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
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   11,880,348 579,812 SH   DFND 2 579,812 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   11,770,278 550,013 SH   DFND 2 550,013 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   11,636,945 509,945 SH   DFND 2 509,945 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   11,239,479 472,247 SH   DFND 2 472,247 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   11,481,891 481,421 SH   DFND 2 481,421 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   12,147,348 489,615 SH   DFND 2 489,615 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   11,448,754 459,697 SH   DFND 2 459,697 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   11,382,505 458,787 SH   DFND 2 458,787 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   11,169,344 445,882 SH   DFND 2 445,882 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   45,110,842 900,416 SH   DFND 2 900,416 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   52,285,539 860,809 SH   DFND 2 860,809 0 0
VANGUARD S&P 500 ETF OTHER 922908363   88,222,871 183,530 SH   DFND 2 183,530 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   52,380,070 473,942 SH   DFND 2 473,942 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   38,934,793 87,689 SH   DFND 2 87,689 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   27,728,785 413,061 SH   DFND 2 413,061 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   19,734,515 846,430 SH   DFND 2 846,430 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   10,346,538 442,538 SH   DFND 2 442,538 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   10,198,625 400,260 SH   DFND 2 400,260 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   21,631,874 205,959 SH   DFND 2 205,959 0 0
ABBOTT LABS COMMON STOCK 002824100   2,240,239 19,710 SH   DFND 2 19,710 0 0
ABBVIE INC COMMON STOCK 00287Y109   867,889 4,766 SH   DFND 2 4,766 0 0
ADOBE INC COMMON STOCK 00724F101   2,736,446 5,423 SH   DFND 2 5,423 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   60,325 249 SH   DFND 2 249 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   7,873,414 52,166 SH   DFND 2 52,166 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,737,439 11,411 SH   DFND 2 11,411 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   231,186 5,300 SH   DFND 2 5,300 0 0
AMAZON.COM INC COMMON STOCK 023135106   6,568,357 36,414 SH   DFND 2 36,414 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   65,867 765 SH   DFND 2 765 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   404,150 1,775 SH   DFND 2 1,775 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   15,634 200 SH   DFND 2 200 0 0
AMERICAN SUPERCONDUCTOR CORP COMMON STOCK 030111207   4,661 345 SH   DFND 2 345 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   723,117 5,917 SH   DFND 2 5,917 0 0
AMGEN INC COMMON STOCK 031162100   1,264,371 4,447 SH   DFND 2 4,447 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,815,117 24,405 SH   DFND 2 24,405 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   11,867 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   10,608,953 61,867 SH   DFND 2 61,867 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   405,242 1,965 SH   DFND 2 1,965 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   15,703 250 SH   DFND 2 250 0 0
ASHLAND INC COMMON STOCK 044186104   16,066 165 SH   DFND 2 165 0 0
AT&T INC COMMON STOCK 00206R102   181,333 10,303 SH   DFND 2 10,303 0 0
AUTODESK INC COMMON STOCK 052769106   20,834 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   162,081 649 SH   DFND 2 649 0 0
BADGER METER INC COMMON STOCK 056525108   16,181 100 SH   DFND 2 100 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,236,597 58,982 SH   DFND 2 58,982 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   40,334 700 SH   DFND 2 700 0 0
BECTON DICKINSON COMMON STOCK 075887109   47,016 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,520,593 8,372 SH   DFND 2 8,372 0 0
BEST BUY CO INC COMMON STOCK 086516101   4,019 49 SH   DFND 2 49 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,640,328 3,167 SH   DFND 2 3,167 0 0
BLACKSTONE INC COMMON STOCK 09260D107   39,411 300 SH   DFND 2 300 0 0
BOEING CO COMMON STOCK 097023105   30,878 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   105,209 29 SH   DFND 2 29 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   2,026,141 37,362 SH   DFND 2 37,362 0 0
BROADCOM INC COMMON STOCK 11135F101   156,398 118 SH   DFND 2 118 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   2,978 20 SH   DFND 2 20 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   11,190 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   39,238 675 SH   DFND 2 675 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,545,589 6,947 SH   DFND 2 6,947 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   45,213 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   872 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,030,989 6,536 SH   DFND 2 6,536 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,417,291 48,433 SH   DFND 2 48,433 0 0
CLOROX COMPANY COMMON STOCK 189054109   76,096 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   48,440 225 SH   DFND 2 225 0 0
CMS ENERGY CORP COMMON STOCK 125896100   7,301 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100   1,669,847 27,294 SH   DFND 2 27,294 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   223,864 2,486 SH   DFND 2 2,486 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   114,011 2,630 SH   DFND 2 2,630 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,617,347 12,707 SH   DFND 2 12,707 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   94,352 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   216,593 797 SH   DFND 2 797 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   6,100 33 SH   DFND 2 33 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,734,908 3,733 SH   DFND 2 3,733 0 0
CSX CORP COMMON STOCK 126408103   9,342 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,533,359 5,204 SH   DFND 2 5,204 0 0
CVS HEALTH CORP COMMON STOCK 126650100   9,651 121 SH   DFND 2 121 0 0
DANAHER CORP COMMON STOCK 235851102   1,813,467 7,262 SH   DFND 2 7,262 0 0
DEERE & CO COMMON STOCK 244199105   117,061 285 SH   DFND 2 285 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   5,018 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,851,600 23,305 SH   DFND 2 23,305 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   19,039 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   1,429,898 10,739 SH   DFND 2 10,739 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   747,737 15,201 SH   DFND 2 15,201 0 0
DOW INC COMMON STOCK 260557103   47,966 828 SH   DFND 2 828 0 0
DTE ENERGY CO COMMON STOCK 233331107   3,925 35 SH   DFND 2 35 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   107,445 1,111 SH   DFND 2 1,111 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   63,099 823 SH   DFND 2 823 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   756,561 7,549 SH   DFND 2 7,549 0 0
EBAY INC COMMON STOCK 278642103   21,112 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   490,893 2,126 SH   DFND 2 2,126 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   24,756 350 SH   DFND 2 350 0 0
EMERSON ELEC CO COMMON STOCK 291011104   173,192 1,527 SH   DFND 2 1,527 0 0
EOG RES INC COMMON STOCK 26875P101   18,537 145 SH   DFND 2 145 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   40,088 1,082 SH   DFND 2 1,082 0 0
EVANS BANCORP INC COMMON STOCK 29911Q208   8,958 300 SH   DFND 2 300 0 0
EXELON CORP COMMON STOCK 30161N101   3,757 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   3,055,485 26,286 SH   DFND 2 26,286 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   18,630 41 SH   DFND 2 41 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   179,639 620 SH   DFND 2 620 0 0
FIRST SOLAR INC COMMON STOCK 336433107   3,376 20 SH   DFND 2 20 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   30,935 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   367,586 2,300 SH   DFND 2 2,300 0 0
FLUSHING FINANCIAL CORP COMMON STOCK 343873105   12,610 1,000 SH   DFND 2 1,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   139,440 10,500 SH   DFND 2 10,500 0 0
FORTREA HLDGS INC COMMON STOCK 34965K107   4,415 110 SH   DFND 2 110 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   57,001 627 SH   DFND 2 627 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,666,973 5,901 SH   DFND 2 5,901 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   469,718 2,676 SH   DFND 2 2,676 0 0
GENERAL MLS INC COMMON STOCK 370334104   180,103 2,574 SH   DFND 2 2,574 0 0
GENUINE PARTS CO COMMON STOCK 372460105   32,535 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   76,766 1,048 SH   DFND 2 1,048 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   130,319 312 SH   DFND 2 312 0 0
GRAINGER W W INC COMMON STOCK 384802104   64,090 63 SH   DFND 2 63 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330301   6 11 SH   DFND 2 11 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   8,748 200 SH   DFND 2 200 0 0
HOME DEPOT INC COMMON STOCK 437076102   4,068,845 10,607 SH   DFND 2 10,607 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,228,810 10,859 SH   DFND 2 10,859 0 0
IDACORP INC COMMON STOCK 451107106   21,550 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   118,065 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,258,182 13,251 SH   DFND 2 13,251 0 0
INTEL CORP COMMON STOCK 458140100   427,256 9,673 SH   DFND 2 9,673 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,571,865 18,714 SH   DFND 2 18,714 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   38,781 451 SH   DFND 2 451 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   273,837 1,434 SH   DFND 2 1,434 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   20,848 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   68,410 445 SH   DFND 2 445 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,552,712 16,137 SH   DFND 2 16,137 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   4,114,763 20,543 SH   DFND 2 20,543 0 0
KELLANOVA COMMON STOCK 487836108   5,729 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   16,711 1,057 SH   DFND 2 1,057 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   27,422 212 SH   DFND 2 212 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   12,162 150 SH   DFND 2 150 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   24,031 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   2,617,835 3,365 SH   DFND 2 3,365 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   160,114 352 SH   DFND 2 352 0 0
LOWES COS INC COMMON STOCK 548661107   1,058,913 4,157 SH   DFND 2 4,157 0 0
MANITOWOC CO INC COMMON STOCK 563571405   2,828 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   2,523 10 SH   DFND 2 10 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   991,966 13,995 SH   DFND 2 13,995 0 0
MASCO CORP COMMON STOCK 574599106   1,765,098 22,377 SH   DFND 2 22,377 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,636,856 3,399 SH   DFND 2 3,399 0 0
MATSON INC COMMON STOCK 57686G105   11,240 100 SH   DFND 2 100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   86,872 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,242,912 7,955 SH   DFND 2 7,955 0 0
MERCK & CO INC COMMON STOCK 58933Y105   605,123 4,586 SH   DFND 2 4,586 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   3,397,118 6,996 SH   DFND 2 6,996 0 0
METLIFE INC COMMON STOCK 59156R108   26,754 361 SH   DFND 2 361 0 0
MICROSOFT CORP COMMON STOCK 594918104   12,519,365 29,757 SH   DFND 2 29,757 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   25,550 365 SH   DFND 2 365 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   26,676 450 SH   DFND 2 450 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,338,955 14,220 SH   DFND 2 14,220 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   13,388 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   1,943,456 3,200 SH   DFND 2 3,200 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   436,697 6,833 SH   DFND 2 6,833 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   75,372 802 SH   DFND 2 802 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   73,912 290 SH   DFND 2 290 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   39,250 82 SH   DFND 2 82 0 0
NUCOR CORP COMMON STOCK 670346105   6,927 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   9,031,082 9,995 SH   DFND 2 9,995 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   1,625 25 SH   DFND 2 25 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   4,169,875 33,197 SH   DFND 2 33,197 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   16,131 85 SH   DFND 2 85 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   733,340 2,581 SH   DFND 2 2,581 0 0
PAYCHEX INC COMMON STOCK 704326107   448,466 3,652 SH   DFND 2 3,652 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   215,842 3,222 SH   DFND 2 3,222 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   27,952 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,394,830 7,970 SH   DFND 2 7,970 0 0
PFIZER INC COMMON STOCK 717081103   302,087 10,886 SH   DFND 2 10,886 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   322,594 3,521 SH   DFND 2 3,521 0 0
PHILLIPS 66 COMMON STOCK 718546104   23,358 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   2,408 700 SH   DFND 2 700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,675,827 16,492 SH   DFND 2 16,492 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   38,742 330 SH   DFND 2 330 0 0
QUALCOMM INC COMMON STOCK 747525103   453,216 2,677 SH   DFND 2 2,677 0 0
ROKU INC COMMON STOCK 77543R102   6,517 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   48,793 87 SH   DFND 2 87 0 0
ROSS STORES INC COMMON STOCK 778296103   36,543 249 SH   DFND 2 249 0 0
RTX CORPORATION COMMON STOCK 75513E101   205,983 2,112 SH   DFND 2 2,112 0 0
RYDER SYSTEM INC COMMON STOCK 783549108   12,019 100 SH   DFND 2 100 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   46,800 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   4,009,308 13,312 SH   DFND 2 13,312 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   192,768 555 SH   DFND 2 555 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,321 34 SH   DFND 2 34 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   3,880 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   34,889 390 SH   DFND 2 390 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   709,586 4,391 SH   DFND 2 4,391 0 0
SOLAREDGE TECHNOLOGIES INC COMMON STOCK 83417M104   1,065 15 SH   DFND 2 15 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   39,457 550 SH   DFND 2 550 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   8,027 275 SH   DFND 2 275 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,401,923 15,340 SH   DFND 2 15,340 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,727,327 7,621 SH   DFND 2 7,621 0 0
SYSCO CORP COMMON STOCK 871829107   943,149 11,618 SH   DFND 2 11,618 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   185,318 1,520 SH   DFND 2 1,520 0 0
T-MOBILE US INC COMMON STOCK 872590104   1,361,418 8,341 SH   DFND 2 8,341 0 0
TARGET CORP COMMON STOCK 87612E106   15,240 86 SH   DFND 2 86 0 0
TERADYNE INC COMMON STOCK 880770102   1,069,854 9,482 SH   DFND 2 9,482 0 0
TESLA INC COMMON STOCK 88160R101   795,977 4,528 SH   DFND 2 4,528 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   693,356 3,980 SH   DFND 2 3,980 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   9,725 50 SH   DFND 2 50 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,706,114 4,656 SH   DFND 2 4,656 0 0
TJX COS INC COMMON STOCK 872540109   2,124,242 20,945 SH   DFND 2 20,945 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   27,157 540 SH   DFND 2 540 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,948,826 8,468 SH   DFND 2 8,468 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   54,572 1,400 SH   DFND 2 1,400 0 0
TRUMP MEDIA & TECHNOLOGY GROUP COMMON STOCK 25400Q105   4,337 70 SH   DFND 2 70 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204   1,211 43 SH   DFND 2 43 0 0
UNION PAC CORP COMMON STOCK 907818108   1,930,796 7,851 SH   DFND 2 7,851 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   126,336 850 SH   DFND 2 850 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,215,761 4,479 SH   DFND 2 4,479 0 0
US BANCORP NEW COMMON STOCK 902973304   202,625 4,533 SH   DFND 2 4,533 0 0
VERALTO CORPORATION COMMON STOCK 92338C103   5,142 58 SH   DFND 2 58 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   284,447 6,779 SH   DFND 2 6,779 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,028,305 2,460 SH   DFND 2 2,460 0 0
VIATRIS INC COMMON STOCK 92556V106   287 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   1,564 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839   3,446,917 12,351 SH   DFND 2 12,351 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   203,325 745 SH   DFND 2 745 0 0
WABTEC CORP COMMON STOCK 929740108   21,852 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103   1,835,185 30,500 SH   DFND 2 30,500 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   96 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   63,732 299 SH   DFND 2 299 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   20,530 250 SH   DFND 2 250 0 0
WELLS FARGO & CO COMMON STOCK 949746101   294,147 5,075 SH   DFND 2 5,075 0 0
WENDY'S CO COMMON STOCK 95058W100   12,623 670 SH   DFND 2 670 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,747,921 44,853 SH   DFND 2 44,853 0 0
WK KELLOGG CO COMMON STOCK 92942W107   470 25 SH   DFND 2 25 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   19,895 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,610,697 11,617 SH   DFND 2 11,617 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   75,229 570 SH   DFND 2 570 0 0
ZSCALER INC COMMON STOCK 98980G102   3,853 20 SH   DFND 2 20 0 0
3M CO COMMON STOCK 88579Y101   207,367 1,955 SH   DFND 2 1,955 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   79,957 2,122 SH   DFND 2 2,122 0 0
COMPASS PATHWAYS LTD SPONS ADR COMMON STOCK 20451W101   832 100 SH   DFND 2 100 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205   2,568 20 SH   DFND 2 20 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   38,244 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   36,949 187 SH   DFND 2 187 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   13,530 1,500 SH   DFND 2 1,500 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,950 110 SH   DFND 2 110 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   44,651,568 1,784,635 SH   DFND 2 1,784,635 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   76,254 220 SH   DFND 2 220 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   19,968 1,200 SH   DFND 2 1,200 0 0
BIRKENSTOCK HOLDING PLC COMMON STOCK M2029K104   4,725 100 SH   DFND 2 100 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   26,242 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   43,775 140 SH   DFND 2 140 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   65,124 1,800 SH   DFND 2 1,800 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   40,385 775 SH   DFND 2 775 0 0
LITHIUM AMERICAS ARGENTINA C COMMON STOCK 53681K100   539 100 SH   DFND 2 100 0 0
LITHIUM AMERICAS CORP COMMON STOCK 53681J103   672 100 SH   DFND 2 100 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   864,471 8,452 SH   DFND 2 8,452 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   5,898 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   64,840 744 SH   DFND 2 744 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   620 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   17,161 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   10,088 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   21,047 384 SH   DFND 2 384 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   27,781 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903808   13,401 86 SH   DFND 2 86 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   35,262 584 SH   DFND 2 584 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   17,965 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   325,485 1,770 SH   DFND 2 1,770 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   97,054 1,271 SH   DFND 2 1,271 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   188,914 2,001 SH   DFND 2 2,001 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   607,960 14,434 SH   DFND 2 14,434 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   34,125 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   498,589 3,375 SH   DFND 2 3,375 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   339,714 2,697 SH   DFND 2 2,697 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   33,919 457 SH   DFND 2 457 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   6,834 13 SH   DFND 2 13 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   240,750 2,863 SH   DFND 2 2,863 0 0
ISHARES SILVER TRUST OTHER 46428Q109   86,109 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   31,884 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,161,868 12,508 SH   DFND 2 12,508 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   2,925 74 SH   DFND 2 74 0 0
SPDR GOLD TRUST OTHER 78463V107   287,802 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   354,192 4,842 SH   DFND 2 4,842 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   136,642 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   65,608 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   13,910 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   2,157 50 SH   DFND 2 50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   6,464,099 12,358 SH   DFND 2 12,358 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,076,548 5,169 SH   DFND 2 5,169 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   787,997 12,003 SH   DFND 2 12,003 0 0
VANECK BIOTECH ETF OTHER 92189F726   41,583 250 SH   DFND 2 250 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   37,538 1,750 SH   DFND 2 1,750 0 0
VANGUARD GROWTH ETF OTHER 922908736   191,375 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504   10,821 40 SH   DFND 2 40 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   35,655 68 SH   DFND 2 68 0 0
VANGUARD MID-CAP ETF OTHER 922908629   28,603,973 114,480 SH   DFND 2 114,480 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   429,373 4,965 SH   DFND 2 4,965 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   13,872,213 60,686 SH   DFND 2 60,686 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,362 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   6,203,813 63,343 SH   DFND 2 63,343 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   534,398 21,830 SH   DFND 2 21,830 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   238,896 9,206 SH   DFND 2 9,206 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   239,583 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2028 TERM M OTHER 46435U325   238,751 9,448 SH   DFND 2 9,448 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   1,448,968 28,256 SH   DFND 2 28,256 0 0
ISHARES 20Plus YEAR TREASURY BOND OTHER 464287432   75,696 800 SH   DFND 2 800 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   7,077,576 91,548 SH   DFND 2 91,548 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,041,950 14,346 SH   DFND 2 14,346 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   238,299 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   239,543 9,517 SH   DFND 2 9,517 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,322,512 12,291 SH   DFND 2 12,291 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,494,965 83,534 SH   DFND 2 83,534 0 0
ABBOTT LABS COMMON STOCK 002824100   55,352 487 SH   OTR 2 0 487 0
ABBVIE INC COMMON STOCK 00287Y109   236,730 1,300 SH   OTR 2 0 1,300 0
ADOBE INC COMMON STOCK 00724F101   113,535 225 SH   OTR 2 0 225 0
ALPHABET INC CL A COMMON STOCK 02079K305   833,737 5,524 SH   OTR 2 0 5,524 0
ALPHABET INC CL C COMMON STOCK 02079K107   166,725 1,095 SH   OTR 2 0 1,095 0
AMAZON.COM INC COMMON STOCK 023135106   427,501 2,370 SH   OTR 2 0 2,370 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   227,690 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   34,097 279 SH   OTR 2 0 279 0
AMGEN INC COMMON STOCK 031162100   71,080 250 SH   OTR 2 0 250 0
AMPHENOL CORP CL A COMMON STOCK 032095101   62,058 538 SH   OTR 2 0 538 0
APPLE INC COMMON STOCK 037833100   1,177,382 6,866 SH   OTR 2 0 6,866 0
AT&T INC COMMON STOCK 00206R102   22,405 1,273 SH   OTR 2 0 1,273 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   652,071 2,611 SH   OTR 2 0 2,611 0
BANK OF AMERICA CORP COMMON STOCK 060505104   155,472 4,100 SH   OTR 2 0 4,100 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   34,572 600 SH   OTR 2 0 600 0
BAXTER INTL INC COMMON STOCK 071813109   71,590 1,675 SH   OTR 2 0 1,675 0
BECTON DICKINSON COMMON STOCK 075887109   35,880 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   414,212 985 SH   OTR 2 0 985 0
BLACKROCK INC CL A COMMON STOCK 09247X101   165,906 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   102,603 1,892 SH   OTR 2 0 1,892 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   22,380 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   275,246 4,735 SH   OTR 2 0 4,735 0
CATERPILLAR INC COMMON STOCK 149123101   380,721 1,039 SH   OTR 2 0 1,039 0
CHEVRON CORPORATION COMMON STOCK 166764100   307,435 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   68,477 1,372 SH   OTR 2 0 1,372 0
CLOROX COMPANY COMMON STOCK 189054109   15,311 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   103,761 1,696 SH   OTR 2 0 1,696 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   500,408 5,557 SH   OTR 2 0 5,557 0
CONOCOPHILLIPS COMMON STOCK 20825C104   153,500 1,206 SH   OTR 2 0 1,206 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   162,784 599 SH   OTR 2 0 599 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   40,295 55 SH   OTR 2 0 55 0
CUMMINS INC COMMON STOCK 231021106   46,260 157 SH   OTR 2 0 157 0
CVS HEALTH CORP COMMON STOCK 126650100   31,106 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   32,214 129 SH   OTR 2 0 129 0
DISNEY WALT CO NEW COMMON STOCK 254687106   153,439 1,254 SH   OTR 2 0 1,254 0
DOLLAR TREE INC COMMON STOCK 256746108   7,323 55 SH   OTR 2 0 55 0
DOMINION ENERGY INC COMMON STOCK 25746U109   25,333 515 SH   OTR 2 0 515 0
DOW INC COMMON STOCK 260557103   1,912 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   31,960 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   40,328 417 SH   OTR 2 0 417 0
ECOLAB INC COMMON STOCK 278865100   207,810 900 SH   OTR 2 0 900 0
EMBECTA CORP COMMON STOCK 29082K105   385 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   297,160 2,620 SH   OTR 2 0 2,620 0
EOG RES INC COMMON STOCK 26875P101   4,474 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   898,070 7,726 SH   OTR 2 0 7,726 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   28,249 100 SH   OTR 2 0 100 0
GILEAD SCIENCES INC COMMON STOCK 375558103   8,058 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   10,442 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   550,850 1,436 SH   OTR 2 0 1,436 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   142,033 692 SH   OTR 2 0 692 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   61,148 644 SH   OTR 2 0 644 0
INTEL CORP COMMON STOCK 458140100   112,192 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   100,461 731 SH   OTR 2 0 731 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   758,684 3,973 SH   OTR 2 0 3,973 0
INTUIT INC COMMON STOCK 461202103   487,500 750 SH   OTR 2 0 750 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   59,955 390 SH   OTR 2 0 390 0
JOHNSON & JOHNSON COMMON STOCK 478160104   910,858 5,758 SH   OTR 2 0 5,758 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,265,896 6,320 SH   OTR 2 0 6,320 0
KELLANOVA COMMON STOCK 487836108   51,561 900 SH   OTR 2 0 900 0
LILLY ELI & CO COMMON STOCK 532457108   1,282,856 1,649 SH   OTR 2 0 1,649 0
LOWES COS INC COMMON STOCK 548661107   153,093 601 SH   OTR 2 0 601 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   88,954 1,255 SH   OTR 2 0 1,255 0
MASCO CORP COMMON STOCK 574599106   31,079 394 SH   OTR 2 0 394 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   43,341 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   98,683 350 SH   OTR 2 0 350 0
MERCK & CO INC COMMON STOCK 58933Y105   416,302 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   235,021 484 SH   OTR 2 0 484 0
MICROSOFT CORP COMMON STOCK 594918104   2,150,300 5,111 SH   OTR 2 0 5,111 0
MORGAN STANLEY COMMON STOCK 617446448   188,320 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   127,539 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   144,437 2,260 SH   OTR 2 0 2,260 0
NIKE INC-CLASS B COMMON STOCK 654106103   210,515 2,240 SH   OTR 2 0 2,240 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   108,320 425 SH   OTR 2 0 425 0
NVIDIA CORP COMMON STOCK 67066G104   1,045,419 1,157 SH   OTR 2 0 1,157 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   36,199 557 SH   OTR 2 0 557 0
ORACLE CORPORATION COMMON STOCK 68389X105   658,573 5,243 SH   OTR 2 0 5,243 0
ORGANON & CO COMMON STOCK 68622V106   263 14 SH   OTR 2 0 14 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   207,673 2,092 SH   OTR 2 0 2,092 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   38,358 135 SH   OTR 2 0 135 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   9,134 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   101,801 829 SH   OTR 2 0 829 0
PEPSICO INC COMMON STOCK 713448108   542,706 3,101 SH   OTR 2 0 3,101 0
PFIZER INC COMMON STOCK 717081103   274,115 9,878 SH   OTR 2 0 9,878 0
PHILLIPS 66 COMMON STOCK 718546104   5,227 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   520,498 3,208 SH   OTR 2 0 3,208 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   66,555 500 SH   OTR 2 0 500 0
RTX CORPORATION COMMON STOCK 75513E101   510,765 5,237 SH   OTR 2 0 5,237 0
RUMBLE INC CL A COMMON STOCK 78137L105   8,080 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   258,111 857 SH   OTR 2 0 857 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   73,366 454 SH   OTR 2 0 454 0
SOUTHERN COMPANY COMMON STOCK 842587107   21,522 300 SH   OTR 2 0 300 0
STARBUCKS CORP COMMON STOCK 855244109   181,409 1,985 SH   OTR 2 0 1,985 0
STRYKER CORPORATION COMMON STOCK 863667101   419,782 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP COMMON STOCK 871829107   21,107 260 SH   OTR 2 0 260 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   106,680 875 SH   OTR 2 0 875 0
T-MOBILE US INC COMMON STOCK 872590104   32,481 199 SH   OTR 2 0 199 0
TERADYNE INC COMMON STOCK 880770102   53,256 472 SH   OTR 2 0 472 0
TESLA INC COMMON STOCK 88160R101   38,322 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   183,081 315 SH   OTR 2 0 315 0
TJX COS INC COMMON STOCK 872540109   212,475 2,095 SH   OTR 2 0 2,095 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   23,014 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108   105,012 427 SH   OTR 2 0 427 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   81,747 550 SH   OTR 2 0 550 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   147,421 298 SH   OTR 2 0 298 0
US BANCORP NEW COMMON STOCK 902973304   63,698 1,425 SH   OTR 2 0 1,425 0
VERALTO CORPORATION COMMON STOCK 92338C103   1,685 19 SH   OTR 2 0 19 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   82,913 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   173,474 415 SH   OTR 2 0 415 0
VIATRIS INC COMMON STOCK 92556V106   12,967 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   376,200 1,348 SH   OTR 2 0 1,348 0
WALMART INC COMMON STOCK 931142103   116,429 1,935 SH   OTR 2 0 1,935 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   1,694 194 SH   OTR 2 0 194 0
WELLS FARGO & CO COMMON STOCK 949746101   53,613 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100   69,600 1,786 SH   OTR 2 0 1,786 0
YUM! BRANDS INC COMMON STOCK 988498101   18,718 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   19,797 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   312,907 2,950 SH   OTR 2 0 2,950 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   559,372 22,357 SH   OTR 2 0 22,357 0
EATON CORP PLC COMMON STOCK G29183103   148,523 475 SH   OTR 2 0 475 0
LINDE PLC COMMON STOCK G54950103   127,688 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   13,296 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   26,145 300 SH   OTR 2 0 300 0
SCHLUMBERGER LTD COMMON STOCK 806857108   11,784 215 SH   OTR 2 0 215 0
TORONTO DOMINION BANK COMMON STOCK 891160509   125,832 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   534,465 6,545 SH   OTR 2 0 6,545 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   609,228 3,313 SH   OTR 2 0 3,313 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   415,627 5,443 SH   OTR 2 0 5,443 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   236,969 2,510 SH   OTR 2 0 2,510 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   830,480 19,717 SH   OTR 2 0 19,717 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   769,230 5,207 SH   OTR 2 0 5,207 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   511,146 4,058 SH   OTR 2 0 4,058 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   169,168 381 SH   OTR 2 0 381 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   820,396 12,221 SH   OTR 2 0 12,221 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   375,373 6,180 SH   OTR 2 0 6,180 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   1,197,042 10,831 SH   OTR 2 0 10,831 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   302,543 3,257 SH   OTR 2 0 3,257 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   113,426 2,264 SH   OTR 2 0 2,264 0
SPDR S&P BIOTECH ETF OTHER 78464A870   8,255 87 SH   OTR 2 0 87 0
SPDR S&P TELECOM ETF OTHER 78464A540   5,198 70 SH   OTR 2 0 70 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,751,134 8,408 SH   OTR 2 0 8,408 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   139,506 2,125 SH   OTR 2 0 2,125 0
VANGUARD MID-CAP ETF OTHER 922908629   3,191,962 12,775 SH   OTR 2 0 12,775 0
VANGUARD REAL ESTATE ETF OTHER 922908553   171,230 1,980 SH   OTR 2 0 1,980 0
VANGUARD S&P 500 ETF OTHER 922908363   1,016,681 2,115 SH   OTR 2 0 2,115 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,323,993 5,792 SH   OTR 2 0 5,792 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   122,670 1,500 SH   OTR 2 0 1,500 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   299,823 11,969 SH   OTR 2 0 11,969 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   251,350 10,131 SH   OTR 2 0 10,131 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   253,311 10,621 SH   OTR 2 0 10,621 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   306,282 12,869 SH   OTR 2 0 12,869 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   253,931 10,196 SH   OTR 2 0 10,196 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   318,430 13,954 SH   OTR 2 0 13,954 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   319,224 14,917 SH   OTR 2 0 14,917 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   374,865 18,295 SH   OTR 2 0 18,295 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   373,837 15,068 SH   OTR 2 0 15,068 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   165,059 6,478 SH   OTR 2 0 6,478 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   883,149 37,879 SH   OTR 2 0 37,879 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   79,352 3,394 SH   OTR 2 0 3,394 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   76,920 1,500 SH   OTR 2 0 1,500 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   609,909 5,807 SH   OTR 2 0 5,807 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   489,527 6,332 SH   OTR 2 0 6,332 0
ABBOTT LABS COMMON STOCK 002824100   104,113 916 SH   SOLE   916 0 0
ABBVIE INC COMMON STOCK 00287Y109   11,654 64 SH   SOLE   64 0 0
ADOBE INC COMMON STOCK 00724F101   130,187 258 SH   SOLE   258 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   248,129 1,644 SH   SOLE   1,644 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   119,524 785 SH   SOLE   785 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   17,448 400 SH   SOLE   400 0 0
AMAZON.COM INC COMMON STOCK 023135106   380,963 2,112 SH   SOLE   2,112 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   35,975 158 SH   SOLE   158 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   33,730 276 SH   SOLE   276 0 0
AMGEN INC COMMON STOCK 031162100   40,942 144 SH   SOLE   144 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   137,728 1,194 SH   SOLE   1,194 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   35,207 178 SH   SOLE   178 0 0
APPLE INC COMMON STOCK 037833100   1,290,730 7,527 SH   SOLE   7,527 0 0
ARCHROCK INC COMMON STOCK 03957W106   9,835 500 SH   SOLE   500 0 0
AT&T INC COMMON STOCK 00206R102   40,744 2,315 SH   SOLE   2,315 0 0
AUTODESK INC COMMON STOCK 052769106   26,042 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   17,482 70 SH   SOLE   70 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   107,427 2,833 SH   SOLE   2,833 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   178,300 424 SH   SOLE   424 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   138,394 166 SH   SOLE   166 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   7,256 2 SH   SOLE   2 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   117,516 2,167 SH   SOLE   2,167 0 0
CATERPILLAR INC COMMON STOCK 149123101   113,227 309 SH   SOLE   309 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   52,685 334 SH   SOLE   334 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   122,529 2,455 SH   SOLE   2,455 0 0
COCA COLA CO COMMON STOCK 191216100   129,212 2,112 SH   SOLE   2,112 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   23,953 266 SH   SOLE   266 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   77,641 610 SH   SOLE   610 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   27,176 100 SH   SOLE   100 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   153,852 210 SH   SOLE   210 0 0
CUMMINS INC COMMON STOCK 231021106   64,823 220 SH   SOLE   220 0 0
DANAHER CORP COMMON STOCK 235851102   100,138 401 SH   SOLE   401 0 0
DEERE & CO COMMON STOCK 244199105   24,644 60 SH   SOLE   60 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   3,766 33 SH   SOLE   33 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   16,865 75 SH   SOLE   75 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   147,444 1,205 SH   SOLE   1,205 0 0
DOLLAR TREE INC COMMON STOCK 256746108   31,423 236 SH   SOLE   236 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   23,611 480 SH   SOLE   480 0 0
DOW INC COMMON STOCK 260557103   3,244 56 SH   SOLE   56 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   4,294 56 SH   SOLE   56 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   23,652 236 SH   SOLE   236 0 0
ECOLAB INC COMMON STOCK 278865100   6,927 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   20,223 39 SH   SOLE   39 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   166,107 1,429 SH   SOLE   1,429 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   26,077 90 SH   SOLE   90 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   84,465 299 SH   SOLE   299 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   87,765 500 SH   SOLE   500 0 0
GENERAL MLS INC COMMON STOCK 370334104   22,111 316 SH   SOLE   316 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   33,415 80 SH   SOLE   80 0 0
HOME DEPOT INC COMMON STOCK 437076102   220,186 574 SH   SOLE   574 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   125,408 611 SH   SOLE   611 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   23,881 89 SH   SOLE   89 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   64,661 681 SH   SOLE   681 0 0
INTEL CORP COMMON STOCK 458140100   20,892 473 SH   SOLE   473 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   121,900 887 SH   SOLE   887 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   2,838 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   42,966 225 SH   SOLE   225 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   5,381 35 SH   SOLE   35 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   131,298 830 SH   SOLE   830 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   215,923 1,078 SH   SOLE   1,078 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,468 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   917 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,845 50 SH   SOLE   50 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   65 3 SH   SOLE   3 0 0
LILLY ELI & CO COMMON STOCK 532457108   119,806 154 SH   SOLE   154 0 0
LOWES COS INC COMMON STOCK 548661107   39,228 154 SH   SOLE   154 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   22,960 91 SH   SOLE   91 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   59,894 845 SH   SOLE   845 0 0
MASCO CORP COMMON STOCK 574599106   90,870 1,152 SH   SOLE   1,152 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   111,243 231 SH   SOLE   231 0 0
MCDONALDS CORP COMMON STOCK 580135101   114,754 407 SH   SOLE   407 0 0
MERCK & CO INC COMMON STOCK 58933Y105   93,025 705 SH   SOLE   705 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   211,713 436 SH   SOLE   436 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   23,145 258 SH   SOLE   258 0 0
MICROSOFT CORP COMMON STOCK 594918104   666,841 1,585 SH   SOLE   1,585 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   15,750 225 SH   SOLE   225 0 0
MORGAN STANLEY COMMON STOCK 617446448   31,920 339 SH   SOLE   339 0 0
NASDAQ INC COMMON STOCK 631103108   15,775 250 SH   SOLE   250 0 0
NETFLIX INC COMMON STOCK 64110L106   145,759 240 SH   SOLE   240 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   23,008 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   18,796 200 SH   SOLE   200 0 0
NVIDIA CORP COMMON STOCK 67066G104   402,988 446 SH   SOLE   446 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   232,127 1,848 SH   SOLE   1,848 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   44,324 156 SH   SOLE   156 0 0
PAYCHEX INC COMMON STOCK 704326107   29,472 240 SH   SOLE   240 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   19,092 285 SH   SOLE   285 0 0
PEPSICO INC COMMON STOCK 713448108   35,177 201 SH   SOLE   201 0 0
PFIZER INC COMMON STOCK 717081103   29,276 1,055 SH   SOLE   1,055 0 0
PINTEREST INC CL A COMMON STOCK 72352L106   3,467 100 SH   SOLE   100 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   125,582 774 SH   SOLE   774 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   14,675 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   27,088 160 SH   SOLE   160 0 0
RTX CORPORATION COMMON STOCK 75513E101   23,895 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   193,659 643 SH   SOLE   643 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   41,854 259 SH   SOLE   259 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   2,919 100 SH   SOLE   100 0 0
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109   7,580 1,000 SH   SOLE   1,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   60,500 662 SH   SOLE   662 0 0
STRYKER CORPORATION COMMON STOCK 863667101   166,052 464 SH   SOLE   464 0 0
SYSCO CORP COMMON STOCK 871829107   37,343 460 SH   SOLE   460 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   21,214 174 SH   SOLE   174 0 0
T-MOBILE US INC COMMON STOCK 872590104   52,720 323 SH   SOLE   323 0 0
TERADYNE INC COMMON STOCK 880770102   53,256 472 SH   SOLE   472 0 0
TESLA INC COMMON STOCK 88160R101   24,786 141 SH   SOLE   141 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   8,711 50 SH   SOLE   50 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   4,863 25 SH   SOLE   25 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   108,686 187 SH   SOLE   187 0 0
TJX COS INC COMMON STOCK 872540109   110,142 1,086 SH   SOLE   1,086 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   83,771 364 SH   SOLE   364 0 0
UNION PAC CORP COMMON STOCK 907818108   108,209 440 SH   SOLE   440 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   5,351 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   107,845 218 SH   SOLE   218 0 0
US BANCORP NEW COMMON STOCK 902973304   2,235 50 SH   SOLE   50 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   69,821 1,664 SH   SOLE   1,664 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   48,489 116 SH   SOLE   116 0 0
VISA INC CL A COMMON STOCK 92826C839   229,683 823 SH   SOLE   823 0 0
WALMART INC COMMON STOCK 931142103   76,175 1,266 SH   SOLE   1,266 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   105 12 SH   SOLE   12 0 0
WELLS FARGO & CO COMMON STOCK 949746101   15,823 273 SH   SOLE   273 0 0
WILLIAMS COS INC COMMON STOCK 969457100   107,713 2,764 SH   SOLE   2,764 0 0
YUM! BRANDS INC COMMON STOCK 988498101   71,543 516 SH   SOLE   516 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   160 18 SH   SOLE   18 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   497,598 19,888 SH   SOLE   19,888 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   19,064 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   35,184 344 SH   SOLE   344 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   16,991 310 SH   SOLE   310 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   57,162 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   91,945 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   35,889 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   32,477 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   118,184 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   83,134 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   3,361,156 7,570 SH   SOLE   7,570 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,856,010 27,648 SH   SOLE   27,648 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   4,184,500 68,892 SH   SOLE   68,892 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   4,258,888 38,535 SH   SOLE   38,535 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   6,309 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   153,969 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   72,133 343 SH   SOLE   343 0 0
ISHARES SILVER TRUST OTHER 46428Q109   5,233 230 SH   SOLE   230 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   91,497 985 SH   SOLE   985 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   64,672 1,555 SH   SOLE   1,555 0 0
SPDR GOLD TRUST OTHER 78463V107   82,905 403 SH   SOLE   403 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   3,653,342 72,921 SH   SOLE   72,921 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,796 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   196,151 375 SH   SOLE   375 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   208,270 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   61,055 930 SH   SOLE   930 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   4,806 152 SH   SOLE   152 0 0
VANGUARD ENERGY ETF OTHER 92204A306   19,755 150 SH   SOLE   150 0 0
VANGUARD MID-CAP ETF OTHER 922908629   1,209,572 4,841 SH   SOLE   4,841 0 0
VANGUARD S&P 500 ETF OTHER 922908363   8,579,053 17,847 SH   SOLE   17,847 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   609,421 2,666 SH   SOLE   2,666 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,791 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   26,934 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   1,041,429 41,574 SH   SOLE   41,574 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   1,089,432 43,911 SH   SOLE   43,911 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   1,111,768 46,615 SH   SOLE   46,615 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   1,142,091 47,987 SH   SOLE   47,987 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   1,173,499 47,119 SH   SOLE   47,119 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   1,201,907 52,669 SH   SOLE   52,669 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   1,127,780 52,700 SH   SOLE   52,700 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   1,185,408 57,853 SH   SOLE   57,853 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   1,245,611 50,206 SH   SOLE   50,206 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   1,022,003 40,110 SH   SOLE   40,110 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   1,939,482 83,186 SH   SOLE   83,186 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   888,113 37,986 SH   SOLE   37,986 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   28,717 560 SH   SOLE   560 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   1,915,012 18,233 SH   SOLE   18,233 0 0
ISHARES 20Plus YEAR TREASURY BOND OTHER 464287432   31,035 328 SH   SOLE   328 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   387,014 5,006 SH   SOLE   5,006 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   14,962 206 SH   SOLE   206 0 0
ABBOTT LABS COMMON STOCK 002824100   2,273,200 20,000 SH   DFND 3 20,000 0 0
ADOBE INC COMMON STOCK 00724F101   2,220,240 4,400 SH   DFND 3 4,400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   654,129 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   4,799,574 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   5,050,640 28,000 SH   DFND 3 28,000 0 0
AMGEN INC COMMON STOCK 031162100   1,336,304 4,700 SH   DFND 3 4,700 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,537,700 22,000 SH   DFND 3 22,000 0 0
APPLE INC COMMON STOCK 037833100   7,733,748 45,100 SH   DFND 3 45,100 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,635,440 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,144,652 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,417,730 2,900 SH   DFND 3 2,900 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   1,012,452 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,308,509 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,041,084 6,600 SH   DFND 3 6,600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,534,733 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,025,682 1,400 SH   DFND 3 1,400 0 0
DANAHER CORP COMMON STOCK 235851102   1,248,600 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   770,868 6,300 SH   DFND 3 6,300 0 0
DOLLAR TREE INC COMMON STOCK 256746108   545,915 4,100 SH   DFND 3 4,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   393,520 8,000 SH   DFND 3 8,000 0 0
ECOLAB INC COMMON STOCK 278865100   692,700 3,000 SH   DFND 3 3,000 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   953,168 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,085,994 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,529,120 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,847,250 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,357,785 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,020,221 14,700 SH   DFND 3 14,700 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,502,805 9,500 SH   DFND 3 9,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,844,260 14,200 SH   DFND 3 14,200 0 0
LENNAR CORP CL A COMMON STOCK 526057104   567,534 3,300 SH   DFND 3 3,300 0 0
LILLY ELI & CO COMMON STOCK 532457108   2,645,064 3,400 SH   DFND 3 3,400 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,417,600 20,000 SH   DFND 3 20,000 0 0
MASCO CORP COMMON STOCK 574599106   2,603,040 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   733,070 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   2,670,690 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   9,508,272 22,600 SH   DFND 3 22,600 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,064,008 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,821,990 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   351,505 5,500 SH   DFND 3 5,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   7,888,079 8,730 SH   DFND 3 8,730 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,595,247 12,700 SH   DFND 3 12,700 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   454,608 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC COMMON STOCK 713448108   1,697,597 9,700 SH   DFND 3 9,700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,967,281 12,125 SH   DFND 3 12,125 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,981,682 9,900 SH   DFND 3 9,900 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   955,158 2,750 SH   DFND 3 2,750 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   404,000 2,500 SH   DFND 3 2,500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   656,421 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,538,841 4,300 SH   DFND 3 4,300 0 0
SYSCO CORP COMMON STOCK 871829107   608,850 7,500 SH   DFND 3 7,500 0 0
TERADYNE INC COMMON STOCK 880770102   564,150 5,000 SH   DFND 3 5,000 0 0
TESLA INC COMMON STOCK 88160R101   738,318 4,200 SH   DFND 3 4,200 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   505,700 2,600 SH   DFND 3 2,600 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,673,566 4,600 SH   DFND 3 4,600 0 0
TJX COS INC COMMON STOCK 872540109   1,551,726 15,300 SH   DFND 3 15,300 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   1,583,040 3,200 SH   DFND 3 3,200 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,128,627 2,700 SH   DFND 3 2,700 0 0
VISA INC CL A COMMON STOCK 92826C839   2,037,284 7,300 SH   DFND 3 7,300 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   300,212 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   1,696,794 28,200 SH   DFND 3 28,200 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,705,200 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,340,568 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   464,337 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,584,440 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   551,114 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   204,560 2,000 SH   DFND 3 2,000 0 0