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
ACCENTURE PLC INFORMATION TECHNOLOGY G1151C101 319 3,920 SH   SOLE   3,920 0 0
EATON CORP PLC INDUSTRIALS G29183103 9 144 SH   SOLE   144 0 0
WEATHERFORD INTERNATIONAL OLC ENERGY G48833100 67 3,224 SH   SOLE   3,224 0 0
MICHAEL KORS HOLDINGS LIMITED CONSUMER DISCRETIONARY G60754101 6 80 SH   SOLE   80 0 0
NABORS INDUSTRIES, LTD ENERGY G6359F103 3 125 SH   SOLE   125 0 0
ACE LIMITED FINANCIALS H0023R105 39 370 SH   SOLE   370 0 0
TRANSOCEAN LTD ENERGY H8817H100 7 230 SH   SOLE   230 0 0
AFLAC INC. FINANCIALS 001055102 102 1,755 SH   SOLE   1,755 0 0
AFLAC INC. FINANCIALS 001055102 29 500 SH   DFND   300 200 0
AT&T INC. TELECOM. SERVICES 00206R102 1,889 53,613 SH   SOLE   53,553 0 60
AT&T INC. TELECOM. SERVICES 00206R102 457 12,964 SH   DFND   5,536 7,428 0
ABBOTT LABS HEALTHCARE 002824100 234 5,637 SH   SOLE   5,637 0 0
ABBOTT LABS HEALTHCARE 002824100 134 3,225 SH   DFND   1,250 1,975 0
ABBVIE INC. HEALTHCARE 00287Y109 347 6,002 SH   SOLE   6,002 0 0
ABBVIE INC. HEALTHCARE 00287Y109 186 3,225 SH   DFND   1,250 1,975 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 6 300 SH   SOLE   300 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 10 150 SH   SOLE   150 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 0 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 212 2,613 SH   SOLE   2,613 0 0
ALCOA INC MATERIALS 013817101 19 1,180 SH   SOLE   1,180 0 0
ALCATEL - LUCENT TELECOM. SERVICES 013904305 1 488 SH   SOLE   488 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 1 20 SH   SOLE   20 0 0
ALLERGAN, INC. HEALTHCARE 018490102 61 340 SH   SOLE   340 0 0
ALLSTATE CORP FINANCIALS 020002101 18 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 114 2,493 SH   SOLE   2,493 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 719 2,230 SH   SOLE   2,230 0 0
AMERICAN EXPRESS FINANCIALS 025816109 629 7,184 SH   SOLE   7,147 0 37
AMERICAN EXPRESS FINANCIALS 025816109 29 335 SH   DFND   235 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 6 110 SH   SOLE   110 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 298 3,188 SH   SOLE   3,188 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 144 1,025 SH   SOLE   1,025 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 13 130 SH   SOLE   130 0 0
ANALOG DEVICES INC INFORMATION TECHNOLOGY 032654105 14 290 SH   SOLE   290 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 11 100 SH   SOLE   100 0 0
APACHE CORP ENERGY 037411105 14 150 SH   SOLE   150 0 0
APPOLO GLOBAL MANAGEMENT LLC FINANCIALS 037612306 32 1,325 SH   SOLE   1,325 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 2,298 22,807 SH   SOLE   22,807 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 92 910 SH   DFND   560 350 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 76 3,495 SH   SOLE   3,495 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 6 300 SH   DFND   0 300 0
AQUA AMERICA INC UTILITIES 03836W103 581 24,709 SH   SOLE   24,709 0 0
AQUA AMERICA INC UTILITIES 03836W103 21 875 SH   DFND   0 875 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102 2 48 SH   SOLE   48 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 57 2,268 SH   SOLE   2,268 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 56 425 SH   SOLE   425 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106 11 200 SH   SOLE   200 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 893 10,743 SH   SOLE   10,743 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 229 2,760 SH   DFND   1,460 1,300 0
BP P.L.C. ENERGY 055622104 32 732 SH   SOLE   732 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 9 100 SH   SOLE   100 0 0
BAKER HUGHES INC ENERGY 057224107 22 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 7 118 SH   SOLE   118 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 91 5,336 SH   SOLE   5,277 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 12 678 SH   DFND   0 678 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 51 1,325 SH   SOLE   1,325 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN EXCHANGE TRADED FUNDS 06738C786 10 450 SH   SOLE   450 0 0
BARRICK GOLD CORP MATERIALS 067901108 26 1,740 SH   SOLE   1,740 0 0
BARRICK GOLD CORP MATERIALS 067901108 10 685 SH   DFND   0 685 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 65 900 SH   DFND   900 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 332 2,920 SH   SOLE   2,905 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 144 1,265 SH   DFND   530 735 0
BED BATH & BEYOND CONSUMER DISCRETIONARY 075896100 27 410 SH   SOLE   410 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 667 4,832 SH   SOLE   4,832 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 12 85 SH   DFND   0 85 0
BIOGEN IDEC INC COM HEALTHCARE 09062X103 17 50 SH   SOLE   50 0 0
BLACKROCK INC FINANCIALS 09247X101 25 75 SH   SOLE   75 0 0
BLACKROCK NEW YORK MUNICIPAL INCOME TRUST MUTUAL FUNDS-NON TAX 09248L106 28 2,000 SH   SOLE   2,000 0 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 56 1,785 SH   SOLE   1,785 0 0
BOEING INDUSTRIALS 097023105 383 3,009 SH   SOLE   2,984 0 25
BOEING INDUSTRIALS 097023105 127 1,000 SH   DFND   500 500 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,410 27,548 SH   SOLE   27,548 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 400 7,815 SH   DFND   4,525 3,290 0
BROADRIDGE FINANCIAL SOLUTIONS LLC FINANCIALS 11133T103 5 112 SH   SOLE   112 0 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 102 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 5 100 SH   SOLE   100 0 0
CF INDUSTRIES HOLDINGS INC INDUSTRIALS 125269100 5 19 SH   SOLE   19 0 0
CSX CORPORATION INDUSTRIALS 126408103 224 7,000 SH   SOLE   7,000 0 0
CSX CORPORATION INDUSTRIALS 126408103 67 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 1,030 12,938 SH   SOLE   12,938 0 0
CALUMET SPECIALTY PRODUCTS ENERGY 131476103 18 650 SH   SOLE   650 0 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 92 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 62 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 34 420 SH   SOLE   420 0 0
CARDINAL HEALTH INC HEALTHCARE 14149Y108 6 75 SH   SOLE   75 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,336 13,487 SH   SOLE   13,462 0 25
CATERPILLAR INC INDUSTRIALS 149123101 260 2,625 SH   DFND   1,985 640 0
CELGENE CORP HEALTHCARE 151020104 313 3,300 SH   SOLE   3,300 0 0
CENOVUS ENERGY INC. ENERGY 15135U109 20 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 34 1,400 SH   SOLE   1,400 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 171 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 15 361 SH   SOLE   361 0 0
THE CHEESECAKE FACTORY CONSUMER DISCRETIONARY 163072101 14 317 SH   SOLE   317 0 0
CHEVRON CORPORATION ENERGY 166764100 1,562 13,087 SH   SOLE   13,087 0 0
CHEVRON CORPORATION ENERGY 166764100 302 2,533 SH   DFND   1,595 938 0
CHUBB CORP FINANCIALS 171232101 6 68 SH   SOLE   68 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 861 34,211 SH   SOLE   34,146 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 82 3,275 SH   DFND   0 3,275 0
CITIGROUP INC. FINANCIALS 172967424 25 484 SH   SOLE   484 0 0
CLAYMORE CHINA SMALL CAP INDEX ETF EXCHANGE TRADED FUNDS 18383Q853 5 175 SH   SOLE   175 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 10 100 SH   SOLE   100 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 19 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 2 175 SH   SOLE   175 0 0
CLOVIS ONCOLOGY INC HEALTHCARE 189464100 9 205 SH   SOLE   205 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 69 1,945 SH   SOLE   1,945 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,278 29,967 SH   SOLE   29,967 0 0
COCA COLA CO CONSUMER STAPLES 191216100 364 8,530 SH   DFND   4,080 4,450 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 38 845 SH   SOLE   845 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 1,110 17,024 SH   SOLE   17,024 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 181 2,770 SH   DFND   2,500 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 69 1,291 SH   SOLE   1,291 0 0
COMPANHIA SIDERURGICA NACIONAL S.A.- ADR FOREIGN EQUITIES 20440W105 2 700 SH   SOLE   700 0 0
CONOCOPHILLIPS ENERGY 20825C104 1,605 20,979 SH   SOLE   20,979 0 0
CONOCOPHILLIPS ENERGY 20825C104 239 3,125 SH   DFND   2,360 765 0
CONSOLIDATED EDISON INC UTILITIES 209115104 118 2,081 SH   SOLE   2,081 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 107 5,545 SH   SOLE   5,475 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 42 339 SH   SOLE   339 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 8 75 SH   SOLE   75 0 0
CUMMINS INC INDUSTRIALS 231021106 464 3,517 SH   SOLE   3,517 0 0
CUMMINS INC INDUSTRIALS 231021106 22 165 SH   DFND   110 55 0
DNP SELECT INCOME FUND INC MUTUAL FUNDS-TAXABLE 23325P104 25 2,500 SH   SOLE   2,500 0 0
DTE ENERGY CO UTILITIES 233331107 18 240 SH   SOLE   240 0 0
DANAHER CORP INDUSTRIALS 235851102 246 3,244 SH   SOLE   3,244 0 0
DANAHER CORP INDUSTRIALS 235851102 56 735 SH   DFND   460 275 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 326 3,980 SH   SOLE   3,980 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 25 300 SH   DFND   0 300 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 5 130 SH   SOLE   130 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 22 485 SH   SOLE   485 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 18 400 SH   DFND   0 400 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 27 236 SH   SOLE   236 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,461 16,416 SH   SOLE   16,391 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 161 1,811 SH   DFND   0 1,811 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 17 265 SH   SOLE   265 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 9 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 96 1,390 SH   SOLE   1,390 0 0
DOMINION RESOURCES UTILITIES 25746U109 44 635 SH   DFND   635 0 0
DOW CHEMICAL MATERIALS 260543103 39 738 SH   SOLE   738 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 188 2,620 SH   SOLE   2,620 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 100 1,400 SH   DFND   0 1,400 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 26 344 SH   SOLE   344 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 14 117 SH   SOLE   117 0 0
EMC CORP INFORMATION TECHNOLOGY 268648102 196 6,716 SH   SOLE   6,716 0 0
EOG RESOURCES INC ENERGY 26875P101 13 130 SH   SOLE   130 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 25 440 SH   SOLE   440 0 0
ECOLAB INC. MATERIALS 278865100 30 260 SH   SOLE   260 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 295 4,709 SH   SOLE   4,709 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 311 4,975 SH   DFND   1,450 3,525 0
ENCANA CORP FOREIGN EQUITIES 292505104 17 816 SH   SOLE   816 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 63 991 SH   SOLE   991 0 0
ENGILITY HOLDINGS INC INDUSTRIALS 29285W104 1 42 SH   DFND   0 42 0
ENTERGY CORPORATION UTILITIES 29364G103 15 200 SH   SOLE   200 0 0
ENTERGY CORPORATION UTILITIES 29364G103 101 1,300 SH   DFND   800 500 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 15 755 SH   DFND   655 0 100
EXELON CORP UTILITIES 30161N101 64 1,890 SH   DFND   1,090 800 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 273 3,861 SH   SOLE   3,861 0 0
EXXON MOBIL CORP ENERGY 30231G102 3,125 33,232 SH   SOLE   33,195 0 37
EXXON MOBIL CORP ENERGY 30231G102 958 10,190 SH   DFND   2,061 8,129 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 88 1,115 SH   SOLE   1,115 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 73 450 SH   SOLE   450 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 20 125 SH   DFND   125 0 0
FIRST SOLAR INC ENERGY 336433107 5 80 SH   SOLE   80 0 0
FLAGSTAR BANCORP, INC FINANCIALS 337930705 3 200 SH   SOLE   200 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 190 12,840 SH   SOLE   12,840 0 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 31 561 SH   SOLE   561 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 4 110 SH   SOLE   110 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 192 29,459 SH   SOLE   29,459 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 1 163 SH   DFND   29 134 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 79 625 SH   SOLE   625 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 127 1,000 SH   DFND   1,000 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,775 69,308 SH   SOLE   69,258 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 493 19,244 SH   DFND   5,669 13,475 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 43 845 SH   SOLE   845 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 141 2,800 SH   DFND   2,200 600 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 907 8,521 SH   SOLE   8,521 0 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 11 660 SH   SOLE   660 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 18 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 382 2,080 SH   SOLE   2,080 0 0
GOOGLE INC - A INFORMATION TECHNOLOGY 38259P508 570 969 SH   SOLE   966 0 3
W.W. GRAINGER INDUSTRIALS 384802104 6 23 SH   SOLE   23 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 3 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 31 607 SH   SOLE   607 0 0
HAIN CELESTIAL GROUP INC CONSUMER STAPLES 405217100 9 90 SH   SOLE   90 0 0
HALLIBURTON COMPANY ENERGY 406216101 19 300 SH   SOLE   300 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 34 585 SH   SOLE   585 0 0
HARSCO CORP INDUSTRIALS 415864107 21 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 312 3,190 SH   SOLE   3,175 0 15
THE HERSHEY COMPANY CONSUMER STAPLES 427866108 15 155 SH   SOLE   155 0 0
HEWLETT PACKARD CO INFORMATION TECHNOLOGY 428236103 10 295 SH   SOLE   270 0 25
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 732 7,980 SH   SOLE   7,980 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 303 3,300 SH   DFND   1,000 2,300 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 29 310 SH   SOLE   310 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 575 6,815 SH   SOLE   6,815 0 0
INGREDION INC CONSUMER STAPLES 457187102 24 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,992 57,222 SH   SOLE   57,157 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 466 13,385 SH   DFND   6,610 6,775 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,686 8,883 SH   SOLE   8,883 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 357 1,879 SH   DFND   500 1,379 0
INTERNATIONAL PAPER CO MATERIALS 460146103 70 1,470 SH   SOLE   1,435 0 35
ETF ISHARES SILVER TR EXCHANGE TRADED FUNDS 46428Q109 8 514 SH   SOLE   514 0 0
ISHARES MSCI AUSTRALIA ETF EXCHANGE TRADED FUNDS 464286103 117 4,890 SH   SOLE   4,890 0 0
ISHARES MSCI AUSTRALIA ETF EXCHANGE TRADED FUNDS 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI BRAZIL CAPPED ETF EXCHANGE TRADED FUNDS 464286400 19 435 SH   SOLE   435 0 0
ISHARES MSCI CANADA ETF EXCHANGE TRADED FUNDS 464286509 70 2,295 SH   SOLE   2,295 0 0
ISHARES MSCI CANADA ETF EXCHANGE TRADED FUNDS 464286509 8 250 SH   DFND   250 0 0
ISHARES MSCI SINGAPORE ETF EXCHANGE TRADED FUNDS 464286673 35 2,630 SH   SOLE   2,630 0 0
ISHARES MSCI SINGAPORE ETF EXCHANGE TRADED FUNDS 464286673 7 530 SH   DFND   530 0 0
ISHARES MSCI TAIWAN ETF EXCHANGE TRADED FUNDS 464286731 14 909 SH   SOLE   909 0 0
ISHARES MSCI SWEDEN ETF EXCHANGE TRADED FUNDS 464286756 27 825 SH   SOLE   825 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE TRADED FUNDS 464286871 16 790 SH   SOLE   790 0 0
ISHARES S & P 100 ETF EXCHANGE TRADED FUNDS 464287101 1,114 12,641 SH   SOLE   12,641 0 0
ISHARES S & P 100 ETF EXCHANGE TRADED FUNDS 464287101 66 750 SH   DFND   750 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED FUNDS 464287168 92 1,240 SH   SOLE   1,240 0 0
ISHARES TIPS BOND ETF TAXABLE FIXED INCOME 464287176 7,786 69,472 SH   SOLE   68,987 0 485
ISHARES TIPS BOND ETF TAXABLE FIXED INCOME 464287176 1,300 11,596 SH   DFND   9,085 2,511 0
ISHARES CHINA LARGE CAP ETF EXCHANGE TRADED FUNDS 464287184 4 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF EXCHANGE TRADED FUNDS 464287226 858 7,864 SH   SOLE   7,864 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUNDS 464287465 1,239 19,322 SH   SOLE   19,235 0 87
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUNDS 464287465 17 270 SH   DFND   0 270 0
ISHARES RUSSELL 1000 VALUE INDEX FUND EXCHANGE TRADED FUNDS 464287598 180 1,795 SH   SOLE   1,795 0 0
ISHARES RUSSELL 1000 GROWTH ETF EXCHANGE TRADED FUNDS 464287614 189 2,065 SH   SOLE   2,065 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED FUNDS 464287648 460 3,545 SH   SOLE   3,545 0 0
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUNDS 464287804 2,285 21,908 SH   SOLE   21,868 0 40
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUNDS 464287804 74 705 SH   DFND   525 180 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,252 20,782 SH   SOLE   20,757 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 122 2,030 SH   DFND   830 1,200 0
JARDEN CORPORATION CONSUMER STAPLES 471109108 1 13 SH   SOLE   13 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,531 33,132 SH   SOLE   33,102 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 858 8,050 SH   DFND   2,585 5,465 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 20 458 SH   SOLE   458 0 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 21 485 SH   DFND   315 170 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
JUNIPER NETWORKS, INC. INFORMATION TECHNOLOGY 48203R104 7 315 SH   SOLE   315 0 0
KKR & CO., LP FINANCIALS 48248M102 34 1,510 SH   SOLE   1,510 0 0
KB HOME CONSUMER DISCRETIONARY 48666K109 6 420 SH   SOLE   420 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 11 175 SH   SOLE   175 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 12 200 SH   DFND   200 0 0
KEURIG GREEN MOUNTAIN INC CONSUMER DISCRETIONARY 49271M100 14 105 SH   SOLE   105 0 0
KEYCORP NEW COM FINANCIALS 493267108 7 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 152 1,417 SH   SOLE   1,417 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 118 1,100 SH   DFND   1,000 100 0
KINDER MORGAN INC. ENERGY 49456B101 19 500 SH   SOLE   500 0 0
KRAFT FOODS GROUP INC CONSUMER STAPLES 50076Q106 34 611 SH   SOLE   611 0 0
KRAFT FOODS GROUP INC CONSUMER STAPLES 50076Q106 19 333 SH   DFND   0 333 0
L-3 COMMUNICATIONS HOLDINGS,INC. INDUSTRIALS 502424104 30 255 SH   DFND   0 255 0
LEGACY RESERVES ENERGY 524707304 6 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 4 180 SH   SOLE   180 0 0
ELI LILLY & CO HEALTHCARE 532457108 244 3,767 SH   SOLE   3,767 0 0
ELI LILLY & CO HEALTHCARE 532457108 278 4,290 SH   DFND   4,290 0 0
LIONS GATE ENTERTAINMENT CORP INFORMATION TECHNOLOGY 535919203 4 110 SH   SOLE   110 0 0
LINN ENERGY LLC ENERGY 536020100 59 1,959 SH   SOLE   1,959 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 3 30 SH   SOLE   30 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 772 4,225 SH   SOLE   4,225 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 236 1,290 SH   DFND   990 300 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 522 9,860 SH   SOLE   9,785 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 89 1,690 SH   DFND   940 750 0
MANULIFE FINANCIAL FINANCIALS 56501R106 18 950 SH   SOLE   950 0 0
MARATHON OIL CORPORATION ENERGY 565849106 6 165 SH   SOLE   165 0 0
MARKET VECTORS AGRIBUSINESS EXCHANGE TRADED FD EXCHANGE TRADED FUNDS 57060U605 4 85 SH   SOLE   85 0 0
MARKWEST ENERGY PARTNERS LP ENERGY 570759100 12 150 SH   SOLE   150 0 0
MASCO CORPORATION INDUSTRIALS 574599106 9 364 SH   SOLE   364 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 10 140 SH   SOLE   140 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 8 115 SH   SOLE   115 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 47 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,236 13,041 SH   SOLE   13,026 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 496 5,227 SH   DFND   2,000 3,227 0
MCGRAW HILL FINANCIAL, INC CONSUMER DISCRETIONARY 580645109 48 565 SH   SOLE   565 0 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 180 925 SH   SOLE   925 0 0
MEDTRONIC INC HEALTHCARE 585055106 152 2,457 SH   SOLE   2,457 0 0
MEDTRONIC INC HEALTHCARE 585055106 130 2,100 SH   DFND   600 1,500 0
MERCK & CO., INC HEALTHCARE 58933Y105 485 8,188 SH   SOLE   8,188 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 124 2,100 SH   DFND   1,500 600 0
METLIFE INC FINANCIALS 59156R108 543 10,110 SH   SOLE   10,080 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,072 23,133 SH   SOLE   23,133 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 329 7,090 SH   DFND   3,190 3,900 0
MICROCHIP TECHNOLOGY INC INFORMATION TECHNOLOGY 595017104 8 170 SH   SOLE   170 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 51 1,491 SH   SOLE   1,491 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 34 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 18 160 SH   SOLE   160 0 0
MORGAN STANLEY FINANCIALS 617446448 41 1,195 SH   SOLE   1,195 0 0
MYLAN INC HEALTHCARE 628530107 321 7,050 SH   SOLE   7,050 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 7 201 SH   SOLE   201 0 0
NATIONAL FUEL GAS CO. NJ UTILITIES 636180101 3 39 SH   SOLE   39 0 0
NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274300 7 100 SH   DFND   0 100 0
NATIONAL-OILWELL VARCO INC ENERGY 637071101 19 255 SH   SOLE   255 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 4 100 SH   SOLE   100 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 23 456 SH   SOLE   456 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 886 9,443 SH   SOLE   9,443 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 248 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 196 2,195 SH   SOLE   2,195 0 0
NOBLE ENERGY INC. ENERGY 655044105 21 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 5 45 SH   SOLE   45 0 0
NORTHEAST UTILITIES UTILITIES 664397106 23 524 SH   SOLE   524 0 0
NOVAGOLD RESOURCES INC MATERIALS 66987E206 2 750 SH   SOLE   750 0 0
NOVACOPPER INC MATERIALS 66988K102 0 125 SH   SOLE   125 0 0
NUCOR MATERIALS 670346105 47 865 SH   SOLE   865 0 0
NUCOR MATERIALS 670346105 76 1,400 SH   DFND   800 600 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 10 108 SH   SOLE   108 0 0
OCWEN FINANCIAL CORPORATION FINANCIALS 675746309 171 6,545 SH   SOLE   6,545 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 466 12,170 SH   SOLE   12,170 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 11 130 SH   SOLE   130 0 0
PPG INDUSTRIES MATERIALS 693506107 28 140 SH   SOLE   140 0 0
J C PENNEY INC CONSUMER DISCRETIONARY 708160106 5 500 SH   SOLE   500 0 0
PEPCO HOLDINGS INC. ENERGY 713291102 25 933 SH   SOLE   933 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,526 27,135 SH   SOLE   27,100 0 35
PEPSICO INC CONSUMER STAPLES 713448108 401 4,305 SH   DFND   1,845 2,460 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 15 340 SH   SOLE   340 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 1 100 SH   SOLE   100 0 0
PETSMART INC. CONSUMER DISCRETIONARY 716768106 4 60 SH   SOLE   60 0 0
PFIZER INC HEALTHCARE 717081103 382 12,908 SH   SOLE   12,908 0 0
PFIZER INC HEALTHCARE 717081103 243 8,221 SH   DFND   5,750 2,471 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 88 1,058 SH   SOLE   1,058 0 0
PHILLIPS 66 ENERGY 718546104 942 11,589 SH   SOLE   11,589 0 0
PHILLIPS 66 ENERGY 718546104 119 1,462 SH   DFND   1,180 282 0
PIEDMONT NATURAL GAS COMPANY ENERGY 720186105 8 250 SH   SOLE   250 0 0
PIMCO CORPORATE INCOME FUND MUTUAL FUND 72200U100 8 500 SH   SOLE   500 0 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 79 1,350 SH   SOLE   1,350 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 1 110 SH   SOLE   110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 2 50 SH   SOLE   50 0 0
POWERSHARES QQQ EXCHANGE TRADED FUNDS 73935A104 2 25 SH   SOLE   25 0 0
ETF POWERSHARES CLEANTECH PORTFOLIO EXCHANGE TRADED FUNDS 73935X278 3 100 SH   SOLE   100 0 0
ETF POWERSHARES GLOBAL CLEAN ENERGY EXCHANGE TRADED FUNDS 73936T615 3 200 SH   SOLE   200 0 0
PRAXAIR MATERIALS 74005P104 214 1,661 SH   SOLE   1,661 0 0
PRAXAIR MATERIALS 74005P104 223 1,725 SH   DFND   825 900 0
PRECISION CASTPARTS CORP. INDUSTRIALS 740189105 24 100 SH   SOLE   100 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 6 75 SH   SOLE   75 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 29 25 SH   SOLE   25 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,778 33,174 SH   SOLE   33,139 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 764 9,128 SH   DFND   2,915 6,213 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 45 511 SH   SOLE   511 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 81 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,541 20,607 SH   SOLE   20,577 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 71 950 SH   DFND   665 285 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 19 189 SH   SOLE   189 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 51 500 SH   DFND   0 500 0
REGENCY ENERGY PARTNERS LP ENERGY 75885Y107 70 2,150 SH   SOLE   2,150 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 36 100 SH   SOLE   100 0 0
ROSS STORES INC CONSUMER DISCRETIONARY 778296103 38 500 SH   SOLE   500 0 0
ROYAL DUTCH SHELL PLC ADR FOREIGN EQUITIES 780259206 16 210 SH   SOLE   210 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 27 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUNDS 78462F103 11,637 59,064 SH   SOLE   59,064 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUNDS 78462F103 139 705 SH   DFND   705 0 0
SPDR GOLD TRUST EXCHANGE TRADED FUNDS 78463V107 447 3,843 SH   SOLE   3,843 0 0
SPDR BARCLAYS HIGH YIELD BOND ETF TAXABLE FIXED INCOME 78464A417 650 16,167 SH   SOLE   16,062 105 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUNDS 78467Y107 6,644 26,649 SH   SOLE   26,592 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUNDS 78467Y107 93 375 SH   DFND   215 160 0
SALESFORCE.COM, INC. INFORMATION TECHNOLOGY 79466L302 3 60 SH   SOLE   60 0 0
SANOFI-AVENTIS HEALTHCARE 80105N113 0 35 SH   SOLE   35 0 0
SCHLUMBERGER LTD ENERGY 806857108 466 4,578 SH   SOLE   4,563 0 15
SCHLUMBERGER LTD ENERGY 806857108 71 700 SH   DFND   0 700 0
MATERIAL SELECT SECTOR SPDR TRUST EXCHANGE TRADED FUNDS 81369Y100 12 250 SH   SOLE   250 0 0
HEALTH CARE SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y209 113 1,765 SH   SOLE   1,765 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y308 5 100 SH   SOLE   100 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y407 33 500 SH   SOLE   500 0 0
ENERGY SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y506 255 2,816 SH   SOLE   2,816 0 0
FINANCIAL SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y605 199 8,610 SH   SOLE   8,610 0 0
FINANCIAL SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y605 10 450 SH   DFND   450 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y704 11 200 SH   SOLE   200 0 0
TECHNOLOGY SELECT SECT SPDR EXCHANGE TRADED FUNDS 81369Y803 214 5,365 SH   SOLE   5,365 0 0
AMEX UTILITIES SELECT INDEX SHS BEN INT EXCHANGE TRADED FUNDS 81369Y886 34 815 SH   SOLE   815 0 0
SEMPRA ENERGY UTILITIES 816851109 6 60 SH   SOLE   60 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 3 15 SH   SOLE   15 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 77 467 SH   SOLE   467 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 94 951 SH   DFND   0 951 0
SOUTHERN CO UTILITIES 842587107 468 10,711 SH   SOLE   10,711 0 0
SOUTHERN CO UTILITIES 842587107 227 5,195 SH   DFND   2,850 2,345 0
SOUTHWEST AIRLINES INDUSTRIALS 844741108 6 170 SH   SOLE   170 0 0
SOUTHWEST GAS CORP ENERGY 844895102 7 150 SH   SOLE   150 0 0
SPECTRA ENERGY CORPORATION ENERGY 847560109 33 850 SH   SOLE   850 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 58 4,785 SH   SOLE   4,785 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 24 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 177 2,350 SH   SOLE   2,350 0 0
STATE STREET CORP. COM FINANCIALS 857477103 10 130 SH   SOLE   130 0 0
STMICROELECTRONICS NV SHS-NY REGISTRY INFORMATION TECHNOLOGY 861012102 9 1,200 SH   DFND   0 1,200 0
STRYKER CORP HEALTHCARE 863667101 661 8,187 SH   SOLE   8,155 0 32
STRYKER CORP HEALTHCARE 863667101 31 380 SH   DFND   270 110 0
SYSCO CORPORATION CONSUMER STAPLES 871829107 8 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 37 625 SH   SOLE   625 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 466 7,440 SH   SOLE   7,398 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 119 1,900 SH   DFND   670 1,230 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 3 67 SH   SOLE   67 0 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 19 358 SH   SOLE   358 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 26 535 SH   SOLE   535 0 0
3M CO COM INDUSTRIALS 88579Y101 287 2,026 SH   SOLE   2,026 0 0
3M CO COM INDUSTRIALS 88579Y101 263 1,854 SH   DFND   1,000 854 0
TIFFANY & CO CONSUMER DISCRETIONARY 886547108 3 36 SH   SOLE   36 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 38 505 SH   SOLE   505 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 52 1,056 SH   SOLE   1,056 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 3 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 43 455 SH   SOLE   455 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 17 2,570 SH   SOLE   2,570 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 13 2,000 SH   DFND   0 2,000 0
TWENTY-FIRST CENTURY FOX-A CONSUMER DISCRETIONARY 90130A101 6 170 SH   SOLE   170 0 0
US BANCORP DEL COM NEW FINANCIALS 902973304 179 4,290 SH   SOLE   4,290 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 60 865 SH   SOLE   865 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 68 1,617 SH   SOLE   1,617 0 0
UNION PACIFIC CORP INDUSTRIALS 907818108 66 610 SH   SOLE   610 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 34 345 SH   SOLE   345 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,563 24,273 SH   SOLE   24,241 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 395 3,740 SH   DFND   2,130 1,610 0
UNITED HEALTHCARE GROUP INC HEALTHCARE 91324P102 67 775 SH   SOLE   775 0 0
VALERO ENERGY NEW ENERGY 91913Y100 18 395 SH   SOLE   395 0 0
ETF VANGUARD TOTAL INTL STOCK EXCHANGE TRADED FUNDS 921909768 1,223 23,975 SH   SOLE   23,975 0 0
ETF VANGUARD TOTAL BOND MARKET FIXED INCOME 921937835 691 8,436 SH   SOLE   8,436 0 0
VANGUARD FTSE DEVELOPED MARKET ETF EXCHANGE TRADED FUNDS 921943858 57 1,442 SH   SOLE   1,442 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND EXCHANGE TRADED FUNDS 922042742 29 480 SH   SOLE   480 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUNDS 922042858 1,759 42,186 SH   SOLE   42,076 0 110
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUNDS 922042858 43 1,035 SH   DFND   910 125 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUNDS 92206C599 5,128 56,650 SH   SOLE   56,650 0 0
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 1,986 39,733 SH   SOLE   39,688 0 45
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 400 7,995 SH   DFND   4,174 3,821 0
VERTEX PHARMACEUTICALS INC HEALTHCARE 92532F100 11 100 SH   SOLE   100 0 0
VISA INC - CLASS A SHARES INFORMATION TECHNOLOGY 92826C839 67 315 SH   SOLE   315 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 9 100 SH   SOLE   100 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 478 6,245 SH   SOLE   6,245 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 145 1,900 SH   DFND   1,500 400 0
WALGREEN CO CONSUMER STAPLES 931422109 170 2,865 SH   SOLE   2,865 0 0
WALGREEN CO CONSUMER STAPLES 931422109 111 1,867 SH   DFND   400 1,467 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 834 17,553 SH   SOLE   17,553 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 146 3,080 SH   DFND   1,305 1,775 0
WELLPOINT INC. HEALTHCARE 94973V107 10 80 SH   SOLE   80 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 75 1,451 SH   SOLE   1,451 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 29 550 SH   DFND   0 550 0
WESTERN GAS PARTNERS LP ENERGY 958254104 48 635 SH   SOLE   635 0 0
WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 16 110 SH   SOLE   110 0 0
WHOLE FOOD MARKET INC. CONSUMER STAPLES 966837106 14 375 SH   SOLE   375 0 0
WISDOMTREE INVESTMENTS INC FINANCIALS 97717P104 3 300 SH   SOLE   300 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 242 6,065 SH   SOLE   6,065 0 0
WYNN RESORTS, LIMITED CONSUMER DISCRETIONARY 983134107 9 50 SH   SOLE   50 0 0
XILINX INC INFORMATION TECHNOLOGY 983919101 7 170 SH   SOLE   170 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YAHOO INC INFORMATION TECHNOLOGY 984332106 18 450 SH   SOLE   450 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 54 748 SH   SOLE   748 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 43 600 SH   DFND   0 600 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 10 100 SH   SOLE   100 0 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 50 500 SH   DFND   0 500 0