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
AT&T Inc Com 00206R102 844 55,004 SH   SOLE 0 52,408 435 2,161
AT&T Inc Com 00206R102 739 48,149 SH   OTR 0 42,837 400 4,912
Abbott Labs Com 002824100 4,644 47,992 SH   SOLE 0 47,392 0 600
Abbott Labs Com 002824100 1,842 19,034 SH   OTR 0 17,448 576 1,010
Abbvie Inc Com 00287Y109 2,815 20,974 SH   SOLE 0 20,674 0 300
Abbvie Inc Com 00287Y109 2,090 15,576 SH   OTR 0 14,051 295 1,230
Activision Blizzard, Inc Com 00507V109 686 9,225 SH   SOLE 0 9,225 0 0
Activision Blizzard, Inc Com 00507V109 517 6,950 SH   OTR 0 6,950 0 0
Air Products & Chemicals Inc Com 009158106 1,294 5,559 SH   SOLE 0 5,559 0 0
Air Products & Chemicals Inc Com 009158106 406 1,745 SH   OTR 0 1,745 0 0
Allstate Corp Com 020002101 81 649 SH   SOLE 0 649 0 0
Allstate Corp Com 020002101 249 2,000 SH   OTR 0 2,000 0 0
Alphabet Inc Cl C Com 02079K107 4,085 42,483 SH   SOLE 0 40,420 0 2,063
Alphabet Inc Cl C Com 02079K107 3,590 37,334 SH   OTR 0 34,735 0 2,599
Alphabet Inc Cl A Com 02079K305 2,747 28,723 SH   SOLE 0 28,063 0 660
Alphabet Inc Cl A Com 02079K305 619 6,472 SH   OTR 0 4,173 0 2,299
Altria Group Inc Com 02209S103 511 12,654 SH   SOLE 0 11,879 0 775
Altria Group Inc Com 02209S103 1,305 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 1,473 13,034 SH   SOLE 0 13,034 0 0
Amazon.Com Inc Com 023135106 769 6,808 SH   OTR 0 5,408 0 1,400
American Express CO Com 025816109 580 4,301 SH   SOLE 0 4,301 0 0
American Express CO Com 025816109 155 1,147 SH   OTR 0 861 0 286
American Tower Corp REIT Com 03027X100 198 924 SH   SOLE 0 924 0 0
American Tower Corp REIT Com 03027X100 101 469 SH   OTR 0 469 0 0
American Water Works CO Inc Com 030420103 1,220 9,375 SH   SOLE 0 9,375 0 0
American Water Works CO Inc Com 030420103 962 7,390 SH   OTR 0 5,860 100 1,430
Amgen Inc Com 031162100 566 2,511 SH   SOLE 0 2,511 0 0
Amgen Inc Com 031162100 247 1,095 SH   OTR 0 1,095 0 0
Amplify CWP Enhanced Dividend Com 032108409 296 9,246 SH   SOLE 0 9,246 0 0
Amplify CWP Enhanced Dividend Com 032108409 160 5,000 SH   OTR 0 5,000 0 0
APA Corporation Com 03743Q108 314 9,186 SH   SOLE 0 9,186 0 0
APA Corporation Com 03743Q108 43 1,250 SH   OTR 0 1,250 0 0
Apple Inc Com 037833100 19,199 138,922 SH   SOLE 0 125,766 315 12,841
Apple Inc Com 037833100 12,066 87,305 SH   OTR 0 79,492 2,395 5,418
Arrow Finl Corp Com 042744102 232 8,034 SH   SOLE 0 1,902 0 6,132
Arrow Finl Corp Com 042744102 153 5,304 SH   OTR 0 5,304 0 0
Autoliv Inc Com 052800109 628 9,430 SH   SOLE 0 8,386 0 1,044
Autoliv Inc Com 052800109 716 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,383 19,376 SH   SOLE 0 19,096 0 280
Automatic Data Processing Inc Com 053015103 1,469 6,496 SH   OTR 0 5,881 135 480
BP PLC Spons ADR Com 055622104 102 3,564 SH   SOLE 0 3,564 0 0
BP PLC Spons ADR Com 055622104 186 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 639 21,143 SH   SOLE 0 20,495 0 648
Bank of America Corp Com 060505104 198 6,570 SH   OTR 0 6,570 0 0
Bank of New York Mellon Corp Com 064058100 532 13,807 SH   SOLE 0 13,807 0 0
Bank of New York Mellon Corp Com 064058100 32 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 380 7,063 SH   SOLE 0 7,063 0 0
Baxter Intl Inc Com 071813109 146 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 280 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 236 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,346 8,785 SH   SOLE 0 8,555 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,154 8,066 SH   OTR 0 8,028 38 0
Best Buy Company Inc Com 086516101 223 3,527 SH   SOLE 0 3,527 0 0
Best Buy Company Inc Com 086516101 25 395 SH   OTR 0 395 0 0
Biogen Inc Com 09062X103 102 382 SH   SOLE 0 382 0 0
Biogen Inc Com 09062X103 139 522 SH   OTR 0 522 0 0
Boeing CO Com 097023105 925 7,642 SH   SOLE 0 7,442 0 200
Boeing CO Com 097023105 1,098 9,065 SH   OTR 0 8,735 180 150
Bristol Myers Squibb CO Com 110122108 3,923 55,187 SH   SOLE 0 52,407 660 2,120
Bristol Myers Squibb CO Com 110122108 2,441 34,332 SH   OTR 0 28,757 315 5,260
Cigna Corp Com 125523100 250 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 20 73 SH   OTR 0 73 0 0
Csx Corp Com 126408103 210 7,890 SH   SOLE 0 7,890 0 0
Csx Corp Com 126408103 173 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,322 34,836 SH   SOLE 0 33,765 0 1,071
CVS Health Corp Com 126650100 1,687 17,692 SH   OTR 0 16,011 300 1,381
Carrier Global Corporation Com 14448C104 750 21,090 SH   SOLE 0 20,296 100 694
Carrier Global Corporation Com 14448C104 508 14,287 SH   OTR 0 13,021 1,066 200
Caterpillar Inc Com 149123101 2,031 12,377 SH   SOLE 0 11,489 0 888
Caterpillar Inc Com 149123101 1,626 9,907 SH   OTR 0 9,570 37 300
Chevron Corporation Com 166764100 5,802 40,382 SH   SOLE 0 38,077 350 1,955
Chevron Corporation Com 166764100 4,301 29,937 SH   OTR 0 28,372 375 1,190
Chipotle Mexican Grill Inc Com 169656105 212 141 SH   SOLE 0 141 0 0
Chipotle Mexican Grill Inc Com 169656105 65 43 SH   OTR 0 43 0 0
Cisco Systems Inc Com 17275R102 2,917 72,937 SH   SOLE 0 68,462 0 4,475
Cisco Systems Inc Com 17275R102 1,991 49,778 SH   OTR 0 48,033 715 1,030
Citigroup Inc Com 172967424 459 11,015 SH   SOLE 0 11,015 0 0
Citigroup Inc Com 172967424 226 5,426 SH   OTR 0 5,276 150 0
Clorox Company Com 189054109 614 4,781 SH   SOLE 0 4,781 0 0
Clorox Company Com 189054109 303 2,360 SH   OTR 0 1,875 0 485
Coca Cola CO Com 191216100 2,464 43,980 SH   SOLE 0 38,131 865 4,984
Coca Cola CO Com 191216100 1,020 18,209 SH   OTR 0 13,254 150 4,805
Colgate Palmolive CO Com 194162103 898 12,786 SH   SOLE 0 10,926 410 1,450
Colgate Palmolive CO Com 194162103 381 5,430 SH   OTR 0 3,980 0 1,450
ComCast Corp-Cl A Com 20030N101 666 22,695 SH   SOLE 0 20,585 0 2,110
ComCast Corp-Cl A Com 20030N101 317 10,811 SH   OTR 0 8,828 810 1,173
Community Bank System Inc Com 203607106 114 1,902 SH   SOLE 0 1,700 0 202
Community Bank System Inc Com 203607106 455 7,580 SH   OTR 0 7,000 580 0
Conocophillips Com 20825C104 810 7,914 SH   SOLE 0 7,814 100 0
Conocophillips Com 20825C104 166 1,622 SH   OTR 0 1,472 150 0
Corning Inc Com 219350105 371 12,774 SH   SOLE 0 12,774 0 0
Corning Inc Com 219350105 242 8,350 SH   OTR 0 5,600 900 1,850
Corteva Inc Com Com 22052L104 105 1,838 SH   SOLE 0 1,747 0 91
Corteva Inc Com Com 22052L104 470 8,222 SH   OTR 0 7,994 0 228
Costco Wholesale Corp Com 22160K105 889 1,882 SH   SOLE 0 1,882 0 0
Costco Wholesale Corp Com 22160K105 586 1,241 SH   OTR 0 751 0 490
DTE Energy Co Com 233331107 346 3,009 SH   SOLE 0 3,009 0 0
Danaher Corp Com 235851102 4,336 16,789 SH   SOLE 0 14,829 0 1,960
Danaher Corp Com 235851102 2,742 10,615 SH   OTR 0 9,433 125 1,057
Deere & CO Com 244199105 2,139 6,407 SH   SOLE 0 5,719 25 663
Deere & CO Com 244199105 3,581 10,724 SH   OTR 0 10,654 70 0
Dicks Sporting Goods Inc Com 253393102 470 4,491 SH   SOLE 0 3,776 0 715
Dicks Sporting Goods Inc Com 253393102 47 453 SH   OTR 0 453 0 0
Disney Walt CO New Com 254687106 2,945 31,224 SH   SOLE 0 30,007 0 1,217
Disney Walt CO New Com 254687106 1,986 21,059 SH   OTR 0 19,734 600 725
Dominion Resources Inc Com 25746U109 1,098 15,886 SH   SOLE 0 15,576 0 310
Dominion Resources Inc Com 25746U109 688 9,955 SH   OTR 0 7,575 80 2,300
Dow Inc Com Com 260557103 662 15,059 SH   SOLE 0 14,968 0 91
Dow Inc Com Com 260557103 887 20,199 SH   OTR 0 18,425 16 1,758
Duke Energy Corp Com 26441C204 311 3,339 SH   SOLE 0 3,054 285 0
Duke Energy Corp Com 26441C204 128 1,375 SH   OTR 0 1,275 100 0
Dupont De Nemours Inc Com 26614N102 761 15,109 SH   SOLE 0 15,018 0 91
Dupont De Nemours Inc Com 26614N102 700 13,890 SH   OTR 0 12,729 316 845
Ecolab Inc Com 278865100 952 6,592 SH   SOLE 0 6,592 0 0
Ecolab Inc Com 278865100 415 2,875 SH   OTR 0 2,385 40 450
Emerson Elec CO Com 291011104 783 10,694 SH   SOLE 0 10,694 0 0
Emerson Elec CO Com 291011104 248 3,390 SH   OTR 0 3,190 200 0
Exelon Corp Com 30161N101 136 3,622 SH   SOLE 0 3,622 0 0
Exelon Corp Com 30161N101 105 2,796 SH   OTR 0 2,446 0 350
Exxonmobil Corp Com 30231G102 6,964 79,758 SH   SOLE 0 75,907 730 3,121
Exxonmobil Corp Com 30231G102 5,806 66,494 SH   OTR 0 62,919 660 2,915
Meta Platforms Inc Com 30303M102 848 6,248 SH   SOLE 0 6,248 0 0
Meta Platforms Inc Com 30303M102 539 3,974 SH   OTR 0 3,974 0 0
Fiserv Inc Com 337738108 425 4,544 SH   SOLE 0 4,544 0 0
Fiserv Inc Com 337738108 82 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 37,484 997,174 SH   SOLE 0 993,303 0 3,871
FlexShares Mstar Glbl Upstrm N Com 33939L407 3,164 84,160 SH   OTR 0 81,235 340 2,585
Flexshares Disciplined Duratio Com 33939L779 850 42,065 SH   SOLE 0 42,065 0 0
FlexShares Global Quality Real Com 33939L787 501 10,010 SH   SOLE 0 10,010 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 7,069 154,794 SH   SOLE 0 154,794 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 784 17,163 SH   OTR 0 16,918 0 245
FlexShares International Quali Com 33939L837 463 26,015 SH   SOLE 0 26,015 0 0
FlexShares International Quali Com 33939L837 23 1,300 SH   OTR 0 1,300 0 0
Fortive Corp Com 34959J108 244 4,177 SH   SOLE 0 3,877 0 300
Fortive Corp Com 34959J108 111 1,899 SH   OTR 0 1,055 50 794
Freeport-McMoran Inc Com 35671D857 134 4,917 SH   SOLE 0 4,917 0 0
Freeport-McMoran Inc Com 35671D857 86 3,138 SH   OTR 0 1,413 0 1,725
General Dynamics Corp Com 369550108 1,109 5,228 SH   SOLE 0 5,078 0 150
General Dynamics Corp Com 369550108 190 896 SH   OTR 0 896 0 0
General Electric Co New Com 369604301 260 4,206 SH   SOLE 0 3,852 0 354
General Electric Co New Com 369604301 182 2,933 SH   OTR 0 2,924 0 9
General Mls Inc Com 370334104 831 10,845 SH   SOLE 0 10,347 0 498
General Mls Inc Com 370334104 535 6,985 SH   OTR 0 6,340 100 545
Gilead Sciences Inc Com 375558103 294 4,759 SH   SOLE 0 4,759 0 0
Gilead Sciences Inc Com 375558103 92 1,491 SH   OTR 0 1,431 60 0
Global X US Preferred ETF Com 37954Y657 246 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104 1,043 3,558 SH   SOLE 0 3,538 20 0
Goldman Sachs Group Inc Com 38141G104 1,178 4,019 SH   OTR 0 4,004 15 0
Grainger W W Inc Com 384802104 1,617 3,305 SH   SOLE 0 3,305 0 0
Grainger W W Inc Com 384802104 900 1,839 SH   OTR 0 959 100 780
The Hershey Company Com 427866108 110 500 SH   SOLE 0 500 0 0
The Hershey Company Com 427866108 165 750 SH   OTR 0 750 0 0
Home Depot Inc Com 437076102 978 3,545 SH   SOLE 0 3,257 0 288
Home Depot Inc Com 437076102 1,450 5,255 SH   OTR 0 4,155 150 950
Honeywell International Inc Com 438516106 2,975 17,815 SH   SOLE 0 16,900 0 915
Honeywell International Inc Com 438516106 1,113 6,665 SH   OTR 0 5,546 290 829
Illinois Tool Wks Inc Com 452308109 305 1,690 SH   SOLE 0 1,690 0 0
Illinois Tool Wks Inc Com 452308109 68 375 SH   OTR 0 375 0 0
Intel Corp Com 458140100 2,343 90,922 SH   SOLE 0 88,397 1,025 1,500
Intel Corp Com 458140100 780 30,281 SH   OTR 0 27,616 1,540 1,125
Intercontinental Exchange Inc Com 45866F104 628 6,955 SH   SOLE 0 6,955 0 0
Intercontinental Exchange Inc Com 45866F104 62 688 SH   OTR 0 688 0 0
Intl. Business Machines Corp Com 459200101 2,120 17,846 SH   SOLE 0 15,684 430 1,732
Intl. Business Machines Corp Com 459200101 2,120 17,846 SH   OTR 0 16,263 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 202 3,493 SH   SOLE 0 3,493 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 295 2,811 SH   SOLE 0 2,811 0 0
Ishares Core S&P 500 ETF Com 464287200 212 590 SH   SOLE 0 590 0 0
Ishares Core Total U.S. Aggreg Com 464287226 224 2,320 SH   SOLE 0 2,320 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 2,667 76,465 SH   SOLE 0 74,762 525 1,178
Ishares Msci Emerging Mkt ETF Com 464287234 778 22,317 SH   OTR 0 21,381 561 375
Ishares 1-3 Year Treasury ETF Com 464287457 1,692 20,831 SH   SOLE 0 20,831 0 0
Ishares Msci Eafe ETF Com 464287465 2,761 49,300 SH   SOLE 0 46,459 0 2,841
Ishares Msci Eafe ETF Com 464287465 915 16,339 SH   OTR 0 16,064 200 75
Ishares Core S&P Mid-Cap ETF Com 464287507 1,453 6,625 SH   SOLE 0 6,625 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 419 1,911 SH   OTR 0 1,766 0 145
Ishares Nasdaq Biotech ETF Com 464287556 2,545 21,758 SH   SOLE 0 20,966 96 696
Ishares Nasdaq Biotech ETF Com 464287556 1,659 14,184 SH   OTR 0 12,047 540 1,597
Ishares S&P Midcap 400/Grwth E Com 464287606 240 3,816 SH   SOLE 0 3,816 0 0
Ishares Russell 1000 Growth ET Com 464287614 231 1,097 SH   SOLE 0 1,097 0 0
Ishares Russell 2000 Value ETF Com 464287630 252 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 Value ETF Com 464287630 24 185 SH   OTR 0 0 185 0
Ishares Russell 2000 ETF Com 464287655 4,684 28,400 SH   SOLE 0 26,865 0 1,535
Ishares Russell 2000 ETF Com 464287655 640 3,883 SH   OTR 0 3,748 100 35
Ishares DJ US Telcom Sector ET Com 464287713 605 28,982 SH   SOLE 0 28,982 0 0
Ishares DJ US Telcom Sector ET Com 464287713 408 19,555 SH   OTR 0 19,355 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 477 5,466 SH   SOLE 0 5,466 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 2,797 57,329 SH   SOLE 0 57,319 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 317 6,502 SH   OTR 0 6,502 0 0
Ishares New York Muni Bond ETF Com 464288323 899 17,765 SH   SOLE 0 17,765 0 0
Ishares IBoxx High Yield Corpo Com 464288513 2,289 32,059 SH   SOLE 0 32,059 0 0
Ishares IBoxx High Yield Corpo Com 464288513 4 50 SH   OTR 0 50 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646 381 7,739 SH   SOLE 0 7,739 0 0
Ishares 3-7 Year Treasury Bond Com 464288661 730 6,390 SH   SOLE 0 6,390 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,131 67,293 SH   SOLE 0 67,293 0 0
Ishares S&P Pref Stk ETF Com 464288687 326 10,304 SH   OTR 0 7,124 0 3,180
Ishares MSCI EAFE Growth ETF Com 464288885 14,750 203,284 SH   SOLE 0 201,271 0 2,013
Ishares MSCI EAFE Growth ETF Com 464288885 2,562 35,309 SH   OTR 0 35,229 0 80
IShares Russell Top 200 Growth Com 464289438 207 1,730 SH   SOLE 0 1,730 0 0
iShares Core High Dividend ETF Com 46429B663 795 8,706 SH   SOLE 0 8,706 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 3,819 39,735 SH   SOLE 0 39,735 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 993 10,331 SH   OTR 0 10,331 0 0
Ishares Core Msci Eafe ETF Com 46432F842 6,964 132,225 SH   SOLE 0 132,170 0 55
Ishares Core Msci Eafe ETF Com 46432F842 728 13,820 SH   OTR 0 13,820 0 0
Ishares Core Emerging Markets Com 46434G103 2,649 61,636 SH   SOLE 0 61,636 0 0
Ishares Core Emerging Markets Com 46434G103 785 18,267 SH   OTR 0 18,267 0 0
IShares Core Intnl Agg Bond ET Com 46435G672 395 8,177 SH   SOLE 0 8,177 0 0
JP Morgan Chase & CO Com 46625H100 6,097 58,341 SH   SOLE 0 56,571 112 1,658
JP Morgan Chase & CO Com 46625H100 4,350 41,623 SH   OTR 0 36,460 585 4,578
JPMorgan Municipal ETF Com 46641Q647 128 2,645 SH   SOLE 0 2,645 0 0
JPMorgan Municipal ETF Com 46641Q647 123 2,545 SH   OTR 0 2,545 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 404 8,055 SH   SOLE 0 8,055 0 0
Johnson & Johnson Com 478160104 9,222 56,450 SH   SOLE 0 51,055 150 5,245
Johnson & Johnson Com 478160104 4,825 29,536 SH   OTR 0 25,914 260 3,362
Kimberly Clark Corp Com 494368103 430 3,823 SH   SOLE 0 3,823 0 0
Kimberly Clark Corp Com 494368103 45 400 SH   OTR 0 400 0 0
Kraft Heinz CO Com 500754106 164 4,915 SH   SOLE 0 4,915 0 0
Kraft Heinz CO Com 500754106 236 7,081 SH   OTR 0 7,081 0 0
Lauder Estee Cos Cl-A Com 518439104 163 757 SH   SOLE 0 757 0 0
Lauder Estee Cos Cl-A Com 518439104 62 286 SH   OTR 0 286 0 0
Lilly Eli & CO Com 532457108 552 1,708 SH   SOLE 0 1,180 0 528
Lilly Eli & CO Com 532457108 2,048 6,335 SH   OTR 0 5,285 25 1,025
Lockheed Martin Corp Com 539830109 2,899 7,504 SH   SOLE 0 6,954 0 550
Lockheed Martin Corp Com 539830109 869 2,250 SH   OTR 0 2,250 0 0
Lowes Cos Inc Com 548661107 7,194 38,305 SH   SOLE 0 37,775 25 505
Lowes Cos Inc Com 548661107 4,323 23,020 SH   OTR 0 21,986 325 709
Marsh & McLennan Companies Inc Com 571748102 231 1,546 SH   SOLE 0 1,546 0 0
Marsh & McLennan Companies Inc Com 571748102 199 1,331 SH   OTR 0 1,331 0 0
Marriott International Inc Com 571903202 241 1,723 SH   SOLE 0 1,723 0 0
Mastercard Inc Cl A Com 57636Q104 302 1,062 SH   SOLE 0 1,062 0 0
Mastercard Inc Cl A Com 57636Q104 121 424 SH   OTR 0 424 0 0
McDonalds Corp Com 580135101 6,836 29,625 SH   SOLE 0 29,395 75 155
McDonalds Corp Com 580135101 3,943 17,088 SH   OTR 0 16,275 238 575
Merck & CO Inc Com 58933Y105 3,476 40,357 SH   SOLE 0 38,937 620 800
Merck & CO Inc Com 58933Y105 1,890 21,947 SH   OTR 0 20,297 300 1,350
Metlife Inc Com 59156R108 375 6,177 SH   SOLE 0 6,177 0 0
Metlife Inc Com 59156R108 98 1,611 SH   OTR 0 1,300 111 200
Microsoft Corp Com 594918104 14,472 62,139 SH   SOLE 0 58,931 180 3,028
Microsoft Corp Com 594918104 8,053 34,578 SH   OTR 0 32,467 695 1,416
Microchip Technology Inc Com 595017104 1,970 32,285 SH   SOLE 0 32,285 0 0
Microchip Technology Inc Com 595017104 617 10,110 SH   OTR 0 8,560 300 1,250
Mondelez International Inc Com 609207105 530 9,667 SH   SOLE 0 9,253 0 414
Mondelez International Inc Com 609207105 1,031 18,811 SH   OTR 0 18,811 0 0
Morgan Stanley Com 617446448 212 2,682 SH   SOLE 0 2,682 0 0
Morgan Stanley Com 617446448 20 250 SH   OTR 0 250 0 0
NBT Bancorp Inc Com 628778102 7,121 187,654 SH   SOLE 0 2,806 0 184,848
NBT Bancorp Inc Com 628778102 866 22,809 SH   OTR 0 14,394 0 8,415
Nextera Energy Inc Com 65339F101 2,449 31,231 SH   SOLE 0 29,431 0 1,800
Nextera Energy Inc Com 65339F101 1,710 21,807 SH   OTR 0 12,067 120 9,620
Nike Inc-Class B Com 654106103 1,440 17,320 SH   SOLE 0 17,320 0 0
Nike Inc-Class B Com 654106103 522 6,279 SH   OTR 0 6,279 0 0
Norfolk Southern Corp Com 655844108 1,051 5,015 SH   SOLE 0 5,015 0 0
Norfolk Southern Corp Com 655844108 1,159 5,528 SH   OTR 0 3,963 70 1,495
Novartis Ag Spons ADR Com 66987V109 983 12,939 SH   SOLE 0 12,789 0 150
Novartis Ag Spons ADR Com 66987V109 686 9,024 SH   OTR 0 8,924 100 0
Nucor Corp Com 670346105 806 7,537 SH   SOLE 0 7,537 0 0
Nucor Corp Com 670346105 203 1,900 SH   OTR 0 1,150 0 750
Nvidia Corp Com 67066G104 603 4,969 SH   SOLE 0 4,593 0 376
Nvidia Corp Com 67066G104 61 505 SH   OTR 0 505 0 0
O'Reilly Automotive Inc Com 67103H107 317 450 SH   SOLE 0 450 0 0
Oracle Corporation Com 68389X105 2,045 33,482 SH   SOLE 0 31,982 0 1,500
Oracle Corporation Com 68389X105 597 9,779 SH   OTR 0 7,010 70 2,699
Otis Worldwide Corp Com 68902V107 505 7,922 SH   SOLE 0 7,525 50 347
Otis Worldwide Corp Com 68902V107 404 6,326 SH   OTR 0 5,693 533 100
Palo Alto Networks Com 697435105 432 2,637 SH   SOLE 0 2,637 0 0
Palo Alto Networks Com 697435105 275 1,677 SH   OTR 0 1,677 0 0
Paychex Inc Com 704326107 86 764 SH   SOLE 0 764 0 0
Paychex Inc Com 704326107 135 1,200 SH   OTR 0 1,000 200 0
Paypal Holdings Inc Com 70450Y103 135 1,565 SH   SOLE 0 1,405 0 160
Paypal Holdings Inc Com 70450Y103 241 2,802 SH   OTR 0 953 0 1,849
Pepsico Inc Com 713448108 6,603 40,443 SH   SOLE 0 39,780 90 573
Pepsico Inc Com 713448108 3,110 19,048 SH   OTR 0 17,898 340 810
Pfizer Inc Com 717081103 4,743 108,385 SH   SOLE 0 103,864 0 4,521
Pfizer Inc Com 717081103 2,384 54,490 SH   OTR 0 50,516 1,385 2,589
Philip Morris International Com 718172109 682 8,213 SH   SOLE 0 7,538 0 675
Philip Morris International Com 718172109 2,024 24,377 SH   OTR 0 24,377 0 0
T Rowe Price Group Inc Com 74144T108 2,274 21,651 SH   SOLE 0 21,601 50 0
T Rowe Price Group Inc Com 74144T108 1,461 13,909 SH   OTR 0 13,429 295 185
Procter & Gamble CO Com 742718109 7,487 59,300 SH   SOLE 0 54,548 365 4,387
Procter & Gamble CO Com 742718109 4,362 34,547 SH   OTR 0 30,267 380 3,900
Prudential Finl Inc Com 744320102 1,108 12,916 SH   SOLE 0 12,866 50 0
Prudential Finl Inc Com 744320102 1,096 12,777 SH   OTR 0 12,427 150 200
Public Service Enterprise Grou Com 744573106 86 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106 143 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 2,774 24,555 SH   SOLE 0 24,130 0 425
Qualcomm Inc Com 747525103 1,499 13,265 SH   OTR 0 12,540 225 500
Quanta Services Incorporated Com 74762E102 828 6,500 SH   OTR 0 2,100 0 4,400
Raytheon Technologies Corp Com 75513E101 3,035 37,077 SH   SOLE 0 36,107 100 870
Raytheon Technologies Corp Com 75513E101 2,145 26,201 SH   OTR 0 23,810 1,186 1,205
Shell PLC Spon ADS Com 780259305 5 100 SH   SOLE 0 100 0 0
Shell PLC Spon ADS Com 780259305 485 9,747 SH   OTR 0 5,150 0 4,597
S&P Global Inc Com 78409V104 458 1,499 SH   OTR 0 0 0 1,499
SPDR S&P 500 ETF Trust Com 78462F103 4,129 11,559 SH   SOLE 0 10,985 0 574
SPDR S&P 500 ETF Trust Com 78462F103 620 1,735 SH   OTR 0 1,415 160 160
SPDR Gold Trust Com 78463V107 274 1,771 SH   SOLE 0 1,704 0 67
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Developed Wld e Com 78463X889 2,268 87,891 SH   SOLE 0 87,891 0 0
SPDR Portfolio Developed Wld e Com 78463X889 650 25,197 SH   OTR 0 25,197 0 0
SPDR Preferred Stock ETF Com 78464A292 209 6,005 SH   SOLE 0 6,005 0 0
SPDR Portfolio Intermediate Te Com 78464A375 597 19,074 SH   SOLE 0 19,074 0 0
SPDR Portfolio Short Term Corp Com 78464A474 1,850 63,320 SH   SOLE 0 63,320 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,902 32,299 SH   SOLE 0 31,799 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,255 21,314 SH   OTR 0 21,114 100 100
SPDR S&P Dividend ETF Com 78464A763 10,411 93,376 SH   SOLE 0 93,376 0 0
SPDR S&P Dividend ETF Com 78464A763 987 8,850 SH   OTR 0 8,850 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 995 3,462 SH   SOLE 0 3,462 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 190 660 SH   OTR 0 560 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,210 15,462 SH   SOLE 0 14,473 0 989
Midcap SPDR Trust Series 1 Com 78467Y107 853 2,123 SH   OTR 0 2,041 50 32
Salesforce Inc Com 79466L302 1,355 9,422 SH   SOLE 0 9,329 0 93
Salesforce Inc Com 79466L302 871 6,056 SH   OTR 0 6,056 0 0
Schlumberger Ltd Com 806857108 912 25,390 SH   SOLE 0 24,575 0 815
Schlumberger Ltd Com 806857108 550 15,318 SH   OTR 0 15,028 290 0
Charles Schwab Corp Com 808513105 227 3,154 SH   SOLE 0 3,154 0 0
Charles Schwab Corp Com 808513105 257 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 2,999 79,334 SH   SOLE 0 79,334 0 0
Schwab US Small Cap ETF Com 808524607 290 7,675 SH   OTR 0 7,675 0 0
Schwab Fundamental Intl Lg Co Com 808524755 202 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 6,061 91,241 SH   SOLE 0 89,368 0 1,873
Schwab US Dividend Equity ETF Com 808524797 1,072 16,144 SH   OTR 0 16,144 0 0
Schwab International Equity ET Com 808524805 2,225 79,085 SH   SOLE 0 79,085 0 0
Schwab International Equity ET Com 808524805 467 16,614 SH   OTR 0 15,949 0 665
Schwab US Aggregate Bd ETF Com 808524839 1,117 24,656 SH   SOLE 0 24,656 0 0
Schwab US Aggregate Bd ETF Com 808524839 800 17,662 SH   OTR 0 17,662 0 0
Materials Select SPDR Fund Com 81369Y100 1,304 19,176 SH   SOLE 0 17,145 0 2,031
Materials Select SPDR Fund Com 81369Y100 664 9,762 SH   OTR 0 9,002 315 445
Health Care Select Sector SPDR Com 81369Y209 1,001 8,268 SH   SOLE 0 7,751 0 517
Health Care Select Sector SPDR Com 81369Y209 18 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 583 8,736 SH   SOLE 0 7,425 0 1,311
Consumer Staples Select Sector Com 81369Y308 41 615 SH   OTR 0 130 305 180
Consumer Discretionary Selt Com 81369Y407 1,236 8,680 SH   SOLE 0 6,850 0 1,830
Consumer Discretionary Selt Com 81369Y407 176 1,235 SH   OTR 0 770 355 110
Energy Select Sector SPDR Com 81369Y506 643 8,921 SH   SOLE 0 7,921 0 1,000
Energy Select Sector SPDR Com 81369Y506 129 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 873 28,765 SH   SOLE 0 26,076 0 2,689
Financial Select Sector SPDR Com 81369Y605 73 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 904 10,913 SH   SOLE 0 10,660 0 253
Industrial Select Sector SPDR Com 81369Y704 52 625 SH   OTR 0 535 0 90
Technology Select Sect SPDR Com 81369Y803 1,851 15,583 SH   SOLE 0 15,322 162 99
Technology Select Sect SPDR Com 81369Y803 192 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 805 22,342 SH   SOLE 0 20,224 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,256 34,875 SH   OTR 0 34,704 46 125
Utilities Select Sector SPDR Com 81369Y886 1,943 29,656 SH   SOLE 0 25,493 0 4,163
Utilities Select Sector SPDR Com 81369Y886 1,065 16,262 SH   OTR 0 15,172 620 470
Southern Company Com 842587107 1,117 16,429 SH   SOLE 0 16,429 0 0
Southern Company Com 842587107 770 11,325 SH   OTR 0 11,325 0 0
Starbucks Corp Com 855244109 151 1,792 SH   SOLE 0 1,792 0 0
Starbucks Corp Com 855244109 435 5,160 SH   OTR 0 5,160 0 0
Sysco Corp Com 871829107 392 5,545 SH   SOLE 0 5,545 0 0
Sysco Corp Com 871829107 439 6,204 SH   OTR 0 5,779 0 425
TJX Cos Inc Com 872540109 2,219 35,722 SH   SOLE 0 34,122 300 1,300
TJX Cos Inc Com 872540109 2,045 32,928 SH   OTR 0 32,119 455 354
Target Corp Com 87612E106 2,438 16,428 SH   SOLE 0 16,153 0 275
Target Corp Com 87612E106 2,053 13,834 SH   OTR 0 11,070 165 2,599
Texas Instruments Inc Com 882508104 163 1,056 SH   SOLE 0 1,056 0 0
Texas Instruments Inc Com 882508104 45 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 8 16 SH   SOLE 0 16 0 0
Thermo Fisher Scientific Inc Com 883556102 558 1,100 SH   OTR 0 0 0 1,100
3m CO Com 88579Y101 1,293 11,699 SH   SOLE 0 10,660 330 709
3m CO Com 88579Y101 294 2,660 SH   OTR 0 2,025 265 370
Truist Financial Corporation Com 89832Q109 341 7,829 SH   SOLE 0 7,546 0 283
Truist Financial Corporation Com 89832Q109 177 4,065 SH   OTR 0 4,065 0 0
US Bancorp New Com 902973304 705 17,474 SH   SOLE 0 17,474 0 0
US Bancorp New Com 902973304 221 5,482 SH   OTR 0 4,711 555 216
Union Pac Corp Com 907818108 3,496 17,945 SH   SOLE 0 17,037 0 908
Union Pac Corp Com 907818108 3,259 16,726 SH   OTR 0 15,096 50 1,580
United Parcel Service Cl B Com 911312106 658 4,074 SH   SOLE 0 4,074 0 0
United Parcel Service Cl B Com 911312106 299 1,849 SH   OTR 0 1,814 35 0
Unitedhealth Group Inc Com 91324P102 3,515 6,960 SH   SOLE 0 6,760 0 200
Unitedhealth Group Inc Com 91324P102 2,203 4,362 SH   OTR 0 4,172 120 70
Vaneck ETF Trust Agribusiness Com 92189F700 948 11,751 SH   SOLE 0 10,921 50 780
Vaneck ETF Trust Agribusiness Com 92189F700 889 11,016 SH   OTR 0 10,791 125 100
Vanguard Dividend Appreciation Com 921908844 112 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 676 5,000 SH   OTR 0 5,000 0 0
Vanguard Total Intl Stock Et Com 921909768 42 925 SH   SOLE 0 925 0 0
Vanguard Total Intl Stock Et Com 921909768 236 5,150 SH   OTR 0 5,150 0 0
Vanguard Intermediate-Term Bon Com 921937819 406 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 108 1,475 SH   OTR 0 1,475 0 0
Vanguard FTSE Developed Market Com 921943858 100 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 150 4,125 SH   OTR 0 4,125 0 0
Vanguard High Dividend Yield E Com 921946406 238 2,512 SH   SOLE 0 2,512 0 0
Vanguard High Dividend Yield E Com 921946406 59 620 SH   OTR 0 620 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,357 37,191 SH   SOLE 0 37,191 0 0
Vanguard Ftse Emerging Markets Com 922042858 341 9,340 SH   OTR 0 8,840 0 500
Vanguard Inter Term Corp Bond Com 92206C870 921 12,176 SH   SOLE 0 12,176 0 0
Vanguard Inter Term Corp Bond Com 92206C870 847 11,188 SH   OTR 0 11,188 0 0
Vanguard S&P 500 ETF Com 922908363 9,778 29,785 SH   SOLE 0 29,598 0 187
Vanguard Mid-Cap Value Index F Com 922908512 375 3,079 SH   SOLE 0 3,079 0 0
Vanguard Mid-Cap Value Index F Com 922908512 22 180 SH   OTR 0 180 0 0
Vanguard Real Estate ETF Com 922908553 860 10,728 SH   SOLE 0 10,728 0 0
Vanguard Real Estate ETF Com 922908553 422 5,261 SH   OTR 0 4,930 331 0
Vanguard Index Fund Mid-Cap Com 922908629 134 714 SH   SOLE 0 714 0 0
Vanguard Index Fund Mid-Cap Com 922908629 72 385 SH   OTR 0 385 0 0
Verizon Communications Com 92343V104 2,137 56,282 SH   SOLE 0 52,557 830 2,895
Verizon Communications Com 92343V104 1,405 37,009 SH   OTR 0 33,858 280 2,871
Visa Inc Cl A Com 92826C839 1,471 8,279 SH   SOLE 0 8,279 0 0
Visa Inc Cl A Com 92826C839 1,234 6,949 SH   OTR 0 6,849 100 0
Wal Mart Inc Com 931142103 1,942 14,970 SH   SOLE 0 14,570 0 400
Wal Mart Inc Com 931142103 1,734 13,371 SH   OTR 0 11,755 350 1,266
Walgreens Boots Alliance Inc Com 931427108 176 5,592 SH   SOLE 0 5,592 0 0
Walgreens Boots Alliance Inc Com 931427108 135 4,300 SH   OTR 0 3,700 0 600
Waste Management Inc Com 94106L109 22 140 SH   SOLE 0 140 0 0
Waste Management Inc Com 94106L109 237 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,207 29,998 SH   SOLE 0 29,224 0 774
Wells Fargo & CO Com 949746101 451 11,223 SH   OTR 0 8,438 600 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 1,853 49,196 SH   SOLE 0 48,440 0 756
WisdomTree MidCap Dividend ETF Com 97717W505 218 5,794 SH   OTR 0 2,784 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 511 19,863 SH   SOLE 0 19,738 0 125
WisdomTree SmallCap Dividend E Com 97717W604 18 697 SH   OTR 0 697 0 0
Xylem Inc Com 98419M100 289 3,313 SH   SOLE 0 3,313 0 0
Xylem Inc Com 98419M100 127 1,450 SH   OTR 0 1,450 0 0
Yum! Brands Inc Com 988498101 259 2,439 SH   SOLE 0 2,439 0 0
Yum! Brands Inc Com 988498101 53 500 SH   OTR 0 500 0 0
Zimmer Biomet Holdings Inc Com 98956P102 403 3,852 SH   SOLE 0 3,602 60 190
Zimmer Biomet Holdings Inc Com 98956P102 270 2,583 SH   OTR 0 2,158 100 325
Deutsche Bank Ag ADR Com D18190898 74 10,000 SH   SOLE 0 10,000 0 0
Eaton Corp PLC Com G29183103 670 5,026 SH   SOLE 0 5,026 0 0
Eaton Corp PLC Com G29183103 676 5,068 SH   OTR 0 3,993 0 1,075
Linde PLC Com G5494J103 1,570 5,825 SH   SOLE 0 5,825 0 0
Linde PLC Com G5494J103 910 3,374 SH   OTR 0 2,449 0 925
Medtronic PLC Com G5960L103 823 10,188 SH   SOLE 0 10,188 0 0
Medtronic PLC Com G5960L103 736 9,111 SH   OTR 0 8,540 71 500