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 2,525 75,342 SH   SOLE 0 74,342 0 1,000
AT&T Inc Com 00206R102 1,502 44,821 SH   OTR 0 39,158 400 5,263
Abbott Labs Com 002824100 5,558 66,087 SH   SOLE 0 65,587 0 500
Abbott Labs Com 002824100 1,974 23,475 SH   OTR 0 21,450 621 1,404
Abbvie Inc Com 00287Y109 2,189 30,097 SH   SOLE 0 29,897 0 200
Abbvie Inc Com 00287Y109 1,385 19,052 SH   OTR 0 17,187 395 1,470
Activision Blizzard, Inc Com 00507V109 569 12,052 SH   SOLE 0 12,052 0 0
Activision Blizzard, Inc Com 00507V109 299 6,330 SH   OTR 0 6,330 0 0
Air Products & Chemicals Inc Com 009158106 1,592 7,032 SH   SOLE 0 7,032 0 0
Air Products & Chemicals Inc Com 009158106 479 2,115 SH   OTR 0 2,115 0 0
Alphabet Inc Cl C Com 02079K107 2,845 2,632 SH   SOLE 0 2,577 0 55
Alphabet Inc Cl C Com 02079K107 2,209 2,044 SH   OTR 0 2,029 0 15
Alphabet Inc Cl A Com 02079K305 1,990 1,838 SH   SOLE 0 1,818 0 20
Alphabet Inc Cl A Com 02079K305 449 415 SH   OTR 0 415 0 0
Altria Group Inc Com 02209S103 604 12,748 SH   SOLE 0 11,673 0 1,075
Altria Group Inc Com 02209S103 1,903 40,200 SH   OTR 0 39,150 200 850
Amazon.Com Inc Com 023135106 824 435 SH   SOLE 0 435 0 0
Amazon.Com Inc Com 023135106 352 186 SH   OTR 0 186 0 0
American Express CO Com 025816109 764 6,193 SH   SOLE 0 6,193 0 0
American Express CO Com 025816109 191 1,546 SH   OTR 0 1,260 0 286
American Water Works CO Inc Com 030420103 1,248 10,761 SH   SOLE 0 10,761 0 0
American Water Works CO Inc Com 030420103 1,157 9,975 SH   OTR 0 7,865 100 2,010
Amgen Inc Com 031162100 360 1,954 SH   SOLE 0 1,954 0 0
Amgen Inc Com 031162100 347 1,885 SH   OTR 0 1,885 0 0
Anadarko Petroleum Corporation Com 032511107 109 1,549 SH   SOLE 0 1,549 0 0
Anadarko Petroleum Corporation Com 032511107 155 2,200 SH   OTR 0 2,200 0 0
Apache Corp Com 037411105 542 18,713 SH   SOLE 0 18,713 0 0
Apache Corp Com 037411105 367 12,685 SH   OTR 0 11,985 100 600
Apple Inc Com 037833100 10,285 51,965 SH   SOLE 0 48,720 105 3,140
Apple Inc Com 037833100 5,001 25,268 SH   OTR 0 23,533 790 945
Arrow Finl Corp Com 042744102 600 17,268 SH   SOLE 0 9,998 0 7,270
Arrow Finl Corp Com 042744102 121 3,477 SH   OTR 0 3,477 0 0
Autoliv Inc Com 052800109 753 10,677 SH   SOLE 0 9,927 0 750
Autoliv Inc Com 052800109 869 12,321 SH   OTR 0 12,321 0 0
Automatic Data Processing Inc Com 053015103 4,256 25,741 SH   SOLE 0 25,461 0 280
Automatic Data Processing Inc Com 053015103 1,397 8,448 SH   OTR 0 7,828 140 480
BP PLC Spons ADR Com 055622104 106 2,546 SH   SOLE 0 2,546 0 0
BP PLC Spons ADR Com 055622104 328 7,876 SH   OTR 0 7,676 0 200
Bank of America Corp Com 060505104 467 16,103 SH   SOLE 0 16,103 0 0
Bank of America Corp Com 060505104 394 13,575 SH   OTR 0 13,575 0 0
Bank of New York Mellon Corp Com 064058100 479 10,859 SH   SOLE 0 10,859 0 0
Bank of New York Mellon Corp Com 064058100 37 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 672 8,204 SH   SOLE 0 8,204 0 0
Baxter Intl Inc Com 071813109 348 4,249 SH   OTR 0 2,689 100 1,460
Becton Dickinson Com 075887109 425 1,686 SH   SOLE 0 1,686 0 0
Becton Dickinson Com 075887109 266 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,542 11,925 SH   SOLE 0 11,695 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 1,858 8,718 SH   OTR 0 8,698 20 0
Best Buy Company Inc Com 086516101 299 4,284 SH   SOLE 0 4,284 0 0
Best Buy Company Inc Com 086516101 28 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 186 3,204 SH   SOLE 0 3,004 0 200
BHP Group Ltd Spons ADR Com 088606108 103 1,775 SH   OTR 0 1,725 0 50
Biogen Inc Com 09062X103 58 249 SH   SOLE 0 249 0 0
Biogen Inc Com 09062X103 147 630 SH   OTR 0 630 0 0
Boeing CO Com 097023105 1,779 4,887 SH   SOLE 0 4,652 0 235
Boeing CO Com 097023105 2,902 7,971 SH   OTR 0 7,871 100 0
Bristol Myers Squibb CO Com 110122108 3,080 67,909 SH   SOLE 0 65,064 725 2,120
Bristol Myers Squibb CO Com 110122108 1,699 37,465 SH   OTR 0 33,935 480 3,050
Csx Corp Com 126408103 239 3,084 SH   SOLE 0 3,084 0 0
Csx Corp Com 126408103 252 3,260 SH   OTR 0 3,260 0 0
CVS Health Corp Com 126650100 1,989 36,511 SH   SOLE 0 35,871 0 640
CVS Health Corp Com 126650100 842 15,451 SH   OTR 0 13,436 340 1,675
Caterpillar Inc Com 149123101 1,925 14,121 SH   SOLE 0 14,121 0 0
Caterpillar Inc Com 149123101 1,224 8,980 SH   OTR 0 8,635 45 300
Celgene Corp Com 151020104 246 2,660 SH   SOLE 0 2,660 0 0
Celgene Corp Com 151020104 240 2,595 SH   OTR 0 2,595 0 0
Chevron Corporation Com 166764100 5,964 47,930 SH   SOLE 0 46,490 425 1,015
Chevron Corporation Com 166764100 4,516 36,290 SH   OTR 0 34,250 510 1,530
Cisco Systems Inc Com 17275R102 4,057 74,130 SH   SOLE 0 71,375 0 2,755
Cisco Systems Inc Com 17275R102 2,491 45,506 SH   OTR 0 44,501 525 480
Citigroup Inc Com 172967424 714 10,202 SH   SOLE 0 10,202 0 0
Citigroup Inc Com 172967424 521 7,445 SH   OTR 0 6,545 150 750
Clorox Company Com 189054109 766 5,002 SH   SOLE 0 5,002 0 0
Clorox Company Com 189054109 583 3,810 SH   OTR 0 3,325 0 485
Coca Cola CO Com 191216100 2,398 47,084 SH   SOLE 0 41,184 1,100 4,800
Coca Cola CO Com 191216100 1,563 30,695 SH   OTR 0 25,515 150 5,030
Colgate Palmolive CO Com 194162103 1,209 16,870 SH   SOLE 0 14,970 500 1,400
Colgate Palmolive CO Com 194162103 854 11,910 SH   OTR 0 10,210 0 1,700
ComCast Corp-Cl A Com 20030N101 945 22,358 SH   SOLE 0 20,576 0 1,782
ComCast Corp-Cl A Com 20030N101 362 8,561 SH   OTR 0 6,563 650 1,348
Conocophillips Com 20825C104 604 9,900 SH   SOLE 0 9,700 100 100
Conocophillips Com 20825C104 173 2,837 SH   OTR 0 2,587 100 150
Corning Inc Com 219350105 404 12,156 SH   SOLE 0 12,156 0 0
Corning Inc Com 219350105 420 12,650 SH   OTR 0 10,950 700 1,000
Corteva Inc Com Com 22052L104 306 10,339 SH   SOLE 0 10,248 0 91
Corteva Inc Com Com 22052L104 361 12,222 SH   OTR 0 10,981 34 1,207
Costco Wholesale Corp Com 22160K105 318 1,204 SH   SOLE 0 1,204 0 0
Costco Wholesale Corp Com 22160K105 362 1,369 SH   OTR 0 729 0 640
Danaher Corp Com 235851102 3,803 26,608 SH   SOLE 0 24,778 0 1,830
Danaher Corp Com 235851102 2,181 15,263 SH   OTR 0 13,333 140 1,790
Deere & CO Com 244199105 1,738 10,490 SH   SOLE 0 10,300 25 165
Deere & CO Com 244199105 1,932 11,659 SH   OTR 0 11,589 70 0
Digital Realty Trust Inc REIT Com 253868103 101 860 SH   SOLE 0 860 0 0
Digital Realty Trust Inc REIT Com 253868103 141 1,196 SH   OTR 0 1,196 0 0
Disney Walt CO New Com 254687106 5,551 39,752 SH   SOLE 0 38,967 0 785
Disney Walt CO New Com 254687106 3,252 23,291 SH   OTR 0 21,566 570 1,155
Dominion Resources Inc Com 25746U109 1,158 14,972 SH   SOLE 0 14,662 0 310
Dominion Resources Inc Com 25746U109 955 12,355 SH   OTR 0 9,325 80 2,950
Dow Inc Com Com 260557103 681 13,804 SH   SOLE 0 13,713 0 91
Dow Inc Com Com 260557103 753 15,264 SH   OTR 0 13,974 50 1,240
Duke Energy Corp Com 26441C204 267 3,028 SH   SOLE 0 2,695 333 0
Duke Energy Corp Com 26441C204 164 1,862 SH   OTR 0 1,762 100 0
Dupont De Nemours Inc Com 26614N102 1,058 14,099 SH   SOLE 0 14,008 0 91
Dupont De Nemours Inc Com 26614N102 1,165 15,520 SH   OTR 0 14,130 50 1,340
Ecolab Inc Com 278865100 1,639 8,300 SH   SOLE 0 8,300 0 0
Ecolab Inc Com 278865100 578 2,930 SH   OTR 0 2,440 40 450
Emerson Elec CO Com 291011104 889 13,317 SH   SOLE 0 13,317 0 0
Emerson Elec CO Com 291011104 432 6,481 SH   OTR 0 6,381 100 0
Exelon Corp Com 30161N101 209 4,355 SH   SOLE 0 4,355 0 0
Exelon Corp Com 30161N101 171 3,565 SH   OTR 0 3,215 0 350
Exxonmobil Corp Com 30231G102 7,566 98,736 SH   SOLE 0 94,391 850 3,495
Exxonmobil Corp Com 30231G102 5,751 75,044 SH   OTR 0 72,049 635 2,360
Facebook Inc-A Com 30303M102 932 4,830 SH   SOLE 0 4,830 0 0
Facebook Inc-A Com 30303M102 756 3,919 SH   OTR 0 3,919 0 0
Fiserv Inc Com 337738108 705 7,732 SH   SOLE 0 7,732 0 0
Fiserv Inc Com 337738108 116 1,274 SH   OTR 0 1,274 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 39,377 1,192,890 SH   SOLE 0 1,183,927 0 8,963
FlexShares Mstar Glbl Upstrm N Com 33939L407 4,778 144,756 SH   OTR 0 136,359 340 8,057
FlexShares Global Quality Real Com 33939L787 511 8,050 SH   SOLE 0 8,050 0 0
FlexShares Global Quality Real Com 33939L787 2 30 SH   OTR 0 30 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 4,225 82,834 SH   SOLE 0 82,809 0 25
FlexShares STOXX Glbl Brd Infr Com 33939L795 264 5,180 SH   OTR 0 4,475 0 705
FlexShares International Quali Com 33939L837 266 11,545 SH   SOLE 0 11,545 0 0
FlexShares International Quali Com 33939L837 84 3,655 SH   OTR 0 3,655 0 0
Fortive Corp Com 34959J108 512 6,285 SH   SOLE 0 5,675 0 610
Fortive Corp Com 34959J108 204 2,499 SH   OTR 0 1,655 50 794
General Dynamics Corp Com 369550108 969 5,329 SH   SOLE 0 5,179 0 150
General Dynamics Corp Com 369550108 222 1,220 SH   OTR 0 1,170 0 50
General Electric Corp Com 369604103 468 44,576 SH   SOLE 0 44,451 0 125
General Electric Corp Com 369604103 631 60,082 SH   OTR 0 58,157 300 1,625
General Mls Inc Com 370334104 577 10,989 SH   SOLE 0 10,989 0 0
General Mls Inc Com 370334104 455 8,670 SH   OTR 0 6,825 100 1,745
Genuine Parts CO Com 372460105 204 1,966 SH   SOLE 0 1,966 0 0
Gilead Sciences Inc Com 375558103 266 3,942 SH   SOLE 0 3,942 0 0
Gilead Sciences Inc Com 375558103 45 665 SH   OTR 0 665 0 0
Glaxo Smithkline Spons ADR Com 37733W105 323 8,079 SH   SOLE 0 8,079 0 0
Glaxo Smithkline Spons ADR Com 37733W105 277 6,912 SH   OTR 0 5,907 255 750
Goldman Sachs Group Inc Com 38141G104 931 4,552 SH   SOLE 0 4,532 20 0
Goldman Sachs Group Inc Com 38141G104 772 3,775 SH   OTR 0 3,775 0 0
Grainger W W Inc Com 384802104 972 3,625 SH   SOLE 0 3,625 0 0
Grainger W W Inc Com 384802104 742 2,765 SH   OTR 0 1,795 100 870
Home Depot Inc Com 437076102 705 3,389 SH   SOLE 0 3,389 0 0
Home Depot Inc Com 437076102 1,153 5,545 SH   OTR 0 4,995 50 500
Honeywell International Inc Com 438516106 3,130 17,926 SH   SOLE 0 17,061 0 865
Honeywell International Inc Com 438516106 1,308 7,489 SH   OTR 0 5,915 300 1,274
Illinois Tool Wks Inc Com 452308109 302 2,004 SH   SOLE 0 2,004 0 0
Illinois Tool Wks Inc Com 452308109 90 600 SH   OTR 0 600 0 0
Intel Corp Com 458140100 5,719 119,460 SH   SOLE 0 116,760 1,200 1,500
Intel Corp Com 458140100 2,117 44,224 SH   OTR 0 41,274 1,250 1,700
Intercontinental Exchange Inc Com 45866F104 556 6,470 SH   SOLE 0 6,470 0 0
Intercontinental Exchange Inc Com 45866F104 71 825 SH   OTR 0 625 0 200
Intl. Business Machines Corp Com 459200101 1,980 14,355 SH   SOLE 0 12,915 435 1,005
Intl. Business Machines Corp Com 459200101 1,858 13,471 SH   OTR 0 11,888 0 1,583
Ishares Msci Emerging Mkt ETF Com 464287234 3,075 71,662 SH   SOLE 0 70,836 525 301
Ishares Msci Emerging Mkt ETF Com 464287234 711 16,574 SH   OTR 0 15,494 355 725
Ishares Msci Eafe ETF Com 464287465 3,173 48,273 SH   SOLE 0 48,273 0 0
Ishares Msci Eafe ETF Com 464287465 805 12,254 SH   OTR 0 11,644 285 325
Ishares Russell Mid Cap ETF Com 464287499 206 3,695 SH   SOLE 0 3,695 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 1,552 7,990 SH   SOLE 0 7,990 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 524 2,696 SH   OTR 0 2,496 0 200
Ishares Nasdaq Biotech ETF Com 464287556 2,695 24,698 SH   SOLE 0 24,110 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,423 13,042 SH   OTR 0 12,277 615 150
Ishares S&P Midcap 400/Grwth E Com 464287606 210 926 SH   SOLE 0 926 0 0
Ishares Russell 2000 ETF Com 464287655 5,027 32,326 SH   SOLE 0 31,543 0 783
Ishares Russell 2000 ETF Com 464287655 602 3,873 SH   OTR 0 3,603 235 35
Ishares DJ US Telcom Sector ET Com 464287713 841 28,546 SH   SOLE 0 28,546 0 0
Ishares DJ US Telcom Sector ET Com 464287713 560 19,020 SH   OTR 0 18,820 200 0
Ishares Msci Eafe Small Cap ET Com 464288273 2,830 49,310 SH   SOLE 0 48,190 0 1,120
Ishares Msci Eafe Small Cap ET Com 464288273 490 8,545 SH   OTR 0 8,405 0 140
Ishares IBoxx High Yield Corpo Com 464288513 1,307 14,995 SH   SOLE 0 14,995 0 0
Ishares IBoxx High Yield Corpo Com 464288513 7 80 SH   OTR 0 80 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 239 4,478 SH   SOLE 0 4,478 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,420 65,672 SH   SOLE 0 65,672 0 0
Ishares S&P Pref Stk ETF Com 464288687 702 19,059 SH   OTR 0 15,079 0 3,980
Ishares Aaa-A Rated Corp Bond Com 46429B291 207 3,855 SH   SOLE 0 3,855 0 0
Ishares Core Emerging Markets Com 46434G103 3,465 67,361 SH   SOLE 0 67,361 0 0
Ishares Core Emerging Markets Com 46434G103 674 13,105 SH   OTR 0 13,105 0 0
JP Morgan Chase & CO Com 46625H100 8,213 73,463 SH   SOLE 0 72,376 112 975
JP Morgan Chase & CO Com 46625H100 5,408 48,376 SH   OTR 0 45,376 640 2,360
Johnson & Johnson Com 478160104 9,170 65,842 SH   SOLE 0 61,749 150 3,943
Johnson & Johnson Com 478160104 4,608 33,081 SH   OTR 0 29,221 320 3,540
Keycorp Com 493267108 49 2,762 SH   SOLE 0 2,762 0 0
Keycorp Com 493267108 147 8,300 SH   OTR 0 8,300 0 0
Kimberly Clark Corp Com 494368103 525 3,938 SH   SOLE 0 3,938 0 0
Kimberly Clark Corp Com 494368103 130 975 SH   OTR 0 975 0 0
Kraft Heinz CO Com 500754106 67 2,144 SH   SOLE 0 2,078 0 66
Kraft Heinz CO Com 500754106 230 7,397 SH   OTR 0 7,317 46 34
Lilly Eli & CO Com 532457108 257 2,320 SH   SOLE 0 1,792 0 528
Lilly Eli & CO Com 532457108 696 6,285 SH   OTR 0 5,260 0 1,025
Lockheed Martin Corp Com 539830109 2,907 7,997 SH   SOLE 0 7,482 0 515
Lockheed Martin Corp Com 539830109 1,121 3,084 SH   OTR 0 3,084 0 0
Lowes Cos Inc Com 548661107 5,340 52,920 SH   SOLE 0 52,520 25 375
Lowes Cos Inc Com 548661107 2,777 27,522 SH   OTR 0 26,187 335 1,000
Mastercard Inc Cl A Com 57636Q104 146 553 SH   SOLE 0 553 0 0
Mastercard Inc Cl A Com 57636Q104 179 675 SH   OTR 0 675 0 0
McDonalds Corp Com 580135101 7,565 36,428 SH   SOLE 0 36,323 75 30
McDonalds Corp Com 580135101 4,333 20,866 SH   OTR 0 19,651 265 950
Merck & CO Inc Com 58933Y105 3,590 42,814 SH   SOLE 0 41,339 675 800
Merck & CO Inc Com 58933Y105 1,946 23,212 SH   OTR 0 22,222 165 825
Metlife Inc Com 59156R108 398 8,011 SH   SOLE 0 8,011 0 0
Metlife Inc Com 59156R108 125 2,525 SH   OTR 0 2,114 111 300
Microsoft Corp Com 594918104 11,969 89,346 SH   SOLE 0 86,581 225 2,540
Microsoft Corp Com 594918104 6,532 48,762 SH   OTR 0 44,472 870 3,420
Microchip Technology Inc Com 595017104 1,578 18,205 SH   SOLE 0 18,205 0 0
Microchip Technology Inc Com 595017104 501 5,783 SH   OTR 0 4,808 150 825
Mondelez International Inc Com 609207105 559 10,370 SH   SOLE 0 9,756 0 614
Mondelez International Inc Com 609207105 1,134 21,046 SH   OTR 0 20,805 138 103
NBT Bancorp Inc Com 628778102 5,009 133,532 SH   SOLE 0 55,881 0 77,651
NBT Bancorp Inc Com 628778102 1,481 39,493 SH   OTR 0 36,227 0 3,266
Nextera Energy Inc Com 65339F101 1,688 8,240 SH   SOLE 0 7,790 0 450
Nextera Energy Inc Com 65339F101 1,413 6,897 SH   OTR 0 4,937 30 1,930
Nike Inc-Class B Com 654106103 2,030 24,177 SH   SOLE 0 24,177 0 0
Nike Inc-Class B Com 654106103 1,144 13,624 SH   OTR 0 9,484 140 4,000
Norfolk Southern Corp Com 655844108 1,051 5,273 SH   SOLE 0 5,273 0 0
Norfolk Southern Corp Com 655844108 1,286 6,450 SH   OTR 0 5,355 70 1,025
Novartis Ag Spons ADR Com 66987V109 1,488 16,299 SH   SOLE 0 16,299 0 0
Novartis Ag Spons ADR Com 66987V109 1,097 12,012 SH   OTR 0 11,612 150 250
Nucor Corp Com 670346105 490 8,892 SH   SOLE 0 8,892 0 0
Nucor Corp Com 670346105 344 6,250 SH   OTR 0 4,250 0 2,000
Oracle Corporation Com 68389X105 2,228 39,112 SH   SOLE 0 37,612 0 1,500
Oracle Corporation Com 68389X105 498 8,735 SH   OTR 0 8,535 0 200
Pepsico Inc Com 713448108 6,513 49,669 SH   SOLE 0 49,269 100 300
Pepsico Inc Com 713448108 3,183 24,271 SH   OTR 0 23,091 370 810
Pfizer Inc Com 717081103 4,919 113,561 SH   SOLE 0 110,461 0 3,100
Pfizer Inc Com 717081103 3,109 71,766 SH   OTR 0 67,437 1,740 2,589
Philip Morris International Com 718172109 649 8,259 SH   SOLE 0 7,434 0 825
Philip Morris International Com 718172109 2,584 32,902 SH   OTR 0 32,602 150 150
T Rowe Price Group Inc Com 74144T108 3,187 29,053 SH   SOLE 0 29,003 50 0
T Rowe Price Group Inc Com 74144T108 1,835 16,722 SH   OTR 0 16,127 295 300
Procter & Gamble CO Com 742718109 8,384 76,465 SH   SOLE 0 72,100 500 3,865
Procter & Gamble CO Com 742718109 4,562 41,608 SH   OTR 0 37,103 405 4,100
Prudential Finl Inc Com 744320102 1,647 16,303 SH   SOLE 0 16,253 50 0
Prudential Finl Inc Com 744320102 1,194 11,822 SH   OTR 0 11,472 150 200
Public Service Enterprise Grou Com 744573106 120 2,032 SH   SOLE 0 2,032 0 0
Public Service Enterprise Grou Com 744573106 150 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 2,107 27,703 SH   SOLE 0 27,278 0 425
Qualcomm Inc Com 747525103 1,003 13,184 SH   OTR 0 12,559 125 500
Royal Dutch Shell Spons ADR Com 780259206 29 445 SH   SOLE 0 445 0 0
Royal Dutch Shell Spons ADR Com 780259206 234 3,601 SH   OTR 0 3,351 0 250
SPDR S&P 500 ETF Trust Com 78462F103 3,269 11,157 SH   SOLE 0 10,848 0 309
SPDR S&P 500 ETF Trust Com 78462F103 966 3,298 SH   OTR 0 2,938 160 200
SPDR Gold Trust Com 78463V107 243 1,824 SH   SOLE 0 1,824 0 0
SPDR Gold Trust Com 78463V107 7 50 SH   OTR 0 50 0 0
SPDR Portfolio Developed Wld e Com 78463X889 6,708 226,714 SH   SOLE 0 226,714 0 0
SPDR Portfolio Developed Wld e Com 78463X889 845 28,565 SH   OTR 0 28,565 0 0
SPDR Portfolio Intermediate Te Com 78464A375 693 19,828 SH   SOLE 0 19,828 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,151 40,267 SH   SOLE 0 40,267 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,155 21,612 SH   OTR 0 21,412 100 100
SPDR S&P Dividend ETF Com 78464A763 10,880 107,852 SH   SOLE 0 107,852 0 0
SPDR S&P Dividend ETF Com 78464A763 792 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 175 4,039 SH   SOLE 0 4,039 0 0
SPDR S&P Bank ETF Com 78464A797 49 1,130 SH   OTR 0 1,030 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,020 3,835 SH   SOLE 0 3,835 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 336 1,265 SH   OTR 0 1,165 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,990 19,712 SH   SOLE 0 19,336 0 376
Midcap SPDR Trust Series 1 Com 78467Y107 899 2,536 SH   OTR 0 2,376 125 35
Salesforce.Com Com 79466L302 989 6,517 SH   SOLE 0 6,497 20 0
Salesforce.Com Com 79466L302 807 5,320 SH   OTR 0 5,320 0 0
Schlumberger Ltd Com 806857108 1,395 35,096 SH   SOLE 0 34,381 0 715
Schlumberger Ltd Com 806857108 441 11,085 SH   OTR 0 10,925 160 0
Charles Schwab Corp Com 808513105 149 3,705 SH   SOLE 0 3,705 0 0
Charles Schwab Corp Com 808513105 182 4,525 SH   OTR 0 4,225 0 300
Schwab Fundamental Intl Lg Co Com 808524755 223 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 5,875 110,709 SH   SOLE 0 106,378 0 4,331
Schwab US Dividend Equity ETF Com 808524797 616 11,600 SH   OTR 0 11,600 0 0
Schwab International Equity ET Com 808524805 214 6,660 SH   SOLE 0 6,660 0 0
Materials Select SPDR Fund Com 81369Y100 1,284 21,944 SH   SOLE 0 19,964 0 1,980
Materials Select SPDR Fund Com 81369Y100 529 9,041 SH   OTR 0 8,211 375 455
Health Care Select Sector SPDR Com 81369Y209 940 10,146 SH   SOLE 0 9,841 0 305
Health Care Select Sector SPDR Com 81369Y209 197 2,130 SH   OTR 0 2,130 0 0
Consumer Staples Select Sector Com 81369Y308 562 9,674 SH   SOLE 0 9,289 0 385
Consumer Staples Select Sector Com 81369Y308 74 1,277 SH   OTR 0 987 100 190
Consumer Discretionary Selt Com 81369Y407 1,455 12,207 SH   SOLE 0 10,467 0 1,740
Consumer Discretionary Selt Com 81369Y407 156 1,305 SH   OTR 0 770 400 135
Energy Select Sector SPDR Com 81369Y506 628 9,858 SH   SOLE 0 9,483 0 375
Energy Select Sector SPDR Com 81369Y506 63 993 SH   OTR 0 760 80 153
Financial Select Sector SPDR Com 81369Y605 911 32,997 SH   SOLE 0 31,497 0 1,500
Financial Select Sector SPDR Com 81369Y605 32 1,160 SH   OTR 0 960 200 0
Industrial Select Sector SPDR Com 81369Y704 1,061 13,701 SH   SOLE 0 13,651 0 50
Industrial Select Sector SPDR Com 81369Y704 108 1,400 SH   OTR 0 1,300 0 100
Technology Select Sect SPDR Com 81369Y803 1,986 25,452 SH   SOLE 0 25,090 162 200
Technology Select Sect SPDR Com 81369Y803 202 2,587 SH   OTR 0 2,387 200 0
Real Estate Select Sect SPDR Com 81369Y860 1,063 28,920 SH   SOLE 0 27,698 105 1,117
Real Estate Select Sect SPDR Com 81369Y860 1,004 27,299 SH   OTR 0 27,128 46 125
Utilities Select Sector SPDR Com 81369Y886 1,804 30,254 SH   SOLE 0 29,104 0 1,150
Utilities Select Sector SPDR Com 81369Y886 1,125 18,858 SH   OTR 0 17,871 475 512
Southern Company Com 842587107 1,062 19,210 SH   SOLE 0 19,210 0 0
Southern Company Com 842587107 778 14,069 SH   OTR 0 13,944 0 125
Starbucks Corp Com 855244109 60 711 SH   SOLE 0 711 0 0
Starbucks Corp Com 855244109 285 3,400 SH   OTR 0 3,400 0 0
State Street Corp Com 857477103 230 4,098 SH   SOLE 0 4,098 0 0
State Street Corp Com 857477103 42 750 SH   OTR 0 575 0 175
Stryker Corporation Com 863667101 378 1,840 SH   SOLE 0 1,840 0 0
Sysco Corp Com 871829107 536 7,580 SH   SOLE 0 7,580 0 0
Sysco Corp Com 871829107 514 7,274 SH   OTR 0 6,849 0 425
TJX Cos Inc Com 872540109 1,886 35,659 SH   SOLE 0 34,359 300 1,000
TJX Cos Inc Com 872540109 1,757 33,222 SH   OTR 0 32,196 340 686
Target Corp Com 87612E106 2,302 26,579 SH   SOLE 0 26,304 0 275
Target Corp Com 87612E106 1,337 15,432 SH   OTR 0 14,042 225 1,165
Textron Inc Com 883203101 849 16,000 SH   SOLE 0 16,000 0 0
3m CO Com 88579Y101 1,734 10,002 SH   SOLE 0 9,042 340 620
3m CO Com 88579Y101 292 1,685 SH   OTR 0 1,350 35 300
US Bancorp New Com 902973304 981 18,722 SH   SOLE 0 18,722 0 0
US Bancorp New Com 902973304 328 6,265 SH   OTR 0 5,579 470 216
Union Pac Corp Com 907818108 3,960 23,414 SH   SOLE 0 22,714 0 700
Union Pac Corp Com 907818108 3,309 19,565 SH   OTR 0 17,158 0 2,407
United Parcel Service Cl B Com 911312106 477 4,616 SH   SOLE 0 4,616 0 0
United Parcel Service Cl B Com 911312106 208 2,016 SH   OTR 0 2,016 0 0
United Technologies Corp Com 913017109 4,980 38,248 SH   SOLE 0 37,518 100 630
United Technologies Corp Com 913017109 3,456 26,547 SH   OTR 0 24,506 1,186 855
Unitedhealth Group Inc Com 91324P102 2,252 9,228 SH   SOLE 0 9,028 0 200
Unitedhealth Group Inc Com 91324P102 1,066 4,367 SH   OTR 0 4,237 130 0
Univest Corp of Pennsylvania Com 915271100 310 11,812 SH   OTR 0 11,812 0 0
Vaneck Vectors Agribusiness ET Com 92189F700 1,037 15,531 SH   SOLE 0 14,881 50 600
Vaneck Vectors Agribusiness ET Com 92189F700 760 11,373 SH   OTR 0 11,148 125 100
Vanguard Intermediate-Term Bon Com 921937819 346 4,000 SH   SOLE 0 4,000 0 0
Vanguard Intermediate-Term Bon Com 921937819 32 375 SH   OTR 0 375 0 0
Vanguard Total Bond Market ETF Com 921937835 330 3,976 SH   SOLE 0 3,976 0 0
Vanguard FTSE Developed Market Com 921943858 100 2,408 SH   SOLE 0 2,408 0 0
Vanguard FTSE Developed Market Com 921943858 153 3,680 SH   OTR 0 3,680 0 0
Vanguard Ftse Emerging Markets Com 922042858 822 19,338 SH   SOLE 0 19,338 0 0
Vanguard Ftse Emerging Markets Com 922042858 501 11,778 SH   OTR 0 11,228 0 550
Vanguard Inter Term Corp Bond Com 92206C870 893 9,941 SH   SOLE 0 9,941 0 0
Vanguard Inter Term Corp Bond Com 92206C870 238 2,650 SH   OTR 0 2,650 0 0
Vanguard S&P 500 ETF Com 922908363 6,373 23,678 SH   SOLE 0 23,475 0 203
Vanguard Real Estate ETF Com 922908553 1,345 15,387 SH   SOLE 0 15,387 0 0
Vanguard Real Estate ETF Com 922908553 494 5,654 SH   OTR 0 5,315 239 100
Veoneer Incorporated Com Com 92336X109 185 10,712 SH   SOLE 0 9,962 0 750
Veoneer Incorporated Com Com 92336X109 215 12,394 SH   OTR 0 12,394 0 0
Verizon Communications Com 92343V104 3,435 60,120 SH   SOLE 0 58,333 860 927
Verizon Communications Com 92343V104 2,780 48,666 SH   OTR 0 45,780 460 2,426
Visa Inc Cl A Com 92826C839 1,103 6,353 SH   SOLE 0 6,353 0 0
Visa Inc Cl A Com 92826C839 809 4,660 SH   OTR 0 4,560 100 0
Wal Mart Inc Com 931142103 1,663 15,049 SH   SOLE 0 14,649 0 400
Wal Mart Inc Com 931142103 1,314 11,894 SH   OTR 0 10,478 350 1,066
Walgreens Boots Alliance Inc Com 931427108 283 5,177 SH   SOLE 0 5,177 0 0
Walgreens Boots Alliance Inc Com 931427108 85 1,549 SH   OTR 0 745 0 804
Wells Fargo & CO Com 949746101 2,184 46,144 SH   SOLE 0 45,744 0 400
Wells Fargo & CO Com 949746101 996 21,048 SH   OTR 0 17,743 1,005 2,300
WisdomTree MidCap Dividend ETF Com 97717W505 3,662 101,154 SH   SOLE 0 98,306 0 2,848
WisdomTree MidCap Dividend ETF Com 97717W505 703 19,425 SH   OTR 0 14,295 0 5,130
WisdomTree SmallCap Dividend E Com 97717W604 1,860 68,612 SH   SOLE 0 66,740 0 1,872
WisdomTree SmallCap Dividend E Com 97717W604 347 12,795 SH   OTR 0 11,760 0 1,035
Xcel Energy Inc Com 98389B100 184 3,086 SH   SOLE 0 3,086 0 0
Xcel Energy Inc Com 98389B100 46 775 SH   OTR 0 775 0 0
Xylem Inc Com 98419M100 389 4,649 SH   SOLE 0 4,649 0 0
Xylem Inc Com 98419M100 263 3,150 SH   OTR 0 3,150 0 0
Yum! Brands Inc Com 988498101 513 4,638 SH   SOLE 0 4,638 0 0
Yum! Brands Inc Com 988498101 112 1,014 SH   OTR 0 1,014 0 0
Zimmer Biomet Holdings Inc Com 98956P102 345 2,928 SH   SOLE 0 2,598 60 270
Zimmer Biomet Holdings Inc Com 98956P102 187 1,585 SH   OTR 0 1,462 23 100
Eaton Corp PLC Com G29183103 421 5,059 SH   SOLE 0 5,059 0 0
Eaton Corp PLC Com G29183103 513 6,159 SH   OTR 0 5,084 0 1,075
Linde PLC Com G5494J103 1,636 8,148 SH   SOLE 0 8,148 0 0
Linde PLC Com G5494J103 1,134 5,649 SH   OTR 0 4,524 0 1,125
Medtronic PLC Com G5960L103 1,149 11,793 SH   SOLE 0 11,793 0 0
Medtronic PLC Com G5960L103 876 8,998 SH   OTR 0 8,927 71 0
Alcon Inc ORD Shs Com H01301128 161 2,598 SH   SOLE 0 2,598 0 0
Alcon Inc ORD Shs Com H01301128 141 2,269 SH   OTR 0 2,239 30 0