OTR 2 0 2968 0 FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605 559 18417 SH OTR 2 0 18417 0 HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 780 6440 SH OTR 2 0 6440 0 INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 429 5179 SH OTR 2 0 5179 0 INVESCO QQQ TRUST SERIES 1 OTHER 46090E103 99 371 SH OTR 2 0 371 0 ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326 790 16360 SH OTR 2 0 16360 0 ISHARES CORE S&P MID-CAP ETF OTHER 464287507 232 1059 SH OTR 2 0 1059 0 ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804 615 7053 SH OTR 2 0 7053 0 ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182 3 46 SH OTR 2 0 46 0 ISHARES MSCI EMERGING MKT ETF OTHER 464287234 14 396 SH OTR 2 0 396 0 ISHARES RUSSELL MIDCAP ETF OTHER 464287499 31 500 SH OTR 2 0 500 0 MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100 267 3926 SH OTR 2 0 3926 0 SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508 18 525 SH OTR 2 0 525 0 SPDR S&P BIOTECH ETF OTHER 78464A870 8 100 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 121 340 SH OTR 2 0 340 0 TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803 1307 11004 SH OTR 2 0 11004 0 UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886 114 1741 SH OTR 2 0 1741 0 VANGUARD MID-CAP ETF OTHER 922908629 2995 15932 SH OTR 2 0 15932 0 VANGUARD REAL ESTATE ETF OTHER 922908553 160 1990 SH OTR 2 0 1990 0 VANGUARD S&P 500 ETF OTHER 922908363 1245 3791 SH OTR 2 0 3791 0 VANGUARD SMALL-CAP ETF OTHER 922908751 1183 6922 SH OTR 2 0 6922 0 ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 41 500 SH OTR 2 0 500 0 ISHARES CORE U.S. AGGREGATE OTHER 464287226 458 4750 SH OTR 2 0 4750 0 ISHARES IBONDS DEC 2022 TERM C OTHER 46434VBA7 117 4693 SH OTR 2 0 4693 0 ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8 116 4661 SH OTR 2 0 4661 0 ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4 223 9142 SH OTR 2 0 9142 0 ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1 174 7228 SH OTR 2 0 7228 0 ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0 173 7479 SH OTR 2 0 7479 0 ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9 213 9274 SH OTR 2 0 9274 0 ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515 210 8821 SH OTR 2 0 8821 0 ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205 119 5469 SH OTR 2 0 5469 0 ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726 40 1951 SH OTR 2 0 1951 0 ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486 39 2006 SH OTR 2 0 2006 0 ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646 153 3106 SH OTR 2 0 3106 0 VANGUARD SHORT TERM CORP BOND OTHER 92206C409 567 7628 SH OTR 2 0 7628 0 ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 44 425 SH OTR 2 0 425 0