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 108 1,697 SH   SOLE   1,697 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 956 43,050 SH   SOLE   43,050 0 0
NOBLE CORP PLC USD FOREIGN EQUITIES G65431101 133 6,000 SH   DFND   6,000 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 1,906 SH   SOLE   1,906 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 2,175 SH   SOLE   2,175 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 451 23,521 SH   SOLE   23,521 0 0
ALPS ETF TR ALERIAN MLP ETF/OTHER 00162Q866 247 12,871 SH   DFND   12,871 0 0
AT&T INC COMMON STOCK 00206R102 5,125 145,473 SH   SOLE   145,473 0 0
AT&T INC COMMON STOCK 00206R102 1,046 29,702 SH   DFND   29,702 0 0
ABBOTT LABS COMMON STOCK 002824100 2,000 48,100 SH   SOLE   48,100 0 0
ABBOTT LABS COMMON STOCK 002824100 164 3,955 SH   DFND   3,955 0 0
ABBVIE INC COMMON STOCK 00287Y109 2,803 48,520 SH   SOLE   48,520 0 0
ABBVIE INC COMMON STOCK 00287Y109 346 5,990 SH   DFND   5,990 0 0
AETNA INC NEW COMMON STOCK 00817Y108 41 500 SH   DFND   500 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 257 1,975 SH   SOLE   1,975 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 26 200 SH   DFND   200 0 0
ALCOA INC COMMON STOCK 013817101 46 2,884 SH   SOLE   2,884 0 0
ALCOA INC COMMON STOCK 013817101 64 4,000 SH   DFND   4,000 0 0
ALIBABA GROUP HLD COMMON STOCK 01609W102 9 100 SH   SOLE   100 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 904 19,682 SH   SOLE   19,682 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 4,259 SH   SOLE   4,259 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 126 2,419 SH   DFND   2,419 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 4,100 SH   SOLE   4,100 0 0
AMGEN INC COMMON STOCK 031162100 295 2,100 SH   DFND   2,100 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 61 600 SH   SOLE   600 0 0
APACHE CORP COMMON STOCK 037411105 734 7,820 SH   SOLE   7,820 0 0
APACHE CORP COMMON STOCK 037411105 158 1,680 SH   DFND   1,680 0 0
APPLE INC COMMON STOCK 037833100 1,593 15,813 SH   SOLE   15,813 0 0
APPLE INC COMMON STOCK 037833100 166 1,652 SH   DFND   1,652 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 6,081 SH   DFND   6,081 0 0
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 62 5,000 SH   SOLE   5,000 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2,606 31,366 SH   SOLE   31,226 0 140
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 447 5,382 SH   DFND   5,382 0 0
BB&T CORP COMMON STOCK 054937107 170 4,575 SH   SOLE   4,575 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 6,810 SH   SOLE   6,810 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 7,505 SH   SOLE   7,505 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 14,500 SH   SOLE   14,500 0 0
BARCLAYS BANK PLC SP ADR 7.1%PF3 PREFERRED STOCK 06739H776 44 1,700 SH   DFND   1,700 0 0
BAXANO SURGICAL INC COM COMMON STOCK 071773105 1 5,175 SH   SOLE   3,225 0 1,950
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 2,475 SH   SOLE   2,475 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 182 1,600 SH   DFND   1,600 0 0
BEMIS INC COMMON STOCK 081437105 718 18,875 SH   SOLE   18,875 0 0
BEMIS INC COMMON STOCK 081437105 190 5,000 SH   DFND   5,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COMMON STOCK 084670702 145 1,053 SH   SOLE   1,053 0 0
BERKSHIRE HILLS BANCORP INC COMMON STOCK 084680107 26 1,127 SH   DFND   1,127 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 1,275 21,655 SH   SOLE   21,655 0 0
BHP BILLITON LTD SPONSORED ADR FOREIGN EQUITIES 088606108 166 2,825 SH   DFND   2,825 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 1,500 SH   SOLE   1,500 0 0
BLACKROCK MUNIHLDGS NY QLTY COM NY TAX EXEMPT 09255C106 51 3,835 SH   SOLE   3,835 0 0
BOEING CO COMMON STOCK 097023105 447 3,509 SH   SOLE   3,509 0 0
BRIDGE BANCORP INC COMMON STOCK 108035106 5 200 SH   SOLE   200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,003 19,591 SH   SOLE   19,358 0 233
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 537 10,499 SH   DFND   10,499 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 1,100 SH   DFND   1,100 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 423 6,385 SH   SOLE   6,385 0 0
C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 20 300 SH   DFND   300 0 0
CVS HEALTH CORP COMMON STOCK 126650100 345 4,330 SH   SOLE   4,330 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 838 8,467 SH   SOLE   8,467 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 275 2,775 SH   DFND   2,775 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 1,266 SH   SOLE   1,266 0 0
CHEVRON CORP COMMON STOCK 166764100 2,991 25,070 SH   SOLE   24,998 0 72
CHEVRON CORP COMMON STOCK 166764100 875 7,334 SH   DFND   7,334 0 0
CHUBB CORP COMMON STOCK 171232101 1,152 12,651 SH   SOLE   12,543 0 108
CHUBB CORP COMMON STOCK 171232101 146 1,607 SH   DFND   1,607 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,345 93,206 SH   SOLE   93,206 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 439 17,450 SH   DFND   17,450 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 2,100 SH   SOLE   2,100 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E ETF/FIXED INCOME 18383M530 1,258 59,550 SH   SOLE   50,425 0 9,125
COCA COLA CO COMMON STOCK 191216100 4,269 100,094 SH   SOLE   99,883 0 211
COCA COLA CO COMMON STOCK 191216100 1,058 24,814 SH   DFND   24,814 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 736 11,284 SH   SOLE   11,284 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 518 7,936 SH   DFND   7,936 0 0
COMCAST CORP COMMON STOCK 20030N101 300 5,579 SH   SOLE   5,579 0 0
COMCAST CORP COMMON STOCK 20030N101 10 181 SH   DFND   181 0 0
COMMUNITY BK SYS INC COMMON STOCK 203607106 29,930 891,050 SH   SOLE   889,900 0 1,150
COMMUNITY BK SYS INC COMMON STOCK 203607106 26,803 797,934 SH   DFND   797,934 0 0
CONAGRA FOODS INC COMMON STOCK 205887102 3 100 SH   SOLE   100 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 2,306 30,141 SH   SOLE   29,999 0 142
CONOCOPHILLIPS COMMON STOCK 20825C104 504 6,592 SH   DFND   6,592 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 470 8,295 SH   SOLE   8,295 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 62 1,100 SH   DFND   1,100 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 156 1,791 SH   SOLE   1,791 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108 96 1,106 SH   DFND   1,106 0 0
CORNING INC COMMON STOCK 219350105 168 8,694 SH   SOLE   8,694 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 4,235 SH   SOLE   4,200 0 35
CUMMINS INC COMMON STOCK 231021106 224 1,700 SH   DFND   1,700 0 0
DBX ETF TR XTRAK MSCI JAPN ETF/INTERNATIONAL EQUITY 233051507 1,864 48,200 SH   SOLE   48,000 0 200
DARDEN RESTAURANTS INC COMMON STOCK 237194105 107 2,084 SH   SOLE   1,924 0 160
DARDEN RESTAURANTS INC COMMON STOCK 237194105 133 2,580 SH   DFND   2,580 0 0
DEERE & CO COMMON STOCK 244199105 28 339 SH   SOLE   339 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 109 1,600 SH   SOLE   1,600 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 95 1,400 SH   DFND   1,400 0 0
DISNEY WALT CO COMMON STOCK 254687106 1,452 16,306 SH   SOLE   16,306 0 0
DISNEY WALT CO COMMON STOCK 254687106 29 321 SH   DFND   321 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 1,927 27,893 SH   SOLE   27,893 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 725 10,500 SH   DFND   10,500 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 1,196 22,812 SH   SOLE   22,555 0 257
DOW CHEMICAL CO COMMON STOCK 260543103 255 4,868 SH   DFND   4,868 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 681 9,488 SH   SOLE   9,319 0 169
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 172 2,402 SH   DFND   2,402 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204 363 4,856 SH   SOLE   4,856 0 0
E M C CORP MASS COMMON STOCK 268648102 713 24,375 SH   SOLE   24,375 0 0
E M C CORP MASS COMMON STOCK 268648102 43 1,484 SH   DFND   1,484 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 387 3,910 SH   SOLE   3,910 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 1,518 24,260 SH   SOLE   24,260 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 6,016 SH   SOLE   5,712 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 25,126 SH   SOLE   25,126 0 0
EXELON CORP COMMON STOCK 30161N101 220 6,450 SH   DFND   6,450 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 18 250 SH   SOLE   250 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,860 72,945 SH   SOLE   72,945 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 1,305 13,875 SH   DFND   13,875 0 0
FACEBOOK INC CL A COMMON STOCK 30303M102 20 250 SH   SOLE   250 0 0
FASTENAL CO COMMON STOCK 311900104 216 4,800 SH   SOLE   4,800 0 0
FASTENAL CO COMMON STOCK 311900104 135 3,000 SH   DFND   3,000 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 3,590 SH   SOLE   3,590 0 0
FORD MOTOR CO NEW COMMON STOCK 345370860 41 2,805 SH   DFND   2,805 0 0
FORTUNE BRANDS HOME & SEC INC COMMON STOCK 34964C106 333 8,109 SH   SOLE   8,109 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 5,000 SH   DFND   5,000 0 0
FRONTIER COMMUNICATIONS CORP COMMON STOCK 35906A108 16 2,512 SH   SOLE   2,512 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 2,300 SH   SOLE   2,300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 25 200 SH   DFND   200 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 4,357 170,138 SH   SOLE   170,138 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,006 39,298 SH   DFND   39,298 0 0
GENERAL MILLS INC COMMON STOCK 370334104 1,607 31,859 SH   SOLE   31,859 0 0
GENERAL MILLS INC COMMON STOCK 370334104 506 10,020 SH   DFND   10,020 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 6,975 SH   SOLE   6,975 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 3,248 SH   SOLE   3,248 0 0
HCP INC COMMON STOCK 40414L109 91 2,303 SH   DFND   2,303 0 0
HSBC HLDGS PLC ADR A 1/40PF A PREFERRED STOCK 404280604 50 2,000 SH   DFND   2,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 97 1,500 SH   SOLE   1,500 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 1,500 SH   SOLE   1,500 0 0
HERSHEY CO COMMON STOCK 427866108 95 1,000 SH   DFND   1,000 0 0
HOME DEPOT INC COMMON STOCK 437076102 441 4,804 SH   SOLE   4,804 0 0
HOME DEPOT INC COMMON STOCK 437076102 134 1,456 SH   DFND   1,456 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 320 3,435 SH   SOLE   3,435 0 0
HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 1 14 SH   SOLE   14 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2,099 24,858 SH   SOLE   24,858 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 287 3,400 SH   DFND   3,400 0 0
INFUSYSTEM HLDGS INC COMMON STOCK 45685K102 38 12,000 SH   SOLE   12,000 0 0
INTEL CORP COMMON STOCK 458140100 3,938 113,116 SH   SOLE   112,776 0 340
INTEL CORP COMMON STOCK 458140100 849 24,388 SH   DFND   24,388 0 0
INTEGRYS ENERGY GROUP INC COMMON STOCK 45822P105 9 135 SH   SOLE   135 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 10,995 57,923 SH   SOLE   57,923 0 0
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 15,864 83,569 SH   DFND   83,569 0 0
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 278 2,900 SH   SOLE   2,900 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 1,872 SH   DFND   1,872 0 0
ISHARES INC MSCI BRAZIL ETF/INTERNATIONAL EQUITY 464286400 62 1,425 SH   SOLE   1,425 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 281 9,149 SH   SOLE   9,149 0 0
ISHARES INC MSCI CDA INDEX ETF/INTERNATIONAL EQUITY 464286509 54 1,750 SH   DFND   1,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 164 2,750 SH   SOLE   2,750 0 0
ISHARES MSCI EMERGING MKTS MINI VOL ETF ETF/INTERNATIONAL EQUITY 464286533 520 8,700 SH   DFND   8,700 0 0
ISHARES INC MSCI EMU INDEX ETF/INTERNATIONAL EQUITY 464286608 3,151 81,850 SH   SOLE   81,575 0 275
ISHARES INC MSCI THAILAND ETF/INTERNATIONAL EQUITY 464286624 86 1,025 SH   SOLE   1,025 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 3,900 SH   SOLE   3,900 0 0
ISHARES INC MSCI TURKEY FD ETF/INTERNATIONAL EQUITY 464286715 96 1,950 SH   SOLE   1,950 0 0
ISHARES INC MSCI S KOREA ETF/INTERNATIONAL EQUITY 464286772 67 1,100 SH   SOLE   1,100 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 13,925 SH   SOLE   13,925 0 0
ISHARES TR DJ SEL DIV INX ETF/EQUITY 464287168 161 2,179 SH   SOLE   2,179 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 41,640 210,025 SH   SOLE   210,025 0 0
ISHARES CORE TOTAL U S BOND MARKET ETF ETF/FIXED INCOME 464287226 6,994 64,100 SH   SOLE   63,100 0 1,000
ISHARES MSCI EMERGING MKTS INDEX FUND ETF/INTERNATIONAL EQUITY 464287234 229 5,504 SH   SOLE   5,504 0 0
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 295 2,494 SH   SOLE   2,325 0 169
ISHARES TR IBOXX INV CPBD ETF/FIXED INCOME 464287242 221 1,867 SH   DFND   1,867 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 1,791 SH   SOLE   1,566 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 1,575 24,562 SH   SOLE   24,562 0 0
ISHARES MSCI EAFE ETF/INTERNATIONAL EQUITY 464287465 939 14,640 SH   DFND   14,640 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 1,808 25,830 SH   SOLE   25,830 0 0
ISHARES RUSSELL MIDCAP VALUE ETF/EQUITY 464287473 98 1,400 SH   DFND   1,400 0 0
ISHARES TR S&P MIDCAP 400 ETF/EQUITY 464287507 8,342 61,005 SH   SOLE   59,935 0 1,070
COHEN & STEERS INDEX REALTY FUND ETF/EQUITY 464287564 9 110 SH   SOLE   110 0 0
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 4,216 42,125 SH   SOLE   38,425 0 3,700
ISHARES RUSSELL 1000 VALUE ETF/EQUITY 464287598 1,592 15,910 SH   DFND   15,910 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 4,313 47,067 SH   SOLE   43,017 0 4,050
ISHARES TR RUSSELL 1000 GROWTH INDEX FUND ETF/EQUITY 464287614 1,881 20,531 SH   DFND   20,531 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 6,419 61,540 SH   SOLE   61,190 0 350
ISHARES CORE S&P SMALL CAP ETF ETF/EQUITY 464287804 1,749 16,772 SH   DFND   16,772 0 0
ISHARES MSCI ACWI EX US ETF/INTERNATIONAL EQUITY 464288240 389 8,550 SH   SOLE   8,550 0 0
ISHARES INTL SEL DIV ETF ETF/INTERNATIONAL EQUITY 464288448 75 2,100 SH   SOLE   2,100 0 0
ISHARES TR HIGH YLD CORP ETF/FIXED INCOME 464288513 2,832 30,800 SH   SOLE   30,800 0 0
ISHARES TR MRTG PLS CAP IDX ETF/EQUITY 464288539 707 60,000 SH   SOLE   60,000 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 1,215 11,539 SH   SOLE   9,007 0 2,532
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 3,645 92,239 SH   SOLE   90,064 0 2,175
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 1,175 SH   SOLE   1,175 0 0
ISHARES TR MSCI POL CAP ETF ETF/INTERNATIONAL EQUITY 46429B606 63 2,225 SH   SOLE   2,225 0 0
ISHARES TR HGH DIV EQT FD ETF/EQUITY 46429B663 479 6,370 SH   SOLE   4,270 0 2,100
ISHARES TR EAFE MIN VOLAT ETF/INTERNATIONAL EQUITY 46429B689 3,438 54,900 SH   SOLE   54,700 0 200
ISHARES TR USA MIN VOL ID ETF/EQUITY 46429B697 8,173 216,900 SH   SOLE   207,275 0 9,625
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 21,016 360,860 SH   SOLE   360,585 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 8,756 174,980 SH   SOLE   174,780 0 200
JP MORGAN CHASE & CO COMMON STOCK 46625H100 2,383 39,561 SH   SOLE   39,561 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 193 3,198 SH   DFND   3,198 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,510 61,080 SH   SOLE   60,966 0 114
JOHNSON & JOHNSON COMMON STOCK 478160104 1,287 12,078 SH   DFND   12,078 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 410 9,325 SH   SOLE   9,325 0 0
JOHNSON CONTROLS INC COMMON STOCK 478366107 22 500 SH   DFND   500 0 0
KEYCORP NEW COMMON STOCK 493267108 143 10,718 SH   SOLE   10,718 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 35 325 SH   SOLE   325 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 333 3,100 SH   DFND   3,100 0 0
KIMCO REALTY CORP COMMON STOCK 49446R109 56 2,535 SH   SOLE   2,535 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 8,947 SH   SOLE   8,947 0 0
KRAFT FOODS GROUP INC COMMON STOCK 50076Q106 143 2,538 SH   DFND   2,538 0 0
LEGGETT & PLATT INC COM COMMON STOCK 524660107 8 225 SH   DFND   225 0 0
LILLY ELI & CO COMMON STOCK 532457108 400 6,167 SH   SOLE   6,167 0 0
LILLY ELI & CO COMMON STOCK 532457108 160 2,466 SH   DFND   2,466 0 0
LINN ENERGY LLC COMMON STOCK 536020100 5 175 SH   DFND   175 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 194 1,064 SH   SOLE   1,064 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 8,140 SH   SOLE   8,140 0 0
LOWES COS INC COMMON STOCK 548661107 8 160 SH   DFND   160 0 0
M & T BANK CORP COMMON STOCK 55261F104 227 1,840 SH   SOLE   1,840 0 0
M & T BANK CORP COMMON STOCK 55261F104 1,233 10,000 SH   DFND   10,000 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 3,175 SH   SOLE   3,175 0 0
MARKET VECTORS HIGH YIELD MUNI INDEX ETF ETF/FIXED INCOME 57060U878 885 28,775 SH   SOLE   24,850 0 3,925
MASTERCARD INC CL A COMMON STOCK 57636Q104 15 205 SH   SOLE   205 0 0
MCDONALDS CORP COMMON STOCK 580135101 1,301 13,720 SH   SOLE   13,632 0 88
MCDONALDS CORP COMMON STOCK 580135101 444 4,680 SH   DFND   4,680 0 0
MCGRAW HILL FINANCIAL INC COMMON STOCK 580645109 17 200 SH   SOLE   200 0 0
MCKESSON CORP COMMON STOCK 58155Q103 389 2,000 SH   DFND   2,000 0 0
MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 13 1,100 SH   DFND   1,100 0 0
MEDTRONIC INC COMMON STOCK 585055106 380 6,128 SH   SOLE   6,128 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 134 4,750 SH   SOLE   4,750 0 0
MERCHANTS BANCSHARES COMMON STOCK 588448100 85 3,000 SH   DFND   3,000 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 3,614 60,982 SH   SOLE   60,794 0 188
MERCK & CO INC NEW COMMON STOCK 58933Y105 820 13,833 SH   DFND   13,833 0 0
METLIFE INC COMMON STOCK 59156R108 21 400 SH   DFND   400 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,675 57,692 SH   SOLE   57,417 0 275
MICROSOFT CORP COMMON STOCK 594918104 460 9,915 SH   DFND   9,915 0 0
MONDELEZ INTRNTL INC COMMON STOCK 609207105 385 11,248 SH   SOLE   11,248 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 721 6,406 SH   SOLE   6,406 0 0
MONSANTO CO (NEW) COMMON STOCK 61166W101 45 400 SH   DFND   400 0 0
MORGAN STANLEY NEW COMMON STOCK 617446448 121 3,500 SH   SOLE   3,500 0 0
MOSAIC CO NEW COMMON STOCK 61945C103 1 23 SH   SOLE   23 0 0
NBT BANCORP INC COMMON STOCK 628778102 413 18,330 SH   SOLE   18,330 0 0
NBT BANCORP INC COMMON STOCK 628778102 83 3,691 SH   DFND   3,691 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 1,000 SH   DFND   1,000 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 10,300 SH   SOLE   10,300 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 347 3,700 SH   DFND   3,700 0 0
NIKE INC CL B COMMON STOCK 654106103 241 2,700 SH   SOLE   2,700 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 1,375 12,323 SH   SOLE   12,323 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 179 1,600 SH   DFND   1,600 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 1,501 SH   SOLE   1,501 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 2,975 31,604 SH   SOLE   31,604 0 0
NOVARTIS A G SPONSORED ADR FOREIGN EQUITIES 66987V109 654 6,950 SH   DFND   6,950 0 0
NUCOR CORP COMMON STOCK 670346105 1,782 32,839 SH   SOLE   32,839 0 0
NUCOR CORP COMMON STOCK 670346105 127 2,347 SH   DFND   2,347 0 0
NUVEEN NY MUNI VALUE FD NY TAX EXEMPT 67062M105 44 4,486 SH   SOLE   4,486 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 7,400 SH   SOLE   7,400 0 0
OGE ENERGY CORP COMMON STOCK 670837103 45 1,200 SH   DFND   1,200 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 125 1,305 SH   SOLE   1,305 0 0
ONEOK PARTNERS LP COMMON STOCK 68268N103 22 400 SH   SOLE   400 0 0
ORACLE CORP COMMON STOCK 68389X105 380 9,942 SH   SOLE   9,942 0 0
ORACLE CORP COMMON STOCK 68389X105 19 500 SH   DFND   500 0 0
ORANGE SPONSORED ADR FOREIGN EQUITIES 684060106 15 1,000 SH   DFND   1,000 0 0
PDL BIOPHARMA INC COMMON STOCK 69329Y104 30 4,000 SH   DFND   4,000 0 0
PG&E CORP COMMON STOCK 69331C108 106 2,356 SH   SOLE   2,171 0 185
PG&E CORP COMMON STOCK 69331C108 108 2,407 SH   DFND   2,407 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 257 1,307 SH   SOLE   1,307 0 0
PPL CORP COMMON STOCK 69351T106 346 10,539 SH   SOLE   10,539 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 3,370 SH   SOLE   3,370 0 0
PEPCO HOLDINGS INC COMMON STOCK 713291102 5 200 SH   DFND   200 0 0
PEPSICO INC COMMON STOCK 713448108 4,128 44,349 SH   SOLE   44,237 0 112
PEPSICO INC COMMON STOCK 713448108 889 9,546 SH   DFND   9,546 0 0
PFIZER INC COMMON STOCK 717081103 2,499 84,529 SH   SOLE   84,201 0 328
PFIZER INC COMMON STOCK 717081103 408 13,816 SH   DFND   13,816 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 1,422 17,055 SH   SOLE   17,055 0 0
PHILIP MORRIS INTL INC COMMON STOCK 718172109 25 300 SH   DFND   300 0 0
PHILLIPS 66 COMMON STOCK 718546104 265 3,262 SH   SOLE   3,262 0 0
PHILLIPS 66 COMMON STOCK 718546104 289 3,557 SH   DFND   3,557 0 0
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 430 4,238 SH   SOLE   2,492 0 1,746
PIMCO EHHANCED SHRT MATURITYETF ETF/FIXED INCOME 72201R833 400 3,944 SH   DFND   3,944 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 3,930 SH   SOLE   3,930 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 1,097 31,764 SH   SOLE   31,764 0 0
POTASH CORP SASK INC FOREIGN EQUITIES 73755L107 160 4,625 SH   DFND   4,625 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 2,000 SH   DFND   2,000 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 1,504 35,650 SH   SOLE   35,450 0 200
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 13 170 SH   SOLE   170 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 4,968 59,321 SH   SOLE   59,204 0 117
PROCTER & GAMBLE CO COMMON STOCK 742718109 764 9,120 SH   DFND   9,120 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 18 204 SH   SOLE   204 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 2,367 63,568 SH   SOLE   63,568 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 756 20,306 SH   DFND   20,306 0 0
QUALCOMM INC COMMON STOCK 747525103 481 6,427 SH   SOLE   6,427 0 0
QUALCOMM INC COMMON STOCK 747525103 113 1,510 SH   DFND   1,510 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 6,129 SH   SOLE   6,129 0 0
RIO TINTO PLC SPONSORED ADR FOREIGN EQUITIES 767204100 204 4,150 SH   DFND   4,150 0 0
RITE AID CORP COMMON STOCK 767754104 24 5,000 SH   SOLE   5,000 0 0
ROCKWELL AUTOMATION INC COMMON STOCK 773903109 176 1,600 SH   SOLE   1,600 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 220 2,800 SH   SOLE   2,800 0 0
ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 71 1,000 SH   DFND   1,000 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A FOREIGN EQUITIES 780259206 593 7,787 SH   SOLE   7,787 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 1,228 SH   DFND   1,228 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 4,467 22,672 SH   SOLE   22,672 0 0
SPDR S&P 500 ETF TRUST ETF/EQUITY 78462F103 482 2,446 SH   DFND   2,446 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 3,625 SH   SOLE   3,625 0 0
SPDR INDEX SHS FDS S&P INTL ETF ETF/INTERNATIONAL EQUITY 78463X772 84 1,825 SH   SOLE   1,825 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 1,500 SH   SOLE   1,500 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF ETF/FIXED INCOME 78464A417 119 2,950 SH   SOLE   2,950 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 5,800 SH   SOLE   4,300 0 1,500
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 2,707 10,858 SH   SOLE   10,858 0 0
SPDR S&P MIDCAP 400 ETF TR ETF/EQUITY 78467Y107 1,951 7,824 SH   DFND   7,824 0 0
SPDR BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF/FIXED INCOME 78468R408 114 3,800 SH   SOLE   3,800 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 1,446 SH   SOLE   1,446 0 0
SCHLUMBERGER LTD FOREIGN EQUITIES 806857108 1,020 10,031 SH   SOLE   10,031 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 154 3,275 SH   SOLE   1,600 0 1,675
SCHWAB STRATEGIC TR US SML CAP ETF ETF/EQUITY 808524607 364 7,082 SH   SOLE   7,082 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 9,450 SH   SOLE   9,450 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITY 81369Y308 4,164 92,300 SH   SOLE   90,150 0 2,150
SELECT SECTOR SPDR TR SBI INT-FINL ETF/EQUITY 81369Y605 767 33,125 SH   SOLE   29,550 0 3,575
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 553 13,875 SH   SOLE   13,875 0 0
SELECT SECTOR SPDR TR SBI INT-TECH ETF/EQUITY 81369Y803 273 6,844 SH   DFND   6,844 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS ETF/EQUITY 81369Y886 66 1,575 SH   SOLE   1,575 0 0
SEMPRA ENERGY COMMON STOCK 816851109 2,043 19,390 SH   SOLE   19,390 0 0
SEMPRA ENERGY COMMON STOCK 816851109 358 3,400 SH   DFND   3,400 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 222 1,630 SH   SOLE   1,630 0 0
SILVER WHEATON CORP FOREIGN EQUITIES 828336107 11 540 SH   DFND   540 0 0
SONOCO PRODUCTS CO COMMON STOCK 835495102 71 1,800 SH   SOLE   1,800 0 0
SOUTHERN CO COMMON STOCK 842587107 326 7,458 SH   SOLE   7,458 0 0
SPECTRA ENERGY CORP COMMON STOCK 847560109 145 3,704 SH   SOLE   3,426 0 278
SPECTRA ENERGY CORP COMMON STOCK 847560109 140 3,570 SH   DFND   3,570 0 0
SPRINT CORP SER 1 COMMON STOCK 85207U105 0 26 SH   SOLE   26 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 89 1,000 SH   SOLE   1,000 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101 178 2,000 SH   DFND   2,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 81 1,075 SH   SOLE   1,075 0 0
STATE STREET CORP COMMON STOCK 857477103 180 2,445 SH   SOLE   2,445 0 0
STRYKER CORP COMMON STOCK 863667101 315 3,902 SH   SOLE   3,902 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 2,500 SH   SOLE   2,500 0 0
SYMANTEC CORP COMMON STOCK 871503108 29 1,250 SH   SOLE   1,250 0 0
SYSCO CORP COMMON STOCK 871829107 1,369 36,075 SH   SOLE   36,075 0 0
SYSCO CORP COMMON STOCK 871829107 357 9,400 SH   DFND   9,400 0 0
TECO ENERGY INC COMMON STOCK 872375100 51 2,955 SH   SOLE   2,955 0 0
TARGET CORP COMMON STOCK 87612E106 483 7,708 SH   SOLE   7,708 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 1,000 SH   SOLE   1,000 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 15,720 SH   SOLE   15,720 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 105 2,200 SH   DFND   2,200 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 22 180 SH   SOLE   180 0 0
3M COMPANY COMMON STOCK 88579Y101 4,307 30,396 SH   SOLE   30,396 0 0
3M COMPANY COMMON STOCK 88579Y101 652 4,600 SH   DFND   4,600 0 0
TIME WARNER INC NEW COMMON STOCK 887317303 14 188 SH   SOLE   188 0 0
TOMPKINS TRUST CO INC COMMON STOCK 890110109 147 3,341 SH   SOLE   3,341 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 377 5,850 SH   SOLE   5,850 0 0
TOTAL S A SPONSORED ADR FOREIGN EQUITIES 89151E109 148 2,300 SH   DFND   2,300 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 8,000 SH   SOLE   8,000 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 1,026 24,524 SH   SOLE   24,285 0 239
US BANCORP DEL NEW COMMON STOCK 902973304 129 3,082 SH   DFND   3,082 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 1,358 13,820 SH   SOLE   13,724 0 96
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 178 1,808 SH   DFND   1,808 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2,596 24,579 SH   SOLE   24,493 0 86
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 482 4,565 SH   DFND   4,565 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 954 11,065 SH   SOLE   11,065 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 3,500 SH   SOLE   3,500 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 4,751 61,744 SH   SOLE   61,744 0 0
VANGUARD SPECIALIZED PORTFOLDIV APP ETF ETF/EQUITY 921908844 533 6,928 SH   DFND   6,928 0 0
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 2,613 32,632 SH   SOLE   30,612 0 2,020
VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 183 2,287 SH   DFND   2,287 0 0
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 1,745 21,294 SH   SOLE   20,399 0 895
VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 756 9,233 SH   DFND   9,233 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 5,184 99,475 SH   SOLE   99,225 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 16,350 SH   SOLE   16,350 0 0
VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 246 5,300 SH   DFND   5,300 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF ETF/EQUITY 92204A603 446 4,400 SH   DFND   4,400 0 0
VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 399 4,375 SH   SOLE   4,375 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 16,249 SH   SOLE   16,249 0 0
VANGUARD MSCI EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 150 3,608 SH   DFND   3,608 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 3,886 48,650 SH   SOLE   48,650 0 0
VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 576 7,212 SH   DFND   7,212 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 1,920 26,725 SH   SOLE   26,725 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 1,309 SH   SOLE   1,309 0 0
VANGUARD INDEX FDS SMALL CP ETF ETF/EQUITY 922908751 194 1,750 SH   SOLE   1,750 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4,492 89,867 SH   SOLE   89,684 0 183
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,058 21,156 SH   DFND   21,156 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 7,000 SH   SOLE   7,000 0 0
WAL MART STORES INC COMMON STOCK 931142103 2,388 31,234 SH   SOLE   31,122 0 112
WAL MART STORES INC COMMON STOCK 931142103 514 6,728 SH   DFND   6,728 0 0
WALGREEN CO COMMON STOCK 931422109 560 9,450 SH   SOLE   9,450 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 3,900 SH   SOLE   3,900 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1,218 23,480 SH   SOLE   23,480 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 3,750 SH   SOLE   3,750 0 0
WISDOMTREE EQUITY INC FUND ETF/EQUITY 97717W208 962 16,220 SH   SOLE   16,220 0 0
WISDOMTREE EMERGING MKTS SMALLCAP DIV ETF ETF/INTERNATIONAL EQUITY 97717W281 513 11,100 SH   DFND   11,100 0 0
WISDOMTREE TR BLMBG US BULL ETF/FIXED INCOME 97717W471 1,626 62,325 SH   SOLE   59,250 0 3,075
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