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 1,159 55,317 SH   SOLE 0 52,721 435 2,161
AT&T Inc Com 00206R102 1,009 48,135 SH   OTR 0 42,823 400 4,912
Abbott Labs Com 002824100 5,272 48,525 SH   SOLE 0 47,925 0 600
Abbott Labs Com 002824100 2,099 19,318 SH   OTR 0 17,732 576 1,010
Abbvie Inc Com 00287Y109 3,256 21,258 SH   SOLE 0 20,958 0 300
Abbvie Inc Com 00287Y109 2,703 17,651 SH   OTR 0 14,326 295 3,030
Activision Blizzard, Inc Com 00507V109 725 9,309 SH   SOLE 0 9,309 0 0
Activision Blizzard, Inc Com 00507V109 541 6,950 SH   OTR 0 6,950 0 0
Air Products & Chemicals Inc Com 009158106 1,320 5,488 SH   SOLE 0 5,488 0 0
Air Products & Chemicals Inc Com 009158106 420 1,745 SH   OTR 0 1,745 0 0
Allstate Corp Com 020002101 82 649 SH   SOLE 0 649 0 0
Allstate Corp Com 020002101 253 2,000 SH   OTR 0 2,000 0 0
Alphabet Inc Cl C Com 02079K107 4,633 2,118 SH   SOLE 0 2,028 0 90
Alphabet Inc Cl C Com 02079K107 4,185 1,913 SH   OTR 0 1,783 0 130
Alphabet Inc Cl A Com 02079K305 3,136 1,439 SH   SOLE 0 1,419 0 20
Alphabet Inc Cl A Com 02079K305 702 322 SH   OTR 0 207 0 115
Altria Group Inc Com 02209S103 524 12,534 SH   SOLE 0 11,759 0 775
Altria Group Inc Com 02209S103 1,350 32,317 SH   OTR 0 31,617 0 700
Amazon.Com Inc Com 023135106 1,468 13,825 SH   SOLE 0 13,825 0 0
Amazon.Com Inc Com 023135106 718 6,760 SH   OTR 0 5,360 0 1,400
American Express CO Com 025816109 596 4,301 SH   SOLE 0 4,301 0 0
American Express CO Com 025816109 206 1,484 SH   OTR 0 1,198 0 286
American Tower Corp REIT Com 03027X100 249 973 SH   SOLE 0 973 0 0
American Tower Corp REIT Com 03027X100 173 676 SH   OTR 0 676 0 0
American Water Works CO Inc Com 030420103 1,410 9,475 SH   SOLE 0 9,475 0 0
American Water Works CO Inc Com 030420103 1,105 7,430 SH   OTR 0 5,900 100 1,430
Amgen Inc Com 031162100 633 2,603 SH   SOLE 0 2,603 0 0
Amgen Inc Com 031162100 300 1,235 SH   OTR 0 1,235 0 0
Amplify CWP Enhanced Dividend Com 032108409 305 9,096 SH   SOLE 0 9,096 0 0
Amplify CWP Enhanced Dividend Com 032108409 168 5,000 SH   OTR 0 5,000 0 0
APA Corporation Com 03743Q108 320 9,183 SH   SOLE 0 9,183 0 0
APA Corporation Com 03743Q108 44 1,250 SH   OTR 0 1,250 0 0
Apple Inc Com 037833100 19,055 139,369 SH   SOLE 0 126,551 315 12,503
Apple Inc Com 037833100 12,563 91,885 SH   OTR 0 80,645 2,420 8,820
Arrow Finl Corp Com 042744102 248 7,801 SH   SOLE 0 1,847 0 5,954
Arrow Finl Corp Com 042744102 164 5,150 SH   OTR 0 5,150 0 0
Autoliv Inc Com 052800109 675 9,430 SH   SOLE 0 8,386 0 1,044
Autoliv Inc Com 052800109 769 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103 4,181 19,908 SH   SOLE 0 19,628 0 280
Automatic Data Processing Inc Com 053015103 1,364 6,496 SH   OTR 0 5,881 135 480
BP PLC Spons ADR Com 055622104 101 3,564 SH   SOLE 0 3,564 0 0
BP PLC Spons ADR Com 055622104 185 6,530 SH   OTR 0 6,530 0 0
Bank of America Corp Com 060505104 668 21,466 SH   SOLE 0 20,818 0 648
Bank of America Corp Com 060505104 205 6,570 SH   OTR 0 6,570 0 0
Bank of New York Mellon Corp Com 064058100 589 14,124 SH   SOLE 0 14,124 0 0
Bank of New York Mellon Corp Com 064058100 35 838 SH   OTR 0 338 0 500
Baxter Intl Inc Com 071813109 454 7,063 SH   SOLE 0 7,063 0 0
Baxter Intl Inc Com 071813109 174 2,705 SH   OTR 0 1,145 100 1,460
Becton Dickinson Com 075887109 310 1,256 SH   SOLE 0 1,256 0 0
Becton Dickinson Com 075887109 261 1,057 SH   OTR 0 1,057 0 0
Berkshire Hathaway Inc-Cl B Com 084670702 2,411 8,832 SH   SOLE 0 8,602 30 200
Berkshire Hathaway Inc-Cl B Com 084670702 2,194 8,036 SH   OTR 0 7,998 38 0
Best Buy Company Inc Com 086516101 230 3,527 SH   SOLE 0 3,527 0 0
Best Buy Company Inc Com 086516101 26 395 SH   OTR 0 395 0 0
BHP Group Ltd Spons ADR Com 088606108 162 2,878 SH   SOLE 0 2,678 0 200
BHP Group Ltd Spons ADR Com 088606108 57 1,015 SH   OTR 0 1,015 0 0
Blackrock Inc Cl A Com 09247X101 69 114 SH   SOLE 0 114 0 0
Blackrock Inc Cl A Com 09247X101 300 492 SH   OTR 0 93 0 399
Boeing CO Com 097023105 1,026 7,504 SH   SOLE 0 7,304 0 200
Boeing CO Com 097023105 1,246 9,117 SH   OTR 0 8,787 180 150
Bristol Myers Squibb CO Com 110122108 4,280 55,582 SH   SOLE 0 52,802 660 2,120
Bristol Myers Squibb CO Com 110122108 2,650 34,418 SH   OTR 0 28,842 315 5,261
Cigna Corp Com 125523100 237 900 SH   SOLE 0 863 0 37
Cigna Corp Com 125523100 19 73 SH   OTR 0 73 0 0
Csx Corp Com 126408103 244 8,388 SH   SOLE 0 8,388 0 0
Csx Corp Com 126408103 188 6,480 SH   OTR 0 6,480 0 0
CVS Health Corp Com 126650100 3,251 35,089 SH   SOLE 0 34,269 0 820
CVS Health Corp Com 126650100 1,779 19,202 SH   OTR 0 16,021 300 2,881
Carrier Global Corporation Com 14448C104 767 21,502 SH   SOLE 0 20,708 100 694
Carrier Global Corporation Com 14448C104 573 16,058 SH   OTR 0 13,156 1,106 1,796
Caterpillar Inc Com 149123101 2,201 12,313 SH   SOLE 0 11,425 0 888
Caterpillar Inc Com 149123101 1,771 9,907 SH   OTR 0 9,570 37 300
Chevron Corporation Com 166764100 5,871 40,550 SH   SOLE 0 38,335 350 1,865
Chevron Corporation Com 166764100 4,342 29,991 SH   OTR 0 28,411 375 1,205
Chipotle Mexican Grill Inc Com 169656105 190 145 SH   SOLE 0 145 0 0
Chipotle Mexican Grill Inc Com 169656105 56 43 SH   OTR 0 43 0 0
Cisco Systems Inc Com 17275R102 3,048 71,481 SH   SOLE 0 67,744 0 3,737
Cisco Systems Inc Com 17275R102 2,157 50,587 SH   OTR 0 48,842 715 1,030
Citigroup Inc Com 172967424 513 11,149 SH   SOLE 0 11,149 0 0
Citigroup Inc Com 172967424 250 5,426 SH   OTR 0 5,276 150 0
Clorox Company Com 189054109 704 4,991 SH   SOLE 0 4,991 0 0
Clorox Company Com 189054109 361 2,560 SH   OTR 0 2,075 0 485
Coca Cola CO Com 191216100 2,740 43,560 SH   SOLE 0 37,711 865 4,984
Coca Cola CO Com 191216100 1,151 18,289 SH   OTR 0 13,334 150 4,805
Colgate Palmolive CO Com 194162103 1,025 12,786 SH   SOLE 0 10,926 410 1,450
Colgate Palmolive CO Com 194162103 595 7,428 SH   OTR 0 3,980 0 3,448
ComCast Corp-Cl A Com 20030N101 891 22,710 SH   SOLE 0 20,600 0 2,110
ComCast Corp-Cl A Com 20030N101 421 10,735 SH   OTR 0 8,752 810 1,173
Community Bank System Inc Com 203607106 120 1,902 SH   SOLE 0 1,700 0 202
Community Bank System Inc Com 203607106 480 7,580 SH   OTR 0 7,000 580 0
Conocophillips Com 20825C104 727 8,094 SH   SOLE 0 7,994 100 0
Conocophillips Com 20825C104 146 1,622 SH   OTR 0 1,472 150 0
Corning Inc Com 219350105 447 14,176 SH   SOLE 0 14,176 0 0
Corning Inc Com 219350105 276 8,750 SH   OTR 0 6,000 900 1,850
Corteva Inc Com Com 22052L104 100 1,851 SH   SOLE 0 1,760 0 91
Corteva Inc Com Com 22052L104 445 8,222 SH   OTR 0 7,994 0 228
Costco Wholesale Corp Com 22160K105 906 1,891 SH   SOLE 0 1,891 0 0
Costco Wholesale Corp Com 22160K105 595 1,241 SH   OTR 0 751 0 490
DTE Energy Co Com 233331107 381 3,009 SH   SOLE 0 3,009 0 0
Danaher Corp Com 235851102 4,286 16,905 SH   SOLE 0 14,945 0 1,960
Danaher Corp Com 235851102 2,695 10,630 SH   OTR 0 9,438 135 1,057
Deere & CO Com 244199105 1,930 6,444 SH   SOLE 0 5,756 25 663
Deere & CO Com 244199105 3,212 10,725 SH   OTR 0 10,655 70 0
Dicks Sporting Goods Inc Com 253393102 285 3,776 SH   SOLE 0 3,776 0 0
Dicks Sporting Goods Inc Com 253393102 34 453 SH   OTR 0 453 0 0
Digital Realty Trust Inc REIT Com 253868103 231 1,777 SH   SOLE 0 1,777 0 0
Disney Walt CO New Com 254687106 2,975 31,513 SH   SOLE 0 30,396 0 1,117
Disney Walt CO New Com 254687106 2,008 21,274 SH   OTR 0 19,949 600 725
Dominion Resources Inc Com 25746U109 1,229 15,394 SH   SOLE 0 15,084 0 310
Dominion Resources Inc Com 25746U109 798 10,005 SH   OTR 0 7,625 80 2,300
Dow Inc Com Com 260557103 778 15,070 SH   SOLE 0 14,979 0 91
Dow Inc Com Com 260557103 1,043 20,210 SH   OTR 0 18,436 16 1,758
Duke Energy Corp Com 26441C204 368 3,435 SH   SOLE 0 3,150 285 0
Duke Energy Corp Com 26441C204 147 1,375 SH   OTR 0 1,275 100 0
Dupont De Nemours Inc Com 26614N102 852 15,329 SH   SOLE 0 15,238 0 91
Dupont De Nemours Inc Com 26614N102 771 13,880 SH   OTR 0 12,719 316 845
Ecolab Inc Com 278865100 1,017 6,615 SH   SOLE 0 6,615 0 0
Ecolab Inc Com 278865100 442 2,875 SH   OTR 0 2,385 40 450
Emerson Elec CO Com 291011104 853 10,729 SH   SOLE 0 10,729 0 0
Emerson Elec CO Com 291011104 270 3,390 SH   OTR 0 3,190 200 0
Exelon Corp Com 30161N101 167 3,691 SH   SOLE 0 3,691 0 0
Exelon Corp Com 30161N101 142 3,138 SH   OTR 0 2,788 0 350
Exxonmobil Corp Com 30231G102 6,897 80,531 SH   SOLE 0 76,655 730 3,146
Exxonmobil Corp Com 30231G102 5,797 67,695 SH   OTR 0 64,090 660 2,945
Meta Platforms Inc Com 30303M102 1,015 6,294 SH   SOLE 0 6,294 0 0
Meta Platforms Inc Com 30303M102 660 4,091 SH   OTR 0 4,091 0 0
Fedex Corporation Com 31428X106 185 816 SH   SOLE 0 816 0 0
Fedex Corporation Com 31428X106 51 225 SH   OTR 0 225 0 0
Fiserv Inc Com 337738108 404 4,544 SH   SOLE 0 4,544 0 0
Fiserv Inc Com 337738108 78 874 SH   OTR 0 874 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407 40,849 1,029,732 SH   SOLE 0 1,025,931 0 3,801
FlexShares Mstar Glbl Upstrm N Com 33939L407 3,563 89,819 SH   OTR 0 86,867 340 2,612
FlexShares Global Quality Real Com 33939L787 684 12,015 SH   SOLE 0 12,015 0 0
FlexShares Global Quality Real Com 33939L787 1 20 SH   OTR 0 20 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 6,727 130,164 SH   SOLE 0 130,164 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795 819 15,843 SH   OTR 0 15,593 0 250
FlexShares International Quali Com 33939L837 490 24,000 SH   SOLE 0 24,000 0 0
FlexShares International Quali Com 33939L837 59 2,880 SH   OTR 0 2,880 0 0
Fortive Corp Com 34959J108 228 4,188 SH   SOLE 0 3,888 0 300
Fortive Corp Com 34959J108 103 1,899 SH   OTR 0 1,055 50 794
Freeport-McMoran Inc Com 35671D857 129 4,422 SH   SOLE 0 4,422 0 0
Freeport-McMoran Inc Com 35671D857 91 3,106 SH   OTR 0 1,381 0 1,725
General Dynamics Corp Com 369550108 1,191 5,384 SH   SOLE 0 5,234 0 150
General Dynamics Corp Com 369550108 198 896 SH   OTR 0 896 0 0
General Electric Co New Com 369604301 299 4,698 SH   SOLE 0 4,344 0 354
General Electric Co New Com 369604301 198 3,109 SH   OTR 0 3,100 0 9
General Mls Inc Com 370334104 836 11,075 SH   SOLE 0 10,577 0 498
General Mls Inc Com 370334104 532 7,055 SH   OTR 0 6,410 100 545
Gilead Sciences Inc Com 375558103 324 5,245 SH   SOLE 0 5,245 0 0
Gilead Sciences Inc Com 375558103 273 4,422 SH   OTR 0 1,863 60 2,499
GSK PLC ADR Com 37733W105 273 6,266 SH   SOLE 0 6,266 0 0
GSK PLC ADR Com 37733W105 106 2,437 SH   OTR 0 1,632 55 750
Global X US Preferred ETF Com 37954Y657 255 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104 1,057 3,558 SH   SOLE 0 3,538 20 0
Goldman Sachs Group Inc Com 38141G104 1,194 4,020 SH   OTR 0 4,005 15 0
Grainger W W Inc Com 384802104 1,555 3,422 SH   SOLE 0 3,422 0 0
Grainger W W Inc Com 384802104 836 1,839 SH   OTR 0 959 100 780
The Hershey Company Com 427866108 172 800 SH   SOLE 0 800 0 0
The Hershey Company Com 427866108 161 750 SH   OTR 0 750 0 0
Home Depot Inc Com 437076102 970 3,535 SH   SOLE 0 3,535 0 0
Home Depot Inc Com 437076102 1,441 5,255 SH   OTR 0 4,155 150 950
Honeywell International Inc Com 438516106 3,110 17,892 SH   SOLE 0 16,977 0 915
Honeywell International Inc Com 438516106 1,334 7,674 SH   OTR 0 5,556 290 1,828
Illinois Tool Wks Inc Com 452308109 313 1,716 SH   SOLE 0 1,716 0 0
Illinois Tool Wks Inc Com 452308109 68 375 SH   OTR 0 375 0 0
Intel Corp Com 458140100 3,441 91,990 SH   SOLE 0 89,465 1,025 1,500
Intel Corp Com 458140100 1,157 30,935 SH   OTR 0 28,270 1,540 1,125
Intercontinental Exchange Inc Com 45866F104 664 7,066 SH   SOLE 0 7,066 0 0
Intercontinental Exchange Inc Com 45866F104 105 1,120 SH   OTR 0 1,120 0 0
Intl. Business Machines Corp Com 459200101 2,483 17,586 SH   SOLE 0 15,749 430 1,407
Intl. Business Machines Corp Com 459200101 2,520 17,848 SH   OTR 0 16,265 0 1,583
Invesco SP 500 Low Volatility Com 46138E354 217 3,493 SH   SOLE 0 3,493 0 0
Ishares Barclays TIPS Bond ETF Com 464287176 356 3,128 SH   SOLE 0 3,128 0 0
Ishares Core S&P 500 ETF Com 464287200 224 590 SH   SOLE 0 590 0 0
Ishares Core Total U.S. Aggreg Com 464287226 238 2,340 SH   SOLE 0 2,340 0 0
Ishares Msci Emerging Mkt ETF Com 464287234 3,066 76,470 SH   SOLE 0 75,454 525 491
Ishares Msci Emerging Mkt ETF Com 464287234 897 22,360 SH   OTR 0 21,424 561 375
Ishares Msci Eafe ETF Com 464287465 2,983 47,736 SH   SOLE 0 46,746 0 990
Ishares Msci Eafe ETF Com 464287465 1,021 16,339 SH   OTR 0 16,064 200 75
Ishares Core S&P Mid-Cap ETF Com 464287507 1,498 6,620 SH   SOLE 0 6,620 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 432 1,911 SH   OTR 0 1,766 0 145
Ishares Nasdaq Biotech ETF Com 464287556 2,546 21,642 SH   SOLE 0 21,054 96 492
Ishares Nasdaq Biotech ETF Com 464287556 1,670 14,197 SH   OTR 0 12,060 540 1,597
Ishares S&P Midcap 400/Grwth E Com 464287606 243 3,816 SH   SOLE 0 3,816 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606 139 2,180 SH   OTR 0 2,180 0 0
Ishares Russell 1000 Growth ET Com 464287614 240 1,097 SH   SOLE 0 1,097 0 0
Ishares Russell 2000 Value ETF Com 464287630 266 1,952 SH   SOLE 0 1,952 0 0
Ishares Russell 2000 Value ETF Com 464287630 25 185 SH   OTR 0 0 185 0
Ishares Russell 2000 ETF Com 464287655 4,799 28,335 SH   SOLE 0 27,053 0 1,282
Ishares Russell 2000 ETF Com 464287655 660 3,896 SH   OTR 0 3,761 100 35
Ishares DJ US Telcom Sector ET Com 464287713 726 28,879 SH   SOLE 0 28,879 0 0
Ishares DJ US Telcom Sector ET Com 464287713 491 19,555 SH   OTR 0 19,355 200 0
Ishares Core S&P Small-Cap ETF Com 464287804 477 5,159 SH   SOLE 0 5,159 0 0
Ishares Msci Eafe Small Cap ET Com 464288273 3,118 57,124 SH   SOLE 0 57,114 0 10
Ishares Msci Eafe Small Cap ET Com 464288273 388 7,101 SH   OTR 0 7,101 0 0
Ishares New York Muni Bond ETF Com 464288323 919 17,467 SH   SOLE 0 17,467 0 0
Ishares IBoxx High Yield Corpo Com 464288513 2,327 31,606 SH   SOLE 0 31,606 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 374 7,398 SH   SOLE 0 7,398 0 0
Ishares S&P Pref Stk ETF Com 464288687 2,213 67,293 SH   SOLE 0 67,293 0 0
Ishares S&P Pref Stk ETF Com 464288687 339 10,304 SH   OTR 0 7,124 0 3,180
Ishares MSCI EAFE Growth ETF Com 464288885 16,254 201,934 SH   SOLE 0 200,246 0 1,688
Ishares MSCI EAFE Growth ETF Com 464288885 2,840 35,281 SH   OTR 0 34,826 0 455
IShares Russell Top 200 Growth Com 464289438 217 1,730 SH   SOLE 0 1,730 0 0
iShares Core High Dividend ETF Com 46429B663 874 8,706 SH   SOLE 0 8,706 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 2,261 22,295 SH   SOLE 0 22,295 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747 900 8,876 SH   OTR 0 8,876 0 0
Ishares Core Msci Eafe ETF Com 46432F842 7,457 126,720 SH   SOLE 0 126,665 0 55
Ishares Core Msci Eafe ETF Com 46432F842 808 13,730 SH   OTR 0 13,730 0 0
Ishares Core Emerging Markets Com 46434G103 4,245 86,536 SH   SOLE 0 86,536 0 0
Ishares Core Emerging Markets Com 46434G103 979 19,961 SH   OTR 0 18,362 0 1,599
IShares Core Intnl Agg Bond ET Com 46435G672 433 8,687 SH   SOLE 0 8,687 0 0
JP Morgan Chase & CO Com 46625H100 6,596 58,575 SH   SOLE 0 57,048 112 1,415
JP Morgan Chase & CO Com 46625H100 4,955 43,998 SH   OTR 0 37,235 585 6,178
JPMorgan Municipal ETF Com 46641Q647 168 3,365 SH   SOLE 0 3,365 0 0
JPMorgan Municipal ETF Com 46641Q647 127 2,545 SH   OTR 0 2,545 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 117 2,345 SH   SOLE 0 2,345 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837 150 3,000 SH   OTR 0 0 0 3,000
Jacobs Engineering Group Inc Com 469814107 378 2,975 SH   OTR 0 1,075 0 1,900
Johnson & Johnson Com 478160104 10,101 56,902 SH   SOLE 0 51,492 150 5,260
Johnson & Johnson Com 478160104 5,330 30,029 SH   OTR 0 26,406 260 3,363
Kimberly Clark Corp Com 494368103 517 3,823 SH   SOLE 0 3,823 0 0
Kimberly Clark Corp Com 494368103 54 400 SH   OTR 0 400 0 0
Kraft Heinz CO Com 500754106 187 4,915 SH   SOLE 0 4,915 0 0
Kraft Heinz CO Com 500754106 270 7,081 SH   OTR 0 7,081 0 0
Lauder Estee Cos Cl-A Com 518439104 172 675 SH   SOLE 0 675 0 0
Lauder Estee Cos Cl-A Com 518439104 73 286 SH   OTR 0 286 0 0
Lilly Eli & CO Com 532457108 557 1,719 SH   SOLE 0 1,191 0 528
Lilly Eli & CO Com 532457108 2,054 6,335 SH   OTR 0 5,285 25 1,025
Lockheed Martin Corp Com 539830109 3,236 7,526 SH   SOLE 0 7,011 0 515
Lockheed Martin Corp Com 539830109 978 2,275 SH   OTR 0 2,275 0 0
Lowes Cos Inc Com 548661107 6,698 38,349 SH   SOLE 0 37,819 25 505
Lowes Cos Inc Com 548661107 4,032 23,086 SH   OTR 0 22,027 350 709
Marsh & McLennan Companies Inc Com 571748102 249 1,602 SH   SOLE 0 1,602 0 0
Marsh & McLennan Companies Inc Com 571748102 207 1,331 SH   OTR 0 1,331 0 0
Marriott International Inc Com 571903202 278 2,047 SH   SOLE 0 2,047 0 0
Mastercard Inc Cl A Com 57636Q104 342 1,083 SH   SOLE 0 1,083 0 0
Mastercard Inc Cl A Com 57636Q104 134 424 SH   OTR 0 424 0 0
McDonalds Corp Com 580135101 7,377 29,879 SH   SOLE 0 29,649 75 155
McDonalds Corp Com 580135101 4,286 17,359 SH   OTR 0 16,546 238 575
Merck & CO Inc Com 58933Y105 3,658 40,124 SH   SOLE 0 38,704 620 800
Merck & CO Inc Com 58933Y105 2,005 21,987 SH   OTR 0 20,337 300 1,350
Metlife Inc Com 59156R108 388 6,177 SH   SOLE 0 6,177 0 0
Metlife Inc Com 59156R108 101 1,611 SH   OTR 0 1,300 111 200
Microsoft Corp Com 594918104 16,069 62,566 SH   SOLE 0 59,358 180 3,028
Microsoft Corp Com 594918104 9,122 35,516 SH   OTR 0 33,290 710 1,516
Microchip Technology Inc Com 595017104 1,887 32,484 SH   SOLE 0 32,484 0 0
Microchip Technology Inc Com 595017104 587 10,110 SH   OTR 0 8,560 300 1,250
Mondelez International Inc Com 609207105 621 10,005 SH   SOLE 0 9,591 0 414
Mondelez International Inc Com 609207105 1,165 18,761 SH   OTR 0 18,761 0 0
Morgan Stanley Com 617446448 204 2,682 SH   SOLE 0 2,682 0 0
Morgan Stanley Com 617446448 19 250 SH   OTR 0 250 0 0
NBT Bancorp Inc Com 628778102 7,191 191,312 SH   SOLE 0 141,136 2,500 47,676
NBT Bancorp Inc Com 628778102 870 23,140 SH   OTR 0 19,874 0 3,266
Nextera Energy Inc Com 65339F101 2,506 32,347 SH   SOLE 0 30,547 0 1,800
Nextera Energy Inc Com 65339F101 1,757 22,677 SH   OTR 0 12,034 120 10,523
Nike Inc-Class B Com 654106103 1,817 17,778 SH   SOLE 0 17,778 0 0
Nike Inc-Class B Com 654106103 650 6,364 SH   OTR 0 6,364 0 0
Norfolk Southern Corp Com 655844108 1,104 4,858 SH   SOLE 0 4,858 0 0
Norfolk Southern Corp Com 655844108 1,487 6,543 SH   OTR 0 4,428 70 2,045
Novartis Ag Spons ADR Com 66987V109 1,104 13,060 SH   SOLE 0 12,910 0 150
Novartis Ag Spons ADR Com 66987V109 764 9,038 SH   OTR 0 8,938 100 0
Nucor Corp Com 670346105 805 7,712 SH   SOLE 0 7,712 0 0
Nucor Corp Com 670346105 329 3,150 SH   OTR 0 2,400 0 750
Nvidia Corp Com 67066G104 707 4,663 SH   SOLE 0 4,663 0 0
Nvidia Corp Com 67066G104 77 505 SH   OTR 0 505 0 0
O'Reilly Automotive Inc Com 67103H107 284 450 SH   SOLE 0 450 0 0
Oracle Corporation Com 68389X105 2,365 33,852 SH   SOLE 0 32,352 0 1,500
Oracle Corporation Com 68389X105 744 10,655 SH   OTR 0 7,885 70 2,700
Otis Worldwide Corp Com 68902V107 589 8,334 SH   SOLE 0 7,937 50 347
Otis Worldwide Corp Com 68902V107 467 6,613 SH   OTR 0 5,960 553 100
Palo Alto Networks Com 697435105 435 880 SH   SOLE 0 880 0 0
Palo Alto Networks Com 697435105 276 559 SH   OTR 0 559 0 0
Paypal Holdings Inc Com 70450Y103 98 1,405 SH   SOLE 0 1,405 0 0
Paypal Holdings Inc Com 70450Y103 202 2,889 SH   OTR 0 1,039 0 1,850
Pepsico Inc Com 713448108 6,867 41,204 SH   SOLE 0 40,541 90 573
Pepsico Inc Com 713448108 3,247 19,480 SH   OTR 0 18,325 345 810
Pfizer Inc Com 717081103 5,713 108,958 SH   SOLE 0 104,437 0 4,521
Pfizer Inc Com 717081103 2,914 55,585 SH   OTR 0 51,611 1,385 2,589
Philip Morris International Com 718172109 819 8,299 SH   SOLE 0 7,624 0 675
Philip Morris International Com 718172109 2,407 24,377 SH   OTR 0 24,377 0 0
T Rowe Price Group Inc Com 74144T108 2,524 22,212 SH   SOLE 0 22,162 50 0
T Rowe Price Group Inc Com 74144T108 1,581 13,916 SH   OTR 0 13,436 295 185
Procter & Gamble CO Com 742718109 8,627 59,999 SH   SOLE 0 55,247 365 4,387
Procter & Gamble CO Com 742718109 5,070 35,260 SH   OTR 0 30,980 380 3,900
Prudential Finl Inc Com 744320102 1,243 12,988 SH   SOLE 0 12,938 50 0
Prudential Finl Inc Com 744320102 1,223 12,777 SH   OTR 0 12,427 150 200
Public Service Enterprise Grou Com 744573106 96 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106 161 2,550 SH   OTR 0 2,550 0 0
Qualcomm Inc Com 747525103 3,090 24,193 SH   SOLE 0 23,768 0 425
Qualcomm Inc Com 747525103 1,734 13,574 SH   OTR 0 12,849 225 500
Quanta Services Incorporated Com 74762E102 846 6,750 SH   OTR 0 2,100 0 4,650
Raytheon Technologies Corp Com 75513E101 3,592 37,370 SH   SOLE 0 36,400 100 870
Raytheon Technologies Corp Com 75513E101 2,681 27,897 SH   OTR 0 23,910 1,186 2,801
Shell PLC Spon ADS Com 780259305 5 100 SH   SOLE 0 100 0 0
Shell PLC Spon ADS Com 780259305 510 9,750 SH   OTR 0 5,150 0 4,600
S&P Global Inc Com 78409V104 539 1,600 SH   OTR 0 0 0 1,600
SPDR S&P 500 ETF Trust Com 78462F103 4,307 11,417 SH   SOLE 0 11,003 0 414
SPDR S&P 500 ETF Trust Com 78462F103 655 1,735 SH   OTR 0 1,415 160 160
SPDR Gold Trust Com 78463V107 290 1,724 SH   SOLE 0 1,724 0 0
SPDR Gold Trust Com 78463V107 8 50 SH   OTR 0 50 0 0
SPDR Portfolio Emerging Market Com 78463X509 282 8,108 SH   SOLE 0 8,108 0 0
SPDR Portfolio Developed Wld e Com 78463X889 2,774 96,171 SH   SOLE 0 96,171 0 0
SPDR Portfolio Developed Wld e Com 78463X889 861 29,847 SH   OTR 0 29,847 0 0
SPDR Preferred Stock ETF Com 78464A292 248 6,930 SH   SOLE 0 6,930 0 0
SPDR Portfolio Intermediate Te Com 78464A375 640 19,609 SH   SOLE 0 19,609 0 0
SPDR S&P Regional Banking ETF Com 78464A698 1,879 32,338 SH   SOLE 0 31,838 0 500
SPDR S&P Regional Banking ETF Com 78464A698 1,239 21,332 SH   OTR 0 21,132 100 100
SPDR S&P Dividend ETF Com 78464A763 11,083 93,376 SH   SOLE 0 93,376 0 0
SPDR S&P Dividend ETF Com 78464A763 1,050 8,850 SH   OTR 0 8,850 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 1,076 3,494 SH   SOLE 0 3,494 0 0
SPDR Dow Jones Industrial Aver Com 78467X109 203 660 SH   OTR 0 560 0 100
Midcap SPDR Trust Series 1 Com 78467Y107 6,340 15,333 SH   SOLE 0 14,507 0 826
Midcap SPDR Trust Series 1 Com 78467Y107 884 2,138 SH   OTR 0 2,056 50 32
Salesforce Inc Com 79466L302 1,487 9,008 SH   SOLE 0 9,008 0 0
Salesforce Inc Com 79466L302 1,034 6,268 SH   OTR 0 6,268 0 0
Schlumberger Ltd Com 806857108 910 25,435 SH   SOLE 0 24,620 0 815
Schlumberger Ltd Com 806857108 567 15,864 SH   OTR 0 15,574 290 0
Charles Schwab Corp Com 808513105 205 3,238 SH   SOLE 0 3,238 0 0
Charles Schwab Corp Com 808513105 226 3,575 SH   OTR 0 3,575 0 0
Schwab US Small Cap ETF Com 808524607 3,092 79,306 SH   SOLE 0 79,306 0 0
Schwab US Small Cap ETF Com 808524607 259 6,632 SH   OTR 0 6,632 0 0
Schwab Fundamental Intl Lg Co Com 808524755 227 8,015 SH   SOLE 0 8,015 0 0
Schwab US Dividend Equity ETF Com 808524797 6,894 96,248 SH   SOLE 0 94,375 0 1,873
Schwab US Dividend Equity ETF Com 808524797 1,226 17,109 SH   OTR 0 17,109 0 0
Schwab International Equity ET Com 808524805 2,539 80,730 SH   SOLE 0 80,730 0 0
Schwab International Equity ET Com 808524805 523 16,614 SH   OTR 0 15,949 0 665
Schwab US Aggregate Bd ETF Com 808524839 962 20,106 SH   SOLE 0 20,106 0 0
Schwab US Aggregate Bd ETF Com 808524839 1,104 23,072 SH   OTR 0 23,072 0 0
Materials Select SPDR Fund Com 81369Y100 1,410 19,161 SH   SOLE 0 17,163 0 1,998
Materials Select SPDR Fund Com 81369Y100 719 9,766 SH   OTR 0 9,006 315 445
Health Care Select Sector SPDR Com 81369Y209 997 7,775 SH   SOLE 0 7,775 0 0
Health Care Select Sector SPDR Com 81369Y209 19 150 SH   OTR 0 150 0 0
Consumer Staples Select Sector Com 81369Y308 572 7,930 SH   SOLE 0 7,428 0 502
Consumer Staples Select Sector Com 81369Y308 44 615 SH   OTR 0 130 305 180
Consumer Discretionary Selt Com 81369Y407 1,205 8,762 SH   SOLE 0 6,932 0 1,830
Consumer Discretionary Selt Com 81369Y407 170 1,235 SH   OTR 0 770 355 110
Energy Select Sector SPDR Com 81369Y506 627 8,771 SH   SOLE 0 8,012 0 759
Energy Select Sector SPDR Com 81369Y506 128 1,794 SH   OTR 0 1,574 80 140
Financial Select Sector SPDR Com 81369Y605 902 28,679 SH   SOLE 0 25,990 0 2,689
Financial Select Sector SPDR Com 81369Y605 76 2,410 SH   OTR 0 2,210 200 0
Industrial Select Sector SPDR Com 81369Y704 935 10,711 SH   SOLE 0 10,711 0 0
Industrial Select Sector SPDR Com 81369Y704 55 625 SH   OTR 0 535 0 90
Technology Select Sect SPDR Com 81369Y803 1,983 15,597 SH   SOLE 0 15,336 162 99
Technology Select Sect SPDR Com 81369Y803 205 1,615 SH   OTR 0 1,465 150 0
Real Estate Select Sect SPDR Com 81369Y860 912 22,309 SH   SOLE 0 20,191 105 2,013
Real Estate Select Sect SPDR Com 81369Y860 1,426 34,903 SH   OTR 0 34,732 46 125
Utilities Select Sector SPDR Com 81369Y886 2,092 29,833 SH   SOLE 0 25,670 0 4,163
Utilities Select Sector SPDR Com 81369Y886 1,141 16,269 SH   OTR 0 15,179 620 470
Southern Company Com 842587107 1,172 16,438 SH   SOLE 0 16,438 0 0
Southern Company Com 842587107 808 11,325 SH   OTR 0 11,325 0 0
Starbucks Corp Com 855244109 109 1,428 SH   SOLE 0 1,428 0 0
Starbucks Corp Com 855244109 394 5,160 SH   OTR 0 5,160 0 0
Sysco Corp Com 871829107 470 5,545 SH   SOLE 0 5,545 0 0
Sysco Corp Com 871829107 534 6,304 SH   OTR 0 5,879 0 425
TJX Cos Inc Com 872540109 2,003 35,869 SH   SOLE 0 34,269 300 1,300
TJX Cos Inc Com 872540109 2,083 37,288 SH   OTR 0 32,879 455 3,954
Target Corp Com 87612E106 2,265 16,035 SH   SOLE 0 15,760 0 275
Target Corp Com 87612E106 1,954 13,835 SH   OTR 0 11,070 165 2,600
Thermo Fisher Scientific Inc Com 883556102 14 26 SH   SOLE 0 26 0 0
Thermo Fisher Scientific Inc Com 883556102 625 1,150 SH   OTR 0 0 0 1,150
3m CO Com 88579Y101 1,549 11,967 SH   SOLE 0 11,017 330 620
3m CO Com 88579Y101 344 2,660 SH   OTR 0 2,025 265 370
Truist Financial Corporation Com 89832Q109 366 7,725 SH   SOLE 0 7,725 0 0
Truist Financial Corporation Com 89832Q109 193 4,065 SH   OTR 0 4,065 0 0
US Bancorp New Com 902973304 808 17,561 SH   SOLE 0 17,561 0 0
US Bancorp New Com 902973304 368 7,999 SH   OTR 0 4,729 555 2,715
Union Pac Corp Com 907818108 3,851 18,057 SH   SOLE 0 17,149 0 908
Union Pac Corp Com 907818108 3,581 16,790 SH   OTR 0 15,160 50 1,580
United Parcel Service Cl B Com 911312106 710 3,890 SH   SOLE 0 3,890 0 0
United Parcel Service Cl B Com 911312106 356 1,949 SH   OTR 0 1,914 35 0
Unitedhealth Group Inc Com 91324P102 3,733 7,268 SH   SOLE 0 7,068 0 200
Unitedhealth Group Inc Com 91324P102 2,664 5,187 SH   OTR 0 4,172 120 895
Vaneck ETF Trust Agribusiness Com 92189F700 1,017 11,764 SH   SOLE 0 10,964 50 750
Vaneck ETF Trust Agribusiness Com 92189F700 954 11,028 SH   OTR 0 10,803 125 100
Vanguard Dividend Appreciation Com 921908844 188 1,312 SH   SOLE 0 1,312 0 0
Vanguard Dividend Appreciation Com 921908844 717 5,000 SH   OTR 0 5,000 0 0
Vanguard Total Intl Stock Et Com 921909768 48 925 SH   SOLE 0 925 0 0
Vanguard Total Intl Stock Et Com 921909768 266 5,150 SH   OTR 0 5,150 0 0
Vanguard Intermediate-Term Bon Com 921937819 429 5,520 SH   SOLE 0 5,520 0 0
Vanguard Intermediate-Term Bon Com 921937819 115 1,475 SH   OTR 0 1,475 0 0
Vanguard FTSE Developed Market Com 921943858 112 2,750 SH   SOLE 0 2,750 0 0
Vanguard FTSE Developed Market Com 921943858 168 4,125 SH   OTR 0 4,125 0 0
Vanguard High Dividend Yield E Com 921946406 258 2,537 SH   SOLE 0 2,537 0 0
Vanguard High Dividend Yield E Com 921946406 63 620 SH   OTR 0 620 0 0
Vanguard Ftse Emerging Markets Com 922042858 1,552 37,261 SH   SOLE 0 37,261 0 0
Vanguard Ftse Emerging Markets Com 922042858 389 9,340 SH   OTR 0 8,840 0 500
Vanguard Inter Term Corp Bond Com 92206C870 969 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870 1,103 13,783 SH   OTR 0 13,783 0 0
Vanguard S&P 500 ETF Com 922908363 10,332 29,785 SH   SOLE 0 29,598 0 187
Vanguard Mid-Cap Value Index F Com 922908512 399 3,079 SH   SOLE 0 3,079 0 0
Vanguard Real Estate ETF Com 922908553 979 10,743 SH   SOLE 0 10,743 0 0
Vanguard Real Estate ETF Com 922908553 479 5,261 SH   OTR 0 4,930 331 0
Vanguard Index Fund Mid-Cap Com 922908629 142 719 SH   SOLE 0 719 0 0
Vanguard Index Fund Mid-Cap Com 922908629 76 385 SH   OTR 0 385 0 0
Verizon Communications Com 92343V104 2,924 57,619 SH   SOLE 0 53,894 830 2,895
Verizon Communications Com 92343V104 2,019 39,776 SH   OTR 0 34,129 280 5,367
Visa Inc Cl A Com 92826C839 1,635 8,305 SH   SOLE 0 8,305 0 0
Visa Inc Cl A Com 92826C839 1,651 8,385 SH   OTR 0 7,187 100 1,098
Wal Mart Inc Com 931142103 1,845 15,179 SH   SOLE 0 14,779 0 400
Wal Mart Inc Com 931142103 1,627 13,379 SH   OTR 0 11,763 350 1,266
Walgreens Boots Alliance Inc Com 931427108 212 5,592 SH   SOLE 0 5,592 0 0
Walgreens Boots Alliance Inc Com 931427108 163 4,300 SH   OTR 0 3,700 0 600
Waste Management Inc Com 94106L109 21 140 SH   SOLE 0 140 0 0
Waste Management Inc Com 94106L109 226 1,480 SH   OTR 0 1,250 0 230
Wells Fargo & CO Com 949746101 1,161 29,639 SH   SOLE 0 29,239 0 400
Wells Fargo & CO Com 949746101 463 11,808 SH   OTR 0 8,968 655 2,185
WisdomTree MidCap Dividend ETF Com 97717W505 1,914 49,112 SH   SOLE 0 48,356 0 756
WisdomTree MidCap Dividend ETF Com 97717W505 242 6,219 SH   OTR 0 3,209 0 3,010
WisdomTree SmallCap Dividend E Com 97717W604 499 17,691 SH   SOLE 0 17,566 0 125
WisdomTree SmallCap Dividend E Com 97717W604 25 872 SH   OTR 0 872 0 0
Xylem Inc Com 98419M100 263 3,364 SH   SOLE 0 3,364 0 0
Xylem Inc Com 98419M100 160 2,050 SH   OTR 0 2,050 0 0
Yum! Brands Inc Com 988498101 277 2,439 SH   SOLE 0 2,439 0 0
Yum! Brands Inc Com 988498101 104 914 SH   OTR 0 914 0 0
Zimmer Biomet Holdings Inc Com 98956P102 414 3,942 SH   SOLE 0 3,692 60 190
Zimmer Biomet Holdings Inc Com 98956P102 283 2,691 SH   OTR 0 2,266 100 325
Deutsche Bank Ag ADR Com D18190898 87 10,000 SH   SOLE 0 10,000 0 0
Accenture PLC Cl A Com G1151C101 75 270 SH   SOLE 0 270 0 0
Accenture PLC Cl A Com G1151C101 334 1,203 SH   OTR 0 0 30 1,173
Eaton Corp PLC Com G29183103 633 5,026 SH   SOLE 0 5,026 0 0
Eaton Corp PLC Com G29183103 639 5,068 SH   OTR 0 3,993 0 1,075
Linde PLC Com G5494J103 1,686 5,865 SH   SOLE 0 5,865 0 0
Linde PLC Com G5494J103 970 3,374 SH   OTR 0 2,449 0 925
Medtronic PLC Com G5960L103 916 10,208 SH   SOLE 0 10,208 0 0
Medtronic PLC Com G5960L103 818 9,111 SH   OTR 0 8,540 71 500