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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COMMON STOCK 002824100   2,187,159 20,062 SH   DFND 2 20,062 0 0
ABBVIE INC COMMON STOCK 00287Y109   660,042 4,899 SH   DFND 2 4,899 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,491,941 17,698 SH   DFND 2 17,698 0 0
ADOBE INC COMMON STOCK 00724F101   3,397,503 6,948 SH   DFND 2 6,948 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   77,578 259 SH   DFND 2 259 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   6,517,785 54,451 SH   DFND 2 54,451 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   1,722,129 14,236 SH   DFND 2 14,236 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   257,349 5,681 SH   DFND 2 5,681 0 0
AMAZON.COM INC COMMON STOCK 023135106   4,835,313 37,092 SH   DFND 2 37,092 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101   72,833 865 SH   DFND 2 865 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   294,050 1,688 SH   DFND 2 1,688 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784   17,262 300 SH   DFND 2 300 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   834,659 5,847 SH   DFND 2 5,847 0 0
AMGEN INC COMMON STOCK 031162100   1,039,054 4,680 SH   DFND 2 4,680 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   1,560,956 18,375 SH   DFND 2 18,375 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   11,689 60 SH   DFND 2 60 0 0
APPLE INC COMMON STOCK 037833100   12,037,196 62,057 SH   DFND 2 62,057 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105   332,442 2,300 SH   DFND 2 2,300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102   15,112 200 SH   DFND 2 200 0 0
ASHLAND INC COMMON STOCK 044186104   14,340 165 SH   DFND 2 165 0 0
AT&T INC COMMON STOCK 00206R102   609,178 38,193 SH   DFND 2 38,193 0 0
AUTODESK INC COMMON STOCK 052769106   16,369 80 SH   DFND 2 80 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   621,566 2,828 SH   DFND 2 2,828 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,803,425 62,859 SH   DFND 2 62,859 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   49,506 1,112 SH   DFND 2 1,112 0 0
BAXTER INTL INC COMMON STOCK 071813109   12,757 280 SH   DFND 2 280 0 0
BECTON DICKINSON COMMON STOCK 075887109   50,162 190 SH   DFND 2 190 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   3,164,821 9,281 SH   DFND 2 9,281 0 0
BEST BUY CO INC COMMON STOCK 086516101   3,688 45 SH   DFND 2 45 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,392,727 3,462 SH   DFND 2 3,462 0 0
BLACKSTONE INC COMMON STOCK 09260D107   51,877 558 SH   DFND 2 558 0 0
BOEING CO COMMON STOCK 097023105   33,786 160 SH   DFND 2 160 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   83,710 31 SH   DFND 2 31 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   2,247,970 35,152 SH   DFND 2 35,152 0 0
BROADCOM INC COMMON STOCK 11135F101   125,777 145 SH   DFND 2 145 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   38,826 355 SH   DFND 2 355 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   9,457 100 SH   DFND 2 100 0 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   44,838 902 SH   DFND 2 902 0 0
CATERPILLAR INC COMMON STOCK 149123101   2,014,657 8,188 SH   DFND 2 8,188 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105   35,425 625 SH   DFND 2 625 0 0
CHARTER COMMUNICATIONS INC CL COMMON STOCK 16119P108   1,102 3 SH   DFND 2 3 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,072,812 6,818 SH   DFND 2 6,818 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   3,061,611 59,173 SH   DFND 2 59,173 0 0
CITIGROUP INC COMMON STOCK 172967424   6,906 150 SH   DFND 2 150 0 0
CLOROX COMPANY COMMON STOCK 189054109   79,043 497 SH   DFND 2 497 0 0
CME GROUP INC COMMON STOCK 12572Q105   41,690 225 SH   DFND 2 225 0 0
CMS ENERGY CORP COMMON STOCK 125896100   7,109 121 SH   DFND 2 121 0 0
COCA COLA CO COMMON STOCK 191216100   1,587,158 26,356 SH   DFND 2 26,356 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   204,772 2,658 SH   DFND 2 2,658 0 0
COMCAST CORP-CL A COMMON STOCK 20030N101   122,573 2,950 SH   DFND 2 2,950 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   1,412,101 13,629 SH   DFND 2 13,629 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   93,926 1,039 SH   DFND 2 1,039 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   431,958 1,755 SH   DFND 2 1,755 0 0
CONSTELLATION ENERGY CORP COMMON STOCK 21037T109   3,021 33 SH   DFND 2 33 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   2,516,388 4,674 SH   DFND 2 4,674 0 0
CSX CORP COMMON STOCK 126408103   8,593 252 SH   DFND 2 252 0 0
CUMMINS INC COMMON STOCK 231021106   1,429,528 5,831 SH   DFND 2 5,831 0 0
CVS HEALTH CORP COMMON STOCK 126650100   19,495 282 SH   DFND 2 282 0 0
DANAHER CORP COMMON STOCK 235851102   1,704,480 7,102 SH   DFND 2 7,102 0 0
DEERE & CO COMMON STOCK 244199105   206,242 509 SH   DFND 2 509 0 0
DEVON ENERGY CORPORATION COMMON STOCK 25179M103   4,834 100 SH   DFND 2 100 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   2,137,274 23,939 SH   DFND 2 23,939 0 0
DOLLAR GENERAL CORP COMMON STOCK 256677105   20,713 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108   2,050,759 14,291 SH   DFND 2 14,291 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   687,875 13,282 SH   DFND 2 13,282 0 0
DOW INC COMMON STOCK 260557103   47,561 893 SH   DFND 2 893 0 0
DUKE ENERGY CORP COMMON STOCK 26441C204   90,278 1,006 SH   DFND 2 1,006 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   63,010 882 SH   DFND 2 882 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   700,653 8,369 SH   DFND 2 8,369 0 0
EBAY INC COMMON STOCK 278642103   17,876 400 SH   DFND 2 400 0 0
ECOLAB INC COMMON STOCK 278865100   398,396 2,134 SH   DFND 2 2,134 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107   24,308 350 SH   DFND 2 350 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109   2,075 16 SH   DFND 2 16 0 0
EMERSON ELEC CO COMMON STOCK 291011104   122,930 1,360 SH   DFND 2 1,360 0 0
EOG RES INC COMMON STOCK 26875P101   21,171 185 SH   DFND 2 185 0 0
ESSENTIAL UTILITIES INC COMMON STOCK 29670G102   43,183 1,082 SH   DFND 2 1,082 0 0
EXELON CORP COMMON STOCK 30161N101   4,074 100 SH   DFND 2 100 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   2,720,718 25,368 SH   DFND 2 25,368 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105   24,039 60 SH   DFND 2 60 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   178,488 720 SH   DFND 2 720 0 0
FIRSTENERGY CORP COMMON STOCK 337932107   31,143 801 SH   DFND 2 801 0 0
FISERV INC COMMON STOCK 337738108   299,606 2,375 SH   DFND 2 2,375 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860   158,865 10,500 SH   DFND 2 10,500 0 0
FORTIVE CORP COMMON STOCK 34959J108   14,730 197 SH   DFND 2 197 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   62,474 769 SH   DFND 2 769 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   1,519,604 7,063 SH   DFND 2 7,063 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   257,269 2,342 SH   DFND 2 2,342 0 0
GENERAL MLS INC COMMON STOCK 370334104   216,294 2,820 SH   DFND 2 2,820 0 0
GENUINE PARTS CO COMMON STOCK 372460105   35,538 210 SH   DFND 2 210 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103   96,260 1,249 SH   DFND 2 1,249 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   132,241 410 SH   DFND 2 410 0 0
GRAINGER W W INC COMMON STOCK 384802104   59,144 75 SH   DFND 2 75 0 0
GREENLANE HOLDINGS INC CL A COMMON STOCK 395330301   11 11 SH   DFND 2 11 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108   7,042 200 SH   DFND 2 200 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100   27,005 746 SH   DFND 2 746 0 0
HOME DEPOT INC COMMON STOCK 437076102   3,643,497 11,729 SH   DFND 2 11,729 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,564,078 12,357 SH   DFND 2 12,357 0 0
IDACORP INC COMMON STOCK 451107106   23,803 232 SH   DFND 2 232 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   110,070 440 SH   DFND 2 440 0 0
INGERSOLL-RAND INC COMMON STOCK 45687V106   654 10 SH   DFND 2 10 0 0
INTEL CORP COMMON STOCK 458140100   347,709 10,398 SH   DFND 2 10,398 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,406,116 21,278 SH   DFND 2 21,278 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   63,035 792 SH   DFND 2 792 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   232,294 1,736 SH   DFND 2 1,736 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101   20,080 120 SH   DFND 2 120 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   71,928 605 SH   DFND 2 605 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   3,399,450 20,538 SH   DFND 2 20,538 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,438,202 23,640 SH   DFND 2 23,640 0 0
KELLOGG CO COMMON STOCK 487836108   6,740 100 SH   DFND 2 100 0 0
KEYCORP COMMON STOCK 493267108   7,503 812 SH   DFND 2 812 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   30,511 221 SH   DFND 2 221 0 0
KKR & CO INC CL A COMMON STOCK 48251W104   93,520 1,670 SH   DFND 2 1,670 0 0
KNIFE RIVER CORP COMMON STOCK 498894104   6,525 150 SH   DFND 2 150 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   2,663 75 SH   DFND 2 75 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R409   26,546 110 SH   DFND 2 110 0 0
LILLY ELI & CO COMMON STOCK 532457108   508,374 1,084 SH   DFND 2 1,084 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   192,439 418 SH   DFND 2 418 0 0
LOWES COS INC COMMON STOCK 548661107   1,222,617 5,417 SH   DFND 2 5,417 0 0
MANITOWOC CO INC COMMON STOCK 563571405   3,766 200 SH   DFND 2 200 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   12,858 70 SH   DFND 2 70 0 0
MASCO CORP COMMON STOCK 574599106   1,340,913 23,369 SH   DFND 2 23,369 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,526,004 3,880 SH   DFND 2 3,880 0 0
MCCORMICK & CO INC COMMON STOCK 579780206   98,657 1,131 SH   DFND 2 1,131 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,316,855 7,764 SH   DFND 2 7,764 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109   12,564 600 SH   DFND 2 600 0 0
MERCK & CO INC COMMON STOCK 58933Y105   598,066 5,183 SH   DFND 2 5,183 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,128,979 3,934 SH   DFND 2 3,934 0 0
METLIFE INC COMMON STOCK 59156R108   29,735 526 SH   DFND 2 526 0 0
MICROSOFT CORP COMMON STOCK 594918104   10,310,189 30,276 SH   DFND 2 30,276 0 0
MODERNA INC COMMON STOCK 60770K107   6,075 50 SH   DFND 2 50 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   12,619 173 SH   DFND 2 173 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109   54,568 950 SH   DFND 2 950 0 0
MORGAN STANLEY COMMON STOCK 617446448   609,841 7,141 SH   DFND 2 7,141 0 0
NBT BANCORP INC COM COMMON STOCK 628778102   11,625 365 SH   DFND 2 365 0 0
NETFLIX INC COMMON STOCK 64110L106   1,509,119 3,426 SH   DFND 2 3,426 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   576,757 7,773 SH   DFND 2 7,773 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   205,399 1,861 SH   DFND 2 1,861 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   60,091 265 SH   DFND 2 265 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102   37,376 82 SH   DFND 2 82 0 0
NOVAVAX INC COMMON STOCK 670002401   743 100 SH   DFND 2 100 0 0
NUCOR CORP COMMON STOCK 670346105   5,739 35 SH   DFND 2 35 0 0
NVIDIA CORP COMMON STOCK 67066G104   4,536,466 10,724 SH   DFND 2 10,724 0 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   2,940 50 SH   DFND 2 50 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   4,375,009 36,737 SH   DFND 2 36,737 0 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   5,519 62 SH   DFND 2 62 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   11,234 85 SH   DFND 2 85 0 0
PARKER HANNIFIN CORP COMMON STOCK 701094104   3,120 8 SH   DFND 2 8 0 0
PAYCHEX INC COMMON STOCK 704326107   1,442,676 12,896 SH   DFND 2 12,896 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   406,519 6,092 SH   DFND 2 6,092 0 0
PENN ENTERTAINMENT INC COMMON STOCK 707569109   36,886 1,535 SH   DFND 2 1,535 0 0
PEPSICO INC COMMON STOCK 713448108   1,502,690 8,113 SH   DFND 2 8,113 0 0
PFIZER INC COMMON STOCK 717081103   1,782,831 48,605 SH   DFND 2 48,605 0 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   431,578 4,421 SH   DFND 2 4,421 0 0
PHILLIPS 66 COMMON STOCK 718546104   13,639 143 SH   DFND 2 143 0 0
PLUG POWER INC COMMON STOCK 72919P202   4,156 400 SH   DFND 2 400 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,575,635 16,974 SH   DFND 2 16,974 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   30,877 350 SH   DFND 2 350 0 0
QUALCOMM INC COMMON STOCK 747525103   1,978,088 16,617 SH   DFND 2 16,617 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   188,279 1,922 SH   DFND 2 1,922 0 0
ROKU INC COMMON STOCK 77543R102   6,396 100 SH   DFND 2 100 0 0
ROPER TECHNOLOGIES INC COMMON STOCK 776696106   50,484 105 SH   DFND 2 105 0 0
ROSS STORES INC COMMON STOCK 778296103   27,920 249 SH   DFND 2 249 0 0
S&P GLOBAL INC COMMON STOCK 78409V104   44,098 110 SH   DFND 2 110 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,980,456 14,108 SH   DFND 2 14,108 0 0
SERVICENOW INC COMMON STOCK 81762P102   3,372 6 SH   DFND 2 6 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   157,719 594 SH   DFND 2 594 0 0
SIMON PROPERTY GROUP INC REIT COMMON STOCK 828806109   5,774 50 SH   DFND 2 50 0 0
SIRIUS XM HOLDINGS INC COMMON STOCK 82968B103   4,530 1,000 SH   DFND 2 1,000 0 0
SMITH A O CORPORATION COMMON STOCK 831865209   28,384 390 SH   DFND 2 390 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   27,398 390 SH   DFND 2 390 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   18,105 500 SH   DFND 2 500 0 0
STARBUCKS CORP COMMON STOCK 855244109   1,572,280 15,872 SH   DFND 2 15,872 0 0
STRYKER CORPORATION COMMON STOCK 863667101   2,625,299 8,605 SH   DFND 2 8,605 0 0
SYSCO CORP COMMON STOCK 871829107   902,495 12,163 SH   DFND 2 12,163 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   173,631 1,550 SH   DFND 2 1,550 0 0
T-MOBILE US INC COMMON STOCK 872590104   2,222 16 SH   DFND 2 16 0 0
TARGET CORP COMMON STOCK 87612E106   19,257 146 SH   DFND 2 146 0 0
TESLA INC COMMON STOCK 88160R101   132,979 508 SH   DFND 2 508 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   806,670 4,481 SH   DFND 2 4,481 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   2,559,184 4,905 SH   DFND 2 4,905 0 0
TJX COS INC COMMON STOCK 872540109   2,016,476 23,782 SH   DFND 2 23,782 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109   13,368 240 SH   DFND 2 240 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   1,528,555 8,802 SH   DFND 2 8,802 0 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   41,731 1,375 SH   DFND 2 1,375 0 0
TRUSTCO BANK CORP NY COMMON STOCK 898349204   1,230 43 SH   DFND 2 43 0 0
UBER TECHNOLOGIES INC COMMON STOCK 90353T100   4,835 112 SH   DFND 2 112 0 0
UNION PAC CORP COMMON STOCK 907818108   1,834,214 8,964 SH   DFND 2 8,964 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   152,363 850 SH   DFND 2 850 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,541,624 5,288 SH   DFND 2 5,288 0 0
US BANCORP NEW COMMON STOCK 902973304   736,230 22,283 SH   DFND 2 22,283 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   326,082 8,768 SH   DFND 2 8,768 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   7,038 20 SH   DFND 2 20 0 0
VIATRIS INC COMMON STOCK 92556V106   240 24 SH   DFND 2 24 0 0
VIRGIN GALACTIC HOLDINGS INC COMMON STOCK 92766K106   4,101 1,057 SH   DFND 2 1,057 0 0
VISA INC CL A COMMON STOCK 92826C839   3,187,932 13,424 SH   DFND 2 13,424 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   190,497 845 SH   DFND 2 845 0 0
WABTEC CORP COMMON STOCK 929740108   16,451 150 SH   DFND 2 150 0 0
WALMART INC COMMON STOCK 931142103   1,552,624 9,878 SH   DFND 2 9,878 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   138 11 SH   DFND 2 11 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   42,314 244 SH   DFND 2 244 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106   25,148 285 SH   DFND 2 285 0 0
WELLS FARGO & CO COMMON STOCK 949746101   219,247 5,137 SH   DFND 2 5,137 0 0
WENDY'S CO COMMON STOCK 95058W100   14,573 670 SH   DFND 2 670 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,527,867 46,824 SH   DFND 2 46,824 0 0
XYLEM INC COMMON STOCK 98419M100   8,221 73 SH   DFND 2 73 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   28,250 500 SH   DFND 2 500 0 0
YUM! BRANDS INC COMMON STOCK 988498101   1,614,385 11,652 SH   DFND 2 11,652 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   88,088 605 SH   DFND 2 605 0 0
3M CO COMMON STOCK 88579Y101   192,173 1,920 SH   DFND 2 1,920 0 0
BIONTECH SE SPONS ADR COMMON STOCK 09075V102   5,397 50 SH   DFND 2 50 0 0
BP PLC SPONS ADR COMMON STOCK 055622104   74,885 2,122 SH   DFND 2 2,122 0 0
RIO TINTO PLC SPONS ADR COMMON STOCK 767204100   38,304 600 SH   DFND 2 600 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   38,206 197 SH   DFND 2 197 0 0
LXP INDUSTRIAL TRUST REIT COMMON STOCK 529043101   14,625 1,500 SH   DFND 2 1,500 0 0
WEYERHAEUSER CO REIT COMMON STOCK 962166104   3,351 100 SH   DFND 2 100 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   30,866,564 1,532,600 SH   DFND 2 1,532,600 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   65,419 212 SH   DFND 2 212 0 0
BARRICK GOLD CORP COMMON STOCK 067901108   16,930 1,000 SH   DFND 2 1,000 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104   20,099 160 SH   DFND 2 160 0 0
EATON CORP PLC COMMON STOCK G29183103   28,154 140 SH   DFND 2 140 0 0
ENBRIDGE INCORPORATED COMMON STOCK 29250N105   66,870 1,800 SH   DFND 2 1,800 0 0
GLOBALFOUNDRIES INC COMMON STOCK G39387108   50,050 775 SH   DFND 2 775 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   852,733 9,286 SH   DFND 2 9,286 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106   4,463 236 SH   DFND 2 236 0 0
MEDTRONIC PLC COMMON STOCK G5960L103   65,811 747 SH   DFND 2 747 0 0
MIND MEDICINE MINDMED INC COMMON STOCK 60255C885   236 66 SH   DFND 2 66 0 0
RESTAURANT BRANDS INTERNATIONA COMMON STOCK 76131D103   16,744 216 SH   DFND 2 216 0 0
ROYAL BANK OF CANADA COMMON STOCK 780087102   9,551 100 SH   DFND 2 100 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   22,251 453 SH   DFND 2 453 0 0
SHOPIFY INC CL A COMMON STOCK 82509L107   23,256 360 SH   DFND 2 360 0 0
TORONTO DOMINION BANK COMMON STOCK 891160509   98,224 1,584 SH   DFND 2 1,584 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   14,318 220 SH   DFND 2 220 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   304,809 1,795 SH   DFND 2 1,795 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   96,421 1,300 SH   DFND 2 1,300 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   163,720 2,017 SH   DFND 2 2,017 0 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   487,345 14,457 SH   DFND 2 14,457 0 0
GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104   31,378 1,485 SH   DFND 2 1,485 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   466,148 3,512 SH   DFND 2 3,512 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   294,593 2,745 SH   DFND 2 2,745 0 0
INVESCO KBW HIGH DIVIDEND YIEL OTHER 46138E610   27,821 1,780 SH   DFND 2 1,780 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   21,567,478 58,382 SH   DFND 2 58,382 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   27,181,348 444,721 SH   DFND 2 444,721 0 0
ISHARES CORE MSCI EAFE ETF OTHER 46432F842   40,028 593 SH   DFND 2 593 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   45,405,479 173,648 SH   DFND 2 173,648 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   45,689,724 458,502 SH   DFND 2 458,502 0 0
ISHARES MSCI EAFE ETF OTHER 464287465   3,915 54 SH   DFND 2 54 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   222,595 3,048 SH   DFND 2 3,048 0 0
ISHARES SILVER TRUST OTHER 46428Q109   79,069 3,785 SH   DFND 2 3,785 0 0
ISHARES US REGIONAL BANKS ETF OTHER 464288778   24,880 735 SH   DFND 2 735 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   1,179,986 14,239 SH   DFND 2 14,239 0 0
REAL ESTATE SELECT SECTOR SPDR OTHER 81369Y860   5,013 133 SH   DFND 2 133 0 0
SPDR GOLD TRUST OTHER 78463V107   249,400 1,399 SH   DFND 2 1,399 0 0
SPDR PORTFOLIO S&P 500 GROWTH OTHER 78464A409   391,501 6,417 SH   DFND 2 6,417 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   28,969,186 670,583 SH   DFND 2 670,583 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   119,808 1,440 SH   DFND 2 1,440 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789   51,509 1,260 SH   DFND 2 1,260 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107   11,973 25 SH   DFND 2 25 0 0
SPDR S&P PHARMACEUTICALS ETF OTHER 78464A722   2,050 50 SH   DFND 2 50 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   5,936,406 13,392 SH   DFND 2 13,392 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   774,546 4,455 SH   DFND 2 4,455 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   767,611 11,730 SH   DFND 2 11,730 0 0
VANECK BIOTECH ETF OTHER 92189F726   39,013 250 SH   DFND 2 250 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   37,999 1,262 SH   DFND 2 1,262 0 0
VANECK SOCIAL SENTIMENT ETF OTHER 92189H839   28,735 1,750 SH   DFND 2 1,750 0 0
VANGUARD FTSE EMERGING MARKETS OTHER 922042858   5,044 124 SH   DFND 2 124 0 0
VANGUARD GROWTH ETF OTHER 922908736   157,326 556 SH   DFND 2 556 0 0
VANGUARD HEALTH CARE ETF OTHER 92204A504   12,731 52 SH   DFND 2 52 0 0
VANGUARD INFO TECH ETF OTHER 92204A702   45,985 104 SH   DFND 2 104 0 0
VANGUARD MID-CAP ETF OTHER 922908629   28,031,872 127,325 SH   DFND 2 127,325 0 0
VANGUARD REAL ESTATE ETF OTHER 922908553   190,935 2,285 SH   DFND 2 2,285 0 0
VANGUARD S&P 500 ETF OTHER 922908363   80,478,528 197,600 SH   DFND 2 197,600 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   12,695,944 63,834 SH   DFND 2 63,834 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   120,323 1,484 SH   DFND 2 1,484 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   4,291,679 43,815 SH   DFND 2 43,815 0 0
ISHARES ESG AWARE 1-5 YEAR USD OTHER 46435G243   458,594 19,180 SH   DFND 2 19,180 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   8,430,017 333,334 SH   DFND 2 333,334 0 0
ISHARES IBONDS DEC 2024 MUNI E OTHER 46435U697   257,652 10,002 SH   DFND 2 10,002 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   7,598,766 308,642 SH   DFND 2 308,642 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   7,246,589 297,235 SH   DFND 2 297,235 0 0
ISHARES IBONDS DEC 2026 MUNI E OTHER 46435U259   258,322 10,259 SH   DFND 2 10,259 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   7,393,918 315,037 SH   DFND 2 315,037 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   7,082,132 301,624 SH   DFND 2 301,624 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   6,983,088 285,024 SH   DFND 2 285,024 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   7,151,492 318,552 SH   DFND 2 318,552 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   7,063,925 333,204 SH   DFND 2 333,204 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   7,044,028 347,510 SH   DFND 2 347,510 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   6,486,755 263,475 SH   DFND 2 263,475 0 0
ISHARES IBONDS 2023 H/Y INC OTHER 46435U150   127,129 5,380 SH   DFND 2 5,380 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   16,118,633 698,381 SH   DFND 2 698,381 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   3,603,611 71,828 SH   DFND 2 71,828 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   9,359,369 123,703 SH   DFND 2 123,703 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   1,681,829 23,137 SH   DFND 2 23,137 0 0
ISHARES IBONDS DEC 2023 MUNI E OTHER 46435G318   258,876 10,156 SH   DFND 2 10,156 0 0
ISHARES IBONDS DEC 2025 MUNI E OTHER 46435U432   257,635 9,783 SH   DFND 2 9,783 0 0
ISHARES IBONDS DEC 2027 MUNI E OTHER 46435U283   258,846 10,327 SH   DFND 2 10,327 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   1,218,003 11,412 SH   DFND 2 11,412 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   4,404,815 82,704 SH   DFND 2 82,704 0 0
ABBOTT LABS COMMON STOCK 002824100   124,283 1,140 SH   OTR 2 0 1,140 0
ABBVIE INC COMMON STOCK 00287Y109   226,077 1,678 SH   OTR 2 0 1,678 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   16,860 200 SH   OTR 2 0 200 0
ADOBE INC COMMON STOCK 00724F101   119,803 245 SH   OTR 2 0 245 0
ALPHABET INC CL A COMMON STOCK 02079K305   703,477 5,877 SH   OTR 2 0 5,877 0
ALPHABET INC CL C COMMON STOCK 02079K107   126,414 1,045 SH   OTR 2 0 1,045 0
ALTRIA GROUP INC COMMON STOCK 02209S103   6,795 150 SH   OTR 2 0 150 0
AMAZON.COM INC COMMON STOCK 023135106   320,686 2,460 SH   OTR 2 0 2,460 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   226,460 1,300 SH   OTR 2 0 1,300 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   40,684 285 SH   OTR 2 0 285 0
AMGEN INC COMMON STOCK 031162100   55,505 250 SH   OTR 2 0 250 0
AMPHENOL CORP CL A COMMON STOCK 032095101   28,713 338 SH   OTR 2 0 338 0
APPLE INC COMMON STOCK 037833100   1,709,264 8,812 SH   OTR 2 0 8,812 0
AT&T INC COMMON STOCK 00206R102   46,399 2,909 SH   OTR 2 0 2,909 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   593,433 2,700 SH   OTR 2 0 2,700 0
BANK OF AMERICA CORP COMMON STOCK 060505104   144,483 5,036 SH   OTR 2 0 5,036 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   61,215 1,375 SH   OTR 2 0 1,375 0
BAXTER INTL INC COMMON STOCK 071813109   86,564 1,900 SH   OTR 2 0 1,900 0
BECTON DICKINSON COMMON STOCK 075887109   38,281 145 SH   OTR 2 0 145 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   390,786 1,146 SH   OTR 2 0 1,146 0
BLACKROCK INC CL A COMMON STOCK 09247X101   162,418 235 SH   OTR 2 0 235 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   152,009 2,377 SH   OTR 2 0 2,377 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108   18,914 200 SH   OTR 2 0 200 0
CARRIER GLOBAL CORP COMMON STOCK 14448C104   237,117 4,770 SH   OTR 2 0 4,770 0
CATERPILLAR INC COMMON STOCK 149123101   273,362 1,111 SH   OTR 2 0 1,111 0
CHEVRON CORPORATION COMMON STOCK 166764100   398,568 2,533 SH   OTR 2 0 2,533 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   83,043 1,605 SH   OTR 2 0 1,605 0
CLOROX COMPANY COMMON STOCK 189054109   15,904 100 SH   OTR 2 0 100 0
COCA COLA CO COMMON STOCK 191216100   114,177 1,896 SH   OTR 2 0 1,896 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   439,128 5,700 SH   OTR 2 0 5,700 0
COMCAST CORP-CL A COMMON STOCK 20030N101   12,465 300 SH   OTR 2 0 300 0
CONOCOPHILLIPS COMMON STOCK 20825C104   128,373 1,239 SH   OTR 2 0 1,239 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   167,615 681 SH   OTR 2 0 681 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   38,225 71 SH   OTR 2 0 71 0
CUMMINS INC COMMON STOCK 231021106   45,355 185 SH   OTR 2 0 185 0
CVS HEALTH CORP COMMON STOCK 126650100   26,961 390 SH   OTR 2 0 390 0
DANAHER CORP COMMON STOCK 235851102   50,160 209 SH   OTR 2 0 209 0
DISNEY WALT CO NEW COMMON STOCK 254687106   156,240 1,750 SH   OTR 2 0 1,750 0
DOLLAR TREE INC COMMON STOCK 256746108   25,113 175 SH   OTR 2 0 175 0
DOMINION ENERGY INC COMMON STOCK 25746U109   40,137 775 SH   OTR 2 0 775 0
DOW INC COMMON STOCK 260557103   1,758 33 SH   OTR 2 0 33 0
DTE ENERGY CO COMMON STOCK 233331107   31,356 285 SH   OTR 2 0 285 0
DUKE ENERGY CORP COMMON STOCK 26441C204   56,895 634 SH   OTR 2 0 634 0
ECOLAB INC COMMON STOCK 278865100   186,690 1,000 SH   OTR 2 0 1,000 0
EMBECTA CORP COMMON STOCK 29082K105   626 29 SH   OTR 2 0 29 0
EMERSON ELEC CO COMMON STOCK 291011104   283,463 3,136 SH   OTR 2 0 3,136 0
EOG RES INC COMMON STOCK 26875P101   4,005 35 SH   OTR 2 0 35 0
EXXON MOBIL CORP COMMON STOCK 30231G102   929,643 8,668 SH   OTR 2 0 8,668 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   43,030 200 SH   OTR 2 0 200 0
GILEAD SCIENCES INC COMMON STOCK 375558103   8,478 110 SH   OTR 2 0 110 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   8,064 25 SH   OTR 2 0 25 0
HOME DEPOT INC COMMON STOCK 437076102   506,033 1,629 SH   OTR 2 0 1,629 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   152,513 735 SH   OTR 2 0 735 0
INTEL CORP COMMON STOCK 458140100   97,177 2,906 SH   OTR 2 0 2,906 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   98,832 874 SH   OTR 2 0 874 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   537,916 4,020 SH   OTR 2 0 4,020 0
INTUIT INC COMMON STOCK 461202103   343,643 750 SH   OTR 2 0 750 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   61,228 515 SH   OTR 2 0 515 0
JOHNSON & JOHNSON COMMON STOCK 478160104   1,038,969 6,277 SH   OTR 2 0 6,277 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   1,013,426 6,968 SH   OTR 2 0 6,968 0
KELLOGG CO COMMON STOCK 487836108   60,660 900 SH   OTR 2 0 900 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,172 33 SH   OTR 2 0 33 0
LILLY ELI & CO COMMON STOCK 532457108   762,093 1,625 SH   OTR 2 0 1,625 0
LOWES COS INC COMMON STOCK 548661107   194,102 860 SH   OTR 2 0 860 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   3,857 21 SH   OTR 2 0 21 0
MASCO CORP COMMON STOCK 574599106   26,969 470 SH   OTR 2 0 470 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   35,397 90 SH   OTR 2 0 90 0
MCDONALDS CORP COMMON STOCK 580135101   129,808 435 SH   OTR 2 0 435 0
MERCK & CO INC COMMON STOCK 58933Y105   367,863 3,188 SH   OTR 2 0 3,188 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   103,026 359 SH   OTR 2 0 359 0
METLIFE INC COMMON STOCK 59156R108   13,285 235 SH   OTR 2 0 235 0
MICROSOFT CORP COMMON STOCK 594918104   2,181,159 6,405 SH   OTR 2 0 6,405 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   15,099 207 SH   OTR 2 0 207 0
MORGAN STANLEY COMMON STOCK 617446448   170,800 2,000 SH   OTR 2 0 2,000 0
NETFLIX INC COMMON STOCK 64110L106   103,515 235 SH   OTR 2 0 235 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   171,625 2,313 SH   OTR 2 0 2,313 0
NIKE INC-CLASS B COMMON STOCK 654106103   325,592 2,950 SH   OTR 2 0 2,950 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   137,870 608 SH   OTR 2 0 608 0
NVIDIA CORP COMMON STOCK 67066G104   634,530 1,500 SH   OTR 2 0 1,500 0
OCCIDENTAL PETE CORP COMMON STOCK 674599105   33,222 565 SH   OTR 2 0 565 0
ORACLE CORPORATION COMMON STOCK 68389X105   724,782 6,086 SH   OTR 2 0 6,086 0
ORGANON & CO COMMON STOCK 68622V106   354 17 SH   OTR 2 0 17 0
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   187,722 2,109 SH   OTR 2 0 2,109 0
PARAMOUNT GLOBAL CL B COMMON STOCK 92556H206   12,346 776 SH   OTR 2 0 776 0
PAYCHEX INC COMMON STOCK 704326107   130,329 1,165 SH   OTR 2 0 1,165 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   31,763 476 SH   OTR 2 0 476 0
PEPSICO INC COMMON STOCK 713448108   835,898 4,513 SH   OTR 2 0 4,513 0
PFIZER INC COMMON STOCK 717081103   416,501 11,355 SH   OTR 2 0 11,355 0
PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109   9,762 100 SH   OTR 2 0 100 0
PHILLIPS 66 COMMON STOCK 718546104   3,052 32 SH   OTR 2 0 32 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   754,755 4,974 SH   OTR 2 0 4,974 0
QUALCOMM INC COMMON STOCK 747525103   26,189 220 SH   OTR 2 0 220 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100   70,280 500 SH   OTR 2 0 500 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   552,201 5,637 SH   OTR 2 0 5,637 0
RUMBLE INC CL A COMMON STOCK 78137L105   8,920 1,000 SH   OTR 2 0 1,000 0
SALESFORCE INC COMMON STOCK 79466L302   191,613 907 SH   OTR 2 0 907 0
SOUTHERN COMPANY COMMON STOCK 842587107   42,150 600 SH   OTR 2 0 600 0
STARBUCKS CORP COMMON STOCK 855244109   202,380 2,043 SH   OTR 2 0 2,043 0
STRYKER CORPORATION COMMON STOCK 863667101   383,803 1,258 SH   OTR 2 0 1,258 0
SYSCO CORP COMMON STOCK 871829107   22,260 300 SH   OTR 2 0 300 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   160,189 1,430 SH   OTR 2 0 1,430 0
TESLA INC COMMON STOCK 88160R101   57,066 218 SH   OTR 2 0 218 0
THE CIGNA GROUP COMMON STOCK 125523100   12,346 44 SH   OTR 2 0 44 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   182,613 350 SH   OTR 2 0 350 0
TJX COS INC COMMON STOCK 872540109   177,635 2,095 SH   OTR 2 0 2,095 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   20,839 120 SH   OTR 2 0 120 0
TRUIST FINANCIAL CORP COMMON STOCK 89832Q109   3,035 100 SH   OTR 2 0 100 0
UNION PAC CORP COMMON STOCK 907818108   101,287 495 SH   OTR 2 0 495 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   119,381 666 SH   OTR 2 0 666 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   165,821 345 SH   OTR 2 0 345 0
US BANCORP NEW COMMON STOCK 902973304   99,946 3,025 SH   OTR 2 0 3,025 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   118,971 3,199 SH   OTR 2 0 3,199 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100   105,573 300 SH   OTR 2 0 300 0
VIATRIS INC COMMON STOCK 92556V106   10,838 1,086 SH   OTR 2 0 1,086 0
VISA INC CL A COMMON STOCK 92826C839   358,832 1,511 SH   OTR 2 0 1,511 0
WALMART INC COMMON STOCK 931142103   101,381 645 SH   OTR 2 0 645 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   4,351 347 SH   OTR 2 0 347 0
WELLS FARGO & CO COMMON STOCK 949746101   65,087 1,525 SH   OTR 2 0 1,525 0
WILLIAMS COS INC COMMON STOCK 969457100   58,897 1,805 SH   OTR 2 0 1,805 0
YUM! BRANDS INC COMMON STOCK 988498101   18,704 135 SH   OTR 2 0 135 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102   21,840 150 SH   OTR 2 0 150 0
3M CO COMMON STOCK 88579Y101   191,172 1,910 SH   OTR 2 0 1,910 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   32,970 170 SH   OTR 2 0 170 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   437,179 21,707 SH   OTR 2 0 21,707 0
EATON CORP PLC COMMON STOCK G29183103   100,550 500 SH   OTR 2 0 500 0
LINDE PLC COMMON STOCK G54950103   104,797 275 SH   OTR 2 0 275 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   11,938 130 SH   OTR 2 0 130 0
MEDTRONIC PLC COMMON STOCK G5960L103   52,860 600 SH   OTR 2 0 600 0
SCHLUMBERGER LTD COMMON STOCK 806857108   11,052 225 SH   OTR 2 0 225 0
TORONTO DOMINION BANK COMMON STOCK 891160509   129,229 2,084 SH   OTR 2 0 2,084 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   406,555 6,247 SH   OTR 2 0 6,247 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   589,750 3,473 SH   OTR 2 0 3,473 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   383,162 5,166 SH   OTR 2 0 5,166 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   234,094 2,884 SH   OTR 2 0 2,884 0
FINANCIAL SELECT SECTOR SPDR F OTHER 81369Y605   662,975 19,667 SH   OTR 2 0 19,667 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   772,489 5,820 SH   OTR 2 0 5,820 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   515,243 4,801 SH   OTR 2 0 4,801 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   96,419 261 SH   OTR 2 0 261 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   826,770 13,527 SH   OTR 2 0 13,527 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   286,582 1,096 SH   OTR 2 0 1,096 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   1,014,537 10,181 SH   OTR 2 0 10,181 0
ISHARES MSCI ALL COUNTRY ASIA OTHER 464288182   3,056 46 SH   OTR 2 0 46 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234   15,666 396 SH   OTR 2 0 396 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   12,123 166 SH   OTR 2 0 166 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   298,995 3,608 SH   OTR 2 0 3,608 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   106,747 2,471 SH   OTR 2 0 2,471 0
SPDR S&P BIOTECH ETF OTHER 78464A870   8,320 100 SH   OTR 2 0 100 0
SPDR S&P TELECOM ETF OTHER 78464A540   5,431 70 SH   OTR 2 0 70 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   150,715 340 SH   OTR 2 0 340 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   1,628,547 9,367 SH   OTR 2 0 9,367 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   162,357 2,481 SH   OTR 2 0 2,481 0
VANGUARD MID-CAP ETF OTHER 922908629   3,294,254 14,963 SH   OTR 2 0 14,963 0
VANGUARD REAL ESTATE ETF OTHER 922908553   181,743 2,175 SH   OTR 2 0 2,175 0
VANGUARD S&P 500 ETF OTHER 922908363   1,036,120 2,544 SH   OTR 2 0 2,544 0
VANGUARD SMALL-CAP ETF OTHER 922908751   1,354,640 6,811 SH   OTR 2 0 6,811 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   121,620 1,500 SH   OTR 2 0 1,500 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   465,263 4,750 SH   OTR 2 0 4,750 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   99,744 3,944 SH   OTR 2 0 3,944 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   216,114 8,778 SH   OTR 2 0 8,778 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   167,393 6,866 SH   OTR 2 0 6,866 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   166,754 7,105 SH   OTR 2 0 7,105 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   166,943 7,110 SH   OTR 2 0 7,110 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   166,576 6,799 SH   OTR 2 0 6,799 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   214,959 9,575 SH   OTR 2 0 9,575 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   216,113 10,194 SH   OTR 2 0 10,194 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   255,402 12,600 SH   OTR 2 0 12,600 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   157,322 6,390 SH   OTR 2 0 6,390 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   374,196 16,213 SH   OTR 2 0 16,213 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   124,973 2,491 SH   OTR 2 0 2,491 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   655,291 8,661 SH   OTR 2 0 8,661 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   120,084 1,652 SH   OTR 2 0 1,652 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414   45,360 425 SH   OTR 2 0 425 0
ABBOTT LABS COMMON STOCK 002824100   21,804 200 SH   OTR   0 200 0
ABBOTT LABS COMMON STOCK 002824100   97,682 896 SH   SOLE   896 0 0
ABBVIE INC COMMON STOCK 00287Y109   26,946 200 SH   OTR   0 200 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   69,126 820 SH   SOLE   820 0 0
ADOBE INC COMMON STOCK 00724F101   180,437 369 SH   SOLE   369 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   214,742 1,794 SH   SOLE   1,794 0 0
ALPHABET INC CL C COMMON STOCK 02079K107   97,381 805 SH   SOLE   805 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   20,385 450 SH   SOLE   450 0 0
AMAZON.COM INC COMMON STOCK 023135106   277,928 2,132 SH   SOLE   2,132 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   52,260 300 SH   OTR   0 300 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   10,452 60 SH   SOLE   60 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103   39,685 278 SH   SOLE   278 0 0
AMGEN INC COMMON STOCK 031162100   33,303 150 SH   OTR   0 150 0
AMGEN INC COMMON STOCK 031162100   23,090 104 SH   SOLE   104 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   51,395 605 SH   SOLE   605 0 0
ANALOG DEVICES INC COMMON STOCK 032654105   34,092 175 SH   OTR   0 175 0
ANALOG DEVICES INC COMMON STOCK 032654105   27,273 140 SH   SOLE   140 0 0
APPLE INC COMMON STOCK 037833100   81,467 420 SH   OTR   0 420 0
APPLE INC COMMON STOCK 037833100   1,387,855 7,155 SH   SOLE   7,155 0 0
AT&T INC COMMON STOCK 00206R102   4,785 300 SH   OTR   0 300 0
AT&T INC COMMON STOCK 00206R102   42,268 2,650 SH   SOLE   2,650 0 0
AUTODESK INC COMMON STOCK 052769106   20,461 100 SH   SOLE   100 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   51,870 236 SH   SOLE   236 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   70,721 2,465 SH   SOLE   2,465 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   153,450 450 SH   SOLE   450 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   116,112 168 SH   SOLE   168 0 0
BOOKING HOLDINGS INC COMMON STOCK 09857L108   8,101 3 SH   SOLE   3 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   15,988 250 SH   OTR   0 250 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108   125,790 1,967 SH   SOLE   1,967 0 0
CATERPILLAR INC COMMON STOCK 149123101   87,348 355 SH   SOLE   355 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   29,897 190 SH   OTR   0 190 0
CHEVRON CORPORATION COMMON STOCK 166764100   42,799 272 SH   SOLE   272 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   20,696 400 SH   OTR   0 400 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   145,596 2,814 SH   SOLE   2,814 0 0
CLOROX COMPANY COMMON STOCK 189054109   11,928 75 SH   SOLE   75 0 0
COCA COLA CO COMMON STOCK 191216100   120,741 2,005 SH   SOLE   2,005 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   15,408 200 SH   OTR   0 200 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103   15,408 200 SH   SOLE   200 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   58,022 560 SH   SOLE   560 0 0
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   47,995 195 SH   SOLE   195 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   132,441 246 SH   SOLE   246 0 0
CUMMINS INC COMMON STOCK 231021106   62,516 255 SH   SOLE   255 0 0
DANAHER CORP COMMON STOCK 235851102   24,240 101 SH   OTR   0 101 0
DANAHER CORP COMMON STOCK 235851102   85,920 358 SH   SOLE   358 0 0
DEERE & CO COMMON STOCK 244199105   24,311 60 SH   SOLE   60 0 0
DELL TECHNOLOGIES INC CL C COMMON STOCK 24703L202   1,786 33 SH   SOLE   33 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   17,856 200 SH   OTR   0 200 0
DISNEY WALT CO NEW COMMON STOCK 254687106   119,100 1,334 SH   SOLE   1,334 0 0
DOLLAR TREE INC COMMON STOCK 256746108   60,270 420 SH   SOLE   420 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   10,358 200 SH   OTR   0 200 0
DOMINION ENERGY INC COMMON STOCK 25746U109   15,174 293 SH   SOLE   293 0 0
DOW INC COMMON STOCK 260557103   3,515 66 SH   OTR   0 66 0
DOW INC COMMON STOCK 260557103   2,397 45 SH   SOLE   45 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   4,715 66 SH   OTR   0 66 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102   3,215 45 SH   SOLE   45 0 0
EASTMAN CHEMICAL CO COMMON STOCK 277432100   22,270 266 SH   SOLE   266 0 0
ECOLAB INC COMMON STOCK 278865100   5,601 30 SH   SOLE   30 0 0
ELEVANCE HEALTH INC COMMON STOCK 036752103   19,993 45 SH   SOLE   45 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   23,595 220 SH   OTR   0 220 0
EXXON MOBIL CORP COMMON STOCK 30231G102   137,387 1,281 SH   SOLE   1,281 0 0
FEDEX CORPORATION COMMON STOCK 31428X106   22,311 90 SH   SOLE   90 0 0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK 36266G107   18,279 225 SH   SOLE   225 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108   76,378 355 SH   SOLE   355 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604301   74,149 675 SH   SOLE   675 0 0
GENERAL MLS INC COMMON STOCK 370334104   7,670 100 SH   OTR   0 100 0
GENERAL MLS INC COMMON STOCK 370334104   23,010 300 SH   SOLE   300 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   25,803 80 SH   SOLE   80 0 0
HOME DEPOT INC COMMON STOCK 437076102   31,064 100 SH   OTR   0 100 0
HOME DEPOT INC COMMON STOCK 437076102   196,014 631 SH   SOLE   631 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   137,573 663 SH   SOLE   663 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109   27,017 108 SH   SOLE   108 0 0
INTEL CORP COMMON STOCK 458140100   13,376 400 SH   OTR   0 400 0
INTEL CORP COMMON STOCK 458140100   22,338 668 SH   SOLE   668 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   114,550 1,013 SH   SOLE   1,013 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101   2,626 33 SH   SOLE   33 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   13,381 100 SH   OTR   0 100 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101   23,149 173 SH   SOLE   173 0 0
JACOBS SOLUTIONS INC COMMON STOCK 46982L108   4,756 40 SH   SOLE   40 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   24,828 150 SH   OTR   0 150 0
JOHNSON & JOHNSON COMMON STOCK 478160104   168,003 1,015 SH   SOLE   1,015 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   187,763 1,291 SH   SOLE   1,291 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103   6,903 50 SH   SOLE   50 0 0
KINDER MORGAN INC COMMON STOCK 49456B101   861 50 SH   SOLE   50 0 0
KRAFT HEINZ CO COMMON STOCK 500754106   1,775 50 SH   SOLE   50 0 0
KYNDRYL HOLDINGS INC COMMON STOCK 50155Q100   266 20 SH   OTR   0 20 0
LILLY ELI & CO COMMON STOCK 532457108   16,414 35 SH   SOLE   35 0 0
LOWES COS INC COMMON STOCK 548661107   46,043 204 SH   SOLE   204 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   8,817 48 SH   OTR   0 48 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202   13,777 75 SH   SOLE   75 0 0
MASCO CORP COMMON STOCK 574599106   69,372 1,209 SH   SOLE   1,209 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   113,664 289 SH   SOLE   289 0 0
MCDONALDS CORP COMMON STOCK 580135101   29,841 100 SH   OTR   0 100 0
MCDONALDS CORP COMMON STOCK 580135101   113,097 379 SH   SOLE   379 0 0
MERCK & CO INC COMMON STOCK 58933Y105   81,350 705 SH   SOLE   705 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   75,476 263 SH   SOLE   263 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   30,013 335 SH   SOLE   335 0 0
MICROSOFT CORP COMMON STOCK 594918104   136,216 400 SH   OTR   0 400 0
MICROSOFT CORP COMMON STOCK 594918104   499,913 1,468 SH   SOLE   1,468 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   21,882 300 SH   SOLE   300 0 0
MORGAN STANLEY COMMON STOCK 617446448   8,540 100 SH   SOLE   100 0 0
NASDAQ INC COMMON STOCK 631103108   12,463 250 SH   SOLE   250 0 0
NETFLIX INC COMMON STOCK 64110L106   128,183 291 SH   SOLE   291 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   26,712 360 SH   SOLE   360 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   28,807 261 SH   SOLE   261 0 0
NVIDIA CORP COMMON STOCK 67066G104   233,507 552 SH   SOLE   552 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   35,727 300 SH   OTR   0 300 0
ORACLE CORPORATION COMMON STOCK 68389X105   224,604 1,886 SH   SOLE   1,886 0 0
PAYCHEX INC COMMON STOCK 704326107   90,391 808 SH   SOLE   808 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   29,361 440 SH   SOLE   440 0 0
PEPSICO INC COMMON STOCK 713448108   27,783 150 SH   OTR   0 150 0
PEPSICO INC COMMON STOCK 713448108   28,709 155 SH   SOLE   155 0 0
PFIZER INC COMMON STOCK 717081103   101,567 2,769 SH   SOLE   2,769 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   22,761 150 SH   OTR   0 150 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   122,606 808 SH   SOLE   808 0 0
PRUDENTIAL FINL INC COMMON STOCK 744320102   11,028 125 SH   SOLE   125 0 0
QUALCOMM INC COMMON STOCK 747525103   100,232 842 SH   SOLE   842 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   24,000 245 SH   SOLE   245 0 0
SALESFORCE INC COMMON STOCK 79466L302   185,486 878 SH   SOLE   878 0 0
SOUTHWEST AIRLINES CO COMMON STOCK 844741108   3,621 100 SH   SOLE   100 0 0
STARBUCKS CORP COMMON STOCK 855244109   72,215 729 SH   SOLE   729 0 0
STRYKER CORPORATION COMMON STOCK 863667101   177,867 583 SH   SOLE   583 0 0
SYSCO CORP COMMON STOCK 871829107   35,097 473 SH   SOLE   473 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   28,005 250 SH   OTR   0 250 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108   10,306 92 SH   SOLE   92 0 0
TESLA INC COMMON STOCK 88160R101   13,089 50 SH   SOLE   50 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   9,001 50 SH   SOLE   50 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   115,829 222 SH   SOLE   222 0 0
TJX COS INC COMMON STOCK 872540109   33,916 400 SH   OTR   0 400 0
TJX COS INC COMMON STOCK 872540109   84,536 997 SH   SOLE   997 0 0
TRAVELERS COMPANIES INC COMMON STOCK 89417E109   65,643 378 SH   SOLE   378 0 0
UNION PAC CORP COMMON STOCK 907818108   109,062 533 SH   SOLE   533 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   10,934 61 SH   SOLE   61 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   109,105 227 SH   SOLE   227 0 0
US BANCORP NEW COMMON STOCK 902973304   45,959 1,391 SH   SOLE   1,391 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   63,744 1,714 SH   SOLE   1,714 0 0
VISA INC CL A COMMON STOCK 92826C839   16,624 70 SH   OTR   0 70 0
VISA INC CL A COMMON STOCK 92826C839   215,869 909 SH   SOLE   909 0 0
VMWARE INC CL A COMMON STOCK 928563402   2,012 14 SH   SOLE   14 0 0
WALMART INC COMMON STOCK 931142103   58,314 371 SH   SOLE   371 0 0
WARNER BROS DISCOVERY INC CL A COMMON STOCK 934423104   903 72 SH   OTR   0 72 0
WELLS FARGO & CO COMMON STOCK 949746101   25,608 600 SH   OTR   0 600 0
WELLS FARGO & CO COMMON STOCK 949746101   3,201 75 SH   SOLE   75 0 0
WILLIAMS COS INC COMMON STOCK 969457100   91,756 2,812 SH   SOLE   2,812 0 0
YUM! BRANDS INC COMMON STOCK 988498101   69,968 505 SH   SOLE   505 0 0
VODAFONE GROUP SPONS ADR COMMON STOCK 92857W308   170 18 SH   SOLE   18 0 0
CROWN CASTLE INC REIT COMMON STOCK 22822V101   8,546 75 SH   SOLE   75 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102   388,964 19,313 SH   SOLE   19,313 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101   16,972 55 SH   SOLE   55 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   40,313 439 SH   SOLE   439 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108   30,700 625 SH   SOLE   625 0 0
COMM. SERV. SELECT SECTOR SPDR OTHER 81369Y852   45,556 700 SH   SOLE   700 0 0
CONS DISC SELECT SECTOR SPDR F OTHER 81369Y407   84,905 500 SH   SOLE   500 0 0
CONS STAPLES SELECT SECT SPDR OTHER 81369Y308   34,860 470 SH   SOLE   470 0 0
ENERGY SELECT SECTOR SPDR FUND OTHER 81369Y506   27,922 344 SH   SOLE   344 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209   106,184 800 SH   SOLE   800 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704   70,831 660 SH   SOLE   660 0 0
INVESCO QQQ TRUST SERIES 1 OTHER 46090E103   2,158,890 5,844 SH   SOLE   5,844 0 0
ISHARES CORE MSCI DEV MKTS ETF OTHER 46435G326   1,779,753 29,119 SH   SOLE   29,119 0 0
ISHARES CORE S&P MID-CAP ETF OTHER 464287507   3,731,058 14,269 SH   SOLE   14,269 0 0
ISHARES CORE S&P SMALL-CAP ETF OTHER 464287804   3,839,315 38,528 SH   SOLE   38,528 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200   5,794 13 SH   SOLE   13 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499   133,718 1,831 SH   SOLE   1,831 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655   64,234 343 SH   SOLE   343 0 0
ISHARES SILVER TRUST OTHER 46428Q109   4,805 230 SH   SOLE   230 0 0
MATERIALS SELECT SECTOR SPDR F OTHER 81369Y100   104,168 1,257 SH   SOLE   1,257 0 0
NUVEEN ESG SMALL-CAP ETF OTHER 67092P607   57,519 1,555 SH   SOLE   1,555 0 0
SPDR GOLD TRUST OTHER 78463V107   71,843 403 SH   SOLE   403 0 0
SPDR PORTFOLIO S&P 500 VALUE E OTHER 78464A508   2,086,344 48,295 SH   SOLE   48,295 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870   3,328 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103   73,141 165 SH   SOLE   165 0 0
TECHNOLOGY SELECT SECTOR SPDR OTHER 81369Y803   173,860 1,000 SH   SOLE   1,000 0 0
UTILITIES SELECT SECTOR SPDR F OTHER 81369Y886   60,794 929 SH   SOLE   929 0 0
VANECK GOLD MINERS ETF OTHER 92189F106   4,577 152 SH   SOLE   152 0 0
VANGUARD MID-CAP ETF OTHER 922908629   97,531 443 SH   OTR   0 443 0
VANGUARD MID-CAP ETF OTHER 922908629   1,162,445 5,280 SH   SOLE   5,280 0 0
VANGUARD S&P 500 ETF OTHER 922908363   8,554,102 21,003 SH   SOLE   21,003 0 0
VANGUARD SMALL-CAP ETF OTHER 922908751   31,425 158 SH   OTR   0 158 0
VANGUARD SMALL-CAP ETF OTHER 922908751   450,088 2,263 SH   SOLE   2,263 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457   19,621 242 SH   SOLE   242 0 0
ISHARES CORE U.S. AGGREGATE OTHER 464287226   26,936 275 SH   SOLE   275 0 0
ISHARES IBONDS DEC 2023 TERM C OTHER 46434VAX8   772,180 30,533 SH   SOLE   30,533 0 0
ISHARES IBONDS DEC 2024 TERM C OTHER 46434VBG4   787,077 31,969 SH   SOLE   31,969 0 0
ISHARES IBONDS DEC 2025 TERM C OTHER 46434VBD1   799,006 32,773 SH   SOLE   32,773 0 0
ISHARES IBONDS DEC 2026 TERM C OTHER 46435GAA0   802,439 34,190 SH   SOLE   34,190 0 0
ISHARES IBONDS DEC 2027 TERM C OTHER 46435UAA9   848,825 36,151 SH   SOLE   36,151 0 0
ISHARES IBONDS DEC 2028 TERM C OTHER 46435U515   846,818 34,564 SH   SOLE   34,564 0 0
ISHARES IBONDS DEC 2029 TERM C OTHER 46436E205   847,847 37,766 SH   SOLE   37,766 0 0
ISHARES IBONDS DEC 2030 TERM C OTHER 46436E726   740,431 34,926 SH   SOLE   34,926 0 0
ISHARES IBONDS DEC 2031 TERM C OTHER 46436E486   804,010 39,665 SH   SOLE   39,665 0 0
ISHARES IBONDS DEC 2032 TC ETF OTHER 46436E312   654,621 26,589 SH   SOLE   26,589 0 0
ISHARES IBONDS 2024 H/Y INC OTHER 46435U184   1,330,193 57,634 SH   SOLE   57,634 0 0
ISHARES 1-5Y INV GRADE CORP ET OTHER 464288646   28,095 560 SH   SOLE   560 0 0
ISHARES 20 PLUS YEAR TREASURY BOND OTHER 464287432   33,764 328 SH   SOLE   328 0 0
VANGUARD SHORT TERM CORP BOND OTHER 92206C409   366,497 4,844 SH   SOLE   4,844 0 0
VANGUARD TOTAL BOND MARKET ETF OTHER 921937835   17,809 245 SH   SOLE   245 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323   50,650 951 SH   SOLE   951 0 0
ABBOTT LABS COMMON STOCK 002824100   2,180,400 20,000 SH   DFND 3 20,000 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   1,475,250 17,500 SH   DFND 3 17,500 0 0
ADOBE INC COMMON STOCK 00724F101   3,325,132 6,800 SH   DFND 3 6,800 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   808,731 2,700 SH   DFND 3 2,700 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   3,806,460 31,800 SH   DFND 3 31,800 0 0
AMAZON.COM INC COMMON STOCK 023135106   4,314,916 33,100 SH   DFND 3 33,100 0 0
AMGEN INC COMMON STOCK 031162100   2,264,604 10,200 SH   DFND 3 10,200 0 0
AMPHENOL CORP CL A COMMON STOCK 032095101   2,973,250 35,000 SH   DFND 3 35,000 0 0
APPLE INC COMMON STOCK 037833100   11,153,275 57,500 SH   DFND 3 57,500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   1,993,955 69,500 SH   DFND 3 69,500 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702   2,028,950 5,950 SH   DFND 3 5,950 0 0
BLACKROCK INC CL A COMMON STOCK 09247X101   2,315,319 3,350 SH   DFND 3 3,350 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   743,716 6,800 SH   DFND 3 6,800 0 0
CATERPILLAR INC COMMON STOCK 149123101   1,550,115 6,300 SH   DFND 3 6,300 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   1,038,510 6,600 SH   DFND 3 6,600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,591,005 30,750 SH   DFND 3 30,750 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   1,117,139 2,075 SH   DFND 3 2,075 0 0
DANAHER CORP COMMON STOCK 235851102   1,200,000 5,000 SH   DFND 3 5,000 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106   1,156,176 12,950 SH   DFND 3 12,950 0 0
DOLLAR TREE INC COMMON STOCK 256746108   588,350 4,100 SH   DFND 3 4,100 0 0
DOMINION ENERGY INC COMMON STOCK 25746U109   414,320 8,000 SH   DFND 3 8,000 0 0
ECOLAB INC COMMON STOCK 278865100   728,091 3,900 SH   DFND 3 3,900 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   879,450 8,200 SH   DFND 3 8,200 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104   838,604 2,600 SH   DFND 3 2,600 0 0
HOME DEPOT INC COMMON STOCK 437076102   2,857,888 9,200 SH   DFND 3 9,200 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106   2,075,000 10,000 SH   DFND 3 10,000 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104   2,374,680 21,000 SH   DFND 3 21,000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   2,731,080 16,500 SH   DFND 3 16,500 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100   3,156,048 21,700 SH   DFND 3 21,700 0 0
LILLY ELI & CO COMMON STOCK 532457108   281,388 600 SH   DFND 3 600 0 0
MASCO CORP COMMON STOCK 574599106   1,893,540 33,000 SH   DFND 3 33,000 0 0
MCDONALDS CORP COMMON STOCK 580135101   775,866 2,600 SH   DFND 3 2,600 0 0
META PLATFORMS INC CL A COMMON STOCK 30303M102   1,578,390 5,500 SH   DFND 3 5,500 0 0
MICROSOFT CORP COMMON STOCK 594918104   10,216,200 30,000 SH   DFND 3 30,000 0 0
MORGAN STANLEY COMMON STOCK 617446448   965,020 11,300 SH   DFND 3 11,300 0 0
NETFLIX INC COMMON STOCK 64110L106   1,321,470 3,000 SH   DFND 3 3,000 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101   408,100 5,500 SH   DFND 3 5,500 0 0
NIKE INC-CLASS B COMMON STOCK 654106103   938,145 8,500 SH   DFND 3 8,500 0 0
NVIDIA CORP COMMON STOCK 67066G104   2,804,623 6,630 SH   DFND 3 6,630 0 0
ORACLE CORPORATION COMMON STOCK 68389X105   2,262,710 19,000 SH   DFND 3 19,000 0 0
PEPSICO INC COMMON STOCK 713448108   2,444,904 13,200 SH   DFND 3 13,200 0 0
PFIZER INC COMMON STOCK 717081103   1,632,260 44,500 SH   DFND 3 44,500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   2,336,796 15,400 SH   DFND 3 15,400 0 0
QUALCOMM INC COMMON STOCK 747525103   1,636,800 13,750 SH   DFND 3 13,750 0 0
SALESFORCE INC COMMON STOCK 79466L302   2,323,860 11,000 SH   DFND 3 11,000 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   730,180 2,750 SH   DFND 3 2,750 0 0
SOUTHERN COMPANY COMMON STOCK 842587107   642,788 9,150 SH   DFND 3 9,150 0 0
STRYKER CORPORATION COMMON STOCK 863667101   1,983,085 6,500 SH   DFND 3 6,500 0 0
SYSCO CORP COMMON STOCK 871829107   556,500 7,500 SH   DFND 3 7,500 0 0
THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102   3,039,194 5,825 SH   DFND 3 5,825 0 0
TJX COS INC COMMON STOCK 872540109   1,954,410 23,050 SH   DFND 3 23,050 0 0
UNION PAC CORP COMMON STOCK 907818108   1,084,486 5,300 SH   DFND 3 5,300 0 0
UNITED PARCEL SERVICE CL B COMMON STOCK 911312106   1,021,725 5,700 SH   DFND 3 5,700 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102   2,931,904 6,100 SH   DFND 3 6,100 0 0
VISA INC CL A COMMON STOCK 92826C839   3,562,200 15,000 SH   DFND 3 15,000 0 0
VULCAN MATERIALS CO COMMON STOCK 929160109   247,984 1,100 SH   DFND 3 1,100 0 0
WALMART INC COMMON STOCK 931142103   2,436,290 15,500 SH   DFND 3 15,500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109   3,121,560 18,000 SH   DFND 3 18,000 0 0
WILLIAMS COS INC COMMON STOCK 969457100   1,122,472 34,400 SH   DFND 3 34,400 0 0
AMERICAN TOWER CORP REIT COMMON STOCK 03027X100   455,759 2,350 SH   DFND 3 2,350 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103   1,252,570 11,000 SH   DFND 3 11,000 0 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109   554,572 1,900 SH   DFND 3 1,900 0 0
LYONDELLBASELL INDUSTRIES NV COMMON STOCK N53745100   183,660 2,000 SH   DFND 3 2,000 0 0