0000909012-15-000045.txt : 20150203 0000909012-15-000045.hdr.sgml : 20150203 20150203150548 ACCESSION NUMBER: 0000909012-15-000045 CONFORMED SUBMISSION TYPE: 13F-HR/A PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20140930 FILED AS OF DATE: 20150203 DATE AS OF CHANGE: 20150203 EFFECTIVENESS DATE: 20150203 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COMMUNITY BANK SYSTEM, INC. CENTRAL INDEX KEY: 0000723188 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 161213679 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR/A SEC ACT: 1934 Act SEC FILE NUMBER: 028-11044 FILM NUMBER: 15570590 BUSINESS ADDRESS: STREET 1: 5790 WIDEWATERS PKWY CITY: DEWITT STATE: NY ZIP: 13214 BUSINESS PHONE: 8007242262 MAIL ADDRESS: STREET 1: 5790 WIDEWATERS PARKWAY CITY: DEWITT STATE: NY ZIP: 13214 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc DATE OF NAME CHANGE: 20130729 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc. DATE OF NAME CHANGE: 20130726 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK SYSTEM INC DATE OF NAME CHANGE: 19920703 13F-HR/A 1 primary_doc.xml 13F-HR/A LIVE false false false 0000723188 XXXXXXXX 09-30-2014 09-30-2014 true 1 RESTATEMENT COMMUNITY BANK SYSTEM, INC.

5790 WIDEWATERS PARKWAY DEWITT NY 13214

13F HOLDINGS REPORT 028-11044 N Patricia Lowe 607 433 4129 /s/ PATRICIA LOWE Oneonta NY 02-03-2015 0 534 456908 false INFORMATION TABLE 2 aci_13f.xml EATON CORP PLC FOREIGN EQUITIES G29183103 108 1697 SH SOLE 1697 0 0 NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 956 43050 SH SOLE 43050 0 0 NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 133 6000 SH DFND 6000 0 0 SEADRILL LTD COMMON STOCK G7945E105 3 100 SH SOLE 100 0 0 XL GROUP PLC FOREIGN EQUITIES G98290102 15 440 SH SOLE 440 0 0 ACCO BRANDS CORP COM COMMON STOCK 00081T108 13 1906 SH SOLE 1906 0 0 AFLAC INC COMMON STOCK 001055102 21 354 SH SOLE 354 0 0 AGL RESOURCES INC COMMON STOCK 001204106 23 451 SH SOLE 451 0 0 ALPS ETF TR SECTR DIV DOGS ETF/EQUITY 00162Q858 81 2175 SH SOLE 2175 0 0 ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 451 23521 SH SOLE 23521 0 0 ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 247 12871 SH DFND 12871 0 0 AT&T INC COMMON STOCK 00206R102 5125 145473 SH SOLE 145473 0 0 AT&T INC COMMON STOCK 00206R102 1046 29702 SH DFND 29702 0 0 ABBOTT LABS COMMON STOCK 002824100 2000 48100 SH SOLE 48100 0 0 ABBOTT LABS COMMON STOCK 002824100 164 3955 SH DFND 3955 0 0 ABBVIE INC COMMON STOCK 00287Y109 2803 48520 SH SOLE 48520 0 0 ABBVIE INC COMMON STOCK 00287Y109 346 5990 SH DFND 5990 0 0 AETNA INC NEW COMMON STOCK 00817Y108 41 500 SH DFND 500 0 0 AIR PRODS & CHEMS INC COMMON STOCK 009158106 257 1975 SH SOLE 1975 0 0 AIR PRODS & CHEMS INC COMMON STOCK 009158106 26 200 SH DFND 200 0 0 ALCOA INC COMMON STOCK 013817101 46 2884 SH SOLE 2884 0 0 ALCOA INC COMMON STOCK 013817101 64 4000 SH DFND 4000 0 0 ALIBABA GROUP HLD COMMON STOCK 01609W102 9 100 SH SOLE 100 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 904 19682 SH SOLE 19682 0 0 ALTRIA GROUP INC COMMON STOCK 02209S103 30 650 SH DFND 650 0 0 AMAZON.COM INC COMMON STOCK 023135106 8 25 SH SOLE 25 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 222 4259 SH SOLE 4259 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 126 2419 SH DFND 2419 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 71 812 SH SOLE 812 0 0 AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 4 SH SOLE 4 0 0 AMERICAN INTL GROUP INC *W EXP 01/19/2021 WARRANTS & RIGHTS 026874156 0 10 SH DFND 10 0 0 AMERIGAS PARTNERS LP COMMON STOCK 030975106 36 800 SH DFND 800 0 0 AMGEN INC COMMON STOCK 031162100 576 4100 SH SOLE 4100 0 0 AMGEN INC COMMON STOCK 031162100 295 2100 SH DFND 2100 0 0 ANADARKO PETROLEUM CORP COMMON STOCK 032511107 61 600 SH SOLE 600 0 0 APACHE CORP COMMON STOCK 037411105 734 7820 SH SOLE 7820 0 0 APACHE CORP COMMON STOCK 037411105 158 1680 SH DFND 1680 0 0 APPLE INC COMMON STOCK 037833100 1593 15813 SH SOLE 15813 0 0 APPLE INC COMMON STOCK 037833100 166 1652 SH DFND 1652 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 14 648 SH SOLE 648 0 0 AQUA AMERICA INC COMMON STOCK 03836W103 4 150 SH SOLE 150 0 0 ARROW FINANCIAL CORP COMMON STOCK 042744102 152 6081 SH DFND 6081 0 0 ASTORIA FINANCIAL CORP COMMON STOCK 046265104 62 5000 SH SOLE 5000 0 0 AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2606 31366 SH SOLE 31226 0 140 AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 447 5382 SH DFND 5382 0 0 BB&T CORP COMMON STOCK 054937107 170 4575 SH SOLE 4575 0 0 BB&T CORP COMMON STOCK 054937107 7 200 SH DFND 200 0 0 BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 6 132 SH SOLE 132 0 0 BANK OF AMERICA CORPORATION COMMON STOCK 060505104 116 6810 SH SOLE 6810 0 0 BANK OF MONTREAL FOREIGN EQUITIES 063671101 7 100 SH DFND 100 0 0 BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 291 7505 SH SOLE 7505 0 0 BANK OF NOVA SCOTIA FOREIGN EQUITIES 064149107 27 440 SH SOLE 440 0 0 BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 373 14500 SH SOLE 14500 0 0 BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 44 1700 SH DFND 1700 0 0 BAXANO SURGICAL INC COM COMMON STOCK 071773105 1 5175 SH SOLE 3225 0 1950 BAXTER INTERNATIONAL INC COMMON STOCK 071813109 36 500 SH SOLE 500 0 0 BAXTER INTERNATIONAL INC COMMON STOCK 071813109 14 200 SH DFND 200 0 0 BECTON DICKINSON & CO COMMON STOCK 075887109 282 2475 SH SOLE 2475 0 0 BECTON DICKINSON & CO COMMON STOCK 075887109 182 1600 SH DFND 1600 0 0 BEMIS INC COMMON STOCK 081437105 718 18875 SH SOLE 18875 0 0 BEMIS INC COMMON STOCK 081437105 190 5000 SH DFND 5000 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 145 1053 SH SOLE 1053 0 0 BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 26 1127 SH DFND 1127 0 0 BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 1275 21655 SH SOLE 21655 0 0 BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 166 2825 SH DFND 2825 0 0 BIOLIFE SOLUTIONS INC NEW COMMON STOCK 09062W204 1 250 SH DFND 250 0 0 BLACKROCK BUILD AMER BD TR SHS MUTUAL FUNDS FIXED INCOME 09248X100 32 1500 SH SOLE 1500 0 0 BLACKROCK MUNIHLDGS NY QLTY COM NY TAX EXEMPT 09255C106 51 3835 SH SOLE 3835 0 0 BOEING CO COMMON STOCK 097023105 447 3509 SH SOLE 3509 0 0 BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH SOLE 200 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1003 19591 SH SOLE 19358 0 233 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 537 10499 SH DFND 10499 0 0 BROADRIDGE FINL SOLUTIONS COMMON STOCK 11133T103 8 200 SH DFND 200 0 0 BUCKEYE PARTNERS LP UNIT LTD PARTN COMMON STOCK 118230101 88 1100 SH DFND 1100 0 0 C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 423 6385 SH SOLE 6385 0 0 C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 20 300 SH DFND 300 0 0 CVS HEALTH CORP COMMON STOCK 126650100 345 4330 SH SOLE 4330 0 0 CATERPILLAR INC DEL COMMON STOCK 149123101 838 8467 SH SOLE 8467 0 0 CATERPILLAR INC DEL COMMON STOCK 149123101 275 2775 SH DFND 2775 0 0 CELGENE CORP COMMON STOCK 151020104 49 520 SH SOLE 520 0 0 CENTERPOINT ENERGY INC COMMON STOCK 15189T107 2 100 SH SOLE 100 0 0 CENTURYTEL INC COMMON STOCK 156700106 22 529 SH SOLE 529 0 0 CHAMBERS STR PPTYS COMMON STOCK 157842105 10 1266 SH SOLE 1266 0 0 CHEVRON CORP COMMON STOCK 166764100 2991 25070 SH SOLE 24998 0 72 CHEVRON CORP COMMON STOCK 166764100 875 7334 SH DFND 7334 0 0 CHUBB CORP COMMON STOCK 171232101 1152 12651 SH SOLE 12543 0 108 CHUBB CORP COMMON STOCK 171232101 146 1607 SH DFND 1607 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 2345 93206 SH SOLE 93206 0 0 CISCO SYSTEMS INC COMMON STOCK 17275R102 439 17450 SH DFND 17450 0 0 CITIGROUP INC COMMON STOCK 172967424 19 360 SH SOLE 360 0 0 CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 ETF/FIXED INCOME 18383M258 12 600 SH SOLE 600 0 0 CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E ETF/FIXED INCOME 18383M522 44 2100 SH SOLE 2100 0 0 CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 1258 59550 SH SOLE 50425 0 9125 COCA COLA CO COMMON STOCK 191216100 4269 100094 SH SOLE 99883 0 211 COCA COLA CO COMMON STOCK 191216100 1058 24814 SH DFND 24814 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 736 11284 SH SOLE 11284 0 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 518 7936 SH DFND 7936 0 0 COMCAST CORP COMMON STOCK 20030N101 300 5579 SH SOLE 5579 0 0 COMCAST CORP COMMON STOCK 20030N101 10 181 SH DFND 181 0 0 COMMUNITY BK SYS INC COMMON STOCK 203607106 29930 891050 SH SOLE 889900 0 1150 COMMUNITY BK SYS INC COMMON STOCK 203607106 26803 797934 SH DFND 797934 0 0 CONAGRA FOODS INC COMMON STOCK 205887102 3 100 SH SOLE 100 0 0 CONOCOPHILLIPS COMMON STOCK 20825C104 2306 30141 SH SOLE 29999 0 142 CONOCOPHILLIPS COMMON STOCK 20825C104 504 6592 SH DFND 6592 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 470 8295 SH SOLE 8295 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 62 1100 SH DFND 1100 0 0 CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 156 1791 SH SOLE 1791 0 0 CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 96 1106 SH DFND 1106 0 0 CORNING INC COMMON STOCK 219350105 168 8694 SH SOLE 8694 0 0 CORNING INC COMMON STOCK 219350105 13 690 SH DFND 690 0 0 COVANCE INC COMMON STOCK 222816100 4 48 SH SOLE 48 0 0 CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 2 217 SH SOLE 217 0 0 CRESTWOOD EQUITY PARTNERS LPUNIT LTD PARTNER COMMON STOCK 226344109 1 100 SH DFND 100 0 0 CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 2 93 SH SOLE 93 0 0 CRESTWOOD MIDSTREAM PARTNERSUNIT LTD PARTNER COMMON STOCK 226378107 1 43 SH DFND 43 0 0 CUMMINS INC COMMON STOCK 231021106 559 4235 SH SOLE 4200 0 35 CUMMINS INC COMMON STOCK 231021106 224 1700 SH DFND 1700 0 0 DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1864 48200 SH SOLE 48000 0 200 DARDEN RESTAURANTS INC COMMON STOCK 237194105 107 2084 SH SOLE 1924 0 160 DARDEN RESTAURANTS INC COMMON STOCK 237194105 133 2580 SH DFND 2580 0 0 DEERE & CO COMMON STOCK 244199105 28 339 SH SOLE 339 0 0 DEVON ENERGY CORP NEW COMMON STOCK 25179M103 109 1600 SH SOLE 1600 0 0 DEVON ENERGY CORP NEW COMMON STOCK 25179M103 95 1400 SH DFND 1400 0 0 DISNEY WALT CO COMMON STOCK 254687106 1452 16306 SH SOLE 16306 0 0 DISNEY WALT CO COMMON STOCK 254687106 29 321 SH DFND 321 0 0 DOMINION RES INC VA NEW COMMON STOCK 25746U109 1927 27893 SH SOLE 27893 0 0 DOMINION RES INC VA NEW COMMON STOCK 25746U109 725 10500 SH DFND 10500 0 0 DOW CHEMICAL CO COMMON STOCK 260543103 1196 22812 SH SOLE 22555 0 257 DOW CHEMICAL CO COMMON STOCK 260543103 255 4868 SH DFND 4868 0 0 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 681 9488 SH SOLE 9319 0 169 DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 172 2402 SH DFND 2402 0 0 DUKE ENERGY CORP NEW COMMON STOCK 26441C204 363 4856 SH SOLE 4856 0 0 E M C CORP MASS COMMON STOCK 268648102 713 24375 SH SOLE 24375 0 0 E M C CORP MASS COMMON STOCK 268648102 43 1484 SH DFND 1484 0 0 EOG RESOURCES INC COMMON STOCK 26875P101 387 3910 SH SOLE 3910 0 0 EASTMAN CHEMICAL CO COMMON STOCK 277432100 72 892 SH SOLE 892 0 0 ELDORADO GOLD CORP NEW FOREIGN EQUITIES 284902103 3 452 SH DFND 452 0 0 EMERSON ELECTRIC CO COMMON STOCK 291011104 1518 24260 SH SOLE 24260 0 0 EMERSON ELECTRIC CO COMMON STOCK 291011104 58 925 SH DFND 925 0 0 ENBRIDGE ENERGY PARTNERS L P COMMON STOCK 29250R106 8 200 SH DFND 200 0 0 ENERGY TRANSFER PARTNERS COMMON STOCK 29273R109 6 100 SH DFND 100 0 0 ENTERGY CORP NEW COMMON STOCK 29364G103 8 100 SH DFND 100 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 242 6016 SH SOLE 5712 0 304 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 8 200 SH DFND 200 0 0 EQUITY RESIDENTIAL COMMON STOCK 29476L107 37 600 SH SOLE 600 0 0 EXELON CORP COMMON STOCK 30161N101 857 25126 SH SOLE 25126 0 0 EXELON CORP COMMON STOCK 30161N101 220 6450 SH DFND 6450 0 0 EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 18 250 SH SOLE 250 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 6860 72945 SH SOLE 72945 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 1305 13875 SH DFND 13875 0 0 FACEBOOK INC CL A COMMON STOCK 30303M102 20 250 SH SOLE 250 0 0 FASTENAL CO COMMON STOCK 311900104 216 4800 SH SOLE 4800 0 0 FASTENAL CO COMMON STOCK 311900104 135 3000 SH DFND 3000 0 0 FEDEX CORP COMMON STOCK 31428X106 58 361 SH SOLE 361 0 0 FIRST TRUST CONS DISC ETF ETF/EQUITY 33734X101 8 251 SH SOLE 251 0 0 FORD MOTOR CO NEW COMMON STOCK 345370860 53 3590 SH SOLE 3590 0 0 FORD MOTOR CO NEW COMMON STOCK 345370860 41 2805 SH DFND 2805 0 0 FORTUNE BRANDS HOME & SEC INC COMMON STOCK 34964C106 333 8109 SH SOLE 8109 0 0 FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 6 132 SH DFND 132 0 0 FREEPORT-MCMORAN COPPER & GO COMMON STOCK 35671D857 6 180 SH SOLE 180 0 0 FREEPORT-MCMORAN COPPER & GO COMMON STOCK 35671D857 163 5000 SH DFND 5000 0 0 FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 16 2512 SH SOLE 2512 0 0 FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 5 732 SH DFND 732 0 0 GSV CAPITAL CORP COMMON STOCK 36191J101 3 300 SH SOLE 300 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 292 2300 SH SOLE 2300 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 25 200 SH DFND 200 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604103 4357 170138 SH SOLE 170138 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604103 1006 39298 SH DFND 39298 0 0 GENERAL MILLS INC COMMON STOCK 370334104 1607 31859 SH SOLE 31859 0 0 GENERAL MILLS INC COMMON STOCK 370334104 506 10020 SH DFND 10020 0 0 GENUINE PARTS CO COMMON STOCK 372460105 42 479 SH SOLE 479 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 19 183 SH SOLE 183 0 0 GLOBAL HIGH INCOME FUND INC COM MUTUAL FUNDS INTL FIXED INCOME 37933G108 5 500 SH SOLE 500 0 0 GLOBAL X FDS GLB X FTSE PT 20 ETF/INTERNATIONAL EQUITY 37950E192 97 6975 SH SOLE 6975 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 28 150 SH SOLE 150 0 0 GOOGLE INC CL A COMMON STOCK 38259P508 57 97 SH SOLE 97 0 0 GOOGLE INC CL C COMMON STOCK 38259P706 56 97 SH SOLE 97 0 0 HCP INC COMMON STOCK 40414L109 129 3248 SH SOLE 3248 0 0 HCP INC COMMON STOCK 40414L109 91 2303 SH DFND 2303 0 0 HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 50 2000 SH DFND 2000 0 0 HALLIBURTON CO COMMON STOCK 406216101 97 1500 SH SOLE 1500 0 0 HANGER INC COMMON STOCK 41043F208 4 200 SH SOLE 200 0 0 HARLEY DAVIDSON INC COMMON STOCK 412822108 12 200 SH SOLE 200 0 0 HEALTH CARE REIT INC COMMON STOCK 42217K106 6 100 SH DFND 100 0 0 HERSHEY CO COMMON STOCK 427866108 143 1500 SH SOLE 1500 0 0 HERSHEY CO COMMON STOCK 427866108 95 1000 SH DFND 1000 0 0 HOME DEPOT INC COMMON STOCK 437076102 441 4804 SH SOLE 4804 0 0 HOME DEPOT INC COMMON STOCK 437076102 134 1456 SH DFND 1456 0 0 HONEYWELL INTL INC COMMON STOCK 438516106 320 3435 SH SOLE 3435 0 0 HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 1 14 SH SOLE 14 0 0 ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2099 24858 SH SOLE 24858 0 0 ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 287 3400 SH DFND 3400 0 0 INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 38 12000 SH SOLE 12000 0 0 INTEL CORP COMMON STOCK 458140100 3938 113116 SH SOLE 112776 0 340 INTEL CORP COMMON STOCK 458140100 849 24388 SH DFND 24388 0 0 INTEGRYS ENERGY GROUP INC COMMON STOCK 45822P105 9 135 SH SOLE 135 0 0 INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10995 57923 SH SOLE 57923 0 0 INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 15864 83569 SH DFND 83569 0 0 INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 278 2900 SH SOLE 2900 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 5 113 SH SOLE 113 0 0 ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 12 750 SH SOLE 750 0 0 ISHARES SILVER TRUST ISHARES ETF/OTHER 46428Q109 31 1872 SH DFND 1872 0 0 ISHARES INC MSCI BRAZIL ETF/INTERNATIONAL EQUITY 464286400 62 1425 SH SOLE 1425 0 0 ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 281 9149 SH SOLE 9149 0 0 ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 54 1750 SH DFND 1750 0 0 ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 164 2750 SH SOLE 2750 0 0 ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 520 8700 SH DFND 8700 0 0 ISHARES INC MSCI EMU INDEX ETF/INTERNATIONAL EQUITY 464286608 3151 81850 SH SOLE 81575 0 275 ISHARES INC MSCI THAILAND ETF/INTERNATIONAL EQUITY 464286624 86 1025 SH SOLE 1025 0 0 ISHARES INC MSCI PAC J IDX ETF/INTERNATIONAL EQUITY 464286665 23 495 SH SOLE 495 0 0 ISHARES INC MSCI SINGAPORE ETF/INTERNATIONAL EQUITY 464286673 52 3900 SH SOLE 3900 0 0 ISHARES INC MSCI TURKEY FD ETF/INTERNATIONAL EQUITY 464286715 96 1950 SH SOLE 1950 0 0 ISHARES INC MSCI S KOREA ETF/INTERNATIONAL EQUITY 464286772 67 1100 SH SOLE 1100 0 0 ISHARES INC MSCI STH AFRCA ETF/INTERNATIONAL EQUITY 464286780 13 200 SH SOLE 200 0 0 ISHARES MSCI MEX CAP ETF ETF/INTERNATIONAL EQUITY 464286822 957 13925 SH SOLE 13925 0 0 ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 161 2179 SH SOLE 2179 0 0 ISHARES BARCLAYS TIPS BOND FUND ETF/FIXED INCOME 464287176 109 971 SH SOLE 971 0 0 ISHARES TR S&P 500 INDEX FD ETF/EQUITY 464287200 41640 210025 SH SOLE 210025 0 0 ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 6994 64100 SH SOLE 63100 0 1000 ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 229 5504 SH SOLE 5504 0 0 ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 295 2494 SH SOLE 2325 0 169 ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 221 1867 SH DFND 1867 0 0 ISHARES TR S&P GBL HLTHCR ETF/EQUITY 464287325 40 411 SH SOLE 411 0 0 ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 151 1791 SH SOLE 1566 0 225 ISHARES TR 1-3 YR TRS BD ETF/FIXED INCOME 464287457 29 343 SH DFND 343 0 0 ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 1575 24562 SH SOLE 24562 0 0 ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 939 14640 SH DFND 14640 0 0 ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 1808 25830 SH SOLE 25830 0 0 ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 98 1400 SH DFND 1400 0 0 ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8342 61005 SH SOLE 59935 0 1070 COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 9 110 SH SOLE 110 0 0 ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4216 42125 SH SOLE 38425 0 3700 ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1592 15910 SH DFND 15910 0 0 ISHARES S&P MC 400GR ETF ETF/EQUITY 464287606 132 870 SH SOLE 870 0 0 ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 4313 47067 SH SOLE 43017 0 4050 ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1881 20531 SH DFND 20531 0 0 ISHARES TR RUSL 2000 VALU ETF/EQUITY 464287630 27 288 SH SOLE 288 0 0 ISHARES TRUST 2000 RUSSELL INDEX FUND ETF/EQUITY 464287655 6 53 SH SOLE 53 0 0 ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 6419 61540 SH SOLE 61190 0 350 ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1749 16772 SH DFND 16772 0 0 ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 389 8550 SH SOLE 8550 0 0 ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 75 2100 SH SOLE 2100 0 0 ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2832 30800 SH SOLE 30800 0 0 ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 707 60000 SH SOLE 60000 0 0 ISHARES TR BARCLYS MBS BD ETF/FIXED INCOME 464288588 43 400 SH SOLE 400 0 0 ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 1215 11539 SH SOLE 9007 0 2532 ISHARES TR BARCLYS 1-3YR CR ETF/FIXED INCOME 464288646 23 214 SH DFND 214 0 0 ISHARES TR US PFD STK IDX ETF/OTHER 464288687 3645 92239 SH SOLE 90064 0 2175 ISHARES TR US PFD STK IDX ETF/OTHER 464288687 11 270 SH DFND 270 0 0 ISHARES TR MSCI PERU CAP ETF/INTERNATIONAL EQUITY 464289842 40 1175 SH SOLE 1175 0 0 ISHARES TR MSCI POL CAP ETF ETF/INTERNATIONAL EQUITY 46429B606 63 2225 SH SOLE 2225 0 0 ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 479 6370 SH SOLE 4270 0 2100 ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 3438 54900 SH SOLE 54700 0 200 ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 8173 216900 SH SOLE 207275 0 9625 ISHARES TR 2018 CP TM ETF ETF/FIXED INCOME 46432FAW7 23 225 SH SOLE 225 0 0 ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 21016 360860 SH SOLE 360585 0 275 ISHARES CORE MSCI EAFE ETF ETF/INTERNATIONAL EQUITY 46432F842 34 580 SH DFND 580 0 0 ISHARES INC CORE MSCI EMKT ETF/INTERNATIONAL EQUITY 46434G103 8756 174980 SH SOLE 174780 0 200 JP MORGAN CHASE & CO COMMON STOCK 46625H100 2383 39561 SH SOLE 39561 0 0 JP MORGAN CHASE & CO COMMON STOCK 46625H100 193 3198 SH DFND 3198 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 6510 61080 SH SOLE 60966 0 114 JOHNSON & JOHNSON COMMON STOCK 478160104 1287 12078 SH DFND 12078 0 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 410 9325 SH SOLE 9325 0 0 JOHNSON CONTROLS INC COMMON STOCK 478366107 22 500 SH DFND 500 0 0 KEYCORP NEW COMMON STOCK 493267108 143 10718 SH SOLE 10718 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 35 325 SH SOLE 325 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 333 3100 SH DFND 3100 0 0 KIMCO REALTY CORP COMMON STOCK 49446R109 56 2535 SH SOLE 2535 0 0 KINDER MORGAN ENERGY PARTNERS LP COMMON STOCK 494550106 19 200 SH SOLE 200 0 0 KINDER MORGAN ENERGY PARTNERS LP COMMON STOCK 494550106 19 200 SH DFND 200 0 0 KINDER MORGAN INC DEL COMMON STOCK 49456B101 4 105 SH SOLE 105 0 0 KINDER MORGAN INC DEL *W EXP 05/25/2017 WARRANTS & RIGHTS 49456B119 1 160 SH SOLE 160 0 0 KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 505 8947 SH SOLE 8947 0 0 KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 143 2538 SH DFND 2538 0 0 LEGGETT & PLATT INC COM COMMON STOCK 524660107 8 225 SH DFND 225 0 0 LILLY ELI & CO COMMON STOCK 532457108 400 6167 SH SOLE 6167 0 0 LILLY ELI & CO COMMON STOCK 532457108 160 2466 SH DFND 2466 0 0 LINN ENERGY LLC COMMON STOCK 536020100 5 175 SH DFND 175 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 194 1064 SH SOLE 1064 0 0 LORILLARD INC COMMON STOCK 544147101 18 300 SH SOLE 300 0 0 LORILLARD INC COMMON STOCK 544147101 36 600 SH DFND 600 0 0 LOWES COS INC COMMON STOCK 548661107 431 8140 SH SOLE 8140 0 0 LOWES COS INC COMMON STOCK 548661107 8 160 SH DFND 160 0 0 M & T BANK CORP COMMON STOCK 55261F104 227 1840 SH SOLE 1840 0 0 M & T BANK CORP COMMON STOCK 55261F104 1233 10000 SH DFND 10000 0 0 MGE ENERGY INC COMMON STOCK 55277P104 9 240 SH SOLE 240 0 0 MANNATECH INC NEW COMMON STOCK 563771203 1 40 SH DFND 40 0 0 MARATHON OIL CORP COMMON STOCK 565849106 29 760 SH SOLE 760 0 0 MARATHON PETROLEUM CORP COMMON STOCK 56585A102 8 100 SH SOLE 100 0 0 MARKET VECTORS AGRIBUS ETF ETF/EQUITY 57060U605 32 600 SH SOLE 600 0 0 MARKET VECTORS ETF TR VIETNAM ETF ETF/INTERNATIONAL EQUITY 57060U761 70 3175 SH SOLE 3175 0 0 MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 885 28775 SH SOLE 24850 0 3925 MASTERCARD INC CL A COMMON STOCK 57636Q104 15 205 SH SOLE 205 0 0 MCDONALDS CORP COMMON STOCK 580135101 1301 13720 SH SOLE 13632 0 88 MCDONALDS CORP COMMON STOCK 580135101 444 4680 SH DFND 4680 0 0 MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 17 200 SH SOLE 200 0 0 MCKESSON CORP COMMON STOCK 58155Q103 389 2000 SH DFND 2000 0 0 MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 13 1100 SH DFND 1100 0 0 MEDTRONIC INC COMMON STOCK 585055106 380 6128 SH SOLE 6128 0 0 MERCHANTS BANCSHARES COMMON STOCK 588448100 134 4750 SH SOLE 4750 0 0 MERCHANTS BANCSHARES COMMON STOCK 588448100 85 3000 SH DFND 3000 0 0 MERCK & CO INC NEW COMMON STOCK 58933Y105 3614 60982 SH SOLE 60794 0 188 MERCK & CO INC NEW COMMON STOCK 58933Y105 820 13833 SH DFND 13833 0 0 METLIFE INC COMMON STOCK 59156R108 21 400 SH DFND 400 0 0 MICROSOFT CORP COMMON STOCK 594918104 2675 57692 SH SOLE 57417 0 275 MICROSOFT CORP COMMON STOCK 594918104 460 9915 SH DFND 9915 0 0 MONDELEZ INTRNTL INC COMMON STOCK 609207105 385 11248 SH SOLE 11248 0 0 MONSANTO CO (NEW) COMMON STOCK 61166W101 721 6406 SH SOLE 6406 0 0 MONSANTO CO (NEW) COMMON STOCK 61166W101 45 400 SH DFND 400 0 0 MORGAN STANLEY NEW COMMON STOCK 617446448 121 3500 SH SOLE 3500 0 0 MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH SOLE 23 0 0 NBT BANCORP INC COMMON STOCK 628778102 413 18330 SH SOLE 18330 0 0 NBT BANCORP INC COMMON STOCK 628778102 83 3691 SH DFND 3691 0 0 NATIONAL BK GREECE S A SPN ADR REP 1 SH FOREIGN EQUITIES 633643705 0 20 SH SOLE 20 0 0 NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 6 80 SH SOLE 80 0 0 NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 70 1000 SH DFND 1000 0 0 NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 4 50 SH SOLE 50 0 0 NATIONAL GRID PLC SPON ADR NEW FOREIGN EQUITIES 636274300 7 100 SH DFND 100 0 0 NATURAL RESOURCE PARTNERS LP COMMON STOCK 63900P103 5 400 SH DFND 400 0 0 NEWELL RUBBERMAID INC COMMON STOCK 651229106 10 305 SH SOLE 0 0 305 NEXTERA ENERGY INC COMMON STOCK 65339F101 967 10300 SH SOLE 10300 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 347 3700 SH DFND 3700 0 0 NIKE INC CL B COMMON STOCK 654106103 241 2700 SH SOLE 2700 0 0 NIKE INC CL B COMMON STOCK 654106103 62 700 SH DFND 700 0 0 NOBLE ENERGY INC COMMON STOCK 655044105 17 250 SH SOLE 250 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1375 12323 SH SOLE 12323 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 179 1600 SH DFND 1600 0 0 NORTH EUROPEAN OIL RTY TR SH BEN INT COMMON STOCK 659310106 8 400 SH SOLE 400 0 0 NORTHEAST UTILITIES COMMON STOCK 664397106 24 551 SH SOLE 551 0 0 NORTHERN TIER ENERGY LP COMMON STOCK 665826103 21 900 SH DFND 900 0 0 NORTHROP GRUMMAN CORP COMMON STOCK 666807102 111 844 SH SOLE 844 0 0 NORWOOD FINANCIAL CORP COMMON STOCK 669549107 43 1501 SH SOLE 1501 0 0 NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2975 31604 SH SOLE 31604 0 0 NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 654 6950 SH DFND 6950 0 0 NUCOR CORP COMMON STOCK 670346105 1782 32839 SH SOLE 32839 0 0 NUCOR CORP COMMON STOCK 670346105 127 2347 SH DFND 2347 0 0 NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 44 4486 SH SOLE 4486 0 0 NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 5 500 SH DFND 500 0 0 OGE ENERGY CORP COMMON STOCK 670837103 275 7400 SH SOLE 7400 0 0 OGE ENERGY CORP COMMON STOCK 670837103 45 1200 SH DFND 1200 0 0 OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 125 1305 SH SOLE 1305 0 0 ONEOK PARTNERS LP COMMON STOCK 68268N103 22 400 SH SOLE 400 0 0 ORACLE CORP COMMON STOCK 68389X105 380 9942 SH SOLE 9942 0 0 ORACLE CORP COMMON STOCK 68389X105 19 500 SH DFND 500 0 0 ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 15 1000 SH DFND 1000 0 0 PDL BIOPHARMA INC COMMON STOCK 69329Y104 30 4000 SH DFND 4000 0 0 PG&E CORP COMMON STOCK 69331C108 106 2356 SH SOLE 2171 0 185 PG&E CORP COMMON STOCK 69331C108 108 2407 SH DFND 2407 0 0 PPG INDUSTRIES INC COMMON STOCK 693506107 257 1307 SH SOLE 1307 0 0 PPL CORP COMMON STOCK 69351T106 346 10539 SH SOLE 10539 0 0 PPL CORP COMMON STOCK 69351T106 7 200 SH DFND 200 0 0 PARKER HANNIFIN CORP COMMON STOCK 701094104 29 250 SH SOLE 250 0 0 PAYCHEX INC COMMON STOCK 704326107 6 135 SH SOLE 135 0 0 PAYCHEX INC COMMON STOCK 704326107 14 312 SH DFND 312 0 0 PEOPLES FINL SVCS CORP COMMON STOCK 711040105 155 3370 SH SOLE 3370 0 0 PEPCO HOLDINGS INC COMMON STOCK 713291102 5 200 SH DFND 200 0 0 PEPSICO INC COMMON STOCK 713448108 4128 44349 SH SOLE 44237 0 112 PEPSICO INC COMMON STOCK 713448108 889 9546 SH DFND 9546 0 0 PFIZER INC COMMON STOCK 717081103 2499 84529 SH SOLE 84201 0 328 PFIZER INC COMMON STOCK 717081103 408 13816 SH DFND 13816 0 0 PHILIP MORRIS INTL INC COMMON STOCK 718172109 1422 17055 SH SOLE 17055 0 0 PHILIP MORRIS INTL INC COMMON STOCK 718172109 25 300 SH DFND 300 0 0 PHILLIPS 66 COMMON STOCK 718546104 265 3262 SH SOLE 3262 0 0 PHILLIPS 66 COMMON STOCK 718546104 289 3557 SH DFND 3557 0 0 PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 430 4238 SH SOLE 2492 0 1746 PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 400 3944 SH DFND 3944 0 0 PIMCO DYNAMIC INCOME FD SHS ETF/FIXED INCOME 72201Y101 16 500 SH SOLE 500 0 0 PINNACLE WEST CPTLCORP COMMON STOCK 723484101 215 3930 SH SOLE 3930 0 0 PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 35 600 SH SOLE 600 0 0 POLARIS INDS INC COM COMMON STOCK 731068102 15 100 SH SOLE 100 0 0 POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 1097 31764 SH SOLE 31764 0 0 POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 160 4625 SH DFND 4625 0 0 POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 9 500 SH SOLE 500 0 0 POWERSHARES ETF TRUST FINL PFD PTFL ETF/OTHER 73935X229 36 2000 SH DFND 2000 0 0 POWERSHARES ETF TRUST WATER RESOURCE ETF/EQUITY 73935X575 1 50 SH SOLE 50 0 0 POWERSHARES DWA DEV MARKET MOM PORT ETF ETF/INTERNATIONAL EQUITY 73936Q108 6 226 SH SOLE 226 0 0 POWERSHARES GLOBAL ETF TRUSTDEV MKTS EX-US ETF/INTERNATIONAL EQUITY 73936T789 1504 35650 SH SOLE 35450 0 200 T ROWE PRICE GROUP INC COMMON STOCK 74144T108 13 170 SH SOLE 170 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 4968 59321 SH SOLE 59204 0 117 PROCTER & GAMBLE CO COMMON STOCK 742718109 764 9120 SH DFND 9120 0 0 PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 204 SH SOLE 204 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2367 63568 SH SOLE 63568 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 756 20306 SH DFND 20306 0 0 QUALCOMM INC COMMON STOCK 747525103 481 6427 SH SOLE 6427 0 0 QUALCOMM INC COMMON STOCK 747525103 113 1510 SH DFND 1510 0 0 QUANTA SERVICES INC COMMON STOCK 74762E102 7 180 SH SOLE 180 0 0 RANGE RESOURCES CORP COMMON STOCK 75281A109 8 125 SH SOLE 125 0 0 RAYTHEON CO NEW COMMON STOCK 755111507 25 250 SH SOLE 250 0 0 REYNOLDS AMERICAN INC COMMON STOCK 761713106 15 250 SH DFND 250 0 0 RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 301 6129 SH SOLE 6129 0 0 RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 204 4150 SH DFND 4150 0 0 RITE AID CORP COMMON STOCK 767754104 24 5000 SH SOLE 5000 0 0 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 176 1600 SH SOLE 1600 0 0 ROCKWELL COLLINS INC COMMON STOCK 774341101 220 2800 SH SOLE 2800 0 0 ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 71 1000 SH DFND 1000 0 0 ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 593 7787 SH SOLE 7787 0 0 ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 15 200 SH DFND 200 0 0 ROYAL GOLD INC COMMON STOCK 780287108 4 63 SH DFND 63 0 0 RUBICON MINERALS CORP FOREIGN EQUITIES 780911103 2 1228 SH DFND 1228 0 0 SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4467 22672 SH SOLE 22672 0 0 SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 482 2446 SH DFND 2446 0 0 SPDR GOLD TRUST GOLD SHS ETF/OTHER 78463V107 49 425 SH SOLE 425 0 0 SPDR INDEX SHS FDS S&P EM MKT DIV ETF/INTERNATIONAL EQUITY 78463X533 133 3625 SH SOLE 3625 0 0 SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 84 1825 SH SOLE 1825 0 0 SPDR INDEX SHS FDS MACQU GLBIN100 ETF/INTERNATIONAL EQUITY 78463X855 2 50 SH SOLE 50 0 0 SPDR BARCLAYS CONVERTIBLE SECURITIES ETF ETF/OTHER 78464A359 43 860 SH SOLE 860 0 0 SPDR SERIES TRUST INTR TRM CORP BD ETF/FIXED INCOME 78464A375 51 1500 SH SOLE 1500 0 0 SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 119 2950 SH SOLE 2950 0 0 SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 38 950 SH DFND 950 0 0 SPDR SERIES TRUST BARC CAPTL ETF ETF/FIXED INCOME 78464A474 178 5800 SH SOLE 4300 0 1500 SPDR SERIES TRUST DB INT GVT ETF ETF/FIXED INCOME 78464A490 47 800 SH SOLE 800 0 0 SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 2707 10858 SH SOLE 10858 0 0 SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 1951 7824 SH DFND 7824 0 0 SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 114 3800 SH SOLE 3800 0 0 SABINE ROYALTY TR UNIT BEN INT COMMON STOCK 785688102 11 200 SH SOLE 200 0 0 SAPIENT CORP COMMON STOCK 803062108 1 103 SH SOLE 103 0 0 SCANA CORP NEW COMMON STOCK 80589M102 72 1446 SH SOLE 1446 0 0 SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1020 10031 SH SOLE 10031 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 154 3275 SH SOLE 1600 0 1675 SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 364 7082 SH SOLE 7082 0 0 SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 17 328 SH DFND 328 0 0 MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 5 100 SH SOLE 100 0 0 SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITY 81369Y209 604 9450 SH SOLE 9450 0 0 SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITY 81369Y308 4164 92300 SH SOLE 90150 0 2150 SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 767 33125 SH SOLE 29550 0 3575 SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 553 13875 SH SOLE 13875 0 0 SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 273 6844 SH DFND 6844 0 0 SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 66 1575 SH SOLE 1575 0 0 SEMPRA ENERGY COMMON STOCK 816851109 2043 19390 SH SOLE 19390 0 0 SEMPRA ENERGY COMMON STOCK 816851109 358 3400 SH DFND 3400 0 0 SIGMA ALDRICH CORP COMMON STOCK 826552101 222 1630 SH SOLE 1630 0 0 SILVER WHEATON CORP FOREIGN EQUITIES 828336107 11 540 SH DFND 540 0 0 SONOCO PRODUCTS CO COMMON STOCK 835495102 71 1800 SH SOLE 1800 0 0 SOUTHERN CO COMMON STOCK 842587107 326 7458 SH SOLE 7458 0 0 SPECTRA ENERGY CORP COMMON STOCK 847560109 145 3704 SH SOLE 3426 0 278 SPECTRA ENERGY CORP COMMON STOCK 847560109 140 3570 SH DFND 3570 0 0 SPRINT CORP SER 1 COMMON STOCK 85207U105 0 26 SH SOLE 26 0 0 STANLEY BLACK & DECKER INC COMMON STOCK 854502101 89 1000 SH SOLE 1000 0 0 STANLEY BLACK & DECKER INC COMMON STOCK 854502101 178 2000 SH DFND 2000 0 0 STARBUCKS CORP COMMON STOCK 855244109 81 1075 SH SOLE 1075 0 0 STATE STREET CORP COMMON STOCK 857477103 180 2445 SH SOLE 2445 0 0 STRYKER CORP COMMON STOCK 863667101 315 3902 SH SOLE 3902 0 0 STRYKER CORP COMMON STOCK 863667101 48 600 SH DFND 600 0 0 SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 1 23 SH SOLE 23 0 0 SUBURBAN PROPANE PARTNERS LPUNIT LTD PARTN COMMON STOCK 864482104 0 10 SH DFND 10 0 0 SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 90 2500 SH SOLE 2500 0 0 SYMANTEC CORP COMMON STOCK 871503108 29 1250 SH SOLE 1250 0 0 SYSCO CORP COMMON STOCK 871829107 1369 36075 SH SOLE 36075 0 0 SYSCO CORP COMMON STOCK 871829107 357 9400 SH DFND 9400 0 0 TECO ENERGY INC COMMON STOCK 872375100 51 2955 SH SOLE 2955 0 0 TARGET CORP COMMON STOCK 87612E106 483 7708 SH SOLE 7708 0 0 TARGET CORP COMMON STOCK 87612E106 19 300 SH DFND 300 0 0 TELEFONICA S A SPONSORED ADR FOREIGN EQUITIES 879382208 5 308 SH DFND 308 0 0 TEMPLETON EMERG MKTS INCOME COM MUTUAL FUNDS INTL FIXED INCOME 880192109 3 250 SH DFND 250 0 0 TENARIS S A SPONSORED ADR FOREIGN EQUITIES 88031M109 46 1000 SH SOLE 1000 0 0 TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 11 200 SH SOLE 200 0 0 TEVA PHARMACEUTICAL INDS LTDADR FOREIGN EQUITIES 881624209 11 200 SH DFND 200 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 750 15720 SH SOLE 15720 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 105 2200 SH DFND 2200 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 22 180 SH SOLE 180 0 0 3M COMPANY COMMON STOCK 88579Y101 4307 30396 SH SOLE 30396 0 0 3M COMPANY COMMON STOCK 88579Y101 652 4600 SH DFND 4600 0 0 TIME WARNER INC NEW COMMON STOCK 887317303 14 188 SH SOLE 188 0 0 TOMPKINS TRUST CO INC COMMON STOCK 890110109 147 3341 SH SOLE 3341 0 0 TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 377 5850 SH SOLE 5850 0 0 TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 148 2300 SH DFND 2300 0 0 TOYOTA MOTOR CORP SP ADR REP2COM FOREIGN EQUITIES 892331307 24 200 SH SOLE 200 0 0 TRI CONTL CORP COM MUTUAL FUND EQUITIES 895436103 167 8000 SH SOLE 8000 0 0 TRUSTCO BANK CORP NY COMMON STOCK 898349105 5 842 SH DFND 842 0 0 UIL HOLDINGS CORP COMMON STOCK 902748102 25 698 SH SOLE 698 0 0 US BANCORP DEL NEW COMMON STOCK 902973304 1026 24524 SH SOLE 24285 0 239 US BANCORP DEL NEW COMMON STOCK 902973304 129 3082 SH DFND 3082 0 0 UNILEVER PLC SPON ADR NEW FOREIGN EQUITIES 904767704 4 100 SH DFND 100 0 0 UNILEVER N V N Y SHS NEW FOREIGN EQUITIES 904784709 16 400 SH SOLE 400 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 1358 13820 SH SOLE 13724 0 96 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 178 1808 SH DFND 1808 0 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2596 24579 SH SOLE 24493 0 86 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 482 4565 SH DFND 4565 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 954 11065 SH SOLE 11065 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 17 200 SH DFND 200 0 0 URBAN OUTFITTERS INC COMMON STOCK 917047102 3 80 SH SOLE 80 0 0 V F CORP COMMON STOCK 918204108 231 3500 SH SOLE 3500 0 0 V F CORP COMMON STOCK 918204108 7 100 SH DFND 100 0 0 VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 38 821 SH SOLE 821 0 0 VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 4751 61744 SH SOLE 61744 0 0 VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 533 6928 SH DFND 6928 0 0 VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 2613 32632 SH SOLE 30612 0 2020 VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 183 2287 SH DFND 2287 0 0 VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1745 21294 SH SOLE 20399 0 895 VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 756 9233 SH DFND 9233 0 0 VANGUARD HIGH DIVIDEND YIELDETF ETF/EQUITY 921946406 17 250 SH SOLE 250 0 0 VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 5184 99475 SH SOLE 99225 0 250 VANGUARD WORLD FDS CONSUM STP ETF ETF/EQUITY 92204A207 24 200 SH SOLE 200 0 0 VANGUARD WORLD FDS ENERGY ETF ETF/EQUITY 92204A306 7 50 SH SOLE 50 0 0 VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 759 16350 SH SOLE 16350 0 0 VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 246 5300 SH DFND 5300 0 0 VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 446 4400 SH DFND 4400 0 0 VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 399 4375 SH SOLE 4375 0 0 VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 27 300 SH DFND 300 0 0 VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 678 16249 SH SOLE 16249 0 0 VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 150 3608 SH DFND 3608 0 0 VANGUARD INTL EQUITY INDEX FMEGA CAP GRO ETF ETF/INTERNATIONAL EQUITY 922042866 3 50 SH SOLE 50 0 0 VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 3886 48650 SH SOLE 48650 0 0 VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 576 7212 SH DFND 7212 0 0 VANGUARD INDEX FDS MCAP GR IDXVIP ETF/EQUITY 922908538 75 775 SH SOLE 775 0 0 VANGUARD INDEX FDS REIT ETF ETF/EQUITY 922908553 1920 26725 SH SOLE 26725 0 0 VANGUARD INDEX FDS SM CP VAL ETF ETF/EQUITY 922908611 20 200 SH SOLE 200 0 0 VANGUARD INDEX FDS MID CAP ETF ETF/EQUITY 922908629 154 1309 SH SOLE 1309 0 0 VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 194 1750 SH SOLE 1750 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4492 89867 SH SOLE 89684 0 183 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1058 21156 SH DFND 21156 0 0 VIACOM INC NEW CL B COMMON STOCK 92553P201 19 250 SH SOLE 250 0 0 VISA INC CL A COMMON STOCK 92826C839 176 825 SH SOLE 825 0 0 VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 10 291 SH SOLE 291 0 0 VODAFONE GROUP PLC NEW SPNSR ADR NO PAR FOREIGN EQUITIES 92857W308 5 161 SH DFND 161 0 0 WGL HOLDINGS INC COMMON STOCK 92924F106 295 7000 SH SOLE 7000 0 0 WAL MART STORES INC COMMON STOCK 931142103 2388 31234 SH SOLE 31122 0 112 WAL MART STORES INC COMMON STOCK 931142103 514 6728 SH DFND 6728 0 0 WALGREEN CO COMMON STOCK 931422109 560 9450 SH SOLE 9450 0 0 WALGREEN CO COMMON STOCK 931422109 12 200 SH DFND 200 0 0 WASTE MGMT INC DEL COMMON STOCK 94106L109 19 400 SH SOLE 400 0 0 WASTE MGMT INC DEL COMMON STOCK 94106L109 23 475 SH DFND 475 0 0 WELLPOINT INC COMMON STOCK 94973V107 467 3900 SH SOLE 3900 0 0 WELLS FARGO & CO NEW COMMON STOCK 949746101 1218 23480 SH SOLE 23480 0 0 WELLS FARGO & CO NEW COMMON STOCK 949746101 23 450 SH DFND 450 0 0 WILLIAMS COS INC DEL COMMON STOCK 969457100 11 200 SH SOLE 200 0 0 WISCONSIN ENERGY CORP COMMON STOCK 976657106 161 3750 SH SOLE 3750 0 0 WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 962 16220 SH SOLE 16220 0 0 WISDOMTREE EMERGING MKTS SMALLCAP DIV ETF ETF/INTERNATIONAL EQUITY 97717W281 513 11100 SH DFND 11100 0 0 WISDOMTREE TR BLMBG US BULL ETF/FIXED INCOME 97717W471 1626 62325 SH SOLE 59250 0 3075 YAHOO INC COMMON STOCK 984332106 24 600 SH SOLE 600 0 0 YAMANA GOLD INC FOREIGN EQUITIES 98462Y100 2 400 SH DFND 400 0 0 YOU ON DEMAND HOLDINGS INC COMMON STOCK 98741R207 0 200 SH SOLE 200 0 0 YUM BRANDS INC COMMON STOCK 988498101 7 100 SH SOLE 100 0 0