The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103 95 1,437 SH   SOLE   1,437 0 0
ACE LTD SHS H0023R105 18 200 SH   SOLE   200 0 0
NOBLE CORPORATION NAMEN -AKT H5833N103 863 22,975 SH   SOLE   22,975 0 0
NOBLE CORPORATION NAMEN -AKT H5833N103 199 5,300 SH   DFND   5,300 0 0
TRANSOCEAN LTD REG SHS H8817H100 7 139 SH   SOLE   139 0 0
AFLAC INC COM 001055102 23 399 SH   SOLE   399 0 0
AGL RES INC COM 001204106 19 451 SH   SOLE   451 0 0
ALPS ETF TR ALERIAN MLP 00162Q866 2,581 144,666 SH   SOLE   140,613 0 4,053
ALPS ETF TR ALERIAN MLP 00162Q866 230 12,871 SH   DFND   12,871 0 0
AT&T INC COM 00206R102 4,354 123,039 SH   SOLE   123,039 0 0
AT&T INC COM 00206R102 948 26,786 SH   DFND   26,786 0 0
ABBOTT LABS COM 002824100 1,627 46,640 SH   SOLE   46,640 0 0
ABBOTT LABS COM 002824100 131 3,750 SH   DFND   3,750 0 0
ABBVIE INC COM 00287Y109 1,768 42,765 SH   SOLE   42,765 0 0
ABBVIE INC COM 00287Y109 130 3,150 SH   DFND   3,150 0 0
ADVANCED MICRO DE COM 007903107 1 200 SH   SOLE   200 0 0
AETNA INC NEW COM 00817Y108 16 250 SH   SOLE   250 0 0
AETNA INC NEW COM 00817Y108 32 500 SH   DFND   500 0 0
AIR PRODS & CHEMS COM 009158106 554 6,050 SH   SOLE   6,050 0 0
AIR PRODS & CHEMS COM 009158106 18 200 SH   DFND   200 0 0
ALCOA INC COM 013817101 36 4,559 SH   SOLE   4,559 0 0
ALCOA INC COM 013817101 31 4,000 SH   DFND   4,000 0 0
ALLIANT ENERGY CO COM 018802108 48 958 SH   SOLE   958 0 0
ALLSTATE CORP COM 020002101 26 532 SH   SOLE   532 0 0
ALTRIA GROUP INC COM 02209S103 99 2,827 SH   SOLE   2,827 0 0
ALTRIA GROUP INC COM 02209S103 23 650 SH   DFND   650 0 0
AMAZON COM INC COM 023135106 7 25 SH   SOLE   25 0 0
AMERICAN ELEC PWR COM 025537101 191 4,259 SH   SOLE   4,259 0 0
AMERICAN ELEC PWR COM 025537101 108 2,419 SH   DFND   2,419 0 0
AMERICAN EXPRESS COM 025816109 82 1,100 SH   SOLE   1,100 0 0
AMERICAN INTL GRO *W EXP 01/19/2021 026874156 0 4 SH   SOLE   4 0 0
AMERICAN INTL GRO *W EXP 01/19/2021 026874156 0 10 SH   DFND   10 0 0
AMERIGAS PARTNERS UNIT L P INT 030975106 40 800 SH   DFND   800 0 0
AMGEN INC COM 031162100 350 3,550 SH   SOLE   3,550 0 0
AMGEN INC COM 031162100 109 1,100 SH   DFND   1,100 0 0
ANADARKO PETE COR COM 032511107 52 600 SH   SOLE   600 0 0
ANALOG DEVICES IN COM 032654105 34 750 SH   SOLE   750 0 0
APACHE CORP COM 037411105 475 5,663 SH   SOLE   5,663 0 0
APACHE CORP COM 037411105 8 100 SH   DFND   100 0 0
APPLE INC COM 037833100 918 2,316 SH   SOLE   2,316 0 0
APPLE INC COM 037833100 89 224 SH   DFND   224 0 0
APPLIED MATLS INC COM 038222105 75 5,048 SH   SOLE   5,048 0 0
ARROW FINL CORP COM 042744102 143 5,788 SH   DFND   5,788 0 0
ASBURY AUTOMOTIVE COM 043436104 21 515 SH   SOLE   515 0 0
ASTORIA FINL CORP COM 046265104 65 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PR C COM 053015103 2,902 42,143 SH   SOLE   42,003 0 140
AUTOMATIC DATA PR C COM 053015103 405 5,882 SH   DFND   5,882 0 0
BB&T CORP COM 054937107 208 6,150 SH   SOLE   6,150 0 0
BB&T CORP COM 054937107 24 700 SH   DFND   700 0 0
BP PLC SPONSORED ADR 055622104 6 132 SH   SOLE   132 0 0
BANK OF AMERICA C COM 060505104 177 13,760 SH   SOLE   13,760 0 0
BANK OF AMERICA C COM 060505104 1 100 SH   DFND   100 0 0
BANK OF NEW YORK COM 064058100 234 8,330 SH   SOLE   8,330 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 06739H776 365 14,600 SH   SOLE   14,600 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 06739H776 43 1,700 SH   DFND   1,700 0 0
BAXANO SURGICAL I COM 071773105 13 5,575 SH   SOLE   3,625 0 1,950
BAXTER INTL INC COM 071813109 218 3,150 SH   SOLE   3,150 0 0
BAXTER INTL INC COM 071813109 14 200 SH   DFND   200 0 0
BECTON DICKINSON COM 075887109 254 2,575 SH   SOLE   2,575 0 0
BECTON DICKINSON COM 075887109 178 1,800 SH   DFND   1,800 0 0
BEMIS INC COM 081437105 977 24,975 SH   SOLE   24,975 0 0
BEMIS INC COM 081437105 207 5,300 SH   DFND   5,300 0 0
BERKSHIRE HATHAWA CL B NEW 084670702 118 1,053 SH   SOLE   1,053 0 0
BERKSHIRE HILLS B COM 084680107 31 1,127 SH   DFND   1,127 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 686 11,900 SH   SOLE   11,900 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 147 2,550 SH   DFND   2,550 0 0
BLACKROCK BUILD A SHS 09248X100 30 1,500 SH   SOLE   1,500 0 0
BLACKROCK MUNIHLD COM 09255C106 54 3,835 SH   SOLE   3,835 0 0
BOEING CO COM 097023105 443 4,325 SH   SOLE   4,325 0 0
BRIDGE BANCORP IN COM 108035106 5 200 SH   SOLE   200 0 0
BRISTOL MYERS SQU COM 110122108 1,006 22,506 SH   SOLE   22,273 0 233
BRISTOL MYERS SQU COM 110122108 514 11,499 SH   DFND   11,499 0 0
BROADRIDGE FINL S COM 11133T103 5 200 SH   DFND   200 0 0
BUCKEYE PARTNERS UNIT LTD PARTN 118230101 77 1,100 SH   DFND   1,100 0 0
C H ROBINSON WORL COM NEW 12541W209 168 2,975 SH   SOLE   2,975 0 0
C H ROBINSON WORL COM NEW 12541W209 8 150 SH   DFND   150 0 0
CIT GROUP INC COM NEW 125581801 10 204 SH   SOLE   204 0 0
CME GROUP INC COM 12572Q105 9 125 SH   SOLE   125 0 0
CVS CAREMARK/CORP COM 126650100 286 5,000 SH   SOLE   5,000 0 0
CATERPILLAR INC D COM 149123101 532 6,446 SH   SOLE   6,446 0 0
CATERPILLAR INC D COM 149123101 124 1,500 SH   DFND   1,500 0 0
CENTERPOINT ENERG COM 15189T107 2 100 SH   SOLE   100 0 0
CENTURYTEL INC COM 156700106 19 529 SH   SOLE   529 0 0
CHEVRON CORP COM 166764100 3,049 25,767 SH   SOLE   25,695 0 72
CHEVRON CORP COM 166764100 864 7,297 SH   DFND   7,297 0 0
CHUBB CORP COM 171232101 666 7,865 SH   SOLE   7,865 0 0
CHUBB CORP COM 171232101 102 1,200 SH   DFND   1,200 0 0
CISCO SYS INC COM 17275R102 1,576 64,787 SH   SOLE   64,787 0 0
CISCO SYS INC COM 17275R102 241 9,900 SH   DFND   9,900 0 0
CITIGROUP INC COM 172967424 21 430 SH   SOLE   430 0 0
COCA COLA CO COM 191216100 3,619 90,224 SH   SOLE   90,013 0 211
COCA COLA CO COM 191216100 873 21,777 SH   DFND   21,777 0 0
COHEN & STEERS RE COM 19247X100 3 200 SH   SOLE   200 0 0
COLGATE PALMOLIVE COM 194162103 628 10,954 SH   SOLE   10,954 0 0
COLGATE PALMOLIVE COM 194162103 523 9,136 SH   DFND   9,136 0 0
COMMUNITY BK SYS COM 203607106 27,730 899,164 SH   SOLE   898,014 0 1,150
COMMUNITY BK SYS COM 203607106 25,882 839,234 SH   DFND   839,234 0 0
CONAGRA FOODS INC COM 205887102 3 100 SH   SOLE   100 0 0
CONOCOPHILLIPS COM 20825C104 1,506 24,894 SH   SOLE   24,752 0 142
CONOCOPHILLIPS COM 20825C104 367 6,067 SH   DFND   6,067 0 0
CONSOLIDATED EDIS COM 209115104 368 6,305 SH   SOLE   6,305 0 0
CONSOLIDATED EDIS COM 209115104 6 100 SH   DFND   100 0 0
CONSTELLATION BRA CL A 21036P108 83 1,600 SH   SOLE   1,600 0 0
CONSTELLATION BRA CL A 21036P108 148 2,846 SH   DFND   2,846 0 0
CORNING INC COM 219350105 239 16,800 SH   SOLE   16,800 0 0
CORNING INC COM 219350105 10 690 SH   DFND   690 0 0
COVANCE INC COM 222816100 4 48 SH   SOLE   48 0 0
CUMMINS INC COM 231021106 87 800 SH   SOLE   800 0 0
CURTISS WRIGHT CO COM 231561101 30 800 SH   SOLE   800 0 0
DARDEN RESTAURANT COM 237194105 113 2,234 SH   SOLE   2,074 0 160
DARDEN RESTAURANT COM 237194105 130 2,580 SH   DFND   2,580 0 0
DEERE & CO COM 244199105 28 339 SH   SOLE   339 0 0
DEVON ENERGY CORP COM 25179M103 156 3,000 SH   SOLE   3,000 0 0
DEVON ENERGY CORP COM 25179M103 73 1,400 SH   DFND   1,400 0 0
DISNEY WALT CO COM 254687106 938 14,854 SH   SOLE   14,854 0 0
DISNEY WALT CO COM 254687106 7 112 SH   DFND   112 0 0
DOMINION RES INC COM 25746U109 2,143 37,728 SH   SOLE   37,728 0 0
DOMINION RES INC COM 25746U109 602 10,600 SH   DFND   10,600 0 0
DOW CHEM CO COM 260543103 912 28,364 SH   SOLE   28,107 0 257
DOW CHEM CO COM 260543103 160 4,968 SH   DFND   4,968 0 0
DU PONT E I DE NE COM 263534109 440 8,377 SH   SOLE   8,208 0 169
DU PONT E I DE NE COM 263534109 123 2,352 SH   DFND   2,352 0 0
DUKE ENERGY CORP COM NEW 26441C204 334 4,943 SH   SOLE   4,943 0 0
E M C CORP MASS COM 268648102 239 10,109 SH   SOLE   10,109 0 0
EOG RES INC COM 26875P101 316 2,400 SH   SOLE   2,400 0 0
ELDORADO GOLD COR COM 284902103 3 452 SH   DFND   452 0 0
EMERSON ELEC CO COM 291011104 1,357 24,890 SH   SOLE   24,890 0 0
EMERSON ELEC CO COM 291011104 53 975 SH   DFND   975 0 0
ENBRIDGE ENERGY P COM 29250R106 6 200 SH   DFND   200 0 0
ENTERGY CORP NEW COM 29364G103 2 27 SH   SOLE   27 0 0
ENTERGY CORP NEW COM 29364G103 7 100 SH   DFND   100 0 0
ENTERPRISE PRODS COM 293792107 202 3,258 SH   SOLE   3,106 0 152
ENTERPRISE PRODS COM 293792107 6 100 SH   DFND   100 0 0
EXELON CORP COM 30161N101 1,001 32,425 SH   SOLE   32,425 0 0
EXELON CORP COM 30161N101 241 7,800 SH   DFND   7,800 0 0
EXIDE TECHNOLOGIE COM NEW 302051206 1 9,300 SH   SOLE   9,300 0 0
EXPRESS SCRIPTS H COM 30219G108 6 100 SH   SOLE   100 0 0
EXXON MOBIL CORP COM 30231G102 6,706 74,224 SH   SOLE   74,224 0 0
EXXON MOBIL CORP COM 30231G102 1,218 13,485 SH   DFND   13,485 0 0
FNB CORP PA COM 302520101 42 3,454 SH   SOLE   3,454 0 0
FACEBOOK INC CL A 30303M102 6 250 SH   SOLE   250 0 0
FASTENAL CO COM 311900104 252 5,500 SH   SOLE   5,500 0 0
FASTENAL CO COM 311900104 137 3,000 SH   DFND   3,000 0 0
FEDEX CORP COM 31428X106 28 281 SH   SOLE   281 0 0
FISERV INC COM 337738108 44 500 SH   SOLE   500 0 0
FIRSTENERGY CORP COM 337932107 72 1,933 SH   SOLE   1,752 0 181
FIRSTENERGY CORP COM 337932107 88 2,367 SH   DFND   2,367 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,824 57,875 SH   SOLE   57,875 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 56 3,590 SH   SOLE   3,590 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 59 3,805 SH   DFND   3,805 0 0
FRANCE TELECOM SPONSORED ADR 35177Q105 9 1,000 SH   DFND   1,000 0 0
FRANCO NEVADA COR COM 351858105 5 132 SH   DFND   132 0 0
FREEPORT-MCMORAN COM 35671D857 138 5,000 SH   DFND   5,000 0 0
FRONTIER COMMUNIC COM 35906A108 1 192 SH   SOLE   192 0 0
FRONTIER COMMUNIC COM 35906A108 3 732 SH   DFND   732 0 0
GSV CAP CORP COM 36191J101 2 300 SH   SOLE   300 0 0
GENERAL DYNAMICS COM 369550108 196 2,500 SH   SOLE   2,500 0 0
GENERAL DYNAMICS COM 369550108 16 200 SH   DFND   200 0 0
GENERAL ELEC CO COM 369604103 4,558 196,652 SH   SOLE   196,652 0 0
GENERAL ELEC CO COM 369604103 852 36,738 SH   DFND   36,738 0 0
GENERAL MILLS INC COM 370334104 1,353 27,878 SH   SOLE   27,878 0 0
GENERAL MILLS INC COM 370334104 438 9,020 SH   DFND   9,020 0 0
GENERAL MTRS CO COM 37045V100 5 162 SH   SOLE   162 0 0
GENERAL MOTORS CO /10/16 37045V118 4 146 SH   SOLE   146 0 0
GENERAL MOTORS CO /10/19 37045V126 2 146 SH   SOLE   146 0 0
GENIE ENERGY LTD CL B 372284208 27 3,000 SH   SOLE   3,000 0 0
GENUINE PARTS CO COM 372460105 37 479 SH   SOLE   479 0 0
GILEAD SCIENCES I COM 375558103 34 663 SH   SOLE   663 0 0
GLAXOSMITHKLINE P SPONSORED ADR 37733W105 35 700 SH   SOLE   700 0 0
GLOBAL HIGH INCOM COM 37933G108 5 500 SH   SOLE   500 0 0
GOLDMAN SACHS GRO COM 38141G104 23 150 SH   SOLE   150 0 0
GOOGLE INC CL A 38259P508 72 82 SH   SOLE   82 0 0
HCP INC COM 40414L109 148 3,248 SH   SOLE   3,248 0 0
HCP INC COM 40414L109 105 2,303 SH   DFND   2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A 404280604 50 2,000 SH   SOLE   2,000 0 0
HALLIBURTON CO COM 406216101 79 1,900 SH   SOLE   1,900 0 0
HANGER INC COM NEW 41043F208 6 200 SH   SOLE   200 0 0
HARLEY DAVIDSON I COM 412822108 11 200 SH   SOLE   200 0 0
HERSHEY CO COM 427866108 134 1,500 SH   SOLE   1,500 0 0
HERSHEY CO COM 427866108 89 1,000 SH   DFND   1,000 0 0
HILLSHIRE BRANDS COM 432589109 6 191 SH   SOLE   191 0 0
HOME DEPOT INC COM 437076102 379 4,893 SH   SOLE   4,893 0 0
HOME DEPOT INC COM 437076102 113 1,456 SH   DFND   1,456 0 0
HONEYWELL INTL IN COM 438516106 368 4,639 SH   SOLE   4,639 0 0
ICAD INC COM NEW 44934S206 12 2,000 SH   SOLE   2,000 0 0
ILLINOIS TOOL WKS COM 452308109 1,911 27,631 SH   SOLE   27,631 0 0
ILLINOIS TOOL WKS COM 452308109 306 4,425 SH   DFND   4,425 0 0
INERGY L P UNIT LTD PTNR 456615103 3 217 SH   SOLE   217 0 0
INERGY L P UNIT LTD PTNR 456615103 2 100 SH   DFND   100 0 0
INTEL CORP COM 458140100 2,347 96,902 SH   SOLE   96,562 0 340
INTEL CORP COM 458140100 493 20,338 SH   DFND   20,338 0 0
INTEGRYS ENERGY G COM 45822P105 76 1,293 SH   SOLE   1,148 0 145
INTEGRYS ENERGY G COM 45822P105 109 1,871 SH   DFND   1,871 0 0
INTL BUSINESS MAC COM 459200101 6,122 32,032 SH   SOLE   32,032 0 0
INTL BUSINESS MAC COM 459200101 16,066 84,069 SH   DFND   84,069 0 0
INTERNATIONAL FLA COM 459506101 233 3,100 SH   SOLE   3,100 0 0
ISHARES SILVER TR ISHARES 46428Q109 71 3,750 SH   SOLE   3,750 0 0
ISHARES SILVER TR ISHARES 46428Q109 35 1,872 SH   DFND   1,872 0 0
ISHARES INC MSCI AUSTRALIA 464286103 59 2,600 SH   SOLE   2,600 0 0
ISHARES INC MSCI BRAZIL 464286400 63 1,425 SH   SOLE   1,425 0 0
ISHARES INC MSCI CDA INDEX 464286509 1,250 47,814 SH   SOLE   47,364 0 450
ISHARES INC MSCI CDA INDEX 464286509 46 1,750 SH   DFND   1,750 0 0
ISHARES INC MSCI EMU INDEX 464286608 2,138 65,850 SH   SOLE   65,700 0 150
ISHARES INC MSCI THAILAND 464286624 88 1,125 SH   SOLE   1,125 0 0
ISHARES INC MSCI PAC J IDX 464286665 21 495 SH   SOLE   495 0 0
ISHARES INC MSCI SINGAPORE 464286673 60 4,700 SH   SOLE   4,700 0 0
ISHARES INC MSCI TURKEY FD 464286715 131 2,200 SH   SOLE   2,200 0 0
ISHARES INC MSCI TAIWAN 464286731 53 3,950 SH   SOLE   3,950 0 0
ISHARES INC MSCI S KOREA 464286772 64 1,200 SH   SOLE   1,200 0 0
ISHARES INC MSCI STH AFRCA 464286780 12 200 SH   SOLE   200 0 0
ISHARES TR DJ SEL DIV INX 464287168 148 2,309 SH   SOLE   2,309 0 0
I SHARES BARCLAYS FUND 464287176 178 1,588 SH   SOLE   1,588 0 0
I SHARES CORE TOT MARKET ETF 464287226 4,326 40,350 SH   SOLE   40,350 0 0
I SHARES MSCI EME INDEX FUND 464287234 233 6,064 SH   SOLE   6,064 0 0
ISHARES TR IBOXX INV CPBD 464287242 371 3,264 SH   SOLE   3,095 0 169
ISHARES TR IBOXX INV CPBD 464287242 219 1,929 SH   DFND   1,929 0 0
ISHARES TR S&P GBL HLTHCR 464287325 27 365 SH   SOLE   365 0 0
ISHARES TR 1-3 YR TRS BD 464287457 101 1,195 SH   SOLE   970 0 225
ISHARES TR 1-3 YR TRS BD 464287457 29 343 SH   DFND   343 0 0
ISHARES TR RUSSELL MCP VL 464287473 1,606 27,730 SH   SOLE   27,730 0 0
ISHARES TR RUSSELL MCP VL 464287473 214 3,700 SH   DFND   3,700 0 0
ISHARES TR S&P MIDCAP 400 464287507 9,936 86,025 SH   SOLE   84,955 0 1,070
COHEN & STEERS IN FUND 464287564 9 110 SH   SOLE   110 0 0
ISHARES TR RUSSEL GROWTH INDEX FUND 464287614 4,840 66,542 SH   SOLE   62,492 0 4,050
ISHARES TR RUSSEL GROWTH INDEX FUND 464287614 343 4,717 SH   DFND   4,717 0 0
ISHARES TR RUSL 2000 VALU 464287630 113 1,315 SH   SOLE   1,315 0 0
I SHARES CORE S&P ETF 464287804 11,505 127,393 SH   SOLE   126,343 0 1,050
I SHARES CORE S&P ETF 464287804 266 2,942 SH   DFND   2,942 0 0
ISHARES TR JPMORGAN USD 464288281 1,972 18,000 SH   SOLE   18,000 0 0
ISHARES TR HIGH YLD CORP 464288513 2,836 31,210 SH   SOLE   31,210 0 0
ISHARES TR BARCLYS MBS BD 464288588 32 300 SH   SOLE   300 0 0
ISHARES TR BARCLYS 1-3YR CR 464288646 2,430 23,139 SH   SOLE   20,507 0 2,632
ISHARES TR BARCLYS 1-3YR CR 464288646 22 214 SH   DFND   214 0 0
ISHARES TR US PFD STK IDX 464288687 3,596 91,562 SH   SOLE   89,387 0 2,175
ISHARES TR US PFD STK IDX 464288687 11 270 SH   DFND   270 0 0
ISHARES TR S&P GL UTILITI 464288711 5 119 SH   SOLE   119 0 0
ISHARES TR MSCI PERU CAP 464289842 33 975 SH   SOLE   975 0 0
ISHARES TR MSCI POLAND CAP 46429B606 54 2,225 SH   SOLE   2,225 0 0
ISHARES TR HGH DIV EQT FD 46429B663 318 4,795 SH   SOLE   3,720 0 1,075
ISHARES TR EAFE MIN VOLAT 46429B689 1,430 25,000 SH   SOLE   25,000 0 0
ISHARES TR USA MIN VOL ID 46429B697 8,219 252,420 SH   SOLE   242,520 0 9,900
ISHARES TR BRC 0-5 YR TIP 46429B747 2,377 23,615 SH   SOLE   22,465 0 1,150
ISHARES TR CORE MSCI EAFE 46432F842 16,028 311,525 SH   SOLE   311,200 0 325
ISHARES INC CORE MSCI EMKT 46434G103 8,812 191,320 SH   SOLE   191,120 0 200
JP MORGAN CHASE & COM 46625H100 1,826 34,585 SH   SOLE   34,585 0 0
JP MORGAN CHASE & COM 46625H100 131 2,473 SH   DFND   2,473 0 0
JOHNSON & JOHNSON COM 478160104 5,599 65,215 SH   SOLE   65,101 0 114
JOHNSON & JOHNSON COM 478160104 1,048 12,203 SH   DFND   12,203 0 0
JOHNSON CTLS INC COM 478366107 395 11,050 SH   SOLE   11,050 0 0
JOHNSON CTLS INC COM 478366107 18 500 SH   DFND   500 0 0
KAYNE ANDERSON EN RETURN FUND 48660P104 24 800 SH   DFND   800 0 0
KELLOGG CO COM 487836108 32 500 SH   SOLE   500 0 0
KEYCORP NEW COM 493267108 134 12,118 SH   SOLE   12,118 0 0
KIMBERLY CLARK CO COM 494368103 32 325 SH   SOLE   325 0 0
KIMBERLY CLARK CO COM 494368103 291 3,000 SH   DFND   3,000 0 0
KIMCO RLTY CORP COM 49446R109 54 2,535 SH   SOLE   2,535 0 0
KINDER MORGAN ENE UT LTD PARTNER 494550106 66 767 SH   SOLE   767 0 0
KINDER MORGAN ENE UT LTD PARTNER 494550106 9 100 SH   DFND   100 0 0
KINDER MORGAN INC COM 49456B101 4 105 SH   SOLE   105 0 0
KINDER MORGAN INC *W EXP 05/25/2017 49456B119 1 160 SH   SOLE   160 0 0
KRAFT FOODS GROUP COM 50076Q106 347 6,205 SH   SOLE   6,089 0 116
KRAFT FOODS GROUP COM 50076Q106 129 2,313 SH   DFND   2,313 0 0
LILLY ELI & CO COM 532457108 398 8,102 SH   SOLE   7,933 0 169
LILLY ELI & CO COM 532457108 121 2,466 SH   DFND   2,466 0 0
LOCKHEED MARTIN C COM 539830109 103 950 SH   SOLE   950 0 0
LORILLARD INC COM 544147101 13 300 SH   SOLE   300 0 0
LORILLARD INC COM 544147101 39 900 SH   DFND   900 0 0
LOWES COS INC COM 548661107 227 5,562 SH   SOLE   5,562 0 0
M & T BK CORP COM 55261F104 119 1,066 SH   SOLE   1,066 0 0
M & T BK CORP COM 55261F104 1,118 10,000 SH   DFND   10,000 0 0
MANNATECH INC COM NEW 563771203 0 40 SH   DFND   40 0 0
MARATHON PETE COR COM 56585A102 7 100 SH   SOLE   100 0 0
MARKET VECTORS ET RUSSIA ETF 57060U506 61 2,425 SH   SOLE   2,425 0 0
MARKET VECTORS ET AGRIBUS ETF 57060U605 10 200 SH   SOLE   200 0 0
MARKET VECTORS ET VIETNAM ETF 57060U761 59 3,175 SH   SOLE   3,175 0 0
MCDONALDS CORP COM 580135101 829 8,372 SH   SOLE   8,284 0 88
MCDONALDS CORP COM 580135101 446 4,505 SH   DFND   4,505 0 0
MCGRAW HILL FINL COM 580645109 11 200 SH   SOLE   200 0 0
MCKESSON CORP COM 58155Q103 115 1,000 SH   SOLE   1,000 0 0
MCKESSON CORP COM 58155Q103 229 2,000 SH   DFND   2,000 0 0
MEDICAL PPTYS TRU COM 58463J304 14 1,000 SH   DFND   1,000 0 0
MEDTRONIC INC COM 585055106 400 7,778 SH   SOLE   7,778 0 0
MERCHANTS BANCSHA COM 588448100 140 4,750 SH   SOLE   4,750 0 0
MERCHANTS BANCSHA COM 588448100 89 3,000 SH   DFND   3,000 0 0
MERCK & CO INC NE COM 58933Y105 2,708 58,297 SH   SOLE   58,109 0 188
MERCK & CO INC NE COM 58933Y105 526 11,326 SH   DFND   11,326 0 0
METLIFE INC COM 59156R108 30 650 SH   SOLE   650 0 0
METLIFE INC COM 59156R108 18 400 SH   DFND   400 0 0
MICROSOFT CORP COM 594918104 2,146 62,145 SH   SOLE   61,870 0 275
MICROSOFT CORP COM 594918104 324 9,391 SH   DFND   9,391 0 0
MORGAN STANLEY COM NEW 617446448 92 3,780 SH   SOLE   3,780 0 0
MOSAIC CO NEW COM 61945C103 1 23 SH   SOLE   23 0 0
NBT BANCORP INC COM 628778102 318 15,005 SH   SOLE   15,005 0 0
NBT BANCORP INC COM 628778102 68 3,191 SH   DFND   3,191 0 0
NATIONAL BK GREEC SPN ADR REP 1 SH 633643705 0 20 SH   SOLE   20 0 0
NATIONAL FUEL GAS COM 636180101 5 80 SH   SOLE   80 0 0
NATIONAL FUEL GAS COM 636180101 58 1,000 SH   DFND   1,000 0 0
NATIONAL GRID PLC SPON ADR NEW 636274300 3 50 SH   SOLE   50 0 0
NATIONAL GRID PLC SPON ADR NEW 636274300 6 100 SH   DFND   100 0 0
NATURAL RESOURCES P 63900P103 8 400 SH   DFND   400 0 0
NEW GOLD INC CDA COM 644535106 3 450 SH   DFND   450 0 0
NEXTERA ENERGY IN COM 65339F101 978 12,000 SH   SOLE   12,000 0 0
NEXTERA ENERGY IN COM 65339F101 301 3,700 SH   DFND   3,700 0 0
NIKE INC CL B 654106103 204 3,200 SH   SOLE   3,200 0 0
NIKE INC CL B 654106103 51 800 SH   DFND   800 0 0
NOBLE ENERGY INC COM 655044105 15 250 SH   SOLE   250 0 0
NORFOLK SOUTHERN COM 655844108 1,014 13,958 SH   SOLE   13,958 0 0
NORFOLK SOUTHERN COM 655844108 131 1,800 SH   DFND   1,800 0 0
NORTH EUROPEAN OI SH BEN INT 659310106 10 400 SH   SOLE   400 0 0
NORTHEAST UTILS COM 664397106 23 551 SH   SOLE   551 0 0
NORTHROP GRUMMAN COM 666807102 66 800 SH   SOLE   800 0 0
NORWOOD FINANCIAL COM 669549107 44 1,501 SH   SOLE   1,501 0 0
NOVARTIS A G SPONSORED ADR 66987V109 2,286 32,334 SH   SOLE   32,334 0 0
NOVARTIS A G SPONSORED ADR 66987V109 506 7,150 SH   DFND   7,150 0 0
NUCOR CORP COM 670346105 1,093 25,240 SH   SOLE   25,240 0 0
NUCOR CORP COM 670346105 95 2,200 SH   DFND   2,200 0 0
NUVEEN SELECT TAX SH BEN INT 67062F100 32 2,363 SH   SOLE   2,363 0 0
NUVEEN NY MUN VAL COM 67062M105 57 5,886 SH   SOLE   5,886 0 0
NUVEEN NY MUN VAL COM 67062M105 5 500 SH   DFND   500 0 0
NUVEEN SELECT TAX SH BEN INT 67063C106 13 989 SH   SOLE   989 0 0
OGE ENERGY CORP COM 670837103 334 4,900 SH   SOLE   4,900 0 0
OGE ENERGY CORP COM 670837103 41 600 SH   DFND   600 0 0
OCCIDENTAL PETE C COM 674599105 96 1,075 SH   SOLE   1,075 0 0
OLIN CORP COM PAR $1 680665205 12 500 SH   SOLE   500 0 0
OMNICOM GROUP INC COM 681919106 28 450 SH   SOLE   450 0 0
ORACLE CORP COM 68389X105 361 11,747 SH   SOLE   11,747 0 0
ORACLE CORP COM 68389X105 15 500 SH   DFND   500 0 0
PG&E CORP COM 69331C108 108 2,356 SH   SOLE   2,171 0 185
PG&E CORP COM 69331C108 110 2,407 SH   DFND   2,407 0 0
PPG INDS INC COM 693506107 265 1,807 SH   SOLE   1,807 0 0
PPL CORP COM 69351T106 335 11,075 SH   SOLE   11,075 0 0
PPL CORP COM 69351T106 6 200 SH   DFND   200 0 0
PARKER HANNIFIN C COM 701094104 33 350 SH   SOLE   350 0 0
PAYCHEX INC COM 704326107 5 135 SH   SOLE   135 0 0
PAYCHEX INC COM 704326107 11 312 SH   DFND   312 0 0
PEPCO HOLDINGS IN COM 713291102 4 200 SH   DFND   200 0 0
PEPSICO INC COM 713448108 3,932 48,076 SH   SOLE   47,964 0 112
PEPSICO INC COM 713448108 711 8,696 SH   DFND   8,696 0 0
PERMIAN BASIN RTY UNIT BEN INT 714236106 3 200 SH   SOLE   200 0 0
PFIZER INC COM 717081103 2,195 78,378 SH   SOLE   78,050 0 328
PFIZER INC COM 717081103 243 8,675 SH   DFND   8,675 0 0
PHILIP MORRIS INT COM 718172109 115 1,323 SH   SOLE   1,323 0 0
PHILIP MORRIS INT COM 718172109 26 300 SH   DFND   300 0 0
PHILLIPS 66 COM 718546104 632 10,729 SH   SOLE   10,729 0 0
PHILLIPS 66 COM 718546104 233 3,957 SH   DFND   3,957 0 0
PIMCO EHHANCED SH ETF 72201R833 3,057 30,188 SH   SOLE   28,442 0 1,746
PIMCO EHHANCED SH ETF 72201R833 399 3,944 SH   DFND   3,944 0 0
PIMCO DYNAMIC INC SHS 72201Y101 15 500 SH   SOLE   500 0 0
"PLAINS ALL AMERI E, LLP 726503105 33 600 SH   SOLE   600 0 0
PLUG POWER INC COM NEW 72919P202 0 3 SH   SOLE   3 0 0
POTASH CORP SASK COM 73755L107 871 22,848 SH   SOLE   22,848 0 0
POTASH CORP SASK COM 73755L107 141 3,700 SH   DFND   3,700 0 0
POWERSHARES QQQ T UNIT SER 1 73935A104 4,087 57,350 SH   SOLE   56,350 0 1,000
POWERSHARES DB CM UNIT BEN INT 73935S105 5 200 SH   SOLE   200 0 0
POWERSHARES ETF T FINL PFD PTFL 73935X229 9 500 SH   SOLE   500 0 0
POWERSHARES ETF T FINL PFD PTFL 73935X229 36 2,000 SH   DFND   2,000 0 0
POWERSHARES ETF T WATER RESOURCE 73935X575 1 50 SH   SOLE   50 0 0
POWERSHARES ETF T SENIOR LN PORT 73936Q769 2,425 97,975 SH   SOLE   93,750 0 4,225
POWERSHARES GLOBA I-30 LAD TREAS 73936T524 8 274 SH   SOLE   274 0 0
PRINCIPAL FINL GR COM 74251V102 7 200 SH   SOLE   200 0 0
PROCTER & GAMBLE COM 742718109 4,863 63,161 SH   SOLE   63,044 0 117
PROCTER & GAMBLE COM 742718109 705 9,156 SH   DFND   9,156 0 0
PROGRESSIVE CORP COM 743315103 25 1,000 SH   SOLE   1,000 0 0
PRUDENTIAL FINL I COM 744320102 29 391 SH   SOLE   391 0 0
PUBLIC SVC ENTERP COM 744573106 1,563 47,883 SH   SOLE   47,883 0 0
PUBLIC SVC ENTERP COM 744573106 554 16,958 SH   DFND   16,958 0 0
QUALCOMM INC COM 747525103 446 7,298 SH   SOLE   7,298 0 0
QUALCOMM INC COM 747525103 92 1,510 SH   DFND   1,510 0 0
RANGE RES CORP COM 75281A109 10 125 SH   SOLE   125 0 0
RAYTHEON CO COM NEW 755111507 66 1,000 SH   SOLE   1,000 0 0
REYNOLDS AMERICAN COM 761713106 12 250 SH   DFND   250 0 0
RIO TINTO PLC SPONSORED ADR 767204100 90 2,200 SH   SOLE   2,200 0 0
RIO TINTO PLC SPONSORED ADR 767204100 168 4,100 SH   DFND   4,100 0 0
RITE AID CORP COM 767754104 14 5,000 SH   SOLE   5,000 0 0
ROCKWELL AUTOMATI COM 773903109 42 500 SH   SOLE   500 0 0
ROYAL BK CDA MONT COM 780087102 58 1,000 SH   DFND   1,000 0 0
ROYAL DUTCH SHELL SPONS ADR A 780259206 513 8,037 SH   SOLE   8,037 0 0
ROYAL GOLD INC COM 780287108 3 63 SH   DFND   63 0 0
RUBICON MINERALS COM 780911103 2 1,228 SH   DFND   1,228 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 78 658 SH   SOLE   658 0 0
SPDR INDEX SHS FD S&P INTL ETF 78463X772 47 1,075 SH   SOLE   1,075 0 0
SPDR INDEX SHS FD MACQU GLBIN100 78463X855 2 50 SH   SOLE   50 0 0
SPDR BARCLAYS CON SECURITIES ETF 78464A359 93 2,180 SH   SOLE   2,180 0 0
SPDR BARCLAYS HIG BOND ETF 78464A417 147 3,725 SH   SOLE   3,725 0 0
SPDR BARCLAYS HIG BOND ETF 78464A417 38 950 SH   DFND   950 0 0
SPDR SERIES TRUST BARC CAPTL ETF 78464A474 892 29,150 SH   SOLE   23,725 0 5,425
SPDR SERIES TRUST DB INT GVT ETF 78464A490 50 875 SH   SOLE   875 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 20 300 SH   SOLE   300 0 0
SPDR S&P MIDCAP 4 UTSER1 S&PDCRP 78467Y107 3,376 16,068 SH   SOLE   16,068 0 0
SPDR S&P MIDCAP 4 UTSER1 S&PDCRP 78467Y107 378 1,799 SH   DFND   1,799 0 0
SPDR BARCLAYS SHO HIGH YIELD BOND ETF 78468R408 3,811 126,270 SH   SOLE   120,645 0 5,625
SABINE ROYALTY TR UNIT BEN INT 785688102 10 200 SH   SOLE   200 0 0
SAPIENT CORP COM 803062108 1 103 SH   SOLE   103 0 0
SCANA CORP NEW COM 80589M102 71 1,446 SH   SOLE   1,446 0 0
SCHWAB STRATEGIC US SML CAP ETF 808524607 8 186 SH   SOLE   186 0 0
SELECT SECTOR SPD SBI MATERIALS 81369Y100 4 100 SH   SOLE   100 0 0
SELECT SECTOR SPD SBI CONS STPLS 81369Y308 34 850 SH   SOLE   850 0 0
SELECT SECTOR SPD SBI INT-INDS 81369Y704 1,377 32,300 SH   SOLE   30,625 0 1,675
SELECT SECTOR SPD SBI INT-TECH 81369Y803 101 3,300 SH   SOLE   3,300 0 0
SELECT SECTOR SPD SBI INT-TECH 81369Y803 209 6,844 SH   DFND   6,844 0 0
SELECT SECTOR SPD SBI INT-UTILS 81369Y886 80 2,118 SH   SOLE   2,118 0 0
SEMPRA ENERGY COM 816851109 1,865 22,815 SH   SOLE   22,815 0 0
SEMPRA ENERGY COM 816851109 309 3,775 SH   DFND   3,775 0 0
SIGMA ALDRICH COR COM 826552101 252 3,130 SH   SOLE   3,130 0 0
SILVER WHEATON CO COM 828336107 11 540 SH   DFND   540 0 0
SONOCO PRODS CO COM 835495102 62 1,800 SH   SOLE   1,800 0 0
SOUTHERN CO COM 842587107 351 7,948 SH   SOLE   7,948 0 0
SPECTRA ENERGY CO COM 847560109 128 3,704 SH   SOLE   3,426 0 278
SPECTRA ENERGY CO COM 847560109 123 3,570 SH   DFND   3,570 0 0
SPRINT NEXTEL COR COM 852061100 1 100 SH   SOLE   100 0 0
STANLEY BLACK & D COM 854502101 792 10,250 SH   SOLE   10,250 0 0
STANLEY BLACK & D COM 854502101 209 2,700 SH   DFND   2,700 0 0
STARBUCKS CORP COM 855244109 84 1,275 SH   SOLE   1,275 0 0
STATE STR CORP COM 857477103 159 2,445 SH   SOLE   2,445 0 0
STRYKER CORP COM 863667101 104 1,610 SH   SOLE   1,610 0 0
STRYKER CORP COM 863667101 13 200 SH   DFND   200 0 0
SUBURBAN PROPANE UNIT LTD PARTN 864482104 1 23 SH   SOLE   23 0 0
SUBURBAN PROPANE UNIT LTD PARTN 864482104 0 10 SH   DFND   10 0 0
SUNCOR ENERGY INC COM 867224107 74 2,500 SH   SOLE   2,500 0 0
SYMANTEC CORP COM 871503108 55 2,455 SH   SOLE   2,455 0 0
SYSCO CORP COM 871829107 1,312 38,425 SH   SOLE   38,425 0 0
SYSCO CORP COM 871829107 328 9,600 SH   DFND   9,600 0 0
TECO ENERGY INC COM 872375100 51 2,955 SH   SOLE   2,955 0 0
TARGET CORP COM 87612E106 655 9,508 SH   SOLE   9,508 0 0
TARGET CORP COM 87612E106 21 300 SH   DFND   300 0 0
TELEFONICA S A SPONSORED ADR 879382208 4 308 SH   DFND   308 0 0
TEMPLETON EMERG M COM 880192109 4 250 SH   DFND   250 0 0
TENARIS S A SPONSORED ADR 88031M109 40 1,000 SH   SOLE   1,000 0 0
TEVA PHARMACEUTIC ADR 881624209 8 200 SH   SOLE   200 0 0
TEVA PHARMACEUTIC ADR 881624209 8 200 SH   DFND   200 0 0
TEXAS INSTRS INC COM 882508104 614 17,620 SH   SOLE   17,620 0 0
TEXAS INSTRS INC COM 882508104 77 2,200 SH   DFND   2,200 0 0
THERMO FISHER SCI COM 883556102 47 558 SH   SOLE   558 0 0
3M CO COM 88579Y101 4,057 37,100 SH   SOLE   37,100 0 0
3M CO COM 88579Y101 662 6,050 SH   DFND   6,050 0 0
TIME WARNER INC COM NEW 887317303 71 1,230 SH   SOLE   1,042 0 188
TOMPKINS TRUST CO COM 890110109 151 3,341 SH   SOLE   3,341 0 0
TOTAL S A SPONSORED ADR 89151E109 261 5,350 SH   SOLE   5,350 0 0
TOTAL S A SPONSORED ADR 89181E109 112 2,300 SH   DFND   2,300 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 24 200 SH   SOLE   200 0 0
TRI CONTL CORP COM 895436103 143 8,000 SH   SOLE   8,000 0 0
TRUSTCO BK CORP N COM 898349105 5 842 SH   DFND   842 0 0
UIL HLDG CORP COM 902748102 32 847 SH   SOLE   847 0 0
US BANCORP DEL COM NEW 902973304 80 2,200 SH   SOLE   2,200 0 0
US BANCORP DEL COM NEW 902973304 72 2,000 SH   DFND   2,000 0 0
UNILEVER PLC SPON ADR NEW 904767704 4 100 SH   DFND   100 0 0
UNILEVER N V N Y SHS NEW 904784709 16 400 SH   SOLE   400 0 0
UNITED PARCEL SER CL B 911312106 1,359 15,721 SH   SOLE   15,721 0 0
UNITED PARCEL SER CL B 911312106 251 2,900 SH   DFND   2,900 0 0
UNITED TECHNOLOGI COM 913017109 2,348 25,265 SH   SOLE   25,265 0 0
UNITED TECHNOLOGI COM 913017109 400 4,300 SH   DFND   4,300 0 0
UNITEDHEALTH GROU COM 91324P102 759 11,600 SH   SOLE   11,600 0 0
UNITEDHEALTH GROU COM 91324P102 33 500 SH   DFND   500 0 0
VALERO ENERGY COR COM 91913Y100 29 821 SH   SOLE   821 0 0
VANGUARD SPECIALI DIV APP ETF 921908844 8,017 121,104 SH   SOLE   114,729 0 6,375
VANGUARD SPECIALI DIV APP ETF 921908844 459 6,928 SH   DFND   6,928 0 0
VANGUARD BD INDEX SHORT TRM BOND 921937827 1,991 24,870 SH   SOLE   24,500 0 370
VANGUARD BD INDEX SHORT TRM BOND 921937827 160 2,000 SH   DFND   2,000 0 0
VANGUARD BD INDEX TOTAL BND MRKT 921937835 1,996 24,682 SH   SOLE   23,787 0 895
VANGUARD BD INDEX TOTAL BND MRKT 921937835 732 9,050 SH   DFND   9,050 0 0
VANGUARD HIGH DIV ETF 921946406 25 450 SH   SOLE   450 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 20 200 SH   SOLE   200 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 6 50 SH   SOLE   50 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,236 30,975 SH   SOLE   30,975 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 215 5,400 SH   DFND   5,400 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 17 200 SH   SOLE   200 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 20 250 SH   SOLE   250 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 359 4,400 SH   DFND   4,400 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 20 275 SH   SOLE   275 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 333 4,050 SH   SOLE   4,050 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 25 300 SH   DFND   300 0 0
VANGUARD MSCI EME MARKETS ETF 922042858 232 5,974 SH   SOLE   5,974 0 0
VANGUARD MSCI EME MARKETS ETF 922042858 210 5,408 SH   DFND   5,408 0 0
VANGUARD SCOTTSDA SHRT-TERM CORP 92206C409 3,070 38,813 SH   SOLE   38,813 0 0
VANGUARD SCOTTSDA SHRT-TERM CORP 92206C409 530 6,700 SH   DFND   6,700 0 0
VANGUARD INDEX FD REIT ETF 922908553 1,837 26,725 SH   SOLE   26,200 0 525
VANGUARD INDEX FD SM CP VAL ETF 922908611 17 200 SH   SOLE   200 0 0
VANGUARD INDEX FD MID CAP ETF 922908629 138 1,451 SH   SOLE   1,451 0 0
VANGUARD INDEX FD SMALL CP ETF 922908751 173 1,850 SH   SOLE   1,850 0 0
VERIZON COMMUNICA COM 92343V104 4,051 80,481 SH   SOLE   80,298 0 183
VERIZON COMMUNICA COM 92343V104 910 18,078 SH   DFND   18,078 0 0
VIACOM INC NEW CL B 92553P201 17 250 SH   SOLE   250 0 0
VISA INC COM CL A 92826C839 196 1,075 SH   SOLE   1,075 0 0
VODAFONE GROUP PL SPONS ADR NEW 92857W209 9 297 SH   DFND   297 0 0
VULCAN MATLS CO COM 929160109 121 2,500 SH   SOLE   2,500 0 0
WGL HLDGS INC COM 92924F106 17 400 SH   SOLE   400 0 0
WAL MART STORES I COM 931142103 2,515 33,769 SH   SOLE   33,657 0 112
WAL MART STORES I COM 931142103 501 6,728 SH   DFND   6,728 0 0
WALGREEN CO COM 931422109 491 11,100 SH   SOLE   11,100 0 0
WALGREEN CO COM 931422109 9 200 SH   DFND   200 0 0
WASHINGTON REAL E SH BEN INT 939653101 11 400 SH   SOLE   400 0 0
WASTE MGMT INC DE COM 94106L109 16 400 SH   SOLE   400 0 0
WASTE MGMT INC DE COM 94106L109 19 475 SH   DFND   475 0 0
WELLPOINT INC COM 94973V107 366 4,470 SH   SOLE   4,470 0 0
WELLPOINT INC COM 94973V107 16 200 SH   DFND   200 0 0
WELLS FARGO & CO COM 949746101 858 20,779 SH   SOLE   20,779 0 0
WELLS FARGO & CO COM 949746101 8 200 SH   DFND   200 0 0
WILLIAMS COS INC COM 969457100 42 1,294 SH   SOLE   1,044 0 250
WISCONSIN ENERGY COM 976657106 187 4,572 SH   SOLE   4,572 0 0
WISDOMTREE TRUST EMERG MKTS ETF 97717W315 175 3,625 SH   SOLE   3,625 0 0
WISDOMTREE TRUST INTL MIDCAP DV 97717W778 44 875 SH   SOLE   875 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867 615 12,800 SH   SOLE   12,500 0 300
WPX ENERGY INC COM 98212B103 2 100 SH   SOLE   100 0 0
YAMANA GOLD INC COM 98462Y100 4 400 SH   DFND   400 0 0
ZIMMER HLDGS INC COM 98956P102 90 1,200 SH   SOLE   1,200 0 0