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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100   2,008,290 19,833 SH   DFND 2 19,833 0 0
ABBVIE INC COMMON STOCK 00287Y109   835,258 5,241 SH   DFND 2 5,241 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,815,193 21,208 SH   DFND 2 21,208 0 0
ADOBE INC COMMON STOCK 00724F101   2,578,511 6,691 SH   DFND 2 6,691 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   79,844 278 SH   DFND 2 278 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   5,775,686 55,680 SH   DFND 2 55,680 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,499,680 14,420 SH   DFND 2 14,420 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   275,796 6,181 SH   DFND 2 6,181 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,894,136 37,701 SH   DFND 2 37,701 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   55,959 615 SH   DFND 2 615 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   287,013 1,740 SH   DFND 2 1,740 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   15,108 300 SH   DFND 2 300 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   817,561 5,581 SH   DFND 2 5,581 0 0
AMGEN INC COMMON STOCK 031162100   1,139,851 4,715 SH   DFND 2 4,715 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   38,163 467 SH   DFND 2 467 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   11,833 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   9,003,540 54,600 SH   DFND 2 54,600 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   282,509 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   15,932 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104   119,246 1,161 SH   DFND 2 1,161 0 0
AT&T INC COMMON STOCK 00206R102   724,686 37,646 SH   DFND 2 37,646 0 0
AUTODESK INC COMMON STOCK 052769106   16,653 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   1,129,179 5,072 SH   DFND 2 5,072 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,640,839 57,372 SH   DFND 2 57,372 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   50,529 1,112 SH   DFND 2 1,112 0 0
BAXTER INTL INC COMMON STOCK 071813109   17,441 430 SH   DFND 2 430 0 0
BECTON DICKINSON COMMON STOCK 075887109   47,033 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,958,325 9,581 SH   DFND 2 9,581 0 0
BEST BUY CO INC COMMON STOCK 086516101   3,522 45 SH   DFND 2 45 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,264,971 3,385 SH   DFND 2 3,385 0 0
BLACKSTONE INC COMMON STOCK 09260D107   49,015 558 SH   DFND 2 558 0 0
BOEING CO COMMON STOCK 097023105   33,989 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   82,225 31 SH   DFND 2 31 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   2,420,444 34,922 SH   DFND 2 34,922 0 0
BROADCOM INC COMMON STOCK 11135F101   87,891 137 SH   DFND 2 137 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   34,137 355 SH   DFND 2 355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   7,550 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   41,267 902 SH   DFND 2 902 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,975,347 8,632 SH   DFND 2 8,632 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   32,738 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   1,073 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,159,089 7,104 SH   DFND 2 7,104 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   3,059,394 58,525 SH   DFND 2 58,525 0 0
CITIGROUP INC COMMON STOCK 172967424   7,034 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109   78,645 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   43,092 225 SH   DFND 2 225 0 0
CMS ENERGY CORP COMMON STOCK 125896100   7,427 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100   1,517,874 24,470 SH   DFND 2 24,470 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   220,941 2,940 SH   DFND 2 2,940 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   111,835 2,950 SH   DFND 2 2,950 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,190,818 12,003 SH   DFND 2 12,003 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   77,875 814 SH   DFND 2 814 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   950,771 4,209 SH   DFND 2 4,209 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   2,591 33 SH   DFND 2 33 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,368,579 4,767 SH   DFND 2 4,767 0 0
CSX CORP COMMON STOCK 126408103   7,545 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,545,076 6,468 SH   DFND 2 6,468 0 0
CVS HEALTH CORP COMMON STOCK 126650100   23,259 313 SH   DFND 2 313 0 0
DANAHER CORP COMMON STOCK 235851102   1,597,177 6,337 SH   DFND 2 6,337 0 0
DEERE & CO COMMON STOCK 244199105   255,986 620 SH   DFND 2 620 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   5,061 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,395,811 23,927 SH   DFND 2 23,927 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   25,676 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   2,441,786 17,010 SH   DFND 2 17,010 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   433,135 7,747 SH   DFND 2 7,747 0 0
DOW INC COMMON STOCK 260557103   50,105 914 SH   DFND 2 914 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   97,049 1,006 SH   DFND 2 1,006 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   64,808 903 SH   DFND 2 903 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   512,956 6,082 SH   DFND 2 6,082 0 0
EBAY INC COMMON STOCK 278642103   17,748 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   411,673 2,487 SH   DFND 2 2,487 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   24,707 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109   1,927 16 SH   DFND 2 16 0 0
EMERSON ELEC CO COMMON STOCK 291011104   131,581 1,510 SH   DFND 2 1,510 0 0
EOG RES INC COMMON STOCK 26875P101   21,207 185 SH   DFND 2 185 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   47,229 1,082 SH   DFND 2 1,082 0 0
EXELON CORP COMMON STOCK 30161N101   4,189 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   3,070,590 28,001 SH   DFND 2 28,001 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   24,905 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   164,513 720 SH   DFND 2 720 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   32,088 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   271,272 2,400 SH   DFND 2 2,400 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   132,300 10,500 SH   DFND 2 10,500 0 0
FORTIVE CORP COMMON STOCK 34959J108   15,815 232 SH   DFND 2 232 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   61,933 755 SH   DFND 2 755 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   2,027,418 8,884 SH   DFND 2 8,884 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   226,859 2,373 SH   DFND 2 2,373 0 0
GENERAL MLS INC COMMON STOCK 370334104   249,543 2,920 SH   DFND 2 2,920 0 0
GENUINE PARTS CO COMMON STOCK 372460105   35,135 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   133,914 1,614 SH   DFND 2 1,614 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   142,947 437 SH   DFND 2 437 0 0
GRAINGER W W INC COMMON STOCK 384802104   51,661 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330202   40 110 SH   DFND 2 110 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,594 200 SH   DFND 2 200 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100   28,646 746 SH   DFND 2 746 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,673,064 12,446 SH   DFND 2 12,446 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,499,467 13,078 SH   DFND 2 13,078 0 0
IDACORP INC COMMON STOCK 451107106   25,133 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   107,118 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   582 10 SH   DFND 2 10 0 0
INTEL CORP COMMON STOCK 458140100   731,612 22,394 SH   DFND 2 22,394 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,253,290 21,606 SH   DFND 2 21,606 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   114,490 1,245 SH   DFND 2 1,245 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   234,127 1,786 SH   DFND 2 1,786 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   18,086 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   76,382 650 SH   DFND 2 650 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,385,975 21,845 SH   DFND 2 21,845 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,446,960 26,452 SH   DFND 2 26,452 0 0
KADANT INC COMMON STOCK 48282T104   100,090 480 SH   DFND 2 480 0 0
KELLOGG CO COMMON STOCK 487836108   6,696 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   10,166 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   29,663 221 SH   DFND 2 221 0 0
KKR & CO INC CL A COMMON STOCK 48251W104   87,708 1,670 SH   DFND 2 1,670 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   8,971 232 SH   DFND 2 232 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   25,236 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   185,447 540 SH   DFND 2 540 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   214,147 453 SH   DFND 2 453 0 0
LOWES COS INC COMMON STOCK 548661107   1,377,593 6,889 SH   DFND 2 6,889 0 0
MANITOWOC CO INC COMMON STOCK 563571405   3,418 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   11,623 70 SH   DFND 2 70 0 0
MASCO CORP COMMON STOCK 574599106   936,973 18,845 SH   DFND 2 18,845 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   2,463,193 6,778 SH   DFND 2 6,778 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   94,111 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,265,121 8,101 SH   DFND 2 8,101 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109   18,288 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105   607,806 5,713 SH   DFND 2 5,713 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   353,304 1,667 SH   DFND 2 1,667 0 0
METLIFE INC COMMON STOCK 59156R108   30,476 526 SH   DFND 2 526 0 0
MICROSOFT CORP COMMON STOCK 594918104   8,024,831 27,835 SH   DFND 2 27,835 0 0
MODERNA INC COMMON STOCK 60770K107   7,679 50 SH   DFND 2 50 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   12,062 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   51,310 950 SH   DFND 2 950 0 0
MORGAN STANLEY COMMON STOCK 617446448   733,569 8,355 SH   DFND 2 8,355 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   12,304 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   1,480,036 4,284 SH   DFND 2 4,284 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   599,143 7,773 SH   DFND 2 7,773 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   466,400 3,803 SH   DFND 2 3,803 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   59,360 280 SH   DFND 2 280 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   37,861 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401   693 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105   5,406 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   2,910,752 10,479 SH   DFND 2 10,479 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   3,746,999 40,325 SH   DFND 2 40,325 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   5,233 62 SH   DFND 2 62 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   11,801 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   2,689 8 SH   DFND 2 8 0 0
PAYCHEX INC COMMON STOCK 704326107   2,481,332 21,654 SH   DFND 2 21,654 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   962,464 12,674 SH   DFND 2 12,674 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   45,528 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,527,309 8,378 SH   DFND 2 8,378 0 0
PFIZER INC COMMON STOCK 717081103   2,084,472 51,090 SH   DFND 2 51,090 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   491,988 5,059 SH   DFND 2 5,059 0 0
PHILLIPS 66 COMMON STOCK 718546104   14,497 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   4,688 400 SH   DFND 2 400 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,475,837 16,651 SH   DFND 2 16,651 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   28,959 350 SH   DFND 2 350 0 0
QUALCOMM INC COMMON STOCK 747525103   2,016,019 15,802 SH   DFND 2 15,802 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   190,670 1,947 SH   DFND 2 1,947 0 0
ROKU INC COMMON STOCK 77543R102   6,582 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   46,272 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103   26,426 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   37,925 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,223,551 11,130 SH   DFND 2 11,130 0 0
SERVICENOW INC COMMON STOCK 81762P102   2,788 6 SH   DFND 2 6 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   133,513 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,599 50 SH   DFND 2 50 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   3,970 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   26,969 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   27,136 390 SH   DFND 2 390 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   16,270 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,853,931 17,804 SH   DFND 2 17,804 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,817,874 9,871 SH   DFND 2 9,871 0 0
SYSCO CORP COMMON STOCK 871829107   953,945 12,352 SH   DFND 2 12,352 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   183,463 1,625 SH   DFND 2 1,625 0 0
TARGET CORP COMMON STOCK 87612E106   24,182 146 SH   DFND 2 146 0 0
TESLA INC COMMON STOCK 88160R101   127,588 615 SH   DFND 2 615 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   1,371,266 7,372 SH   DFND 2 7,372 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,905,481 5,041 SH   DFND 2 5,041 0 0
TJX COS INC COMMON STOCK 872540109   2,156,546 27,521 SH   DFND 2 27,521 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   15,890 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,618,282 9,441 SH   DFND 2 9,441 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   52,003 1,525 SH   DFND 2 1,525 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204   1,373 43 SH   DFND 2 43 0 0
UNION PAC CORP COMMON STOCK 907818108   2,406,868 11,959 SH   DFND 2 11,959 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   164,892 850 SH   DFND 2 850 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,670,134 5,650 SH   DFND 2 5,650 0 0
US BANCORP NEW COMMON STOCK 902973304   767,396 21,287 SH   DFND 2 21,287 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   961,127 24,714 SH   DFND 2 24,714 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   2,521 8 SH   DFND 2 8 0 0
VIATRIS INC COMMON STOCK 92556V106   231 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   4,281 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839   4,449,228 19,734 SH   DFND 2 19,734 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   151,831 885 SH   DFND 2 885 0 0
WABTEC CORP COMMON STOCK 929740108   15,159 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103   1,418,322 9,619 SH   DFND 2 9,619 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   166 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   76,527 469 SH   DFND 2 469 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   28,437 300 SH   DFND 2 300 0 0
WELLS FARGO & CO COMMON STOCK 949746101   189,704 5,075 SH   DFND 2 5,075 0 0
WENDY'S CO COMMON STOCK 95058W100   14,593 670 SH   DFND 2 670 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,368,991 45,847 SH   DFND 2 45,847 0 0
XYLEM INC COMMON STOCK 98419M100   7,643 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   31,695 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,546,921 11,712 SH   DFND 2 11,712 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   83,334 645 SH   DFND 2 645 0 0
3M CO COMMON STOCK 88579Y101   224,935 2,140 SH   DFND 2 2,140 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102   6,229 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   80,509 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   41,160 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   45,363 222 SH   DFND 2 222 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   15,465 1,500 SH   DFND 2 1,500 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   38,192,784 1,533,231 SH   DFND 2 1,533,231 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   60,592 212 SH   DFND 2 212 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   16,713 900 SH   DFND 2 900 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   20,800 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   26,386 154 SH   DFND 2 154 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   68,670 1,800 SH   DFND 2 1,800 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   55,940 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   994,952 10,597 SH   DFND 2 10,597 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   4,333 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   63,206 784 SH   DFND 2 784 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   209 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   14,502 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   9,558 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   23,470 478 SH   DFND 2 478 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   17,258 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903709   11,711 90 SH   DFND 2 90 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   94,882 1,584 SH   DFND 2 1,584 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   12,753 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   268,424 1,795 SH   DFND 2 1,795 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   97,123 1,300 SH   DFND 2 1,300 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   162,927 1,967 SH   DFND 2 1,967 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   464,793 14,457 SH   DFND 2 14,457 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   30,873 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   455,958 3,522 SH   DFND 2 3,522 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   277,739 2,745 SH   DFND 2 2,745 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610   26,255 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   17,057,430 53,150 SH   DFND 2 53,150 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   27,817,409 460,020 SH   DFND 2 460,020 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   39,642 593 SH   DFND 2 593 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   42,476,167 169,796 SH   DFND 2 169,796 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   38,490,565 398,041 SH   DFND 2 398,041 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   3,862 54 SH   DFND 2 54 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   213,116 3,048 SH   DFND 2 3,048 0 0
ISHARES SILVER TRUST OTHER 46428Q109   83,724 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   26,306 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,590,777 19,722 SH   DFND 2 19,722 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   4,972 133 SH   DFND 2 133 0 0
SPDR GOLD TRUST OTHER 78463V107   256,325 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   380,711 6,877 SH   DFND 2 6,877 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   381,791 9,376 SH   DFND 2 9,376 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   109,742 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   49,594 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   11,460 25 SH   DFND 2 25 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   5,548,872 13,554 SH   DFND 2 13,554 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   665,199 4,405 SH   DFND 2 4,405 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   733,286 10,833 SH   DFND 2 10,833 0 0
VANECK BIOTECH ETF OTHER 92189F726   40,523 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   40,826 1,262 SH   DFND 2 1,262 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   26,103 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858   5,010 124 SH   DFND 2 124 0 0
VANGUARD GROWTH ETF OTHER 922908736   138,689 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504   12,400 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   40,089 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629   27,084,026 128,409 SH   DFND 2 128,409 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   177,290 2,135 SH   DFND 2 2,135 0 0
VANGUARD S&P 500 ETF OTHER 922908363   81,577,104 216,920 SH   DFND 2 216,920 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   10,355,473 54,629 SH   DFND 2 54,629 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,925 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   4,113,239 41,281 SH   DFND 2 41,281 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   461,471 19,180 SH   DFND 2 19,180 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   7,277,013 288,885 SH   DFND 2 288,885 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   258,752 10,002 SH   DFND 2 10,002 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   7,128,420 289,891 SH   DFND 2 289,891 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   7,068,982 288,177 SH   DFND 2 288,177 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   261,912 10,259 SH   DFND 2 10,259 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   7,239,999 305,099 SH   DFND 2 305,099 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   6,901,488 289,735 SH   DFND 2 289,735 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   6,746,719 270,518 SH   DFND 2 270,518 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   6,750,058 295,020 SH   DFND 2 295,020 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   6,571,710 305,235 SH   DFND 2 305,235 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   6,412,466 310,680 SH   DFND 2 310,680 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   4,286,017 170,962 SH   DFND 2 170,962 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150   623,705 26,417 SH   DFND 2 26,417 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   7,967,175 344,452 SH   DFND 2 344,452 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   3,973,000 78,611 SH   DFND 2 78,611 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   10,848,215 142,309 SH   DFND 2 142,309 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,665,974 22,565 SH   DFND 2 22,565 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318   258,267 10,156 SH   DFND 2 10,156 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   260,326 9,783 SH   DFND 2 9,783 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   262,925 10,327 SH   DFND 2 10,327 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,242,889 11,536 SH   DFND 2 11,536 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,451,390 83,188 SH   DFND 2 83,188 0 0
ABBOTT LABS COMMON STOCK 002824100   121,309 1,198 SH   OTR 2 0 1,198 0
ABBVIE INC COMMON STOCK 00287Y109   285,432 1,791 SH   OTR 2 0 1,791 0
ADOBE INC COMMON STOCK 00724F101   94,416 245 SH   OTR 2 0 245 0
ALPHABET INC CL A COMMON STOCK 02079K305   620,720 5,984 SH   OTR 2 0 5,984 0
ALPHABET INC CL C COMMON STOCK 02079K107   145,080 1,395 SH   OTR 2 0 1,395 0
ALTRIA GROUP INC COMMON STOCK 02209S103   6,693 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106   262,357 2,540 SH   OTR 2 0 2,540 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   214,435 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   41,750 285 SH   OTR 2 0 285 0
AMGEN INC COMMON STOCK 031162100   60,438 250 SH   OTR 2 0 250 0
APPLE INC COMMON STOCK 037833100   1,488,717 9,028 SH   OTR 2 0 9,028 0
AT&T INC COMMON STOCK 00206R102   56,441 2,932 SH   OTR 2 0 2,932 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   695,719 3,125 SH   OTR 2 0 3,125 0
BANK OF AMERICA CORP COMMON STOCK 060505104   148,777 5,202 SH   OTR 2 0 5,202 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   64,752 1,425 SH   OTR 2 0 1,425 0
BAXTER INTL INC COMMON STOCK 071813109   77,064 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109   35,893 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   360,335 1,167 SH   OTR 2 0 1,167 0
BLACKROCK INC CL A COMMON STOCK 09247X101   163,934 245 SH   OTR 2 0 245 0
BLOCK INC CL A COMMON STOCK 852234103   12,700 185 SH   OTR 2 0 185 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   169,324 2,443 SH   OTR 2 0 2,443 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   15,100 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   218,228 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101   257,903 1,127 SH   OTR 2 0 1,127 0
CHEVRON CORPORATION COMMON STOCK 166764100   417,363 2,558 SH   OTR 2 0 2,558 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   78,674 1,505 SH   OTR 2 0 1,505 0
CLOROX COMPANY COMMON STOCK 189054109   15,824 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   121,703 1,962 SH   OTR 2 0 1,962 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   428,355 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101   11,373 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104   133,636 1,347 SH   OTR 2 0 1,347 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   163,318 723 SH   OTR 2 0 723 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   43,228 87 SH   OTR 2 0 87 0
CUMMINS INC COMMON STOCK 231021106   44,193 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100   28,981 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   53,937 214 SH   OTR 2 0 214 0
DISNEY WALT CO NEW COMMON STOCK 254687106   178,532 1,783 SH   OTR 2 0 1,783 0
DOLLAR TREE INC COMMON STOCK 256746108   25,121 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109   43,330 775 SH   OTR 2 0 775 0
DOW INC COMMON STOCK 260557103   1,809 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   31,219 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   61,162 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100   165,530 1,000 SH   OTR 2 0 1,000 0
EMBECTA CORP COMMON STOCK 29082K105   815 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   274,665 3,152 SH   OTR 2 0 3,152 0
EOG RES INC COMMON STOCK 26875P101   4,012 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   977,729 8,916 SH   OTR 2 0 8,916 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   45,642 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103   9,127 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   8,178 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   514,689 1,744 SH   OTR 2 0 1,744 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   140,473 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100   97,095 2,972 SH   OTR 2 0 2,972 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   96,260 923 SH   OTR 2 0 923 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   526,982 4,020 SH   OTR 2 0 4,020 0
INTUIT INC COMMON STOCK 461202103   361,122 810 SH   OTR 2 0 810 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   72,269 615 SH   OTR 2 0 615 0
JOHNSON & JOHNSON COMMON STOCK 478160104   979,135 6,317 SH   OTR 2 0 6,317 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   927,938 7,121 SH   OTR 2 0 7,121 0
KELLOGG CO COMMON STOCK 487836108   60,264 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,276 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108   583,814 1,700 SH   OTR 2 0 1,700 0
LOWES COS INC COMMON STOCK 548661107   171,974 860 SH   OTR 2 0 860 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   6,974 42 SH   OTR 2 0 42 0
MASCO CORP COMMON STOCK 574599106   23,368 470 SH   OTR 2 0 470 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   32,707 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   138,407 495 SH   OTR 2 0 495 0
MERCK & CO INC COMMON STOCK 58933Y105   346,193 3,254 SH   OTR 2 0 3,254 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   34,970 165 SH   OTR 2 0 165 0
METLIFE INC COMMON STOCK 59156R108   13,616 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104   1,914,024 6,639 SH   OTR 2 0 6,639 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   14,432 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448   175,600 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   81,188 235 SH   OTR 2 0 235 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   186,225 2,416 SH   OTR 2 0 2,416 0
NIKE INC-CLASS B COMMON STOCK 654106103   361,788 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   135,892 641 SH   OTR 2 0 641 0
NVIDIA CORP COMMON STOCK 67066G104   434,155 1,563 SH   OTR 2 0 1,563 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   35,273 565 SH   OTR 2 0 565 0
ORACLE CORPORATION COMMON STOCK 68389X105   571,644 6,152 SH   OTR 2 0 6,152 0
ORGANON & CO COMMON STOCK 68622V106   470 20 SH   OTR 2 0 20 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   178,000 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   17,313 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   139,227 1,215 SH   OTR 2 0 1,215 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   74,801 985 SH   OTR 2 0 985 0
PEPSICO INC COMMON STOCK 713448108   845,507 4,638 SH   OTR 2 0 4,638 0
PFIZER INC COMMON STOCK 717081103   465,324 11,405 SH   OTR 2 0 11,405 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   9,725 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104   3,244 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   754,304 5,073 SH   OTR 2 0 5,073 0
QUALCOMM INC COMMON STOCK 747525103   28,068 220 SH   OTR 2 0 220 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   70,740 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   555,165 5,669 SH   OTR 2 0 5,669 0
RUMBLE INC CL A COMMON STOCK 78137L105   10,000 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   164,219 822 SH   OTR 2 0 822 0
SOUTHERN COMPANY COMMON STOCK 842587107   41,748 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109   216,174 2,076 SH   OTR 2 0 2,076 0
STRYKER CORPORATION COMMON STOCK 863667101   368,542 1,291 SH   OTR 2 0 1,291 0
SYSCO CORP COMMON STOCK 871829107   23,169 300 SH   OTR 2 0 300 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   193,059 1,710 SH   OTR 2 0 1,710 0
TESLA INC COMMON STOCK 88160R101   45,226 218 SH   OTR 2 0 218 0
THE CIGNA GROUP COMMON STOCK 125523100   11,243 44 SH   OTR 2 0 44 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   213,257 370 SH   OTR 2 0 370 0
TJX COS INC COMMON STOCK 872540109   172,000 2,195 SH   OTR 2 0 2,195 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   20,569 120 SH   OTR 2 0 120 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,410 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108   99,624 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   132,301 682 SH   OTR 2 0 682 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   148,866 315 SH   OTR 2 0 315 0
US BANCORP NEW COMMON STOCK 902973304   109,051 3,025 SH   OTR 2 0 3,025 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   153,071 3,936 SH   OTR 2 0 3,936 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   94,521 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106   10,447 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   362,314 1,607 SH   OTR 2 0 1,607 0
WALMART INC COMMON STOCK 931142103   76,674 520 SH   OTR 2 0 520 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   5,315 352 SH   OTR 2 0 352 0
WELLS FARGO & CO COMMON STOCK 949746101   57,005 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100   53,897 1,805 SH   OTR 2 0 1,805 0
YUM! BRANDS INC COMMON STOCK 988498101   17,831 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   19,380 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   224,410 2,135 SH   OTR 2 0 2,135 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   34,738 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   540,721 21,707 SH   OTR 2 0 21,707 0
EATON CORP PLC COMMON STOCK G29183103   85,670 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G54950103   97,746 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   12,206 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   48,372 600 SH   OTR 2 0 600 0
SCHLUMBERGER LTD COMMON STOCK 806857108   11,048 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509   124,832 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   417,790 7,207 SH   OTR 2 0 7,207 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   574,234 3,840 SH   OTR 2 0 3,840 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   374,372 5,011 SH   OTR 2 0 5,011 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   240,952 2,909 SH   OTR 2 0 2,909 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   577,607 17,966 SH   OTR 2 0 17,966 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   776,760 6,000 SH   OTR 2 0 6,000 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   508,126 5,022 SH   OTR 2 0 5,022 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   77,023 240 SH   OTR 2 0 240 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   856,497 14,164 SH   OTR 2 0 14,164 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   247,658 990 SH   OTR 2 0 990 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   700,205 7,241 SH   OTR 2 0 7,241 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182   3,122 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   15,626 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   23,213 332 SH   OTR 2 0 332 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   324,415 4,022 SH   OTR 2 0 4,022 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   21,378 525 SH   OTR 2 0 525 0
SPDR S&P BIOTECH ETF OTHER 78464A870   7,621 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540   5,674 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   139,193 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,659,147 10,987 SH   OTR 2 0 10,987 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   184,591 2,727 SH   OTR 2 0 2,727 0
VANGUARD MID-CAP ETF OTHER 922908629   3,237,411 15,349 SH   OTR 2 0 15,349 0
VANGUARD REAL ESTATE ETF OTHER 922908553   195,144 2,350 SH   OTR 2 0 2,350 0
VANGUARD S&P 500 ETF OTHER 922908363   983,423 2,615 SH   OTR 2 0 2,615 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,311,187 6,917 SH   OTR 2 0 6,917 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   123,240 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   473,290 4,750 SH   OTR 2 0 4,750 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   116,327 4,618 SH   OTR 2 0 4,618 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   230,777 9,385 SH   OTR 2 0 9,385 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   183,313 7,473 SH   OTR 2 0 7,473 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   183,457 7,731 SH   OTR 2 0 7,731 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   226,933 9,527 SH   OTR 2 0 9,527 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   225,956 9,060 SH   OTR 2 0 9,060 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   188,623 8,244 SH   OTR 2 0 8,244 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   105,346 4,893 SH   OTR 2 0 4,893 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   145,162 7,033 SH   OTR 2 0 7,033 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   6,092 243 SH   OTR 2 0 243 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   120,692 5,218 SH   OTR 2 0 5,218 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   139,339 2,757 SH   OTR 2 0 2,757 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   497,172 6,522 SH   OTR 2 0 6,522 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   45,790 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100   2,025,200 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,497,825 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101   3,853,700 10,000 SH   DFND 3 10,000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   775,467 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   3,298,614 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   3,418,899 33,100 SH   DFND 3 33,100 0 0
AMGEN INC COMMON STOCK 031162100   2,465,850 10,200 SH   DFND 3 10,200 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,860,200 35,000 SH   DFND 3 35,000 0 0
APPLE INC COMMON STOCK 037833100   9,481,750 57,500 SH   DFND 3 57,500 0 0
AT&T INC COMMON STOCK 00206R102   500,500 26,000 SH   DFND 3 26,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,987,700 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,948,754 9,550 SH   DFND 3 9,550 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,241,552 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   653,888 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,441,692 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,076,856 6,600 SH   DFND 3 6,600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,607,456 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,577,562 3,175 SH   DFND 3 3,175 0 0
DANAHER CORP COMMON STOCK 235851102   1,260,200 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   1,296,684 12,950 SH   DFND 3 12,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108   1,205,820 8,400 SH   DFND 3 8,400 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   447,280 8,000 SH   DFND 3 8,000 0 0
DOMINOS PIZZA INC COMMON STOCK 25754A201   1,253,506 3,800 SH   DFND 3 3,800 0 0
ECOLAB INC COMMON STOCK 278865100   645,567 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   899,212 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   850,486 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   2,715,104 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,911,200 10,000 SH   DFND 3 10,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,748,042 26,350 SH   DFND 3 26,350 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,557,500 16,500 SH   DFND 3 16,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,827,727 21,700 SH   DFND 3 21,700 0 0
MASCO CORP COMMON STOCK 574599106   1,640,760 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   726,986 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,165,670 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   8,649,000 30,000 SH   DFND 3 30,000 0 0
MORGAN STANLEY COMMON STOCK 617446448   992,140 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,036,440 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   423,940 5,500 SH   DFND 3 5,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   1,805,505 6,500 SH   DFND 3 6,500 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,765,480 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108   2,406,360 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103   1,815,600 44,500 SH   DFND 3 44,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,289,826 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103   1,754,225 13,750 SH   DFND 3 13,750 0 0
SALESFORCE INC COMMON STOCK 79466L302   3,875,732 19,400 SH   DFND 3 19,400 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   618,118 2,750 SH   DFND 3 2,750 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   636,657 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,855,555 6,500 SH   DFND 3 6,500 0 0
SYSCO CORP COMMON STOCK 871829107   1,351,525 17,500 SH   DFND 3 17,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   3,357,355 5,825 SH   DFND 3 5,825 0 0
TJX COS INC COMMON STOCK 872540109   1,806,198 23,050 SH   DFND 3 23,050 0 0
UNION PAC CORP COMMON STOCK 907818108   1,066,678 5,300 SH   DFND 3 5,300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   2,211,486 11,400 SH   DFND 3 11,400 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,882,799 6,100 SH   DFND 3 6,100 0 0
VISA INC CL A COMMON STOCK 92826C839   4,086,463 18,125 SH   DFND 3 18,125 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   188,716 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   2,285,475 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   2,937,060 18,000 SH   DFND 3 18,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,027,184 34,400 SH   DFND 3 34,400 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109   188,385 1,500 SH   DFND 3 1,500 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   480,199 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,081,410 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   574,066 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   187,780 2,000 SH   DFND 3 2,000 0 0
ABBOTT LABS COMMON STOCK 002824100   20,252 200 SH   OTR   0 200 0
ABBVIE INC COMMON STOCK 00287Y109   31,874 200 SH   OTR   0 200 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   49,485 300 SH   OTR   0 300 0
AMGEN INC COMMON STOCK 031162100   36,263 150 SH   OTR   0 150 0
ANALOG DEVICES INC COMMON STOCK 032654105   34,514 175 SH   OTR   0 175 0
APPLE INC COMMON STOCK 037833100   69,258 420 SH   OTR   0 420 0
AT&T INC COMMON STOCK 00206R102   5,775 300 SH   OTR   0 300 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   17,328 250 SH   OTR   0 250 0
CHEVRON CORPORATION COMMON STOCK 166764100   31,000 190 SH   OTR   0 190 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   20,910 400 SH   OTR   0 400 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   15,030 200 SH   OTR   0 200 0
DANAHER CORP COMMON STOCK 235851102   25,456 101 SH   OTR   0 101 0
DISNEY WALT CO NEW COMMON STOCK 254687106   20,026 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109   11,182 200 SH   OTR   0 200 0
DOW INC COMMON STOCK 260557103   3,618 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   4,737 66 SH   OTR   0 66 0
EXXON MOBIL CORP COMMON STOCK 30231G102   24,125 220 SH   OTR   0 220 0
GENERAL MLS INC COMMON STOCK 370334104   8,546 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102   29,512 100 SH   OTR   0 100 0
INTEL CORP COMMON STOCK 458140100   13,068 400 SH   OTR   0 400 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   13,109 100 SH   OTR   0 100 0
JOHNSON & JOHNSON COMMON STOCK 478160104   23,250 150 SH   OTR   0 150 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   295 20 SH   OTR   0 20 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   7,970 48 SH   OTR   0 48 0
MCDONALDS CORP COMMON STOCK 580135101   27,961 100 SH   OTR   0 100 0
MICROSOFT CORP COMMON STOCK 594918104   115,320 400 SH   OTR   0 400 0
ORACLE CORPORATION COMMON STOCK 68389X105   27,876 300 SH   OTR   0 300 0
PEPSICO INC COMMON STOCK 713448108   27,345 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   22,304 150 SH   OTR   0 150 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   28,225 250 SH   OTR   0 250 0
TJX COS INC COMMON STOCK 872540109   31,344 400 SH   OTR   0 400 0
VISA INC CL A COMMON STOCK 92826C839   15,782 70 SH   OTR   0 70 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   1,087 72 SH   OTR   0 72 0
WELLS FARGO & CO COMMON STOCK 949746101   22,428 600 SH   OTR   0 600 0
VANGUARD MID-CAP ETF OTHER 922908629   93,438 443 SH   OTR   0 443 0
VANGUARD SMALL-CAP ETF OTHER 922908751   29,950 158 SH   OTR   0 158 0
ABBOTT LABS COMMON STOCK 002824100   90,729 896 SH   SOLE   896 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   49,985 584 SH   SOLE   584 0 0
ADOBE INC COMMON STOCK 00724F101   144,128 374 SH   SOLE   374 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   197,502 1,904 SH   SOLE   1,904 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   83,720 805 SH   SOLE   805 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   20,079 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106   220,731 2,137 SH   SOLE   2,137 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   9,897 60 SH   SOLE   60 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   41,457 283 SH   SOLE   283 0 0
AMGEN INC COMMON STOCK 031162100   25,142 104 SH   SOLE   104 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   27,611 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100   1,166,503 7,074 SH   SOLE   7,074 0 0
AT&T INC COMMON STOCK 00206R102   66,952 3,478 SH   SOLE   3,478 0 0
AUTODESK INC COMMON STOCK 052769106   20,816 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   72,577 326 SH   SOLE   326 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   67,639 2,365 SH   SOLE   2,365 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   138,947 450 SH   SOLE   450 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   112,412 168 SH   SOLE   168 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   7,957 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   137,996 1,991 SH   SOLE   1,991 0 0
CATERPILLAR INC COMMON STOCK 149123101   75,517 330 SH   SOLE   330 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   44,380 272 SH   SOLE   272 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   140,306 2,684 SH   SOLE   2,684 0 0
CLOROX COMPANY COMMON STOCK 189054109   11,868 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100   124,990 2,015 SH   SOLE   2,015 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   15,030 200 SH   SOLE   200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   60,022 605 SH   SOLE   605 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   56,473 250 SH   SOLE   250 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   125,211 252 SH   SOLE   252 0 0
CUMMINS INC COMMON STOCK 231021106   62,109 260 SH   SOLE   260 0 0
DANAHER CORP COMMON STOCK 235851102   90,230 358 SH   SOLE   358 0 0
DEERE & CO COMMON STOCK 244199105   30,966 75 SH   SOLE   75 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   1,327 33 SH   SOLE   33 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   134,575 1,344 SH   SOLE   1,344 0 0
DOLLAR TREE INC COMMON STOCK 256746108   76,082 530 SH   SOLE   530 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   16,382 293 SH   SOLE   293 0 0
DOW INC COMMON STOCK 260557103   2,467 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,230 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   22,434 266 SH   SOLE   266 0 0
ECOLAB INC COMMON STOCK 278865100   4,966 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   20,691 45 SH   SOLE   45 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   148,151 1,351 SH   SOLE   1,351 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   20,564 90 SH   SOLE   90 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   18,457 225 SH   SOLE   225 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   92,425 405 SH   SOLE   405 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   64,530 675 SH   SOLE   675 0 0
GENERAL MLS INC COMMON STOCK 370334104   25,638 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   29,440 90 SH   SOLE   90 0 0
HOME DEPOT INC COMMON STOCK 437076102   186,221 631 SH   SOLE   631 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   132,446 693 SH   SOLE   693 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   26,293 108 SH   SOLE   108 0 0
INTEL CORP COMMON STOCK 458140100   21,824 668 SH   SOLE   668 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   115,449 1,107 SH   SOLE   1,107 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   3,035 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   22,679 173 SH   SOLE   173 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   4,700 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   168,020 1,084 SH   SOLE   1,084 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   182,564 1,401 SH   SOLE   1,401 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,711 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   876 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,934 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107   55,792 279 SH   SOLE   279 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   12,453 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106   54,642 1,099 SH   SOLE   1,099 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   114,111 314 SH   SOLE   314 0 0
MCDONALDS CORP COMMON STOCK 580135101   109,328 391 SH   SOLE   391 0 0
MERCK & CO INC COMMON STOCK 58933Y105   75,005 705 SH   SOLE   705 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   48,322 228 SH   SOLE   228 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   28,066 335 SH   SOLE   335 0 0
MICROSOFT CORP COMMON STOCK 594918104   426,107 1,478 SH   SOLE   1,478 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   20,916 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448   8,780 100 SH   SOLE   100 0 0
NASDAQ INC COMMON STOCK 631103108   13,668 250 SH   SOLE   250 0 0
NETFLIX INC COMMON STOCK 64110L106   100,535 291 SH   SOLE   291 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   27,749 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   33,603 274 SH   SOLE   274 0 0
NVIDIA CORP COMMON STOCK 67066G104   174,162 627 SH   SOLE   627 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   187,327 2,016 SH   SOLE   2,016 0 0
PAYCHEX INC COMMON STOCK 704326107   116,996 1,021 SH   SOLE   1,021 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   53,917 710 SH   SOLE   710 0 0
PEPSICO INC COMMON STOCK 713448108   28,257 155 SH   SOLE   155 0 0
PFIZER INC COMMON STOCK 717081103   123,053 3,016 SH   SOLE   3,016 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   120,885 813 SH   SOLE   813 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   10,343 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   106,784 837 SH   SOLE   837 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   23,993 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   178,404 893 SH   SOLE   893 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   3,254 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109   80,076 769 SH   SOLE   769 0 0
STRYKER CORPORATION COMMON STOCK 863667101   184,985 648 SH   SOLE   648 0 0
SYSCO CORP COMMON STOCK 871829107   39,542 512 SH   SOLE   512 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   10,387 92 SH   SOLE   92 0 0
TESLA INC COMMON STOCK 88160R101   10,373 50 SH   SOLE   50 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   9,301 50 SH   SOLE   50 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   129,107 224 SH   SOLE   224 0 0
TJX COS INC COMMON STOCK 872540109   86,431 1,103 SH   SOLE   1,103 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   64,793 378 SH   SOLE   378 0 0
UNION PAC CORP COMMON STOCK 907818108   123,574 614 SH   SOLE   614 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   11,833 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   112,004 237 SH   SOLE   237 0 0
US BANCORP NEW COMMON STOCK 902973304   49,965 1,386 SH   SOLE   1,386 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   68,796 1,769 SH   SOLE   1,769 0 0
VISA INC CL A COMMON STOCK 92826C839   225,235 999 SH   SOLE   999 0 0
VMWARE INC CL A COMMON STOCK 928563402   1,748 14 SH   SOLE   14 0 0
WALMART INC COMMON STOCK 931142103   53,229 361 SH   SOLE   361 0 0
WELLS FARGO & CO COMMON STOCK 949746101   2,804 75 SH   SOLE   75 0 0
WILLIAMS COS INC COMMON STOCK 969457100   85,011 2,847 SH   SOLE   2,847 0 0
YUM! BRANDS INC COMMON STOCK 988498101   63,927 484 SH   SOLE   484 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   199 18 SH   SOLE   18 0 0
CROWN CASTLE INC REIT COMMON STOCK 22822V101   10,038 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   543,113 21,803 SH   SOLE   21,803 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   15,720 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   42,532 453 SH   SOLE   453 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   30,688 625 SH   SOLE   625 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   40,579 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   74,770 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   35,114 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   28,494 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   103,568 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   66,779 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   1,752,599 5,461 SH   SOLE   5,461 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,816,640 30,042 SH   SOLE   30,042 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   3,538,013 14,143 SH   SOLE   14,143 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   3,411,383 35,278 SH   SOLE   35,278 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   7,399 18 SH   SOLE   18 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   128,024 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   70,290 394 SH   SOLE   394 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   107,842 1,337 SH   SOLE   1,337 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   55,063 1,555 SH   SOLE   1,555 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,048 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   114,220 279 SH   SOLE   279 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   151,010 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   61,192 904 SH   SOLE   904 0 0
VANGUARD MID-CAP ETF OTHER 922908629   1,111,548 5,270 SH   SOLE   5,270 0 0
VANGUARD S&P 500 ETF OTHER 922908363   8,437,883 22,437 SH   SOLE   22,437 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   428,974 2,263 SH   SOLE   2,263 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,883 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   27,401 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   772,678 30,674 SH   SOLE   30,674 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   787,765 32,036 SH   SOLE   32,036 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   803,112 32,740 SH   SOLE   32,740 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   815,980 34,386 SH   SOLE   34,386 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   864,785 36,305 SH   SOLE   36,305 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   864,720 34,672 SH   SOLE   34,672 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   819,104 35,800 SH   SOLE   35,800 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   691,565 32,121 SH   SOLE   32,121 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   742,032 35,951 SH   SOLE   35,951 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   495,383 19,760 SH   SOLE   19,760 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   901,122 38,959 SH   SOLE   38,959 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   28,302 560 SH   SOLE   560 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   9,361 88 SH   SOLE   88 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   377,720 4,955 SH   SOLE   4,955 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   18,088 245 SH   SOLE   245 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   50,888 951 SH   SOLE   951 0 0