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   1,921,088 18,488 SH   DFND 2 18,488 0 0
ABBVIE INC COMMON STOCK 00287Y109   796,024 4,641 SH   DFND 2 4,641 0 0
ADOBE INC COMMON STOCK 00724F101   3,203,244 5,766 SH   DFND 2 5,766 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107   4,217 26 SH   DFND 2 26 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   64,254 249 SH   DFND 2 249 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   9,328,084 51,211 SH   DFND 2 51,211 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,971,582 10,749 SH   DFND 2 10,749 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   234,583 5,150 SH   DFND 2 5,150 0 0
AMAZON.COM INC COMMON STOCK 023135106   6,926,273 35,841 SH   DFND 2 35,841 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   64,313 733 SH   DFND 2 733 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   378,584 1,635 SH   DFND 2 1,635 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   7,424 100 SH   DFND 2 100 0 0
AMERICAN SUPERCONDUCTOR CORP COMMON STOCK 030111207   8,070 345 SH   DFND 2 345 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   756,878 5,860 SH   DFND 2 5,860 0 0
AMGEN INC COMMON STOCK 031162100   2,432,423 7,785 SH   DFND 2 7,785 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   3,147,324 46,717 SH   DFND 2 46,717 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   13,696 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   12,913,533 61,312 SH   DFND 2 61,312 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   397,643 1,685 SH   DFND 2 1,685 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   15,113 250 SH   DFND 2 250 0 0
ASHLAND INC COMMON STOCK 044186104   10,677 113 SH   DFND 2 113 0 0
AT&T INC COMMON STOCK 00206R102   148,255 7,758 SH   DFND 2 7,758 0 0
AUTODESK INC COMMON STOCK 052769106   19,796 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   124,596 522 SH   DFND 2 522 0 0
BADGER METER INC COMMON STOCK 056525108   18,635 100 SH   DFND 2 100 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,256,112 56,729 SH   DFND 2 56,729 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   41,923 700 SH   DFND 2 700 0 0
BECTON DICKINSON COMMON STOCK 075887109   44,405 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,355,693 8,249 SH   DFND 2 8,249 0 0
BEST BUY CO INC COMMON STOCK 086516101   4,130 49 SH   DFND 2 49 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,572,962 3,268 SH   DFND 2 3,268 0 0
BLACKSTONE INC COMMON STOCK 09260D107   12,380 100 SH   DFND 2 100 0 0
BOEING CO COMMON STOCK 097023105   29,122 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   114,884 29 SH   DFND 2 29 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   916,816 22,076 SH   DFND 2 22,076 0 0
BROADCOM INC COMMON STOCK 11135F101   6,422 4 SH   DFND 2 4 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   2,769 20 SH   DFND 2 20 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   9,832 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   42,579 675 SH   DFND 2 675 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,097,864 6,298 SH   DFND 2 6,298 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   46,056 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   897 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,014,697 6,487 SH   DFND 2 6,487 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105   6,265 100 SH   DFND 2 100 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,382,436 50,146 SH   DFND 2 50,146 0 0
CLOROX COMPANY COMMON STOCK 189054109   67,826 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   44,235 225 SH   DFND 2 225 0 0
COCA COLA CO COMMON STOCK 191216100   1,742,610 27,378 SH   DFND 2 27,378 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   238,330 2,456 SH   DFND 2 2,456 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   93,044 2,376 SH   DFND 2 2,376 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,437,299 12,566 SH   DFND 2 12,566 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   92,907 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   158,227 615 SH   DFND 2 615 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   6,609 33 SH   DFND 2 33 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   3,053,164 3,592 SH   DFND 2 3,592 0 0
CSX CORP COMMON STOCK 126408103   8,429 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,392,681 5,029 SH   DFND 2 5,029 0 0
DANAHER CORP COMMON STOCK 235851102   1,796,172 7,189 SH   DFND 2 7,189 0 0
DEERE & CO COMMON STOCK 244199105   104,243 279 SH   DFND 2 279 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,377,300 23,943 SH   DFND 2 23,943 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   16,132 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   818,072 7,662 SH   DFND 2 7,662 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   723,289 14,761 SH   DFND 2 14,761 0 0
DOW INC COMMON STOCK 260557103   43,925 828 SH   DFND 2 828 0 0
DTE ENERGY CO COMMON STOCK 233331107   3,885 35 SH   DFND 2 35 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   94,818 946 SH   DFND 2 946 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   65,841 818 SH   DFND 2 818 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   758,288 7,740 SH   DFND 2 7,740 0 0
EBAY INC COMMON STOCK 278642103   21,488 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   505,988 2,126 SH   DFND 2 2,126 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   25,134 350 SH   DFND 2 350 0 0
EMERSON ELEC CO COMMON STOCK 291011104   157,198 1,427 SH   DFND 2 1,427 0 0
EOG RES INC COMMON STOCK 26875P101   18,251 145 SH   DFND 2 145 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   31,059 832 SH   DFND 2 832 0 0
EVANS BANCORP INC COMMON STOCK 29911Q208   8,433 300 SH   DFND 2 300 0 0
EXELON CORP COMMON STOCK 30161N101   3,461 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,948,799 25,615 SH   DFND 2 25,615 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   16,739 41 SH   DFND 2 41 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   185,901 620 SH   DFND 2 620 0 0
FIRST SOLAR INC COMMON STOCK 336433107   4,509 20 SH   DFND 2 20 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   30,654 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   335,340 2,250 SH   DFND 2 2,250 0 0
FLUSHING FINANCIAL CORP COMMON STOCK 343873105   13,150 1,000 SH   DFND 2 1,000 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   131,670 10,500 SH   DFND 2 10,500 0 0
FORTREA HLDGS INC COMMON STOCK 34965K107   2,567 110 SH   DFND 2 110 0 0
GE AEROSPACE COMMON STOCK 369604301   574,518 3,614 SH   DFND 2 3,614 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   73,167 939 SH   DFND 2 939 0 0
GE VERNOVA LLC COMMON STOCK 36828A101   113,540 662 SH   DFND 2 662 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,772,175 6,108 SH   DFND 2 6,108 0 0
GENERAL MLS INC COMMON STOCK 370334104   169,157 2,674 SH   DFND 2 2,674 0 0
GENUINE PARTS CO COMMON STOCK 372460105   29,047 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   71,903 1,048 SH   DFND 2 1,048 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   141,124 312 SH   DFND 2 312 0 0
GRAINGER W W INC COMMON STOCK 384802104   56,841 63 SH   DFND 2 63 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   6,708 200 SH   DFND 2 200 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,809,704 11,067 SH   DFND 2 11,067 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,221,030 10,401 SH   DFND 2 10,401 0 0
IDACORP INC COMMON STOCK 451107106   21,611 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   104,262 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,434,000 15,786 SH   DFND 2 15,786 0 0
INTEL CORP COMMON STOCK 458140100   275,571 8,898 SH   DFND 2 8,898 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,552,040 18,643 SH   DFND 2 18,643 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   42,940 451 SH   DFND 2 451 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   242,822 1,404 SH   DFND 2 1,404 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   19,922 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   59,377 425 SH   DFND 2 425 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,311,228 15,813 SH   DFND 2 15,813 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   4,121,452 20,377 SH   DFND 2 20,377 0 0
KELLANOVA COMMON STOCK 487836108   5,768 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   15,020 1,057 SH   DFND 2 1,057 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   20,177 146 SH   DFND 2 146 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   10,521 150 SH   DFND 2 150 0 0
LABCORP HOLDINGS INC COMMON STOCK 504922105   22,386 110 SH   DFND 2 110 0 0
LENNAR CORP CL A COMMON STOCK 526057104   655,981 4,377 SH   DFND 2 4,377 0 0
LILLY ELI & CO COMMON STOCK 532457108   3,190,559 3,524 SH   DFND 2 3,524 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   161,617 346 SH   DFND 2 346 0 0
LOWES COS INC COMMON STOCK 548661107   893,745 4,054 SH   DFND 2 4,054 0 0
MANITOWOC CO INC COMMON STOCK 563571405   2,306 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   2,418 10 SH   DFND 2 10 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,043,327 14,926 SH   DFND 2 14,926 0 0
MASCO CORP COMMON STOCK 574599106   1,474,940 22,123 SH   DFND 2 22,123 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,551,119 3,516 SH   DFND 2 3,516 0 0
MATSON INC COMMON STOCK 57686G105   13,097 100 SH   DFND 2 100 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   80,233 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,107,527 8,270 SH   DFND 2 8,270 0 0
MERCK & CO INC COMMON STOCK 58933Y105   484,058 3,910 SH   DFND 2 3,910 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   3,569,373 7,079 SH   DFND 2 7,079 0 0
METLIFE INC COMMON STOCK 59156R108   22,812 325 SH   DFND 2 325 0 0
MICROSOFT CORP COMMON STOCK 594918104   13,284,248 29,722 SH   DFND 2 29,722 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   23,886 365 SH   DFND 2 365 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,412,462 14,533 SH   DFND 2 14,533 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   14,089 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   2,154,217 3,192 SH   DFND 2 3,192 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   474,639 6,703 SH   DFND 2 6,703 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   45,373 602 SH   DFND 2 602 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   50,452 235 SH   DFND 2 235 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   35,748 82 SH   DFND 2 82 0 0
NUCOR CORP COMMON STOCK 670346105   5,533 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   11,054,112 89,478 SH   DFND 2 89,478 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   1,576 25 SH   DFND 2 25 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   4,527,013 32,061 SH   DFND 2 32,061 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   15,518 85 SH   DFND 2 85 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   1,318,749 3,890 SH   DFND 2 3,890 0 0
PAYCHEX INC COMMON STOCK 704326107   317,622 2,679 SH   DFND 2 2,679 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   169,680 2,924 SH   DFND 2 2,924 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   29,710 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,238,624 7,510 SH   DFND 2 7,510 0 0
PFIZER INC COMMON STOCK 717081103   170,986 6,111 SH   DFND 2 6,111 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   344,117 3,396 SH   DFND 2 3,396 0 0
PHILLIPS 66 COMMON STOCK 718546104   20,187 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   1,631 700 SH   DFND 2 700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,592,542 15,720 SH   DFND 2 15,720 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   32,930 281 SH   DFND 2 281 0 0
QUALCOMM INC COMMON STOCK 747525103   339,403 1,704 SH   DFND 2 1,704 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   436,273 1,717 SH   DFND 2 1,717 0 0
ROKU INC COMMON STOCK 77543R102   5,993 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   49,038 87 SH   DFND 2 87 0 0
ROSS STORES INC COMMON STOCK 778296103   36,185 249 SH   DFND 2 249 0 0
RTX CORPORATION COMMON STOCK 75513E101   209,012 2,082 SH   DFND 2 2,082 0 0
RYDER SYSTEM INC COMMON STOCK 783549108   12,388 100 SH   DFND 2 100 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   49,060 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   3,571,633 13,892 SH   DFND 2 13,892 0 0
SERVICENOW INC COMMON STOCK 81762P102   3,933 5 SH   DFND 2 5 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   165,629 555 SH   DFND 2 555 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,161 34 SH   DFND 2 34 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   2,830 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   31,894 390 SH   DFND 2 390 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   675,720 5,002 SH   DFND 2 5,002 0 0
SOLAREDGE TECHNOLOGIES INC COMMON STOCK 83417M104   379 15 SH   DFND 2 15 0 0
SOLVENTUM CORP COMMON STOCK 83444M101   10,788 204 SH   DFND 2 204 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102   2,536 50 SH   DFND 2 50 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   39,949 515 SH   DFND 2 515 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   5,722 200 SH   DFND 2 200 0 0
STARBUCKS CORP COMMON STOCK 855244109   773,362 9,934 SH   DFND 2 9,934 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,579,435 7,581 SH   DFND 2 7,581 0 0
SYSCO CORP COMMON STOCK 871829107   845,115 11,838 SH   DFND 2 11,838 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   168,929 1,465 SH   DFND 2 1,465 0 0
T-MOBILE US INC COMMON STOCK 872590104   1,623,499 9,215 SH   DFND 2 9,215 0 0
TARGET CORP COMMON STOCK 87612E106   12,731 86 SH   DFND 2 86 0 0
TERADYNE INC COMMON STOCK 880770102   1,404,751 9,473 SH   DFND 2 9,473 0 0
TESLA INC COMMON STOCK 88160R101   830,502 4,197 SH   DFND 2 4,197 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   774,229 3,980 SH   DFND 2 3,980 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   41,362 225 SH   DFND 2 225 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,522,233 4,561 SH   DFND 2 4,561 0 0
TJX COS INC COMMON STOCK 872540109   2,299,439 20,885 SH   DFND 2 20,885 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   26,406 540 SH   DFND 2 540 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,740,184 8,558 SH   DFND 2 8,558 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   49,534 1,275 SH   DFND 2 1,275 0 0
TRUMP MEDIA & TECHNOLOGY GROUP COMMON STOCK 25400Q105   2,293 70 SH   DFND 2 70 0 0
UNION PAC CORP COMMON STOCK 907818108   1,801,030 7,960 SH   DFND 2 7,960 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   112,901 825 SH   DFND 2 825 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,062,503 4,050 SH   DFND 2 4,050 0 0
US BANCORP NEW COMMON STOCK 902973304   139,069 3,503 SH   DFND 2 3,503 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   267,400 6,484 SH   DFND 2 6,484 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,288,511 2,749 SH   DFND 2 2,749 0 0
VIATRIS INC COMMON STOCK 92556V106   255 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K403   447 53 SH   DFND 2 53 0 0
VISA INC CL A COMMON STOCK 92826C839   3,241,242 12,349 SH   DFND 2 12,349 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   184,521 742 SH   DFND 2 742 0 0
WABTEC CORP COMMON STOCK 929740108   30,030 190 SH   DFND 2 190 0 0
WALMART INC COMMON STOCK 931142103   2,064,749 30,494 SH   DFND 2 30,494 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   82 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   63,789 299 SH   DFND 2 299 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   19,615 250 SH   DFND 2 250 0 0
WELLS FARGO & CO COMMON STOCK 949746101   284,775 4,795 SH   DFND 2 4,795 0 0
WENDY'S CO COMMON STOCK 95058W100   11,363 670 SH   DFND 2 670 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,769,233 41,629 SH   DFND 2 41,629 0 0
WK KELLOGG CO COMMON STOCK 92942W107   412 25 SH   DFND 2 25 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   15,420 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,464,213 11,054 SH   DFND 2 11,054 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   61,862 570 SH   DFND 2 570 0 0
ZSCALER INC COMMON STOCK 98980G102   3,844 20 SH   DFND 2 20 0 0
3M CO COMMON STOCK 88579Y101   193,139 1,890 SH   DFND 2 1,890 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   76,604 2,122 SH   DFND 2 2,122 0 0
COMPASS PATHWAYS LTD SPONS ADR COMMON STOCK 20451W101   604 100 SH   DFND 2 100 0 0
NOVO NORDISK AS SPONS ADR COMMON STOCK 670100205   2,855 20 SH   DFND 2 20 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   46,151 700 SH   DFND 2 700 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   36,349 187 SH   DFND 2 187 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   13,680 1,500 SH   DFND 2 1,500 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,123 110 SH   DFND 2 110 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   49,087,318 1,884,350 SH   DFND 2 1,884,350 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   66,750 220 SH   DFND 2 220 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   20,016 1,200 SH   DFND 2 1,200 0 0
BIRKENSTOCK HOLDING PLC COMMON STOCK M2029K104   5,441 100 SH   DFND 2 100 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   26,400 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   43,897 140 SH   DFND 2 140 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   71,180 2,000 SH   DFND 2 2,000 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   20,224 400 SH   DFND 2 400 0 0
LINDE PLC COMMON STOCK G54950103   89,956 205 SH   DFND 2 205 0 0
LITHIUM AMERICAS ARGENTINA C COMMON STOCK 53681K100   320 100 SH   DFND 2 100 0 0
LITHIUM AMERICAS CORP COMMON STOCK 53681J103   268 100 SH   DFND 2 100 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   830,616 8,683 SH   DFND 2 8,683 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   6,282 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   55,412 704 SH   DFND 2 704 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   476 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   15,200 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   10,638 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   18,117 384 SH   DFND 2 384 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   23,778 360 SH   DFND 2 360 0 0
THOMSON REUTERS CORP COMMON STOCK 884903808   14,497 86 SH   DFND 2 86 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   32,097 584 SH   DFND 2 584 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   18,845 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   322,848 1,770 SH   DFND 2 1,770 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   97,333 1,271 SH   DFND 2 1,271 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   165,984 1,821 SH   DFND 2 1,821 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   526,044 12,796 SH   DFND 2 12,796 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   33,724 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   477,186 3,274 SH   DFND 2 3,274 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   301,019 2,470 SH   DFND 2 2,470 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   33,196 457 SH   DFND 2 457 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   10,397 19 SH   DFND 2 19 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   218,511 2,695 SH   DFND 2 2,695 0 0
ISHARES SILVER TRUST OTHER 46428Q109   100,567 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   30,473 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,101,049 12,468 SH   DFND 2 12,468 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   147,525 3,750 SH   DFND 2 3,750 0 0
SPDR GOLD TRUST OTHER 78463V107   300,799 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   387,989 4,842 SH   DFND 2 4,842 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   133,502 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   62,786 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   13,377 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   1,989 50 SH   DFND 2 50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   3,751,853 6,894 SH   DFND 2 6,894 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,014,415 4,484 SH   DFND 2 4,484 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   792,332 11,628 SH   DFND 2 11,628 0 0
VANECK BIOTECH ETF OTHER 92189F726   42,103 250 SH   DFND 2 250 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   37,135 1,750 SH   DFND 2 1,750 0 0
VANGUARD GROWTH ETF OTHER 922908736   207,950 556 SH   DFND 2 556 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   26,523 46 SH   DFND 2 46 0 0
VANGUARD MID-CAP ETF OTHER 922908629   25,234,083 104,230 SH   DFND 2 104,230 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   415,868 4,965 SH   DFND 2 4,965 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   11,145,333 51,116 SH   DFND 2 51,116 0 0
FLAH & CRUM PFD & INCM FUND OTHER 338480106   40,371 3,867 SH   DFND 2 3,867 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,169 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   6,186,271 63,730 SH   DFND 2 63,730 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   534,617 21,830 SH   DFND 2 21,830 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   239,770 9,206 SH   DFND 2 9,206 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   239,299 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2028 TERM M OTHER 46435U325   236,389 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   3,926,816 168,968 SH   DFND 2 168,968 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   301,240 5,879 SH   DFND 2 5,879 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   73,424 800 SH   DFND 2 800 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   5,543,631 71,739 SH   DFND 2 71,739 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,844,840 25,605 SH   DFND 2 25,605 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   238,524 9,006 SH   DFND 2 9,006 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   238,020 9,517 SH   DFND 2 9,517 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,331,449 12,496 SH   DFND 2 12,496 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,448,615 83,323 SH   DFND 2 83,323 0 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   9,993,438 99,289 SH   DFND 2 99,289 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   21,714,888 211,440 SH   DFND 2 211,440 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   26,885,488 409,590 SH   DFND 2 409,590 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   26,709,692 1,147,570 SH   DFND 2 1,147,570 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   58,159,642 121,391 SH   DFND 2 121,391 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   41,048,741 384,856 SH   DFND 2 384,856 0 0
VANGUARD S&P 500 ETF OTHER 922908363   94,379,032 188,709 SH   DFND 2 188,709 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   47,869,477 818,002 SH   DFND 2 818,002 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   41,204,211 845,388 SH   DFND 2 845,388 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   11,000,507 437,744 SH   DFND 2 437,744 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   11,733,845 471,997 SH   DFND 2 471,997 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   11,705,930 472,585 SH   DFND 2 472,585 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   12,395,751 504,713 SH   DFND 2 504,713 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   11,794,163 495,137 SH   DFND 2 495,137 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   11,551,361 486,783 SH   DFND 2 486,783 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   11,849,201 522,682 SH   DFND 2 522,682 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   12,022,402 565,494 SH   DFND 2 565,494 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   12,072,367 594,991 SH   DFND 2 594,991 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   11,465,320 454,973 SH   DFND 2 454,973 0 0
ABBOTT LABS COMMON STOCK 002824100   44,266 426 SH   OTR 2 0 426 0
ABBVIE INC COMMON STOCK 00287Y109   222,976 1,300 SH   OTR 2 0 1,300 0
ADOBE INC COMMON STOCK 00724F101   111,108 200 SH   OTR 2 0 200 0
ALPHABET INC CL A COMMON STOCK 02079K305   998,000 5,479 SH   OTR 2 0 5,479 0
ALPHABET INC CL C COMMON STOCK 02079K107   200,845 1,095 SH   OTR 2 0 1,095 0
AMAZON.COM INC COMMON STOCK 023135106   440,610 2,280 SH   OTR 2 0 2,280 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   231,550 1,000 SH   OTR 2 0 1,000 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   33,969 263 SH   OTR 2 0 263 0
AMGEN INC COMMON STOCK 031162100   96,547 309 SH   OTR 2 0 309 0
AMPHENOL CORP CL A COMMON STOCK 032095101   75,185 1,116 SH   OTR 2 0 1,116 0
APPLE INC COMMON STOCK 037833100   1,441,905 6,846 SH   OTR 2 0 6,846 0
AT&T INC COMMON STOCK 00206R102   24,327 1,273 SH   OTR 2 0 1,273 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   623,220 2,611 SH   OTR 2 0 2,611 0
BANK OF AMERICA CORP COMMON STOCK 060505104   159,080 4,000 SH   OTR 2 0 4,000 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   35,934 600 SH   OTR 2 0 600 0
BAXTER INTL INC COMMON STOCK 071813109   56,029 1,675 SH   OTR 2 0 1,675 0
BECTON DICKINSON COMMON STOCK 075887109   33,888 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   396,630 975 SH   OTR 2 0 975 0
BLACKROCK INC CL A COMMON STOCK 09247X101   156,677 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   64,621 1,556 SH   OTR 2 0 1,556 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   19,664 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   296,476 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC COMMON STOCK 149123101   342,760 1,029 SH   OTR 2 0 1,029 0
CHEVRON CORPORATION COMMON STOCK 166764100   304,863 1,949 SH   OTR 2 0 1,949 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   61,145 1,287 SH   OTR 2 0 1,287 0
COCA COLA CO COMMON STOCK 191216100   107,314 1,686 SH   OTR 2 0 1,686 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   536,340 5,527 SH   OTR 2 0 5,527 0
CONOCOPHILLIPS COMMON STOCK 20825C104   137,942 1,206 SH   OTR 2 0 1,206 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   154,111 599 SH   OTR 2 0 599 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   76,499 90 SH   OTR 2 0 90 0
CUMMINS INC COMMON STOCK 231021106   42,647 154 SH   OTR 2 0 154 0
CVS HEALTH CORP COMMON STOCK 126650100   23,033 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   27,234 109 SH   OTR 2 0 109 0
DISNEY WALT CO NEW COMMON STOCK 254687106   122,027 1,229 SH   OTR 2 0 1,229 0
DOMINION ENERGY INC COMMON STOCK 25746U109   23,667 483 SH   OTR 2 0 483 0
DOW INC COMMON STOCK 260557103   1,751 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   31,638 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   41,796 417 SH   OTR 2 0 417 0
ECOLAB INC COMMON STOCK 278865100   202,300 850 SH   OTR 2 0 850 0
EMBECTA CORP COMMON STOCK 29082K105   363 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   288,619 2,620 SH   OTR 2 0 2,620 0
EOG RES INC COMMON STOCK 26875P101   4,405 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   889,417 7,726 SH   OTR 2 0 7,726 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   29,014 100 SH   OTR 2 0 100 0
GILEAD SCIENCES INC COMMON STOCK 375558103   7,547 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   11,308 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   477,117 1,386 SH   OTR 2 0 1,386 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   123,213 577 SH   OTR 2 0 577 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   60,863 670 SH   OTR 2 0 670 0
INTEL CORP COMMON STOCK 458140100   78,664 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   100,067 731 SH   OTR 2 0 731 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   687,130 3,973 SH   OTR 2 0 3,973 0
INTUIT INC COMMON STOCK 461202103   492,908 750 SH   OTR 2 0 750 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   54,487 390 SH   OTR 2 0 390 0
JOHNSON & JOHNSON COMMON STOCK 478160104   819,665 5,608 SH   OTR 2 0 5,608 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,263,114 6,245 SH   OTR 2 0 6,245 0
KELLANOVA COMMON STOCK 487836108   51,912 900 SH   OTR 2 0 900 0
LENNAR CORP CL A COMMON STOCK 526057104   17,235 115 SH   OTR 2 0 115 0
LILLY ELI & CO COMMON STOCK 532457108   1,492,972 1,649 SH   OTR 2 0 1,649 0
LOWES COS INC COMMON STOCK 548661107   126,765 575 SH   OTR 2 0 575 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   87,725 1,255 SH   OTR 2 0 1,255 0
MASCO CORP COMMON STOCK 574599106   22,601 339 SH   OTR 2 0 339 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   33,087 75 SH   OTR 2 0 75 0
MCDONALDS CORP COMMON STOCK 580135101   63,710 250 SH   OTR 2 0 250 0
MERCK & CO INC COMMON STOCK 58933Y105   390,589 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   244,042 484 SH   OTR 2 0 484 0
MICROSOFT CORP COMMON STOCK 594918104   2,210,615 4,946 SH   OTR 2 0 4,946 0
MORGAN STANLEY COMMON STOCK 617446448   194,380 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   141,725 210 SH   OTR 2 0 210 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   160,031 2,260 SH   OTR 2 0 2,260 0
NIKE INC-CLASS B COMMON STOCK 654106103   168,829 2,240 SH   OTR 2 0 2,240 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   91,243 425 SH   OTR 2 0 425 0
NVIDIA CORP COMMON STOCK 67066G104   1,336,703 10,820 SH   OTR 2 0 10,820 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   35,108 557 SH   OTR 2 0 557 0
ORACLE CORPORATION COMMON STOCK 68389X105   704,588 4,990 SH   OTR 2 0 4,990 0
ORGANON & CO COMMON STOCK 68622V106   290 14 SH   OTR 2 0 14 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   199,740 2,075 SH   OTR 2 0 2,075 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   95,601 282 SH   OTR 2 0 282 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   8,063 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   89,394 754 SH   OTR 2 0 754 0
PEPSICO INC COMMON STOCK 713448108   494,955 3,001 SH   OTR 2 0 3,001 0
PFIZER INC COMMON STOCK 717081103   269,112 9,618 SH   OTR 2 0 9,618 0
PHILLIPS 66 COMMON STOCK 718546104   4,517 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   525,930 3,189 SH   OTR 2 0 3,189 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   68,440 500 SH   OTR 2 0 500 0
RTX CORPORATION COMMON STOCK 75513E101   522,229 5,202 SH   OTR 2 0 5,202 0
RUMBLE INC CL A COMMON STOCK 78137L105   5,550 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   216,478 842 SH   OTR 2 0 842 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   64,708 479 SH   OTR 2 0 479 0
SOLVENTUM CORP COMMON STOCK 83444M101   34,372 650 SH   OTR 2 0 650 0
SOUTHERN COMPANY COMMON STOCK 842587107   23,271 300 SH   OTR 2 0 300 0
STARBUCKS CORP COMMON STOCK 855244109   146,747 1,885 SH   OTR 2 0 1,885 0
STRYKER CORPORATION COMMON STOCK 863667101   399,113 1,173 SH   OTR 2 0 1,173 0
SYSCO CORP COMMON STOCK 871829107   18,561 260 SH   OTR 2 0 260 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   100,896 875 SH   OTR 2 0 875 0
T-MOBILE US INC COMMON STOCK 872590104   35,060 199 SH   OTR 2 0 199 0
TERADYNE INC COMMON STOCK 880770102   73,700 497 SH   OTR 2 0 497 0
TESLA INC COMMON STOCK 88160R101   43,138 218 SH   OTR 2 0 218 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   179,725 325 SH   OTR 2 0 325 0
TJX COS INC COMMON STOCK 872540109   230,660 2,095 SH   OTR 2 0 2,095 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   18,911 93 SH   OTR 2 0 93 0
UNION PAC CORP COMMON STOCK 907818108   96,613 427 SH   OTR 2 0 427 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   75,268 550 SH   OTR 2 0 550 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   151,759 298 SH   OTR 2 0 298 0
US BANCORP NEW COMMON STOCK 902973304   56,573 1,425 SH   OTR 2 0 1,425 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   81,490 1,976 SH   OTR 2 0 1,976 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   206,706 441 SH   OTR 2 0 441 0
VIATRIS INC COMMON STOCK 92556V106   11,204 1,054 SH   OTR 2 0 1,054 0
VISA INC CL A COMMON STOCK 92826C839   346,460 1,320 SH   OTR 2 0 1,320 0
WALMART INC COMMON STOCK 931142103   122,555 1,810 SH   OTR 2 0 1,810 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   1,443 194 SH   OTR 2 0 194 0
WELLS FARGO & CO COMMON STOCK 949746101   54,936 925 SH   OTR 2 0 925 0
WILLIAMS COS INC COMMON STOCK 969457100   71,655 1,686 SH   OTR 2 0 1,686 0
YUM! BRANDS INC COMMON STOCK 988498101   17,882 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   16,280 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   301,461 2,950 SH   OTR 2 0 2,950 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   582,400 22,357 SH   OTR 2 0 22,357 0
EATON CORP PLC COMMON STOCK G29183103   148,936 475 SH   OTR 2 0 475 0
LINDE PLC COMMON STOCK G54950103   120,673 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   9,853 103 SH   OTR 2 0 103 0
MEDTRONIC PLC COMMON STOCK G5960L103   23,613 300 SH   OTR 2 0 300 0
SCHLUMBERGER LTD COMMON STOCK 806857108   10,144 215 SH   OTR 2 0 215 0
TORONTO DOMINION BANK COMMON STOCK 891160509   114,537 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   560,645 6,545 SH   OTR 2 0 6,545 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   604,291 3,313 SH   OTR 2 0 3,313 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   416,825 5,443 SH   OTR 2 0 5,443 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   228,787 2,510 SH   OTR 2 0 2,510 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   810,566 19,717 SH   OTR 2 0 19,717 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   758,920 5,207 SH   OTR 2 0 5,207 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   494,548 4,058 SH   OTR 2 0 4,058 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   226,619 473 SH   OTR 2 0 473 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   769,892 11,729 SH   OTR 2 0 11,729 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   352,934 6,031 SH   OTR 2 0 6,031 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   1,148,515 10,768 SH   OTR 2 0 10,768 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   263,870 2,988 SH   OTR 2 0 2,988 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   91,485 1,877 SH   OTR 2 0 1,877 0
SPDR S&P BIOTECH ETF OTHER 78464A870   8,066 87 SH   OTR 2 0 87 0
SPDR S&P TELECOM ETF OTHER 78464A540   5,401 70 SH   OTR 2 0 70 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,901,011 8,403 SH   OTR 2 0 8,403 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   144,798 2,125 SH   OTR 2 0 2,125 0
VANGUARD MID-CAP ETF OTHER 922908629   3,066,923 12,668 SH   OTR 2 0 12,668 0
VANGUARD REAL ESTATE ETF OTHER 922908553   128,990 1,540 SH   OTR 2 0 1,540 0
VANGUARD S&P 500 ETF OTHER 922908363   1,009,262 2,018 SH   OTR 2 0 2,018 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,189,190 5,454 SH   OTR 2 0 5,454 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   122,475 1,500 SH   OTR 2 0 1,500 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   301,937 12,015 SH   OTR 2 0 12,015 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   259,290 10,430 SH   OTR 2 0 10,430 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   260,472 10,935 SH   OTR 2 0 10,935 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   310,649 13,091 SH   OTR 2 0 13,091 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   260,011 10,497 SH   OTR 2 0 10,497 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   365,962 16,143 SH   OTR 2 0 16,143 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   367,075 17,266 SH   OTR 2 0 17,266 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   419,293 20,665 SH   OTR 2 0 20,665 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   418,429 17,037 SH   OTR 2 0 17,037 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   276,368 10,967 SH   OTR 2 0 10,967 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   509,932 21,942 SH   OTR 2 0 21,942 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   460,310 19,777 SH   OTR 2 0 19,777 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   76,860 1,500 SH   OTR 2 0 1,500 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   520,176 5,065 SH   OTR 2 0 5,065 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   179,358 1,782 SH   OTR 2 0 1,782 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   477,714 6,182 SH   OTR 2 0 6,182 0
ABBOTT LABS COMMON STOCK 002824100   83,336 802 SH   SOLE   802 0 0
ABBVIE INC COMMON STOCK 00287Y109   10,977 64 SH   SOLE   64 0 0
ADOBE INC COMMON STOCK 00724F101   122,219 220 SH   SOLE   220 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   232,970 1,279 SH   SOLE   1,279 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   143,068 780 SH   SOLE   780 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   18,220 400 SH   SOLE   400 0 0
AMAZON.COM INC COMMON STOCK 023135106   347,657 1,799 SH   SOLE   1,799 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   36,585 158 SH   SOLE   158 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   31,515 244 SH   SOLE   244 0 0
AMGEN INC COMMON STOCK 031162100   84,674 271 SH   SOLE   271 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   154,547 2,294 SH   SOLE   2,294 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   36,065 158 SH   SOLE   158 0 0
APA CORP COMMON STOCK 03743Q108   3,680 125 SH   SOLE   125 0 0
APPLE INC COMMON STOCK 037833100   1,491,611 7,082 SH   SOLE   7,082 0 0
ARCHROCK INC COMMON STOCK 03957W106   10,110 500 SH   SOLE   500 0 0
AT&T INC COMMON STOCK 00206R102   43,284 2,265 SH   SOLE   2,265 0 0
AUTODESK INC COMMON STOCK 052769106   22,271 90 SH   SOLE   90 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   16,708 70 SH   SOLE   70 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   107,101 2,693 SH   SOLE   2,693 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   150,109 369 SH   SOLE   369 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   109,437 139 SH   SOLE   139 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   7,923 2 SH   SOLE   2 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   51,373 1,237 SH   SOLE   1,237 0 0
CATERPILLAR INC COMMON STOCK 149123101   85,607 257 SH   SOLE   257 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   51,462 329 SH   SOLE   329 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   94,450 1,988 SH   SOLE   1,988 0 0
COCA COLA CO COMMON STOCK 191216100   129,337 2,032 SH   SOLE   2,032 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   23,387 241 SH   SOLE   241 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   63,481 555 SH   SOLE   555 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   24,442 95 SH   SOLE   95 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   167,448 197 SH   SOLE   197 0 0
CUMMINS INC COMMON STOCK 231021106   53,447 193 SH   SOLE   193 0 0
CVS HEALTH CORP COMMON STOCK 126650100   63,490 1,075 SH   SOLE   1,075 0 0
DANAHER CORP COMMON STOCK 235851102   88,947 356 SH   SOLE   356 0 0
DEERE & CO COMMON STOCK 244199105   22,418 60 SH   SOLE   60 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   4,551 33 SH   SOLE   33 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102   16,114 75 SH   SOLE   75 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   103,262 1,040 SH   SOLE   1,040 0 0
DOLLAR TREE INC COMMON STOCK 256746108   6,833 64 SH   SOLE   64 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   25,627 523 SH   SOLE   523 0 0
DOW INC COMMON STOCK 260557103   2,387 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,622 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   28,215 288 SH   SOLE   288 0 0
ECOLAB INC COMMON STOCK 278865100   7,140 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   21,133 39 SH   SOLE   39 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   157,484 1,368 SH   SOLE   1,368 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   26,986 90 SH   SOLE   90 0 0
GE AEROSPACE COMMON STOCK 369604301   79,485 500 SH   SOLE   500 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   97,088 1,246 SH   SOLE   1,246 0 0
GE VERNOVA LLC COMMON STOCK 36828A101   21,439 125 SH   SOLE   125 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   74,276 256 SH   SOLE   256 0 0
GENERAL MLS INC COMMON STOCK 370334104   18,978 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   36,186 80 SH   SOLE   80 0 0
HOME DEPOT INC COMMON STOCK 437076102   199,659 580 SH   SOLE   580 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   106,343 498 SH   SOLE   498 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   21,089 89 SH   SOLE   89 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   69,220 762 SH   SOLE   762 0 0
INTEL CORP COMMON STOCK 458140100   12,636 408 SH   SOLE   408 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   110,333 806 SH   SOLE   806 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   3,142 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   38,914 225 SH   SOLE   225 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   4,191 30 SH   SOLE   30 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   108,889 745 SH   SOLE   745 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   206,912 1,023 SH   SOLE   1,023 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,910 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   994 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,611 50 SH   SOLE   50 0 0
LENNAR CORP CL A COMMON STOCK 526057104   41,064 274 SH   SOLE   274 0 0
LILLY ELI & CO COMMON STOCK 532457108   141,239 156 SH   SOLE   156 0 0
LOWES COS INC COMMON STOCK 548661107   20,723 94 SH   SOLE   94 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   20,067 83 SH   SOLE   83 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   64,308 920 SH   SOLE   920 0 0
MASCO CORP COMMON STOCK 574599106   73,337 1,100 SH   SOLE   1,100 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   71,027 161 SH   SOLE   161 0 0
MCDONALDS CORP COMMON STOCK 580135101   95,310 374 SH   SOLE   374 0 0
MERCK & CO INC COMMON STOCK 58933Y105   398,141 3,216 SH   SOLE   3,216 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   194,629 386 SH   SOLE   386 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   23,607 258 SH   SOLE   258 0 0
MICROSOFT CORP COMMON STOCK 594918104   623,495 1,395 SH   SOLE   1,395 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   14,724 225 SH   SOLE   225 0 0
MORGAN STANLEY COMMON STOCK 617446448   32,947 339 SH   SOLE   339 0 0
NASDAQ INC COMMON STOCK 631103108   12,052 200 SH   SOLE   200 0 0
NETFLIX INC COMMON STOCK 64110L106   148,474 220 SH   SOLE   220 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   25,492 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   11,306 150 SH   SOLE   150 0 0
NVIDIA CORP COMMON STOCK 67066G104   508,985 4,120 SH   SOLE   4,120 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   226,626 1,605 SH   SOLE   1,605 0 0
ORGANON & CO COMMON STOCK 68622V106   6,665 322 SH   SOLE   322 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   62,378 184 SH   SOLE   184 0 0
PAYCHEX INC COMMON STOCK 704326107   14,820 125 SH   SOLE   125 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   16,248 280 SH   SOLE   280 0 0
PEPSICO INC COMMON STOCK 713448108   30,677 186 SH   SOLE   186 0 0
PFIZER INC COMMON STOCK 717081103   25,322 905 SH   SOLE   905 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   120,062 728 SH   SOLE   728 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   8,789 75 SH   SOLE   75 0 0
QUALCOMM INC COMMON STOCK 747525103   5,975 30 SH   SOLE   30 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   22,614 89 SH   SOLE   89 0 0
RTX CORPORATION COMMON STOCK 75513E101   24,094 240 SH   SOLE   240 0 0
SALESFORCE INC COMMON STOCK 79466L302   158,374 616 SH   SOLE   616 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   34,988 259 SH   SOLE   259 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   2,861 100 SH   SOLE   100 0 0
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109   6,730 1,000 SH   SOLE   1,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   29,038 373 SH   SOLE   373 0 0
STRYKER CORPORATION COMMON STOCK 863667101   140,183 412 SH   SOLE   412 0 0
SYSCO CORP COMMON STOCK 871829107   28,199 395 SH   SOLE   395 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   20,064 174 SH   SOLE   174 0 0
T-MOBILE US INC COMMON STOCK 872590104   56,906 323 SH   SOLE   323 0 0
TERADYNE INC COMMON STOCK 880770102   69,993 472 SH   SOLE   472 0 0
TESLA INC COMMON STOCK 88160R101   27,901 141 SH   SOLE   141 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   9,727 50 SH   SOLE   50 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   209,382 1,139 SH   SOLE   1,139 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   106,176 192 SH   SOLE   192 0 0
TJX COS INC COMMON STOCK 872540109   112,192 1,019 SH   SOLE   1,019 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   67,509 332 SH   SOLE   332 0 0
UNION PAC CORP COMMON STOCK 907818108   93,445 413 SH   SOLE   413 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   4,927 36 SH   SOLE   36 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   96,250 189 SH   SOLE   189 0 0
US BANCORP NEW COMMON STOCK 902973304   1,985 50 SH   SOLE   50 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   235,274 5,705 SH   SOLE   5,705 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   54,372 116 SH   SOLE   116 0 0
VISA INC CL A COMMON STOCK 92826C839   191,078 728 SH   SOLE   728 0 0
WALMART INC COMMON STOCK 931142103   83,960 1,240 SH   SOLE   1,240 0 0
WELLS FARGO & CO COMMON STOCK 949746101   16,213 273 SH   SOLE   273 0 0
WILLIAMS COS INC COMMON STOCK 969457100   109,098 2,567 SH   SOLE   2,567 0 0
YUM! BRANDS INC COMMON STOCK 988498101   56,958 430 SH   SOLE   430 0 0
NATIONAL GRID PLC SPONS ADR COMMON STOCK 636274409   183,634 3,233 SH   SOLE   3,233 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109   15,117 142 SH   SOLE   142 0 0
SANOFI SPONS ADR COMMON STOCK 80105N105   35,080 723 SH   SOLE   723 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   160 18 SH   SOLE   18 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   1,039,082 39,888 SH   SOLE   39,888 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   16,688 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   32,907 344 SH   SOLE   344 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   14,626 310 SH   SOLE   310 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   59,962 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   91,200 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   35,993 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   31,356 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   116,600 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   80,434 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   4,784,392 9,986 SH   SOLE   9,986 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,804,050 27,484 SH   SOLE   27,484 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   3,965,315 67,760 SH   SOLE   67,760 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   3,495,142 32,769 SH   SOLE   32,769 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   6,567 12 SH   SOLE   12 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   148,457 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   69,591 343 SH   SOLE   343 0 0
ISHARES SILVER TRUST OTHER 46428Q109   16,075 605 SH   SOLE   605 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   75,593 856 SH   SOLE   856 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   61,174 1,555 SH   SOLE   1,555 0 0
SPDR GOLD TRUST OTHER 78463V107   107,075 498 SH   SOLE   498 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   3,469,070 71,175 SH   SOLE   71,175 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,708 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   204,083 375 SH   SOLE   375 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   226,230 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   59,009 866 SH   SOLE   866 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   15,269 450 SH   SOLE   450 0 0
VANGUARD ENERGY ETF OTHER 92204A306   19,136 150 SH   SOLE   150 0 0
VANGUARD MID-CAP ETF OTHER 922908629   955,569 3,947 SH   SOLE   3,947 0 0
VANGUARD S&P 500 ETF OTHER 922908363   9,216,396 18,428 SH   SOLE   18,428 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   477,726 2,191 SH   SOLE   2,191 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,759 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   26,694 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   1,062,647 42,286 SH   SOLE   42,286 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   1,108,706 44,598 SH   SOLE   44,598 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   1,138,286 47,787 SH   SOLE   47,787 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   1,162,841 49,003 SH   SOLE   49,003 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   1,195,549 48,266 SH   SOLE   48,266 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   1,148,893 50,679 SH   SOLE   50,679 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   1,147,402 53,970 SH   SOLE   53,970 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   1,121,104 55,254 SH   SOLE   55,254 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   1,259,167 51,269 SH   SOLE   51,269 0 0
ISHARES IBONDS DEC 2033 CORP OTHER 46436E130   1,207,433 47,914 SH   SOLE   47,914 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   294,799 12,685 SH   SOLE   12,685 0 0
ISHARES IBONDS 2025 H/Y INC ET OTHER 46435U168   2,506,089 107,673 SH   SOLE   107,673 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   28,694 560 SH   SOLE   560 0 0
ISHARES 10-20 YEAR TREASURY BO OTHER 464288653   1,886,702 18,371 SH   SOLE   18,371 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   30,104 328 SH   SOLE   328 0 0
PIMCO ENHANCED SHORT MATURITY OTHER 72201R833   848,983 8,435 SH   SOLE   8,435 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   382,125 4,945 SH   SOLE   4,945 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   24,857 345 SH   SOLE   345 0 0
ABBOTT LABS COMMON STOCK 002824100   1,350,830 13,000 SH   DFND 3 13,000 0 0
ADOBE INC COMMON STOCK 00724F101   2,444,376 4,400 SH   DFND 3 4,400 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   696,735 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   5,792,370 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   5,411,000 28,000 SH   DFND 3 28,000 0 0
AMGEN INC COMMON STOCK 031162100   1,468,515 4,700 SH   DFND 3 4,700 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   1,751,620 26,000 SH   DFND 3 26,000 0 0
APPLE INC COMMON STOCK 037833100   8,846,040 42,000 SH   DFND 3 42,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   2,207,235 55,500 SH   DFND 3 55,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,074,680 5,100 SH   DFND 3 5,100 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,283,228 2,900 SH   DFND 3 2,900 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   941,460 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,098,530 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,032,372 6,600 SH   DFND 3 6,600 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,189,986 1,400 SH   DFND 3 1,400 0 0
DANAHER CORP COMMON STOCK 235851102   1,249,250 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   625,527 6,300 SH   DFND 3 6,300 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   392,000 8,000 SH   DFND 3 8,000 0 0
ECOLAB INC COMMON STOCK 278865100   357,000 1,500 SH   DFND 3 1,500 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   943,984 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   1,176,032 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   2,685,072 7,800 SH   DFND 3 7,800 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   1,921,860 9,000 SH   DFND 3 9,000 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   1,299,012 14,300 SH   DFND 3 14,300 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,012,283 14,700 SH   DFND 3 14,700 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,388,520 9,500 SH   DFND 3 9,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   2,528,250 12,500 SH   DFND 3 12,500 0 0
LENNAR CORP CL A COMMON STOCK 526057104   494,571 3,300 SH   DFND 3 3,300 0 0
LILLY ELI & CO COMMON STOCK 532457108   3,078,292 3,400 SH   DFND 3 3,400 0 0
MARVELL TECHNOLOGY INC COMMON STOCK 573874104   1,398,000 20,000 SH   DFND 3 20,000 0 0
MASCO CORP COMMON STOCK 574599106   2,000,100 30,000 SH   DFND 3 30,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   662,584 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   2,773,210 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   9,609,425 21,500 SH   DFND 3 21,500 0 0
MORGAN STANLEY COMMON STOCK 617446448   1,098,247 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,147,296 1,700 SH   DFND 3 1,700 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   389,455 5,500 SH   DFND 3 5,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   9,759,660 79,000 SH   DFND 3 79,000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   1,553,200 11,000 SH   DFND 3 11,000 0 0
PALO ALTO NETWORKS INC COMMON STOCK 697435105   542,416 1,600 SH   DFND 3 1,600 0 0
PEPSICO INC COMMON STOCK 713448108   1,599,821 9,700 SH   DFND 3 9,700 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   1,999,655 12,125 SH   DFND 3 12,125 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,545,290 9,900 SH   DFND 3 9,900 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   641,625 2,150 SH   DFND 3 2,150 0 0
SNOWFLAKE INC CL A COMMON STOCK 833445109   337,725 2,500 SH   DFND 3 2,500 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   709,766 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,463,075 4,300 SH   DFND 3 4,300 0 0
SYSCO CORP COMMON STOCK 871829107   535,425 7,500 SH   DFND 3 7,500 0 0
TERADYNE INC COMMON STOCK 880770102   741,450 5,000 SH   DFND 3 5,000 0 0
TESLA INC COMMON STOCK 88160R101   831,096 4,200 SH   DFND 3 4,200 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108   477,958 2,600 SH   DFND 3 2,600 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,267,300 4,100 SH   DFND 3 4,100 0 0
TJX COS INC COMMON STOCK 872540109   1,365,240 12,400 SH   DFND 3 12,400 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   1,629,632 3,200 SH   DFND 3 3,200 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   1,265,544 2,700 SH   DFND 3 2,700 0 0
VISA INC CL A COMMON STOCK 92826C839   1,496,079 5,700 SH   DFND 3 5,700 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   273,548 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   1,909,422 28,200 SH   DFND 3 28,200 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   1,706,720 8,000 SH   DFND 3 8,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,462,000 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   456,793 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,672,550 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   546,535 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   191,320 2,000 SH   DFND 3 2,000 0 0