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 1,307 55,302 SH   SOLE 0 52,966 175 2,161
AT&T Inc Com 00206R102 1,063 44,990 SH   OTR 0 39,678 400 4,912
Abbott Labs Com 002824100 5,691 48,083 SH   SOLE 0 47,483 0 600
Abbott Labs Com 002824100 2,302 19,453 SH   OTR 0 17,867 576 1,010
Abbvie Inc Com 00287Y109 3,421 21,101 SH   SOLE 0 20,801 0 300
Abbvie Inc Com 00287Y109 2,867 17,687 SH   OTR 0 14,327 330 3,030
Activision Blizzard, Inc Com 00507V109 764 9,531 SH   SOLE 0 9,531 0 0
Activision Blizzard, Inc Com 00507V109 561 7,000 SH   OTR 0 7,000 0 0
Air Products & Chemicals Inc Com 009158106 1,387 5,548 SH   SOLE 0 5,548 0 0
Air Products & Chemicals Inc Com 009158106 436 1,745 SH   OTR 0 1,745 0 0
Allstate Corp Com 020002101 90 649 SH   SOLE 0 649 0 0
Allstate Corp Com 020002101 277 2,000 SH   OTR 0 2,000 0 0
Alphabet Inc Cl C Com 02079K107 5,773 2,067 SH   SOLE 0 1,977 0 90
Alphabet Inc Cl C Com 02079K107 5,374 1,924 SH   OTR 0 1,794 0 130
Alphabet Inc Cl A Com 02079K305 3,991 1,435 SH   SOLE 0 1,415 0 20
Alphabet Inc Cl A Com 02079K305 865 311 SH   OTR 0 196 0 115
Altria Group Inc Com 02209S103 668 12,784 SH   SOLE 0 12,009 0 775
Altria Group Inc Com 02209S103 1,689 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 1,940 595 SH   SOLE 0 595 0 0
Amazon.Com Inc Com 023135106 1,079 331 SH   OTR 0 261 0 70
American Express CO Com 025816109 809 4,326 SH   SOLE 0 4,326 0 0
American Express CO Com 025816109 278 1,484 SH   OTR 0 1,198 0 286
American Tower Corp REIT Com 03027X100 159 634 SH   SOLE 0 634 0 0
American Tower Corp REIT Com 03027X100 179 711 SH   OTR 0 711 0 0
American Water Works CO Inc Com 030420103 1,571 9,489 SH   SOLE 0 9,489 0 0
American Water Works CO Inc Com 030420103 1,241 7,500 SH   OTR 0 5,970 100 1,430
Amgen Inc Com 031162100 629 2,603 SH   SOLE 0 2,603 0 0
Amgen Inc Com 031162100 299 1,235 SH   OTR 0 1,235 0 0
Amplify CWP Enhanced Dividend Com 032108409 335 8,956 SH   SOLE 0 8,956 0 0
Amplify CWP Enhanced Dividend Com 032108409 187 5,000 SH   OTR 0 5,000 0 0
APA Corporation Com 03743Q108 404 9,778 SH   SOLE 0 9,778 0 0
APA Corporation Com 03743Q108 76 1,835 SH   OTR 0 1,835 0 0
Apple Inc Com 037833100 24,545 140,572 SH   SOLE 0 127,429 360 12,783
Apple Inc Com 037833100 14,989 85,840 SH   OTR 0 74,400 2,420 9,020
Arrow Finl Corp Com 042744102 253 7,801 SH   SOLE 0 1,847 0 5,954
Arrow Finl Corp Com 042744102 167 5,150 SH   OTR 0 5,150 0 0
Autoliv Inc Com 052800109 721 9,430 SH   SOLE 0 8,386 0 1,044
Autoliv Inc Com 052800109 821 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,584 20,144 SH   SOLE 0 19,864 0 280
Automatic Data Processing Inc Com 053015103 1,319 5,796 SH   OTR 0 5,181 135 480
BP PLC Spons ADR Com 055622104 105 3,564 SH   SOLE 0 3,564 0 0
BP PLC Spons ADR Com 055622104 192 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 885 21,466 SH   SOLE 0 20,818 0 648
Bank of America Corp Com 060505104 271 6,570 SH   OTR 0 6,570 0 0
Bank of New York Mellon Corp Com 064058100 522 10,523 SH   SOLE 0 10,523 0 0
Bank of New York Mellon Corp Com 064058100 42 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 548 7,070 SH   SOLE 0 7,070 0 0
Baxter Intl Inc Com 071813109 210 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 334 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 281 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 3,333 9,443 SH   SOLE 0 9,213 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,841 8,051 SH   OTR 0 8,013 38 0
Best Buy Company Inc Com 086516101 321 3,527 SH   SOLE 0 3,527 0 0
Best Buy Company Inc Com 086516101 36 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 229 2,965 SH   SOLE 0 2,765 0 200
BHP Group Ltd Spons ADR Com 088606108 78 1,015 SH   OTR 0 965 0 50
Blackrock Inc Cl A Com 09247X101 34 44 SH   SOLE 0 44 0 0
Blackrock Inc Cl A Com 09247X101 367 480 SH   OTR 0 80 0 400
Boeing CO Com 097023105 1,446 7,551 SH   SOLE 0 7,351 0 200
Boeing CO Com 097023105 1,734 9,057 SH   OTR 0 8,727 180 150
Bristol Myers Squibb CO Com 110122108 4,062 55,617 SH   SOLE 0 52,802 695 2,120
Bristol Myers Squibb CO Com 110122108 2,520 34,500 SH   OTR 0 28,460 350 5,690
Cigna Corp Com 125523100 216 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 17 73 SH   OTR 0 73 0 0
CME Group Inc. Com 12572Q105 167 700 SH   SOLE 0 700 0 0
CME Group Inc. Com 12572Q105 48 203 SH   OTR 0 163 40 0
Csx Corp Com 126408103 314 8,388 SH   SOLE 0 8,388 0 0
Csx Corp Com 126408103 243 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,448 34,067 SH   SOLE 0 33,247 0 820
CVS Health Corp Com 126650100 2,082 20,575 SH   OTR 0 17,104 390 3,081
Carrier Global Corporation Com 14448C104 1,004 21,889 SH   SOLE 0 21,095 100 694
Carrier Global Corporation Com 14448C104 748 16,312 SH   OTR 0 13,406 1,106 1,800
Caterpillar Inc Com 149123101 2,796 12,549 SH   SOLE 0 11,661 0 888
Caterpillar Inc Com 149123101 2,215 9,942 SH   OTR 0 9,605 37 300
Chevron Corporation Com 166764100 6,621 40,662 SH   SOLE 0 38,447 350 1,865
Chevron Corporation Com 166764100 4,848 29,774 SH   OTR 0 28,119 375 1,280
Cisco Systems Inc Com 17275R102 3,955 70,934 SH   SOLE 0 67,041 0 3,893
Cisco Systems Inc Com 17275R102 2,767 49,629 SH   OTR 0 47,884 715 1,030
Citigroup Inc Com 172967424 575 10,761 SH   SOLE 0 10,761 0 0
Citigroup Inc Com 172967424 286 5,350 SH   OTR 0 5,200 150 0
Clorox Company Com 189054109 725 5,218 SH   SOLE 0 5,218 0 0
Clorox Company Com 189054109 363 2,610 SH   OTR 0 2,125 0 485
Coca Cola CO Com 191216100 2,679 43,212 SH   SOLE 0 37,318 910 4,984
Coca Cola CO Com 191216100 1,140 18,385 SH   OTR 0 13,255 150 4,980
Colgate Palmolive CO Com 194162103 985 12,996 SH   SOLE 0 11,136 410 1,450
Colgate Palmolive CO Com 194162103 563 7,430 SH   OTR 0 3,980 0 3,450
ComCast Corp-Cl A Com 20030N101 991 21,169 SH   SOLE 0 18,895 0 2,274
ComCast Corp-Cl A Com 20030N101 514 10,979 SH   OTR 0 8,746 810 1,423
Conocophillips Com 20825C104 816 8,161 SH   SOLE 0 8,061 100 0
Conocophillips Com 20825C104 162 1,622 SH   OTR 0 1,322 150 150
Corning Inc Com 219350105 542 14,676 SH   SOLE 0 14,676 0 0
Corning Inc Com 219350105 378 10,250 SH   OTR 0 7,500 900 1,850
Corteva Inc Com Com 22052L104 106 1,851 SH   SOLE 0 1,760 0 91
Corteva Inc Com Com 22052L104 448 7,795 SH   OTR 0 7,567 0 228
Costco Wholesale Corp Com 22160K105 953 1,655 SH   SOLE 0 1,655 0 0
Costco Wholesale Corp Com 22160K105 701 1,218 SH   OTR 0 728 0 490
DTE Energy Co Com 233331107 398 3,009 SH   SOLE 0 3,009 0 0
Danaher Corp Com 235851102 5,030 17,149 SH   SOLE 0 15,189 0 1,960
Danaher Corp Com 235851102 3,155 10,755 SH   OTR 0 9,563 135 1,057
Deere & CO Com 244199105 2,648 6,374 SH   SOLE 0 5,686 25 663
Deere & CO Com 244199105 4,494 10,818 SH   OTR 0 10,748 70 0
Dicks Sporting Goods Inc Com 253393102 378 3,776 SH   SOLE 0 3,776 0 0
Dicks Sporting Goods Inc Com 253393102 45 453 SH   OTR 0 453 0 0
Digital Realty Trust Inc REIT Com 253868103 252 1,777 SH   SOLE 0 1,777 0 0
Disney Walt CO New Com 254687106 4,439 32,364 SH   SOLE 0 31,181 0 1,183
Disney Walt CO New Com 254687106 2,938 21,419 SH   OTR 0 20,094 600 725
Dominion Resources Inc Com 25746U109 1,297 15,264 SH   SOLE 0 14,954 0 310
Dominion Resources Inc Com 25746U109 723 8,505 SH   OTR 0 6,000 80 2,425
Dover Corp Com 260003108 172 1,096 SH   SOLE 0 696 0 400
Dover Corp Com 260003108 31 200 SH   OTR 0 200 0 0
Dow Inc Com Com 260557103 967 15,170 SH   SOLE 0 15,079 0 91
Dow Inc Com Com 260557103 1,261 19,783 SH   OTR 0 18,009 16 1,758
Duke Energy Corp Com 26441C204 384 3,435 SH   SOLE 0 3,150 285 0
Duke Energy Corp Com 26441C204 154 1,375 SH   OTR 0 1,275 100 0
Dupont De Nemours Inc Com 26614N102 1,089 14,800 SH   SOLE 0 14,709 0 91
Dupont De Nemours Inc Com 26614N102 1,014 13,778 SH   OTR 0 12,492 316 970
Ecolab Inc Com 278865100 1,159 6,563 SH   SOLE 0 6,563 0 0
Ecolab Inc Com 278865100 517 2,930 SH   OTR 0 2,440 40 450
Emerson Elec CO Com 291011104 1,072 10,929 SH   SOLE 0 10,929 0 0
Emerson Elec CO Com 291011104 332 3,390 SH   OTR 0 3,190 200 0
Exelon Corp Com 30161N101 176 3,691 SH   SOLE 0 3,691 0 0
Exelon Corp Com 30161N101 126 2,638 SH   OTR 0 2,288 0 350
Exxonmobil Corp Com 30231G102 6,646 80,473 SH   SOLE 0 76,537 790 3,146
Exxonmobil Corp Com 30231G102 5,619 68,030 SH   OTR 0 64,425 660 2,945
Meta Platforms Inc Com 30303M102 1,255 5,646 SH   SOLE 0 5,646 0 0
Meta Platforms Inc Com 30303M102 922 4,145 SH   OTR 0 4,145 0 0
Fedex Corporation Com 31428X106 189 816 SH   SOLE 0 816 0 0
Fedex Corporation Com 31428X106 52 225 SH   OTR 0 225 0 0
Fiserv Inc Com 337738108 461 4,544 SH   SOLE 0 4,544 0 0
Fiserv Inc Com 337738108 89 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 50,952 1,088,029 SH   SOLE 0 1,084,243 0 3,786
FlexShares Mstar Glbl Upstrm N Com 33939L407 4,350 92,879 SH   OTR 0 89,927 340 2,612
FlexShares Global Quality Real Com 33939L787 816 11,610 SH   SOLE 0 11,610 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 7,564 131,734 SH   SOLE 0 131,734 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 930 16,205 SH   OTR 0 15,732 0 473
FlexShares International Quali Com 33939L837 736 30,840 SH   SOLE 0 30,840 0 0
FlexShares International Quali Com 33939L837 72 3,020 SH   OTR 0 3,020 0 0
Fortive Corp Com 34959J108 276 4,528 SH   SOLE 0 4,228 0 300
Fortive Corp Com 34959J108 116 1,899 SH   OTR 0 1,055 50 794
Freeport-McMoran Inc Com 35671D857 165 3,325 SH   SOLE 0 3,325 0 0
Freeport-McMoran Inc Com 35671D857 126 2,525 SH   OTR 0 800 0 1,725
General Dynamics Corp Com 369550108 1,220 5,060 SH   SOLE 0 4,910 0 150
General Dynamics Corp Com 369550108 209 865 SH   OTR 0 765 0 100
General Mls Inc Com 370334104 745 10,999 SH   SOLE 0 10,501 0 498
General Mls Inc Com 370334104 485 7,155 SH   OTR 0 6,360 100 695
Gilead Sciences Inc Com 375558103 312 5,245 SH   SOLE 0 5,245 0 0
Gilead Sciences Inc Com 375558103 263 4,423 SH   OTR 0 1,863 60 2,500
Glaxo Smithkline Spons ADR Com 37733W105 289 6,631 SH   SOLE 0 6,481 0 150
Glaxo Smithkline Spons ADR Com 37733W105 87 1,987 SH   OTR 0 1,182 55 750
Global X US Preferred ETF Com 37954Y657 282 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104 1,195 3,619 SH   SOLE 0 3,599 20 0
Goldman Sachs Group Inc Com 38141G104 1,332 4,035 SH   OTR 0 4,020 15 0
Grainger W W Inc Com 384802104 1,714 3,323 SH   SOLE 0 3,323 0 0
Grainger W W Inc Com 384802104 944 1,830 SH   OTR 0 950 100 780
Home Depot Inc Com 437076102 983 3,284 SH   SOLE 0 3,284 0 0
Home Depot Inc Com 437076102 1,566 5,231 SH   OTR 0 4,131 150 950
Honeywell International Inc Com 438516106 3,368 17,307 SH   SOLE 0 16,392 0 915
Honeywell International Inc Com 438516106 1,503 7,724 SH   OTR 0 5,495 300 1,929
Illinois Tool Wks Inc Com 452308109 359 1,716 SH   SOLE 0 1,716 0 0
Illinois Tool Wks Inc Com 452308109 79 375 SH   OTR 0 375 0 0
Intel Corp Com 458140100 4,655 93,935 SH   SOLE 0 91,410 1,025 1,500
Intel Corp Com 458140100 1,600 32,276 SH   OTR 0 29,386 1,540 1,350
Intercontinental Exchange Inc Com 45866F104 820 6,208 SH   SOLE 0 6,208 0 0
Intercontinental Exchange Inc Com 45866F104 169 1,278 SH   OTR 0 1,113 0 165
Intl. Business Machines Corp Com 459200101 2,277 17,509 SH   SOLE 0 15,426 430 1,653
Intl. Business Machines Corp Com 459200101 2,186 16,814 SH   OTR 0 15,231 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 234 3,493 SH   SOLE 0 3,493 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 390 3,128 SH   SOLE 0 3,128 0 0
Ishares Core S&P 500 ETF Com 464287200 268 590 SH   SOLE 0 590 0 0
Ishares Core Total U.S. Aggreg Com 464287226 338 3,155 SH   SOLE 0 3,155 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,495 77,400 SH   SOLE 0 76,384 525 491
Ishares Msci Emerging Mkt ETF Com 464287234 1,010 22,360 SH   OTR 0 20,949 561 850
Ishares Msci Eafe ETF Com 464287465 3,544 48,151 SH   SOLE 0 47,161 0 990
Ishares Msci Eafe ETF Com 464287465 1,203 16,339 SH   OTR 0 15,649 200 490
Ishares Core S&P Mid-Cap ETF Com 464287507 1,769 6,593 SH   SOLE 0 6,593 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 513 1,911 SH   OTR 0 1,766 0 145
Ishares Nasdaq Biotech ETF Com 464287556 2,959 22,708 SH   SOLE 0 22,120 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,857 14,252 SH   OTR 0 12,115 540 1,597
Ishares Tr Rus 1000 Val ETF Com 464287598 228 1,375 SH   SOLE 0 1,375 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 295 3,816 SH   SOLE 0 3,816 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 168 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 305 1,097 SH   SOLE 0 1,097 0 0
IShares Russell 1000 ETF Com 464287622 234 935 SH   SOLE 0 935 0 0
Ishares Russell 2000 Value ETF Com 464287630 315 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 Value ETF Com 464287630 30 185 SH   OTR 0 0 185 0
Ishares Russell 2000 ETF Com 464287655 5,791 28,211 SH   SOLE 0 26,929 0 1,282
Ishares Russell 2000 ETF Com 464287655 800 3,896 SH   OTR 0 3,761 100 35
Ishares DJ US Telcom Sector ET Com 464287713 894 29,909 SH   SOLE 0 29,909 0 0
Ishares DJ US Telcom Sector ET Com 464287713 590 19,740 SH   OTR 0 19,540 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 557 5,159 SH   SOLE 0 5,159 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 4,174 62,911 SH   SOLE 0 62,901 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 434 6,546 SH   OTR 0 6,546 0 0
Ishares New York Muni Bond ETF Com 464288323 953 17,467 SH   SOLE 0 17,467 0 0
Ishares IBoxx High Yield Corpo Com 464288513 2,402 29,186 SH   SOLE 0 29,186 0 0
Ishares IBoxx High Yield Corpo Com 464288513 4 50 SH   OTR 0 50 0 0
ISHARES TR SHORT-TERM CORP BD Com 464288646 350 6,763 SH   SOLE 0 6,763 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,447 67,198 SH   SOLE 0 67,198 0 0
Ishares S&P Pref Stk ETF Com 464288687 375 10,304 SH   OTR 0 6,324 0 3,980
Ishares MSCI EAFE Growth ETF Com 464288885 18,714 194,393 SH   SOLE 0 192,740 0 1,653
Ishares MSCI EAFE Growth ETF Com 464288885 1,501 15,596 SH   OTR 0 15,516 0 80
IShares Russell Top 200 Growth Com 464289438 275 1,730 SH   SOLE 0 1,730 0 0
iShares Core High Dividend ETF Com 46429B663 920 8,606 SH   SOLE 0 8,606 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 1,047 9,975 SH   SOLE 0 9,975 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 814 7,761 SH   OTR 0 7,761 0 0
Ishares Core Msci Eafe ETF Com 46432F842 10,228 147,140 SH   SOLE 0 147,085 0 55
Ishares Core Msci Eafe ETF Com 46432F842 903 12,990 SH   OTR 0 12,990 0 0
Ishares Core Emerging Markets Com 46434G103 5,567 100,221 SH   SOLE 0 100,221 0 0
Ishares Core Emerging Markets Com 46434G103 1,062 19,112 SH   OTR 0 17,512 0 1,600
IShares Core Intnl Agg Bond ET Com 46435G672 457 8,762 SH   SOLE 0 8,762 0 0
JP Morgan Chase & CO Com 46625H100 7,948 58,307 SH   SOLE 0 56,755 112 1,440
JP Morgan Chase & CO Com 46625H100 5,993 43,963 SH   OTR 0 37,074 585 6,304
JPMorgan Municipal ETF Com 46641Q647 173 3,365 SH   SOLE 0 3,365 0 0
JPMorgan Municipal ETF Com 46641Q647 131 2,545 SH   OTR 0 2,545 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 68 1,345 SH   SOLE 0 1,345 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 151 3,000 SH   OTR 0 0 0 3,000
Jacobs Engineering Group Inc Com 469814107 410 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 10,178 57,431 SH   SOLE 0 51,836 150 5,445
Johnson & Johnson Com 478160104 5,245 29,592 SH   OTR 0 25,854 275 3,463
Kimberly Clark Corp Com 494368103 473 3,838 SH   SOLE 0 3,838 0 0
Kimberly Clark Corp Com 494368103 49 400 SH   OTR 0 400 0 0
Kraft Heinz CO Com 500754106 194 4,915 SH   SOLE 0 4,915 0 0
Kraft Heinz CO Com 500754106 279 7,081 SH   OTR 0 7,081 0 0
Lilly Eli & CO Com 532457108 497 1,734 SH   SOLE 0 1,206 0 528
Lilly Eli & CO Com 532457108 1,814 6,335 SH   OTR 0 5,285 25 1,025
Lockheed Martin Corp Com 539830109 3,369 7,632 SH   SOLE 0 7,117 0 515
Lockheed Martin Corp Com 539830109 1,017 2,305 SH   OTR 0 2,305 0 0
Lowes Cos Inc Com 548661107 8,209 40,602 SH   SOLE 0 40,072 25 505
Lowes Cos Inc Com 548661107 4,719 23,341 SH   OTR 0 22,282 350 709
Marsh & McLennan Companies Inc Com 571748102 217 1,272 SH   SOLE 0 1,272 0 0
Marsh & McLennan Companies Inc Com 571748102 89 525 SH   OTR 0 525 0 0
Marriott International Inc Com 571903202 360 2,047 SH   SOLE 0 2,047 0 0
Mastercard Inc Cl A Com 57636Q104 210 588 SH   SOLE 0 588 0 0
Mastercard Inc Cl A Com 57636Q104 172 480 SH   OTR 0 480 0 0
McDonalds Corp Com 580135101 7,476 30,231 SH   SOLE 0 30,001 75 155
McDonalds Corp Com 580135101 4,312 17,437 SH   OTR 0 16,624 238 575
Merck & CO Inc Com 58933Y105 3,295 40,161 SH   SOLE 0 38,711 650 800
Merck & CO Inc Com 58933Y105 1,723 20,997 SH   OTR 0 19,347 300 1,350
Metlife Inc Com 59156R108 436 6,197 SH   SOLE 0 6,197 0 0
Metlife Inc Com 59156R108 113 1,611 SH   OTR 0 1,200 111 300
Microsoft Corp Com 594918104 19,511 63,285 SH   SOLE 0 60,017 180 3,088
Microsoft Corp Com 594918104 10,835 35,142 SH   OTR 0 32,781 710 1,651
Microchip Technology Inc Com 595017104 2,474 32,919 SH   SOLE 0 32,919 0 0
Microchip Technology Inc Com 595017104 794 10,570 SH   OTR 0 8,820 300 1,450
Mondelez International Inc Com 609207105 544 8,659 SH   SOLE 0 8,245 0 414
Mondelez International Inc Com 609207105 1,169 18,617 SH   OTR 0 18,617 0 0
Morgan Stanley Com 617446448 234 2,682 SH   SOLE 0 2,682 0 0
Morgan Stanley Com 617446448 22 250 SH   OTR 0 250 0 0
NBT Bancorp Inc Com 628778102 7,025 194,427 SH   SOLE 0 142,201 2,500 49,726
NBT Bancorp Inc Com 628778102 655 18,140 SH   OTR 0 14,874 0 3,266
Netflix Inc Com 64110L106 257 687 SH   SOLE 0 687 0 0
Nextera Energy Inc Com 65339F101 2,526 29,817 SH   SOLE 0 28,017 0 1,800
Nextera Energy Inc Com 65339F101 2,050 24,196 SH   OTR 0 13,553 120 10,523
Nike Inc-Class B Com 654106103 2,304 17,126 SH   SOLE 0 17,126 0 0
Nike Inc-Class B Com 654106103 875 6,505 SH   OTR 0 6,505 0 0
Norfolk Southern Corp Com 655844108 1,327 4,653 SH   SOLE 0 4,653 0 0
Norfolk Southern Corp Com 655844108 1,878 6,586 SH   OTR 0 4,471 70 2,045
Novartis Ag Spons ADR Com 66987V109 1,146 13,060 SH   SOLE 0 12,910 0 150
Novartis Ag Spons ADR Com 66987V109 793 9,038 SH   OTR 0 8,938 100 0
Nucor Corp Com 670346105 1,210 8,137 SH   SOLE 0 8,137 0 0
Nucor Corp Com 670346105 539 3,625 SH   OTR 0 2,875 0 750
Nvidia Corp Com 67066G104 1,095 4,012 SH   SOLE 0 4,012 0 0
Nvidia Corp Com 67066G104 120 440 SH   OTR 0 440 0 0
O'Reilly Automotive Inc Com 67103H107 308 450 SH   SOLE 0 450 0 0
Oracle Corporation Com 68389X105 2,839 34,317 SH   SOLE 0 32,817 0 1,500
Oracle Corporation Com 68389X105 881 10,655 SH   OTR 0 7,885 70 2,700
Otis Worldwide Corp Com 68902V107 700 9,101 SH   SOLE 0 8,704 50 347
Otis Worldwide Corp Com 68902V107 545 7,083 SH   OTR 0 6,430 553 100
Palo Alto Networks Com 697435105 465 747 SH   SOLE 0 747 0 0
Palo Alto Networks Com 697435105 302 485 SH   OTR 0 485 0 0
Paypal Holdings Inc Com 70450Y103 162 1,405 SH   SOLE 0 1,405 0 0
Paypal Holdings Inc Com 70450Y103 334 2,889 SH   OTR 0 1,039 0 1,850
Pepsico Inc Com 713448108 6,998 41,810 SH   SOLE 0 41,137 100 573
Pepsico Inc Com 713448108 3,195 19,091 SH   OTR 0 17,936 345 810
Pfizer Inc Com 717081103 5,588 107,935 SH   SOLE 0 103,414 0 4,521
Pfizer Inc Com 717081103 2,877 55,571 SH   OTR 0 51,322 1,385 2,864
Philip Morris International Com 718172109 789 8,399 SH   SOLE 0 7,724 0 675
Philip Morris International Com 718172109 2,290 24,377 SH   OTR 0 24,377 0 0
T Rowe Price Group Inc Com 74144T108 3,466 22,924 SH   SOLE 0 22,874 50 0
T Rowe Price Group Inc Com 74144T108 2,112 13,971 SH   OTR 0 13,491 295 185
Procter & Gamble CO Com 742718109 9,348 61,181 SH   SOLE 0 56,233 425 4,523
Procter & Gamble CO Com 742718109 5,249 34,353 SH   OTR 0 29,973 380 4,000
Prudential Finl Inc Com 744320102 1,557 13,172 SH   SOLE 0 13,122 50 0
Prudential Finl Inc Com 744320102 1,515 12,817 SH   OTR 0 12,467 150 200
Public Service Enterprise Grou Com 744573106 107 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106 179 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,695 24,179 SH   SOLE 0 23,754 0 425
Qualcomm Inc Com 747525103 2,011 13,159 SH   OTR 0 12,434 225 500
Quanta Services Incorporated Com 74762E102 888 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,710 37,451 SH   SOLE 0 36,481 100 870
Raytheon Technologies Corp Com 75513E101 2,770 27,960 SH   OTR 0 23,969 1,186 2,805
Rockwell Automation Inc Com 773903109 148 530 SH   SOLE 0 530 0 0
Rockwell Automation Inc Com 773903109 70 250 SH   OTR 0 250 0 0
S&P Global Inc Com 78409V104 656 1,600 SH   OTR 0 0 0 1,600
SPDR S&P 500 ETF Trust Com 78462F103 5,372 11,894 SH   SOLE 0 11,480 0 414
SPDR S&P 500 ETF Trust Com 78462F103 784 1,735 SH   OTR 0 1,415 160 160
SPDR Gold Trust Com 78463V107 320 1,774 SH   SOLE 0 1,774 0 0
SPDR Gold Trust Com 78463V107 9 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 305 7,903 SH   SOLE 0 7,903 0 0
SPDR Portfolio Developed Wld e Com 78463X889 3,550 103,556 SH   SOLE 0 103,556 0 0
SPDR Portfolio Developed Wld e Com 78463X889 1,003 29,252 SH   OTR 0 29,252 0 0
SPDR Preferred Stock ETF Com 78464A292 266 6,820 SH   SOLE 0 6,820 0 0
SPDR Portfolio Intermediate Te Com 78464A375 670 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 2,275 33,026 SH   SOLE 0 32,526 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,476 21,422 SH   OTR 0 21,222 100 100
SPDR S&P Dividend ETF Com 78464A763 10,569 82,503 SH   SOLE 0 82,503 0 0
SPDR S&P Dividend ETF Com 78464A763 1,006 7,850 SH   OTR 0 7,450 0 400
SPDR S&P Bank ETF Com 78464A797 160 3,062 SH   SOLE 0 3,062 0 0
SPDR S&P Bank ETF Com 78464A797 43 830 SH   OTR 0 730 0 100
SPDR Dow Jones Industrial Aver Com 78467X109 1,189 3,427 SH   SOLE 0 3,427 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 229 660 SH   OTR 0 560 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 7,539 15,372 SH   SOLE 0 14,546 0 826
Midcap SPDR Trust Series 1 Com 78467Y107 1,049 2,138 SH   OTR 0 2,036 50 52
Salesforce Inc Com 79466L302 1,848 8,706 SH   SOLE 0 8,686 20 0
Salesforce Inc Com 79466L302 1,364 6,423 SH   OTR 0 6,423 0 0
Schlumberger Ltd Com 806857108 1,012 24,503 SH   SOLE 0 23,688 0 815
Schlumberger Ltd Com 806857108 664 16,068 SH   OTR 0 15,778 290 0
Charles Schwab Corp Com 808513105 238 2,826 SH   SOLE 0 2,826 0 0
Charles Schwab Corp Com 808513105 301 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 3,024 63,856 SH   SOLE 0 63,856 0 0
Schwab US Small Cap ETF Com 808524607 92 1,946 SH   OTR 0 1,946 0 0
Schwab Fundamental Intl Lg Co Com 808524755 258 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 8,328 105,568 SH   SOLE 0 103,695 0 1,873
Schwab US Dividend Equity ETF Com 808524797 1,362 17,259 SH   OTR 0 17,259 0 0
Schwab International Equity ET Com 808524805 2,739 74,595 SH   SOLE 0 74,595 0 0
Schwab International Equity ET Com 808524805 498 13,564 SH   OTR 0 12,899 0 665
Schwab US Aggregate Bd ETF Com 808524839 1,017 20,106 SH   SOLE 0 20,106 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,597 31,587 SH   OTR 0 30,922 0 665
Schwab US TIPs ETF Com 808524870 131 2,150 SH   SOLE 0 2,150 0 0
Schwab US TIPs ETF Com 808524870 76 1,258 SH   OTR 0 1,258 0 0
Materials Select SPDR Fund Com 81369Y100 1,770 20,074 SH   SOLE 0 18,076 0 1,998
Materials Select SPDR Fund Com 81369Y100 874 9,911 SH   OTR 0 9,056 410 445
Health Care Select Sector SPDR Com 81369Y209 1,094 7,988 SH   SOLE 0 7,988 0 0
Health Care Select Sector SPDR Com 81369Y209 21 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 619 8,160 SH   SOLE 0 7,600 0 560
Consumer Staples Select Sector Com 81369Y308 47 615 SH   OTR 0 130 305 180
Consumer Discretionary Selt Com 81369Y407 1,624 8,780 SH   SOLE 0 6,950 0 1,830
Consumer Discretionary Selt Com 81369Y407 228 1,235 SH   OTR 0 770 355 110
Energy Select Sector SPDR Com 81369Y506 663 8,675 SH   SOLE 0 8,442 0 233
Energy Select Sector SPDR Com 81369Y506 137 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 1,104 28,811 SH   SOLE 0 26,122 0 2,689
Financial Select Sector SPDR Com 81369Y605 92 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 1,115 10,829 SH   SOLE 0 10,829 0 0
Industrial Select Sector SPDR Com 81369Y704 69 670 SH   OTR 0 580 0 90
Technology Select Sect SPDR Com 81369Y803 2,494 15,695 SH   SOLE 0 15,434 162 99
Technology Select Sect SPDR Com 81369Y803 257 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 1,098 22,717 SH   SOLE 0 20,599 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,695 35,083 SH   OTR 0 34,912 46 125
Utilities Select Sector SPDR Com 81369Y886 2,281 30,631 SH   SOLE 0 26,468 0 4,163
Utilities Select Sector SPDR Com 81369Y886 1,215 16,314 SH   OTR 0 15,224 620 470
Simon Ppty Group Inc Com 828806109 13 100 SH   SOLE 0 100 0 0
Simon Ppty Group Inc Com 828806109 237 1,800 SH   OTR 0 1,800 0 0
Skyworks Solutions Inc Com 83088M102 240 1,800 SH   OTR 0 0 0 1,800
Southern Company Com 842587107 1,210 16,688 SH   SOLE 0 16,688 0 0
Southern Company Com 842587107 810 11,165 SH   OTR 0 11,040 0 125
Starbucks Corp Com 855244109 111 1,216 SH   SOLE 0 1,216 0 0
Starbucks Corp Com 855244109 469 5,160 SH   OTR 0 5,160 0 0
State Street Corp Com 857477103 236 2,712 SH   SOLE 0 2,712 0 0
State Street Corp Com 857477103 50 575 SH   OTR 0 575 0 0
Stryker Corporation Com 863667101 265 990 SH   SOLE 0 990 0 0
Sysco Corp Com 871829107 455 5,570 SH   SOLE 0 5,570 0 0
Sysco Corp Com 871829107 475 5,814 SH   OTR 0 5,389 0 425
TJX Cos Inc Com 872540109 2,197 36,267 SH   SOLE 0 34,667 300 1,300
TJX Cos Inc Com 872540109 2,275 37,549 SH   OTR 0 32,890 455 4,204
Target Corp Com 87612E106 3,464 16,323 SH   SOLE 0 16,048 0 275
Target Corp Com 87612E106 2,926 13,786 SH   OTR 0 10,971 165 2,650
Texas Instruments Inc Com 882508104 148 807 SH   SOLE 0 807 0 0
Texas Instruments Inc Com 882508104 54 292 SH   OTR 0 160 0 132
Thermo Fisher Scientific Inc Com 883556102 15 26 SH   SOLE 0 26 0 0
Thermo Fisher Scientific Inc Com 883556102 679 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 1,739 11,682 SH   SOLE 0 10,732 330 620
3m CO Com 88579Y101 389 2,610 SH   OTR 0 1,975 265 370
Truist Financial Corporation Com 89832Q109 374 6,599 SH   SOLE 0 6,599 0 0
Truist Financial Corporation Com 89832Q109 196 3,448 SH   OTR 0 3,448 0 0
US Bancorp New Com 902973304 910 17,129 SH   SOLE 0 17,129 0 0
US Bancorp New Com 902973304 425 8,000 SH   OTR 0 4,729 555 2,716
Union Pac Corp Com 907818108 5,047 18,474 SH   SOLE 0 17,566 0 908
Union Pac Corp Com 907818108 4,594 16,815 SH   OTR 0 15,185 50 1,580
United Parcel Service Cl B Com 911312106 834 3,890 SH   SOLE 0 3,890 0 0
United Parcel Service Cl B Com 911312106 418 1,949 SH   OTR 0 1,914 35 0
Unitedhealth Group Inc Com 91324P102 3,703 7,261 SH   SOLE 0 7,061 0 200
Unitedhealth Group Inc Com 91324P102 2,655 5,207 SH   OTR 0 4,192 120 895
Vaneck ETF Trust Agribusiness Com 92189F700 1,255 12,005 SH   SOLE 0 11,205 50 750
Vaneck ETF Trust Agribusiness Com 92189F700 1,158 11,073 SH   OTR 0 10,848 125 100
Vanguard Dividend Appreciation Com 921908844 134 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844 162 1,000 SH   OTR 0 1,000 0 0
Vanguard Total Intl Stock Et Com 921909768 55 925 SH   SOLE 0 925 0 0
Vanguard Total Intl Stock Et Com 921909768 308 5,150 SH   OTR 0 5,150 0 0
Vanguard Intermediate-Term Bon Com 921937819 452 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 121 1,475 SH   OTR 0 1,475 0 0
Vanguard FTSE Developed Market Com 921943858 132 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 165 3,425 SH   OTR 0 3,425 0 0
Vanguard High Dividend Yield E Com 921946406 286 2,552 SH   SOLE 0 2,552 0 0
Vanguard High Dividend Yield E Com 921946406 70 620 SH   OTR 0 620 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,720 37,281 SH   SOLE 0 37,281 0 0
Vanguard Ftse Emerging Markets Com 922042858 431 9,340 SH   OTR 0 8,840 0 500
Vanguard Inter Term Corp Bond Com 92206C870 1,042 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,387 16,123 SH   OTR 0 16,123 0 0
Vanguard S&P 500 ETF Com 922908363 10,612 25,560 SH   SOLE 0 25,373 0 187
Vanguard Mid-Cap Value Index F Com 922908512 461 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 1,164 10,739 SH   SOLE 0 10,739 0 0
Vanguard Real Estate ETF Com 922908553 573 5,286 SH   OTR 0 4,830 356 100
Vanguard Index Fund Mid-Cap Com 922908629 171 719 SH   SOLE 0 719 0 0
Vanguard Index Fund Mid-Cap Com 922908629 92 385 SH   OTR 0 385 0 0
Veoneer Incorporated Com Com 92336X109 352 9,521 SH   SOLE 0 9,521 0 0
Veoneer Incorporated Com Com 92336X109 449 12,139 SH   OTR 0 12,139 0 0
Verizon Communications Com 92343V104 2,887 56,684 SH   SOLE 0 52,449 830 3,405
Verizon Communications Com 92343V104 1,956 38,405 SH   OTR 0 32,479 280 5,646
Visa Inc Cl A Com 92826C839 1,896 8,548 SH   SOLE 0 8,548 0 0
Visa Inc Cl A Com 92826C839 1,869 8,427 SH   OTR 0 7,227 100 1,100
Wal Mart Inc Com 931142103 2,308 15,499 SH   SOLE 0 15,099 0 400
Wal Mart Inc Com 931142103 1,992 13,374 SH   OTR 0 11,758 350 1,266
Walgreens Boots Alliance Inc Com 931427108 250 5,592 SH   SOLE 0 5,592 0 0
Walgreens Boots Alliance Inc Com 931427108 86 1,920 SH   OTR 0 1,320 0 600
Waste Management Inc Com 94106L109 22 140 SH   SOLE 0 140 0 0
Waste Management Inc Com 94106L109 235 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,434 29,589 SH   SOLE 0 29,189 0 400
Wells Fargo & CO Com 949746101 572 11,810 SH   OTR 0 8,970 655 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 2,192 49,349 SH   SOLE 0 48,593 0 756
WisdomTree MidCap Dividend ETF Com 97717W505 274 6,179 SH   OTR 0 3,169 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 575 18,053 SH   SOLE 0 17,928 0 125
WisdomTree SmallCap Dividend E Com 97717W604 28 891 SH   OTR 0 891 0 0
Xylem Inc Com 98419M100 287 3,364 SH   SOLE 0 3,364 0 0
Xylem Inc Com 98419M100 175 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 342 2,889 SH   SOLE 0 2,889 0 0
Yum! Brands Inc Com 988498101 108 914 SH   OTR 0 914 0 0
Zimmer Biomet Holdings Inc Com 98956P102 437 3,417 SH   SOLE 0 3,087 60 270
Zimmer Biomet Holdings Inc Com 98956P102 373 2,913 SH   OTR 0 2,408 100 405
Deutsche Bank Ag ADR Com D18190898 127 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 92 274 SH   SOLE 0 274 0 0
Accenture PLC Cl A Com G1151C101 406 1,205 SH   OTR 0 0 30 1,175
Eaton Corp PLC Com G29183103 754 4,966 SH   SOLE 0 4,966 0 0
Eaton Corp PLC Com G29183103 769 5,069 SH   OTR 0 3,994 0 1,075
Linde PLC Com G5494J103 1,894 5,930 SH   SOLE 0 5,930 0 0
Linde PLC Com G5494J103 1,086 3,399 SH   OTR 0 2,474 0 925
Medtronic PLC Com G5960L103 1,168 10,526 SH   SOLE 0 10,526 0 0
Medtronic PLC Com G5960L103 1,017 9,162 SH   OTR 0 8,591 71 500