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 FOREIGN EQUITIES G29183103 131 1,697 SH   SOLE 1,697 0 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 1,325 39,500 SH   SOLE 39,500 0 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 186 5,550 SH   DFND 5,550 0 0 0
SEADRILL LTD COMMON STOCK G7945E105 4 100 SH   SOLE 100 0 0 0
WHITE MTNS INS GROUP LTD COMMON STOCK G9618E107 61 100 SH   SOLE 100 0 0 0
XL GROUP PLC FOREIGN EQUITIES G98290102 14 440 SH   SOLE 440 0 0 0
AFLAC INC COMMON STOCK 001055102 5 79 SH   SOLE 79 0 0 0
AGL RESOURCES INC COMMON STOCK 001204106 25 451 SH   SOLE 451 0 0 0
ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 81 2,175 SH   SOLE 2,175 0 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 2,599 136,794 SH   SOLE 132,741 0 0 4,053
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 245 12,871 SH   DFND 12,871 0 0 0
AT&T INC COMMON STOCK 00206R102 5,200 147,072 SH   SOLE 147,072 0 0 0
AT&T INC COMMON STOCK 00206R102 1,028 29,072 SH   DFND 29,072 0 0 0
ABBOTT LABS COMMON STOCK 002824100 2,180 53,300 SH   SOLE 53,300 0 0 0
ABBOTT LABS COMMON STOCK 002824100 170 4,155 SH   DFND 4,155 0 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,700 47,841 SH   SOLE 47,841 0 0 0
ABBVIE INC COMMON STOCK 00287Y109 214 3,790 SH   DFND 3,790 0 0 0
AETNA INC NEW COMMON STOCK 00817Y108 41 500 SH   DFND 500 0 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 486 3,780 SH   SOLE 3,780 0 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 26 200 SH   DFND 200 0 0 0
ALCOA INC COMMON STOCK 013817101 46 3,084 SH   SOLE 3,084 0 0 0
ALCOA INC COMMON STOCK 013817101 60 4,000 SH   DFND 4,000 0 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 119 2,827 SH   SOLE 2,827 0 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 27 650 SH   DFND 650 0 0 0
AMAZON.COM INC COMMON STOCK 023135106 8 25 SH   SOLE 25 0 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 238 4,259 SH   SOLE 4,259 0 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 135 2,419 SH   DFND 2,419 0 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 77 812 SH   SOLE 812 0 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 4 SH   SOLE 4 0 0 0
AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH   DFND 10 0 0 0
AMERIGAS PARTNERS LP COMMON STOCK 030975106 36 800 SH   DFND 800 0 0 0
AMGEN INC COMMON STOCK 031162100 521 4,400 SH   SOLE 4,400 0 0 0
AMGEN INC COMMON STOCK 031162100 249 2,100 SH   DFND 2,100 0 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 66 600 SH   SOLE 600 0 0 0
APACHE CORP COMMON STOCK 037411105 794 7,888 SH   SOLE 7,888 0 0 0
APACHE CORP COMMON STOCK 037411105 169 1,680 SH   DFND 1,680 0 0 0
APPLE INC COMMON STOCK 037833100 1,558 16,770 SH   SOLE 16,770 0 0 0
APPLE INC COMMON STOCK 037833100 154 1,652 SH   DFND 1,652 0 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 15 648 SH   SOLE 648 0 0 0
ARROW FINANCIAL CORP COMMON STOCK 042744102 155 5,962 SH   DFND 5,962 0 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 67 5,000 SH   SOLE 5,000 0 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,876 36,279 SH   SOLE 36,139 0 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 427 5,382 SH   DFND 5,382 0 0 0
AVON PRODUCTS INC COMMON STOCK 054303102 15 1,000 SH   SOLE 1,000 0 0 0
BB&T CORP COMMON STOCK 054937107 192 4,875 SH   SOLE 4,875 0 0 0
BB&T CORP COMMON STOCK 054937107 28 700 SH   DFND 700 0 0 0
BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 7 132 SH   SOLE 132 0 0 0
BANK OF AMERICA CORPORATION COMMON STOCK 060505104 105 6,810 SH   SOLE 6,810 0 0 0
BANK OF MONTREAL FOREIGN EQUITIES 063671101 7 100 SH   DFND 100 0 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 281 7,505 SH   SOLE 7,505 0 0 0
BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 29 440 SH   SOLE 440 0 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 371 14,500 SH   SOLE 14,500 0 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 44 1,700 SH   DFND 1,700 0 0 0
BAXANO SURGICAL INC COM COMMON STOCK 071773105 3 5,175 SH   SOLE 3,225 0 0 1,950
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 36 500 SH   SOLE 500 0 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 14 200 SH   DFND 200 0 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 293 2,475 SH   SOLE 2,475 0 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 189 1,600 SH   DFND 1,600 0 0 0
BEMIS INC COMMON STOCK 081437105 784 19,275 SH   SOLE 19,275 0 0 0
BEMIS INC COMMON STOCK 081437105 203 5,000 SH   DFND 5,000 0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 133 1,053 SH   SOLE 1,053 0 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 26 1,127 SH   DFND 1,127 0 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 1,378 20,130 SH   SOLE 20,130 0 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 193 2,825 SH   DFND 2,825 0 0 0
BIOLIFE SOLUTIONS INC NEW COMMON STOCK 09062W204 1 250 SH   DFND 250 0 0 0
BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 33 1,500 SH   SOLE 1,500 0 0 0
BLACKROCK MUNIHLDGS NY QLTY COM NY TAX EXEMPT 09255C106 53 3,835 SH   SOLE 3,835 0 0 0
BOEING CO COMMON STOCK 097023105 446 3,509 SH   SOLE 3,509 0 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE 200 0 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 899 18,531 SH   SOLE 18,298 0 0 233
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 509 10,499 SH   DFND 10,499 0 0 0
BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 8 200 SH   DFND 200 0 0 0
BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 91 1,100 SH   DFND 1,100 0 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 447 7,010 SH   SOLE 7,010 0 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 29 450 SH   DFND 450 0 0 0
CME GROUP INC CL A COMMON STOCK 12572Q105 9 125 SH   SOLE 125 0 0 0
CVS/CAREMARK CORP COMMON STOCK 126650100 338 4,480 SH   SOLE 4,480 0 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 928 8,542 SH   SOLE 8,542 0 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 302 2,775 SH   DFND 2,775 0 0 0
CELGENE CORP COMMON STOCK 151020104 22 260 SH   SOLE 260 0 0 0
CENTERPOINT ENERGY INC COMMON STOCK 15189T107 3 100 SH   SOLE 100 0 0 0
CENTURYTEL INC COMMON STOCK 156700106 19 529 SH   SOLE 529 0 0 0
CHAMBERS STR PPTYS COMMON STOCK 157842105 10 1,266 SH   SOLE 1,266 0 0 0
CHEVRON CORP COMMON STOCK 166764100 3,406 26,090 SH   SOLE 26,018 0 0 72
CHEVRON CORP COMMON STOCK 166764100 957 7,334 SH   DFND 7,334 0 0 0
CHUBB CORP COMMON STOCK 171232101 935 10,140 SH   SOLE 10,032 0 0 108
CHUBB CORP COMMON STOCK 171232101 118 1,282 SH   DFND 1,282 0 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,138 86,056 SH   SOLE 86,056 0 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 424 17,050 SH   DFND 17,050 0 0 0
CITIGROUP INC COMMON STOCK 172967424 17 360 SH   SOLE 360 0 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 13 600 SH   SOLE 600 0 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 13 600 SH   SOLE 600 0 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 1,254 58,950 SH   SOLE 49,825 0 0 9,125
COCA COLA CO COMMON STOCK 191216100 4,229 99,839 SH   SOLE 99,628 0 0 211
COCA COLA CO COMMON STOCK 191216100 1,085 25,614 SH   DFND 25,614 0 0 0
COGNIZANT TECH SOLUTIONS CL A COMMON STOCK 192446102 6 116 SH   SOLE 116 0 0 0
COHEN & STEERS REIT & PREFERRED INC MUTUAL FUNDS INTL EQUITIES 19247X100 4 200 SH   SOLE 200 0 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 803 11,784 SH   SOLE 11,784 0 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 589 8,636 SH   DFND 8,636 0 0 0
COMCAST CORP COMMON STOCK 20030N101 246 4,579 SH   SOLE 4,579 0 0 0
COMCAST CORP COMMON STOCK 20030N101 4 81 SH   DFND 81 0 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 28,131 777,087 SH   SOLE 775,937 0 0 1,150
COMMUNITY BK SYS INC COMMON STOCK 203607106 28,885 797,934 SH   DFND 797,934 0 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 3 100 SH   SOLE 100 0 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 2,484 28,982 SH   SOLE 28,840 0 0 142
CONOCOPHILLIPS COMMON STOCK 20825C104 563 6,567 SH   DFND 6,567 0 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 479 8,295 SH   SOLE 8,295 0 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 49 850 SH   DFND 850 0 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 158 1,791 SH   SOLE 1,791 0 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 97 1,106 SH   DFND 1,106 0 0 0
CORNING INC COMMON STOCK 219350105 191 8,694 SH   SOLE 8,694 0 0 0
CORNING INC COMMON STOCK 219350105 15 690 SH   DFND 690 0 0 0
COVANCE INC COMMON STOCK 222816100 4 48 SH   SOLE 48 0 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 3 217 SH   SOLE 217 0 0 0
CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 1 100 SH   DFND 100 0 0 0
CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 2 93 SH   SOLE 93 0 0 0
CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 1 43 SH   DFND 43 0 0 0
CUMMINS INC COMMON STOCK 231021106 150 970 SH   SOLE 970 0 0 0
DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1,771 48,225 SH   SOLE 48,025 0 0 200
DARDEN RESTAURANTS INC COMMON STOCK 237194105 96 2,084 SH   SOLE 1,924 0 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 119 2,580 SH   DFND 2,580 0 0 0
DEERE & CO COMMON STOCK 244199105 31 339 SH   SOLE 339 0 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 127 1,600 SH   SOLE 1,600 0 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 111 1,400 SH   DFND 1,400 0 0 0
DISNEY WALT CO COMMON STOCK 254687106 1,355 15,800 SH   SOLE 15,800 0 0 0
DISNEY WALT CO COMMON STOCK 254687106 28 321 SH   DFND 321 0 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 2,383 33,323 SH   SOLE 33,323 0 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 758 10,600 SH   DFND 10,600 0 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 1,181 22,964 SH   SOLE 22,707 0 0 257
DOW CHEMICAL CO COMMON STOCK 260543103 250 4,868 SH   DFND 4,868 0 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 532 8,127 SH   SOLE 7,958 0 0 169
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 154 2,352 SH   DFND 2,352 0 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 360 4,856 SH   SOLE 4,856 0 0 0
E M C CORP MASS COMMON STOCK 268648102 584 22,159 SH   SOLE 22,159 0 0 0
E M C CORP MASS COMMON STOCK 268648102 23 884 SH   DFND 884 0 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 498 4,260 SH   SOLE 4,260 0 0 0
ELDORADO GOLD CORP NEW FOREIGN EQUITIES 284902103 3 452 SH   DFND 452 0 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 1,515 22,830 SH   SOLE 22,830 0 0 0
EMERSON ELECTRIC CO COMMON STOCK 291011104 61 925 SH   DFND 925 0 0 0
ENBRIDGE ENERGY PARTNERS L P COMMON STOCK 29250R106 7 200 SH   DFND 200 0 0 0
ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 6 100 SH   DFND 100 0 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 8 100 SH   DFND 100 0 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 235 3,008 SH   SOLE 2,856 0 0 152
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 8 100 SH   DFND 100 0 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 38 600 SH   SOLE 600 0 0 0
EXELON CORP COMMON STOCK 30161N101 833 22,841 SH   SOLE 22,841 0 0 0
EXELON CORP COMMON STOCK 30161N101 235 6,450 SH   DFND 6,450 0 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 17 250 SH   SOLE 250 0 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 7,569 75,181 SH   SOLE 75,181 0 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,311 13,025 SH   DFND 13,025 0 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 17 250 SH   SOLE 250 0 0 0
FASTENAL CO COMMON STOCK 311900104 257 5,200 SH   SOLE 5,200 0 0 0
FASTENAL CO COMMON STOCK 311900104 148 3,000 SH   DFND 3,000 0 0 0
FEDEX CORP COMMON STOCK 31428X106 55 361 SH   SOLE 361 0 0 0
FIRST TRUST BIOTECH ETF ETF/EQUITY 33733E203 9 112 SH   SOLE 112 0 0 0
FIRST TRUST DJ INTERNET ETF ETF/EQUITY 33733E302 9 146 SH   SOLE 146 0 0 0
FIRST TRUST CONS DISC ETF ETF/EQUITY 33734X101 8 251 SH   SOLE 251 0 0 0
FIRST TRUST CONS STAPLES ETF ETF/EQUITY 33734X119 9 220 SH   SOLE 220 0 0 0
FIRST TRUST FINANCIALS ETF ETF/EQUITY 33734X135 3 135 SH   SOLE 135 0 0 0
FIRST TRUST HEALTH CARE ETF ETF/EQUITY 33734X143 9 172 SH   SOLE 172 0 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 62 3,590 SH   SOLE 3,590 0 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 48 2,805 SH   DFND 2,805 0 0 0
FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 8 132 SH   DFND 132 0 0 0
FREEPORT-MCMORAN COPPER & GO COMMON STOCK 35671D857 7 180 SH   SOLE 180 0 0 0
FREEPORT-MCMORAN COPPER & GO COMMON STOCK 35671D857 183 5,000 SH   DFND 5,000 0 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 15 2,592 SH   SOLE 2,592 0 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 4 732 SH   DFND 732 0 0 0
GSV CAPITAL CORP COMMON STOCK 36191J101 3 300 SH   SOLE 300 0 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 291 2,500 SH   SOLE 2,500 0 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 23 200 SH   DFND 200 0 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 4,471 170,188 SH   SOLE 170,188 0 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,002 38,138 SH   DFND 38,138 0 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,640 31,209 SH   SOLE 31,209 0 0 0
GENERAL MILLS INC COMMON STOCK 370334104 526 10,020 SH   DFND 10,020 0 0 0
GENUINE PARTS CO COMMON STOCK 372460105 42 479 SH   SOLE 479 0 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 15 183 SH   SOLE 183 0 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR FOREIGN EQUITIES 37733W105 37 700 SH   SOLE 700 0 0 0
GLOBAL HIGH INCOME FUND INC COM MUTUAL FUNDS INTL FIXED INCOME 37933G108 5 500 SH   SOLE 500 0 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 25 150 SH   SOLE 150 0 0 0
GOOGLE INC CL A COMMON STOCK 38259P508 57 97 SH   SOLE 97 0 0 0
GOOGLE INC CL C COMMON STOCK 38259P706 56 97 SH   SOLE 97 0 0 0
HCP INC COMMON STOCK 40414L109 134 3,248 SH   SOLE 3,248 0 0 0
HCP INC COMMON STOCK 40414L109 95 2,303 SH   DFND 2,303 0 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 51 2,000 SH   DFND 2,000 0 0 0
HALLIBURTON CO COMMON STOCK 406216101 121 1,700 SH   SOLE 1,700 0 0 0
HANGER INC COMMON STOCK 41043F208 6 200 SH   SOLE 200 0 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 14 200 SH   SOLE 200 0 0 0
HERSHEY CO COMMON STOCK 427866108 146 1,500 SH   SOLE 1,500 0 0 0
HERSHEY CO COMMON STOCK 427866108 97 1,000 SH   DFND 1,000 0 0 0
HOME DEPOT INC COMMON STOCK 437076102 389 4,804 SH   SOLE 4,804 0 0 0
HOME DEPOT INC COMMON STOCK 437076102 118 1,456 SH   DFND 1,456 0 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 324 3,489 SH   SOLE 3,489 0 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 1 14 SH   SOLE 14 0 0 0
ICAD INC NEW COMMON STOCK 44934S206 13 2,000 SH   SOLE 2,000 0 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,262 25,833 SH   SOLE 25,833 0 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 304 3,475 SH   DFND 3,475 0 0 0
INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 32 12,000 SH   SOLE 12,000 0 0 0
INTEL CORP COMMON STOCK 458140100 3,566 115,427 SH   SOLE 115,087 0 0 340
INTEL CORP COMMON STOCK 458140100 744 24,088 SH   DFND 24,088 0 0 0
INTEGRYS ENERGY GROUP INC COMMON STOCK 45822P105 10 135 SH   SOLE 135 0 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 11,054 60,983 SH   SOLE 60,983 0 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 15,221 83,969 SH   DFND 83,969 0 0 0
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 323 3,100 SH   SOLE 3,100 0 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 6 113 SH   SOLE 113 0 0 0
ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 15 750 SH   SOLE 750 0 0 0
ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 38 1,872 SH   DFND 1,872 0 0 0
ISHARES INC MSCI BRAZIL ETF/INTERNATIONAL EQUITY 464286400 68 1,425 SH   SOLE 1,425 0 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 311 9,649 SH   SOLE 9,649 0 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 56 1,750 SH   DFND 1,750 0 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 523 8,700 SH   DFND 8,700 0 0 0
ISHARES INC MSCI EMU INDEX ETF/INTERNATIONAL EQUITY 464286608 3,287 77,700 SH   SOLE 77,425 0 0 275
ISHARES INC MSCI THAILAND ETF/INTERNATIONAL EQUITY 464286624 79 1,025 SH   SOLE 1,025 0 0 0
ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 24 495 SH   SOLE 495 0 0 0
ISHARES INC MSCI SINGAPORE ETF/INTERNATIONAL EQUITY 464286673 64 4,700 SH   SOLE 4,700 0 0 0
ISHARES INC MSCI TURKEY FD ETF/INTERNATIONAL EQUITY 464286715 117 2,100 SH   SOLE 2,100 0 0 0
ISHARES INC MSCI S KOREA ETF/INTERNATIONAL EQUITY 464286772 72 1,100 SH   SOLE 1,100 0 0 0
ISHARES INC MSCI STH AFRCA ETF/INTERNATIONAL EQUITY 464286780 14 200 SH   SOLE 200 0 0 0
ISHARES MSCI MEX CAP ETF ETF/INTERNATIONAL EQUITY 464286822 944 13,925 SH   SOLE 13,925 0 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 168 2,179 SH   SOLE 2,179 0 0 0
ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 118 1,021 SH   SOLE 1,021 0 0 0
ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 41,030 208,275 SH   SOLE 208,275 0 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 6,061 55,400 SH   SOLE 55,400 0 0 0
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 238 5,504 SH   SOLE 5,504 0 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 343 2,873 SH   SOLE 2,704 0 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 223 1,867 SH   DFND 1,867 0 0 0
ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 39 411 SH   SOLE 411 0 0 0
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 171 2,027 SH   SOLE 1,802 0 0 225
ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 29 343 SH   DFND 343 0 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,696 24,812 SH   SOLE 24,812 0 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1,001 14,640 SH   DFND 14,640 0 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 2,034 28,015 SH   SOLE 28,015 0 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 218 3,000 SH   DFND 3,000 0 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8,735 61,049 SH   SOLE 59,979 0 0 1,070
COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 10 110 SH   SOLE 110 0 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4,303 42,492 SH   SOLE 38,792 0 0 3,700
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,611 15,910 SH   DFND 15,910 0 0 0
ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 137 870 SH   SOLE 870 0 0 0
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 4,297 47,258 SH   SOLE 43,208 0 0 4,050
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1,867 20,531 SH   DFND 20,531 0 0 0
ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 59 570 SH   SOLE 570 0 0 0
ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 6 53 SH   SOLE 53 0 0 0
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 6,910 61,649 SH   SOLE 61,299 0 0 350
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1,890 16,862 SH   DFND 16,862 0 0 0
ISHARES TRUST ETF/EQUITY 464287846 5 52 SH   SOLE 52 0 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 174 3,625 SH   SOLE 3,625 0 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 84 2,100 SH   SOLE 2,100 0 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,932 30,800 SH   SOLE 30,800 0 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 758 60,000 SH   SOLE 60,000 0 0 0
ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 43 400 SH   SOLE 400 0 0 0
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 1,259 11,912 SH   SOLE 9,380 0 0 2,532
ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 23 214 SH   DFND 214 0 0 0
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3,684 92,339 SH   SOLE 90,164 0 0 2,175
ISHARES TR US PFD STK IDX ETF/OTHER 464288687 11 270 SH   DFND 270 0 0 0
ISHARES TR MSCI PERU CAP ETF/INTERNATIONAL EQUITY 464289842 42 1,175 SH   SOLE 1,175 0 0 0
ISHARES TR MSCI POL CAP ETF ETF/INTERNATIONAL EQUITY 46429B606 65 2,225 SH   SOLE 2,225 0 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 403 5,345 SH   SOLE 4,270 0 0 1,075
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 3,174 48,550 SH   SOLE 48,425 0 0 125
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 8,081 217,125 SH   SOLE 207,500 0 0 9,625
ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 23 225 SH   SOLE 225 0 0 0
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 22,451 360,946 SH   SOLE 360,671 0 0 275
ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 36 580 SH   DFND 580 0 0 0
ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 9,056 175,155 SH   SOLE 174,955 0 0 200
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,067 35,874 SH   SOLE 35,874 0 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 145 2,523 SH   DFND 2,523 0 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,565 62,749 SH   SOLE 62,635 0 0 114
JOHNSON & JOHNSON COMMON STOCK 478160104 1,285 12,278 SH   DFND 12,278 0 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 491 9,825 SH   SOLE 9,825 0 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 25 500 SH   DFND 500 0 0 0
KBR INC COMMON STOCK 48242W106 6 260 SH   SOLE 260 0 0 0
KEYCORP NEW COMMON STOCK 493267108 154 10,718 SH   SOLE 10,718 0 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 36 325 SH   SOLE 325 0 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 334 3,000 SH   DFND 3,000 0 0 0
KIMCO REALTY CORP COMMON STOCK 49446R109 58 2,535 SH   SOLE 2,535 0 0 0
KINDER MORGAN ENERGY PARTNERS LP COMMON STOCK 494550106 63 767 SH   SOLE 767 0 0 0
KINDER MORGAN ENERGY PARTNERS LP COMMON STOCK 494550106 16 200 SH   DFND 200 0 0 0
KINDER MORGAN INC DEL COMMON STOCK 49456B101 4 105 SH   SOLE 105 0 0 0
KINDER MORGAN INC DEL *W EXP 05/25/2017 WARRANTS & RIGHTS 49456B119 0 160 SH   SOLE 160 0 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 312 5,198 SH   SOLE 5,198 0 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 152 2,538 SH   DFND 2,538 0 0 0
LILLY ELI & CO COMMON STOCK 532457108 402 6,467 SH   SOLE 6,467 0 0 0
LILLY ELI & CO COMMON STOCK 532457108 153 2,466 SH   DFND 2,466 0 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 171 1,064 SH   SOLE 1,064 0 0 0
LORILLARD INC COMMON STOCK 544147101 18 300 SH   SOLE 300 0 0 0
LORILLARD INC COMMON STOCK 544147101 37 600 SH   DFND 600 0 0 0
LOWES COS INC COMMON STOCK 548661107 382 7,966 SH   SOLE 7,966 0 0 0
LOWES COS INC COMMON STOCK 548661107 8 160 SH   DFND 160 0 0 0
M & T BANK CORP COMMON STOCK 55261F104 241 1,946 SH   SOLE 1,946 0 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,241 10,000 SH   DFND 10,000 0 0 0
MGE ENERGY INC COMMON STOCK 55277P104 9 240 SH   SOLE 240 0 0 0
MANNATECH INC NEW COMMON STOCK 563771203 0 40 SH   DFND 40 0 0 0
MARATHON OIL CORP COMMON STOCK 565849106 30 760 SH   SOLE 760 0 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102 8 100 SH   SOLE 100 0 0 0
MARKET VECTORS AGRIBUS ETF ETF/EQUITY 57060U605 44 801 SH   SOLE 801 0 0 0
MARKET VECTORS ETF TR VIETNAM ETF ETF/INTERNATIONAL EQUITY 57060U761 66 3,175 SH   SOLE 3,175 0 0 0
MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 867 28,750 SH   SOLE 24,825 0 0 3,925
MASTERCARD INC CL A COMMON STOCK 57636Q104 15 205 SH   SOLE 205 0 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,039 10,313 SH   SOLE 10,225 0 0 88
MCDONALDS CORP COMMON STOCK 580135101 461 4,580 SH   DFND 4,580 0 0 0
MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 17 200 SH   SOLE 200 0 0 0
MCKESSON CORP COMMON STOCK 58155Q103 372 2,000 SH   DFND 2,000 0 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 15 1,100 SH   DFND 1,100 0 0 0
MEDTRONIC INC COMMON STOCK 585055106 391 6,128 SH   SOLE 6,128 0 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 152 4,750 SH   SOLE 4,750 0 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 96 3,000 SH   DFND 3,000 0 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,640 62,926 SH   SOLE 62,738 0 0 188
MERCK & CO INC NEW COMMON STOCK 58933Y105 800 13,833 SH   DFND 13,833 0 0 0
METLIFE INC COMMON STOCK 59156R108 11 200 SH   SOLE 200 0 0 0
METLIFE INC COMMON STOCK 59156R108 22 400 SH   DFND 400 0 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,491 59,741 SH   SOLE 59,466 0 0 275
MICROSOFT CORP COMMON STOCK 594918104 413 9,915 SH   DFND 9,915 0 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 837 6,706 SH   SOLE 6,706 0 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 50 400 SH   DFND 400 0 0 0
MORGAN STANLEY NEW COMMON STOCK 617446448 113 3,500 SH   SOLE 3,500 0 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH   SOLE 23 0 0 0
NBT BANCORP INC COMMON STOCK 628778102 481 20,005 SH   SOLE 20,005 0 0 0
NBT BANCORP INC COMMON STOCK 628778102 89 3,691 SH   DFND 3,691 0 0 0
NCR CORP NEW COMMON STOCK 62886E108 1 24 SH   SOLE 24 0 0 0
NATIONAL BK GREECE S A SPN ADR REP 1 SH FOREIGN EQUITIES 633643705 0 20 SH   SOLE 20 0 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 6 80 SH   SOLE 80 0 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 78 1,000 SH   DFND 1,000 0 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 4 50 SH   SOLE 50 0 0 0
NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 7 100 SH   DFND 100 0 0 0
NATURAL RESOURCE PARTNERS LP COMMON STOCK 63900P103 7 400 SH   DFND 400 0 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,132 11,050 SH   SOLE 11,050 0 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 379 3,700 SH   DFND 3,700 0 0 0
NIKE INC CL B COMMON STOCK 654106103 209 2,700 SH   SOLE 2,700 0 0 0
NIKE INC CL B COMMON STOCK 654106103 54 700 SH   DFND 700 0 0 0
NOBLE ENERGY INC COMMON STOCK 655044105 19 250 SH   SOLE 250 0 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1,337 12,973 SH   SOLE 12,973 0 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 175 1,700 SH   DFND 1,700 0 0 0
NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 10 400 SH   SOLE 400 0 0 0
NORTHEAST UTILITIES COMMON STOCK 664397106 26 551 SH   SOLE 551 0 0 0
NORTHERN TIER ENERGY LP COMMON STOCK 665826103 24 900 SH   DFND 900 0 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 101 844 SH   SOLE 844 0 0 0
NORWOOD FINANCIAL CORP COMMON STOCK 669549107 43 1,501 SH   SOLE 1,501 0 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2,902 32,054 SH   SOLE 32,054 0 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 647 7,150 SH   DFND 7,150 0 0 0
NUCOR CORP COMMON STOCK 670346105 1,497 30,397 SH   SOLE 30,397 0 0 0
NUCOR CORP COMMON STOCK 670346105 116 2,347 SH   DFND 2,347 0 0 0
NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 44 4,486 SH   SOLE 4,486 0 0 0
NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 5 500 SH   DFND 500 0 0 0
OGE ENERGY CORP COMMON STOCK 670837103 309 7,900 SH   SOLE 7,900 0 0 0
OGE ENERGY CORP COMMON STOCK 670837103 47 1,200 SH   DFND 1,200 0 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 134 1,305 SH   SOLE 1,305 0 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 23 400 SH   SOLE 400 0 0 0
ORACLE CORP COMMON STOCK 68389X105 403 9,942 SH   SOLE 9,942 0 0 0
ORACLE CORP COMMON STOCK 68389X105 20 500 SH   DFND 500 0 0 0
ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 16 1,000 SH   DFND 1,000 0 0 0
PDL BIOPHARMA INC COMMON STOCK 69329Y104 39 4,000 SH   DFND 4,000 0 0 0
PG&E CORP COMMON STOCK 69331C108 113 2,356 SH   SOLE 2,171 0 0 185
PG&E CORP COMMON STOCK 69331C108 116 2,407 SH   DFND 2,407 0 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 275 1,307 SH   SOLE 1,307 0 0 0
PPL CORP COMMON STOCK 69351T106 331 9,320 SH   SOLE 9,320 0 0 0
PPL CORP COMMON STOCK 69351T106 7 200 SH   DFND 200 0 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104 31 250 SH   SOLE 250 0 0 0
PAYCHEX INC COMMON STOCK 704326107 17 400 SH   SOLE 400 0 0 0
PAYCHEX INC COMMON STOCK 704326107 13 312 SH   DFND 312 0 0 0
PEOPLES FINL SVCS CORP COMMON STOCK 711040105 140 2,727 SH   SOLE 2,727 0 0 0
PEPCO HOLDINGS INC COMMON STOCK 713291102 5 200 SH   DFND 200 0 0 0
PEPSICO INC COMMON STOCK 713448108 4,029 45,094 SH   SOLE 44,982 0 0 112
PEPSICO INC COMMON STOCK 713448108 853 9,546 SH   DFND 9,546 0 0 0
PFIZER INC COMMON STOCK 717081103 2,254 75,954 SH   SOLE 75,626 0 0 328
PFIZER INC COMMON STOCK 717081103 240 8,075 SH   DFND 8,075 0 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 67 800 SH   SOLE 800 0 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 25 300 SH   DFND 300 0 0 0
PHILLIPS 66 COMMON STOCK 718546104 262 3,262 SH   SOLE 3,262 0 0 0
PHILLIPS 66 COMMON STOCK 718546104 286 3,557 SH   DFND 3,557 0 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 430 4,238 SH   SOLE 2,492 0 0 1,746
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 400 3,944 SH   DFND 3,944 0 0 0
PIMCO DYNAMIC INCOME FD SHS ETF/FIXED INCOME 72201Y101 17 500 SH   SOLE 500 0 0 0
PINNACLE WEST CPTLCORP COMMON STOCK 723484101 227 3,930 SH   SOLE 3,930 0 0 0
PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 36 600 SH   SOLE 600 0 0 0
PLUG POWER INC NEW COMMON STOCK 72919P202 0 3 SH   SOLE 3 0 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 1,160 30,564 SH   SOLE 30,564 0 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 176 4,625 SH   DFND 4,625 0 0 0
POWERSHARES QQQ TRUST UNIT SER 1 ETF/EQUITY 73935A104 4 46 SH   SOLE 46 0 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 9 500 SH   SOLE 500 0 0 0
POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 36 2,000 SH   DFND 2,000 0 0 0
POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH   SOLE 50 0 0 0
POWERSHARES DWA DEV MARKET MOM PORT ETF ETF/INTERNATIONAL EQUITY 73936Q108 142 5,401 SH   SOLE 5,401 0 0 0
POWERSHARES GLOBAL ETF TRUSTDEV MKTS EX-US ETF/INTERNATIONAL EQUITY 73936T789 1,626 35,700 SH   SOLE 35,500 0 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 14 170 SH   SOLE 170 0 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,743 60,349 SH   SOLE 60,232 0 0 117
PROCTER & GAMBLE CO COMMON STOCK 742718109 721 9,170 SH   DFND 9,170 0 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 204 SH   SOLE 204 0 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2,581 63,267 SH   SOLE 63,267 0 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 828 20,306 SH   DFND 20,306 0 0 0
QUALCOMM INC COMMON STOCK 747525103 509 6,427 SH   SOLE 6,427 0 0 0
QUALCOMM INC COMMON STOCK 747525103 120 1,510 SH   DFND 1,510 0 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102 6 180 SH   SOLE 180 0 0 0
RANGE RESOURCES CORP COMMON STOCK 75281A109 11 125 SH   SOLE 125 0 0 0
RAYTHEON CO NEW COMMON STOCK 755111507 23 250 SH   SOLE 250 0 0 0
REYNOLDS AMERICAN INC COMMON STOCK 761713106 15 250 SH   DFND 250 0 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 182 3,350 SH   SOLE 3,350 0 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 225 4,150 SH   DFND 4,150 0 0 0
RITE AID CORP COMMON STOCK 767754104 36 5,000 SH   SOLE 5,000 0 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 200 1,600 SH   SOLE 1,600 0 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 219 2,800 SH   SOLE 2,800 0 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 71 1,000 SH   DFND 1,000 0 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 641 7,787 SH   SOLE 7,787 0 0 0
ROYAL GOLD INC COMMON STOCK 780287108 5 63 SH   DFND 63 0 0 0
RUBICON MINERALS CORP FOREIGN EQUITIES 780911103 2 1,228 SH   DFND 1,228 0 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4,521 23,097 SH   SOLE 23,097 0 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 498 2,546 SH   DFND 2,546 0 0 0
SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 54 425 SH   SOLE 425 0 0 0
SPDR INDEX SHS FDS S&P EM MKT DIV ETF/INTERNATIONAL EQUITY 78463X533 145 3,625 SH   SOLE 3,625 0 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 81 1,575 SH   SOLE 1,575 0 0 0
SPDR INDEX SHS FDS MACQU GLBIN100 ETF/INTERNATIONAL EQUITY 78463X855 3 50 SH   SOLE 50 0 0 0
SPDR BARCLAYS CONVERTIBLE SECURITIES ETF ETF/OTHER 78464A359 43 860 SH   SOLE 860 0 0 0
SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 52 1,500 SH   SOLE 1,500 0 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 123 2,950 SH   SOLE 2,950 0 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 40 950 SH   DFND 950 0 0 0
SPDR SERIES TRUST BARC CAPTL ETF ETF/FIXED INCOME 78464A474 175 5,675 SH   SOLE 4,175 0 0 1,500
SPDR SERIES TRUST DB INT GVT ETF ETF/FIXED INCOME 78464A490 50 800 SH   SOLE 800 0 0 0
SPDR S&P BANK ETF ETF/EQUITY 78464A797 3 90 SH   SOLE 90 0 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,861 10,980 SH   SOLE 10,980 0 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2,048 7,862 SH   DFND 7,862 0 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 118 3,800 SH   SOLE 3,800 0 0 0
SABINE ROYALTY TR UNIT BEN INT COMMON STOCK 785688102 12 200 SH   SOLE 200 0 0 0
SAPIENT CORP COMMON STOCK 803062108 2 103 SH   SOLE 103 0 0 0
SCANA CORP NEW COMMON STOCK 80589M102 78 1,446 SH   SOLE 1,446 0 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,151 9,762 SH   SOLE 9,762 0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 388 7,080 SH   SOLE 7,080 0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 18 328 SH   DFND 328 0 0 0
MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 5 100 SH   SOLE 100 0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 575 9,450 SH   SOLE 9,450 0 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITY 81369Y308 4,115 92,250 SH   SOLE 90,525 0 0 1,725
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 753 33,125 SH   SOLE 29,550 0 0 3,575
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 532 13,875 SH   SOLE 13,875 0 0 0
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 262 6,844 SH   DFND 6,844 0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 70 1,575 SH   SOLE 1,575 0 0 0
SEMPRA ENERGY COMMON STOCK 816851109 2,148 20,515 SH   SOLE 20,515 0 0 0
SEMPRA ENERGY COMMON STOCK 816851109 366 3,500 SH   DFND 3,500 0 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 318 3,130 SH   SOLE 3,130 0 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 14 540 SH   DFND 540 0 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 79 1,800 SH   SOLE 1,800 0 0 0
SOUTHERN CO COMMON STOCK 842587107 338 7,458 SH   SOLE 7,458 0 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 157 3,704 SH   SOLE 3,426 0 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 152 3,570 SH   DFND 3,570 0 0 0
SPRINT CORP SER 1 COMMON STOCK 85207U105 0 26 SH   SOLE 26 0 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 88 1,000 SH   SOLE 1,000 0 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 176 2,000 SH   DFND 2,000 0 0 0
STARBUCKS CORP COMMON STOCK 855244109 83 1,075 SH   SOLE 1,075 0 0 0
STATE STREET CORP COMMON STOCK 857477103 164 2,445 SH   SOLE 2,445 0 0 0
STRYKER CORP COMMON STOCK 863667101 281 3,337 SH   SOLE 3,337 0 0 0
STRYKER CORP COMMON STOCK 863667101 51 600 SH   DFND 600 0 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 1 23 SH   SOLE 23 0 0 0
SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 0 10 SH   DFND 10 0 0 0
SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 107 2,500 SH   SOLE 2,500 0 0 0
SYMANTEC CORP COMMON STOCK 871503108 29 1,250 SH   SOLE 1,250 0 0 0
SYSCO CORP COMMON STOCK 871829107 1,340 35,775 SH   SOLE 35,775 0 0 0
SYSCO CORP COMMON STOCK 871829107 352 9,400 SH   DFND 9,400 0 0 0
TECO ENERGY INC COMMON STOCK 872375100 55 2,955 SH   SOLE 2,955 0 0 0
TARGET CORP COMMON STOCK 87612E106 447 7,708 SH   SOLE 7,708 0 0 0
TARGET CORP COMMON STOCK 87612E106 17 300 SH   DFND 300 0 0 0
TELEFONICA S A SPONSORED ADR FOREIGN EQUITIES 879382208 5 308 SH   DFND 308 0 0 0
TEMPLETON EMERG MKTS INCOME COM MUTUAL FUNDS INTL FIXED INCOME 880192109 3 250 SH   DFND 250 0 0 0
TENARIS S A SPONSORED ADR FOREIGN EQUITIES 88031M109 47 1,000 SH   SOLE 1,000 0 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 10 200 SH   SOLE 200 0 0 0
TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 10 200 SH   DFND 200 0 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 756 15,820 SH   SOLE 15,820 0 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 105 2,200 SH   DFND 2,200 0 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 21 180 SH   SOLE 180 0 0 0
3M COMPANY COMMON STOCK 88579Y101 4,676 32,646 SH   SOLE 32,646 0 0 0
3M COMPANY COMMON STOCK 88579Y101 659 4,600 SH   DFND 4,600 0 0 0
TIME INC NEW COM COMMON STOCK 887228104 3 120 SH   SOLE 97 0 0 23
TIME WARNER INC NEW COMMON STOCK 887317303 78 1,117 SH   SOLE 929 0 0 188
TOMPKINS TRUST CO INC COMMON STOCK 890110109 161 3,341 SH   SOLE 3,341 0 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 430 5,950 SH   SOLE 5,950 0 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 166 2,300 SH   DFND 2,300 0 0 0
TOYOTA MOTOR CORP SP ADR REP2COM FOREIGN EQUITIES 892331307 24 200 SH   SOLE 200 0 0 0
TRI CONTL CORP COM MUTUAL FUND EQUITIES 895436103 168 8,000 SH   SOLE 8,000 0 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349105 6 842 SH   DFND 842 0 0 0
UIL HOLDINGS CORP COMMON STOCK 902748102 27 698 SH   SOLE 698 0 0 0
US BANCORP DEL NEW COMMON STOCK 902973304 776 17,910 SH   SOLE 17,671 0 0 239
US BANCORP DEL NEW COMMON STOCK 902973304 112 2,582 SH   DFND 2,582 0 0 0
UNILEVER PLC SPON ADR NEW FOREIGN EQUITIES 904767704 5 100 SH   DFND 100 0 0 0
UNILEVER N V N Y SHS NEW FOREIGN EQUITIES 904784709 18 400 SH   SOLE 400 0 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1,423 13,858 SH   SOLE 13,762 0 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 203 1,973 SH   DFND 1,973 0 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,771 24,004 SH   SOLE 23,918 0 0 86
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 504 4,365 SH   DFND 4,365 0 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 913 11,165 SH   SOLE 11,165 0 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 49 600 SH   DFND 600 0 0 0
URBAN OUTFITTERS INC COMMON STOCK 917047102 3 80 SH   SOLE 80 0 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 41 821 SH   SOLE 821 0 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 4,818 61,809 SH   SOLE 61,809 0 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 540 6,928 SH   DFND 6,928 0 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 2,348 29,232 SH   SOLE 28,862 0 0 370
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 176 2,187 SH   DFND 2,187 0 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,699 20,659 SH   SOLE 19,764 0 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 759 9,233 SH   DFND 9,233 0 0 0
VANGUARD HIGH DIVIDEND YIELDETF ETF/EQUITY 921946406 17 250 SH   SOLE 250 0 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 5,112 99,450 SH   SOLE 99,200 0 0 250
VANGUARD WORLD FDS CONSUM STP ETF ETF/EQUITY 92204A207 23 200 SH   SOLE 200 0 0 0
VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 7 50 SH   SOLE 50 0 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 846 18,250 SH   SOLE 18,250 0 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 246 5,300 SH   DFND 5,300 0 0 0
VANGUARD WORLD FDS HEALTH CARE ETF ETF/EQUITY 92204A504 22 200 SH   SOLE 200 0 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 459 4,400 SH   DFND 4,400 0 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 430 4,450 SH   SOLE 4,450 0 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 29 300 SH   DFND 300 0 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 613 14,224 SH   SOLE 14,224 0 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 147 3,408 SH   DFND 3,408 0 0 0
VANGUARD INTL EQUITY INDEX FMEGA CAP GRO ETF ETF/INTERNATIONAL EQUITY 922042866 3 50 SH   SOLE 50 0 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 3,882 48,298 SH   SOLE 48,298 0 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 572 7,112 SH   DFND 7,112 0 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 81 837 SH   SOLE 837 0 0 0
VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 2,000 26,725 SH   SOLE 26,725 0 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 21 200 SH   SOLE 200 0 0 0
VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 170 1,430 SH   SOLE 1,430 0 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 205 1,750 SH   SOLE 1,750 0 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,333 88,553 SH   SOLE 88,370 0 0 183
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,040 21,256 SH   DFND 21,256 0 0 0
VIACOM INC NEW CL B COMMON STOCK 92553P201 22 250 SH   SOLE 250 0 0 0
VISA INC CL A COMMON STOCK 92826C839 174 825 SH   SOLE 825 0 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 10 291 SH   SOLE 291 0 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 5 161 SH   DFND 161 0 0 0
WGL HOLDINGS INC COMMON STOCK 92924F106 302 7,000 SH   SOLE 7,000 0 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,468 32,881 SH   SOLE 32,769 0 0 112
WAL MART STORES INC COMMON STOCK 931142103 505 6,728 SH   DFND 6,728 0 0 0
WALGREEN CO COMMON STOCK 931422109 723 9,750 SH   SOLE 9,750 0 0 0
WALGREEN CO COMMON STOCK 931422109 15 200 SH   DFND 200 0 0 0
WASHINGTON REAL ESTATE INVT SH BEN INT COMMON STOCK 939653101 10 400 SH   SOLE 400 0 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 18 400 SH   SOLE 400 0 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 21 475 SH   DFND 475 0 0 0
WELLPOINT INC COMMON STOCK 94973V107 444 4,125 SH   SOLE 4,125 0 0 0
WELLPOINT INC COMMON STOCK 94973V107 22 200 SH   DFND 200 0 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,052 20,016 SH   SOLE 20,016 0 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 18 350 SH   DFND 350 0 0 0
WILLIAMS COS INC DEL COMMON STOCK 969457100 42 715 SH   SOLE 715 0 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 176 3,750 SH   SOLE 3,750 0 0 0
WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 920 15,495 SH   SOLE 15,495 0 0 0
WISDOMTREE EMERGING MKTS SMALLCAP DIV ETF ETF/INTERNATIONAL EQUITY 97717W281 532 11,100 SH   DFND 11,100 0 0 0
WISDOMTREE TR BLMBG US BULL ETF/FIXED INCOME 97717W471 1,533 62,325 SH   SOLE 59,250 0 0 3,075
YAHOO INC COMMON STOCK 984332106 21 600 SH   SOLE 600 0 0 0
YAMANA GOLD INC FOREIGN EQUITIES 98462Y100 3 400 SH   DFND 400 0 0 0
YOU ON DEMAND HOLDINGS INC COMMON STOCK 98741R207 1 200 SH   SOLE 200 0 0 0
YUM BRANDS INC COMMON STOCK 988498101 8 100 SH   SOLE 100 0 0 0