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 407 5,110 SH   SOLE   5,110 0 0
COVIDIEN PLC HEALTHCARE G2554F113 33 450 SH   SOLE   450 0 0
ACE LIMITED FINANCIALS H0023R105 37 370 SH   SOLE   370 0 0
WEATHERFORD INTERNATIONAL LTD NEW ENERGY H27013103 60 3,454 SH   SOLE   3,454 0 0
TRANSOCEAN LTD ENERGY H8817H100 12 290 SH   SOLE   290 0 0
AFLAC INC. FINANCIALS 001055102 99 1,577 SH   SOLE   1,577 0 0
AFLAC INC. FINANCIALS 001055102 32 500 SH   DFND   300 200 0
AT&T INC. TELECOM. SERVICES 00206R102 1,846 52,643 SH   SOLE   52,583 0 60
AT&T INC. TELECOM. SERVICES 00206R102 356 10,151 SH   DFND   5,536 4,615 0
ABBOTT LABS HEALTHCARE 002824100 244 6,337 SH   SOLE   6,337 0 0
ABBOTT LABS HEALTHCARE 002824100 109 2,825 SH   DFND   1,250 1,575 0
ABBVIE INC. HEALTHCARE 00287Y109 334 6,502 SH   SOLE   6,502 0 0
ABBVIE INC. HEALTHCARE 00287Y109 145 2,825 SH   DFND   1,250 1,575 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 210 2,803 SH   SOLE   2,803 0 0
ALCOA INC MATERIALS 013817101 19 1,460 SH   SOLE   1,460 0 0
ALCATEL - LUCENT TELECOM. SERVICES 013904305 2 488 SH   SOLE   488 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 1 20 SH   SOLE   20 0 0
ALLERGAN, INC. HEALTHCARE 018490102 123 990 SH   SOLE   990 0 0
ALLIANT TECHSYSTEMS INC. INDUSTRIALS 018804104 14 100 SH   SOLE   100 0 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 55 1,462 SH   SOLE   1,462 0 0
AMAZON. COM, INC INFORMATION TECHNOLOGY 023135106 94 280 SH   SOLE   280 0 0
AMERICAN EXPRESS FINANCIALS 025816109 616 6,837 SH   SOLE   6,800 0 37
AMERICAN EXPRESS FINANCIALS 025816109 30 335 SH   DFND   235 100 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 261 3,188 SH   SOLE   3,188 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 99 800 SH   SOLE   800 0 0
ANALOG DEVICES INC INFORMATION TECHNOLOGY 032654105 7 140 SH   SOLE   140 0 0
ANHEUSER-BUSCH INBEV NV ADR FOREIGN EQUITIES 03524A108 11 100 SH   SOLE   100 0 0
APACHE CORP ENERGY 037411105 10 120 SH   SOLE   110 0 10
APPLE INC INFORMATION TECHNOLOGY 037833100 1,756 3,271 SH   SOLE   3,271 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 43 80 SH   DFND   80 0 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 71 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 645 25,739 SH   SOLE   25,739 0 0
ARCHER DANIELS MIDLAND CO CONSUMER STAPLES 039483102 22 518 SH   SOLE   518 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 68 425 SH   SOLE   425 0 0
AUTODESK INC. INFORMATION TECHNOLOGY 052769106 10 200 SH   SOLE   200 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 847 10,968 SH   SOLE   10,968 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 190 2,460 SH   DFND   1,460 1,000 0
BP P.L.C. ENERGY 055622104 35 732 SH   SOLE   732 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 8 100 SH   SOLE   100 0 0
BAKER HUGHES INC ENERGY 057224107 22 334 SH   SOLE   334 0 0
BALL CORPORATION MATERIALS 058498106 6 114 SH   SOLE   114 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 80 4,681 SH   SOLE   4,622 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 12 678 SH   DFND   0 678 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 39 1,095 SH   SOLE   1,095 0 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 14 400 SH   DFND   400 0 0
BARRICK GOLD CORP MATERIALS 067901108 41 2,300 SH   SOLE   2,300 0 0
BARRICK GOLD CORP MATERIALS 067901108 12 685 SH   DFND   0 685 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 66 900 SH   DFND   900 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 372 3,180 SH   SOLE   3,165 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 121 1,030 SH   DFND   530 500 0
BED BATH & BEYOND CONSUMER DISCRETIONARY 075896100 28 410 SH   SOLE   410 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 551 4,410 SH   SOLE   4,410 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 11 85 SH   DFND   0 85 0
BLACKROCK INC FINANCIALS 09247X101 24 75 SH   SOLE   75 0 0
BLACKROCK NEW YORK MUNICIPAL INCOME TRUST MUTUAL FUNDS-NON TAX 09248L106 27 2,000 SH   SOLE   2,000 0 0
BOARDWALK PIPELINE PARTNERS ENERGY 096627104 12 900 SH   SOLE   900 0 0
BOEING INDUSTRIALS 097023105 253 2,020 SH   SOLE   1,995 0 25
BOEING INDUSTRIALS 097023105 125 1,000 SH   DFND   500 500 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,479 28,468 SH   SOLE   28,468 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 302 5,815 SH   DFND   4,525 1,290 0
BROADRIDGE FINANCIAL SOLUTIONS LLC FINANCIALS 11133T103 4 112 SH   SOLE   112 0 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 96 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 6 100 SH   SOLE   100 0 0
CF INDUSTRIES HOLDINGS INC INDUSTRIALS 125269100 5 19 SH   SOLE   19 0 0
CSX CORPORATION INDUSTRIALS 126408103 164 5,675 SH   SOLE   5,675 0 0
CSX CORPORATION INDUSTRIALS 126408103 35 1,200 SH   DFND   1,200 0 0
CVS/CAREMARK CORP CONSUMER STAPLES 126650100 1,005 13,423 SH   SOLE   13,423 0 0
CA, INC INFORMATION TECHNOLOGY 12673P105 4 125 SH   SOLE   125 0 0
CALUMET SPECIALTY PRODUCTS ENERGY 131476103 17 650 SH   SOLE   650 0 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 97 2,160 SH   SOLE   2,160 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 45 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 32 420 SH   SOLE   420 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,357 13,657 SH   SOLE   13,632 0 25
CATERPILLAR INC INDUSTRIALS 149123101 261 2,625 SH   DFND   1,985 640 0
CELGENE CORP HEALTHCARE 151020104 31 220 SH   SOLE   220 0 0
CENOVUS ENERGY INC. ENERGY 15135U109 22 751 SH   SOLE   751 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 33 1,400 SH   SOLE   1,400 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 166 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 12 361 SH   SOLE   361 0 0
CHEVRON CORPORATION ENERGY 166764100 1,515 12,738 SH   SOLE   12,738 0 0
CHEVRON CORPORATION ENERGY 166764100 265 2,225 SH   DFND   1,595 630 0
CHUBB CORP FINANCIALS 171232101 8 90 SH   SOLE   90 0 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 772 34,461 SH   SOLE   34,396 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 62 2,775 SH   DFND   0 2,775 0
CITIGROUP INC. FINANCIALS 172967424 4 76 SH   SOLE   76 0 0
CLAYMORE CHINA SMALL CAP INDEX ETF EXCHANGE TRADED FUNDS 18383Q853 4 175 SH   SOLE   175 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 9 100 SH   SOLE   100 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 18 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 4 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 109 2,190 SH   SOLE   2,190 0 0
COCA COLA CO CONSUMER STAPLES 191216100 1,225 31,694 SH   SOLE   31,694 0 0
COCA COLA CO CONSUMER STAPLES 191216100 268 6,930 SH   DFND   4,080 2,850 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 31 620 SH   SOLE   620 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 1,216 18,749 SH   SOLE   18,749 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 180 2,770 SH   DFND   2,500 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 43 851 SH   SOLE   851 0 0
COMPANHIA SIDERURGICA NACIONAL S.A.- ADR FOREIGN EQUITIES 20440W105 26 6,000 SH   SOLE   6,000 0 0
CONOCOPHILLIPS ENERGY 20825C104 1,480 21,044 SH   SOLE   21,044 0 0
CONOCOPHILLIPS ENERGY 20825C104 202 2,865 SH   DFND   2,360 505 0
CONSOLIDATED EDISON INC UTILITIES 209115104 112 2,081 SH   SOLE   2,081 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 106 5,075 SH   SOLE   5,005 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 18 164 SH   SOLE   164 0 0
CUMMINS INC INDUSTRIALS 231021106 518 3,477 SH   SOLE   3,477 0 0
CUMMINS INC INDUSTRIALS 231021106 25 165 SH   DFND   110 55 0
DNP SELECT INCOME FUND INC MUTUAL FUNDS-TAXABLE 23325P104 25 2,500 SH   SOLE   2,500 0 0
DANAHER CORP INDUSTRIALS 235851102 233 3,110 SH   SOLE   3,110 0 0
DANAHER CORP INDUSTRIALS 235851102 55 735 SH   DFND   460 275 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 434 4,785 SH   SOLE   4,785 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 27 300 SH   DFND   0 300 0
DELCATH SYSTEMS INC. HEALTHCARE 24661P104 3 11,200 SH   SOLE   11,200 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 28 605 SH   SOLE   605 0 0
DENTSPLY INTERNATIONAL INC HEALTHCARE 249030107 18 400 SH   DFND   0 400 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 29 236 SH   SOLE   236 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,353 16,898 SH   SOLE   16,873 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 145 1,811 SH   DFND   0 1,811 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 15 265 SH   SOLE   265 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 8 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 93 1,305 SH   SOLE   1,305 0 0
DOMINION RESOURCES UTILITIES 25746U109 45 635 SH   DFND   635 0 0
DOVER CORPORATION INDUSTRIALS 260003108 3 40 SH   SOLE   40 0 0
DOW CHEMICAL MATERIALS 260543103 18 373 SH   SOLE   373 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 153 2,276 SH   SOLE   2,276 0 0
E I DU PONT DE NEMOURS & CO MATERIALS 263534109 13 200 SH   DFND   0 200 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 8 112 SH   SOLE   112 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 12 117 SH   SOLE   117 0 0
EMC CORP INFORMATION TECHNOLOGY 268648102 191 6,986 SH   SOLE   6,986 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 8 145 SH   SOLE   145 0 0
ECOLAB INC. MATERIALS 278865100 28 260 SH   SOLE   260 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 348 5,209 SH   SOLE   5,209 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 252 3,775 SH   DFND   1,450 2,325 0
ENCANA CORP FOREIGN EQUITIES 292505104 17 816 SH   SOLE   816 0 0
ENERGY TRANSFER PARTNERS ENERGY 29273R109 53 991 SH   SOLE   991 0 0
ENGILITY HOLDINGS INC INDUSTRIALS 29285W104 2 42 SH   DFND   0 42 0
ENTERGY CORPORATION UTILITIES 29364G103 13 200 SH   SOLE   200 0 0
ENTERGY CORPORATION UTILITIES 29364G103 87 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 21 755 SH   DFND   655 0 100
EXELON CORP UTILITIES 30161N101 63 1,890 SH   DFND   1,090 800 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 286 3,810 SH   SOLE   3,810 0 0
EXXON MOBIL CORP ENERGY 30231G102 3,212 32,887 SH   SOLE   32,850 0 37
EXXON MOBIL CORP ENERGY 30231G102 511 5,235 SH   DFND   2,061 3,174 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 58 955 SH   SOLE   955 0 0
FAMILY DOLLAR STORES, INC. CONSUMER DISCRETIONARY 307000109 10 175 SH   SOLE   175 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 35 265 SH   SOLE   265 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 17 125 SH   DFND   125 0 0
FLAGSTAR BANCORP, INC FINANCIALS 337930705 4 200 SH   SOLE   200 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 176 11,275 SH   SOLE   11,275 0 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 20 375 SH   SOLE   375 0 0
FREEPORT-MCMORAN COPPER & GOLD CLASS B MATERIALS 35671D857 4 110 SH   SOLE   110 0 0
FRONTIER COMMUNICATIONS CORP TELECOM. SERVICES 35906A108 168 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 69 630 SH   SOLE   630 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 109 1,000 SH   DFND   1,000 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,634 63,140 SH   SOLE   63,090 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 221 8,544 SH   DFND   5,669 2,775 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 57 1,100 SH   SOLE   1,100 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 114 2,200 SH   DFND   2,200 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 706 9,961 SH   SOLE   9,961 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 21 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 386 2,355 SH   SOLE   2,355 0 0
GOOGLE INC INFORMATION TECHNOLOGY 38259P508 1,018 913 SH   SOLE   910 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
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 41 620 SH   SOLE   620 0 0
HARSCO CORP INDUSTRIALS 415864107 23 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 347 3,230 SH   SOLE   3,215 0 15
HEWLETT PACKARD CO INFORMATION TECHNOLOGY 428236103 10 295 SH   SOLE   270 0 25
HILLSHIRE BRANDS CO CONSUMER STAPLES 432589109 5 125 SH   SOLE   125 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 650 8,220 SH   SOLE   8,220 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 202 2,550 SH   DFND   1,000 1,550 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 580 7,134 SH   SOLE   7,134 0 0
INGREDION INC CONSUMER STAPLES 457187102 22 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,478 57,257 SH   SOLE   57,192 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 291 11,285 SH   DFND   6,610 4,675 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 1,657 8,608 SH   SOLE   8,608 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 342 1,779 SH   DFND   500 1,279 0
INTERNATIONAL PAPER CO MATERIALS 460146103 10 210 SH   SOLE   210 0 0
ETF ISHARES SILVER TR EXCHANGE TRADED FUNDS 46428Q109 112 5,886 SH   SOLE   5,886 0 0
ISHARES MSCI AUSTRALIA ETF EXCHANGE TRADED FUNDS 464286103 132 5,090 SH   SOLE   5,090 0 0
ISHARES MSCI AUSTRALIA ETF EXCHANGE TRADED FUNDS 464286103 8 300 SH   DFND   300 0 0
ISHARES MSCI BRAZIL CAPPED ETF EXCHANGE TRADED FUNDS 464286400 46 1,030 SH   SOLE   1,030 0 0
ISHARES MSCI CANADA ETF EXCHANGE TRADED FUNDS 464286509 74 2,505 SH   SOLE   2,505 0 0
ISHARES MSCI CANADA ETF EXCHANGE TRADED FUNDS 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI SINGAPORE ETF EXCHANGE TRADED FUNDS 464286673 34 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 13 909 SH   SOLE   909 0 0
ISHARES MSCI SWITZERLAND CAPPED ETF EXCHANGE TRADED FUNDS 464286749 33 950 SH   SOLE   950 0 0
ISHARES MSCI SWEDEN ETF EXCHANGE TRADED FUNDS 464286756 30 825 SH   SOLE   825 0 0
ISHARES MSCI SOUTH KOREA CAPPED ETF EXCHANGE TRADED FUNDS 464286772 24 385 SH   SOLE   385 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 882 10,646 SH   SOLE   10,646 0 0
ISHARES S & P 100 ETF EXCHANGE TRADED FUNDS 464287101 62 750 SH   DFND   750 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED FUNDS 464287168 98 1,330 SH   SOLE   1,330 0 0
ISHARES TIPS BOND ETF TAXABLE FIXED INCOME 464287176 7,999 71,352 SH   SOLE   70,867 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 BOND FUND TAXABLE FIXED INCOME 464287226 787 7,294 SH   SOLE   7,294 0 0
ISHARES LATIN AMERICA 40 ETF EXCHANGE TRADED FUNDS 464287390 21 575 SH   SOLE   575 0 0
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUNDS 464287465 1,330 19,792 SH   SOLE   19,705 0 87
ISHARES MSCI EAFE ETF FUND EXCHANGE TRADED FUNDS 464287465 18 270 SH   DFND   0 270 0
ISHARES RUSSELL 1000 VALUE INDEX FUND EXCHANGE TRADED FUNDS 464287598 173 1,795 SH   SOLE   1,795 0 0
ISHARES RUSSELL 1000 GROWTH ETF EXCHANGE TRADED FUNDS 464287614 179 2,065 SH   SOLE   2,065 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED FUNDS 464287648 514 3,780 SH   SOLE   3,780 0 0
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUNDS 464287804 2,891 26,248 SH   SOLE   26,208 0 40
ISHARES CORE S&P SMALL-CAP ETF EXCHANGE TRADED FUNDS 464287804 78 705 SH   DFND   525 180 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,247 20,542 SH   SOLE   20,517 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 78 1,280 SH   DFND   830 450 0
JARDEN CORPORATION CONSUMER STAPLES 471109108 1 13 SH   SOLE   13 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,336 33,961 SH   SOLE   33,931 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 732 7,450 SH   DFND   2,585 4,865 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 22 458 SH   SOLE   458 0 0
JOHNSON CONTROLS INC. CONSUMER DISCRETIONARY 478366107 23 485 SH   DFND   315 170 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR FINANCIAL HOLDINGS LLC FINANCIALS 48248A306 12 1,000 SH   SOLE   1,000 0 0
KKR & CO., LP FINANCIALS 48248M102 23 1,000 SH   SOLE   1,000 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 11 175 SH   SOLE   175 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 13 200 SH   DFND   200 0 0
KEURIG GREEN MOUNTAIN INC CONSUMER DISCRETIONARY 49271M100 11 105 SH   SOLE   105 0 0
KEYCORP NEW COM FINANCIALS 493267108 8 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 20 185 SH   SOLE   185 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 121 1,100 SH   DFND   1,000 100 0
KINDER MORGAN INC. ENERGY 49456B101 6 200 SH   SOLE   200 0 0
KRAFT FOODS GROUP INC CONSUMER STAPLES 50076Q106 13 234 SH   SOLE   234 0 0
L-3 COMMUNICATIONS HOLDINGS,INC. INDUSTRIALS 502424104 30 255 SH   DFND   0 255 0
LEGACY RESERVES ENERGY 524707304 5 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 5 180 SH   SOLE   180 0 0
ELI LILLY & CO HEALTHCARE 532457108 210 3,567 SH   SOLE   3,567 0 0
ELI LILLY & CO HEALTHCARE 532457108 253 4,290 SH   DFND   4,290 0 0
LINN ENERGY LLC ENERGY 536020100 47 1,670 SH   SOLE   1,670 0 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 1 30 SH   SOLE   30 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 691 4,235 SH   SOLE   4,235 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 162 990 SH   DFND   990 0 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 526 10,755 SH   SOLE   10,680 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 83 1,690 SH   DFND   940 750 0
MANULIFE FINANCIAL FINANCIALS 56501R106 18 950 SH   SOLE   950 0 0
MARKET VECTORS AGRIBUSINESS EXCHANGE TRADED FD EXCHANGE TRADED FUNDS 57060U605 5 85 SH   SOLE   85 0 0
ETF MARKET VECTORS BRAZIL SMALL CAP EXCHANGE TRADED FUNDS 57060U613 3 100 SH   SOLE   100 0 0
MARKWEST ENERGY PARTNERS LP ENERGY 570759100 10 150 SH   SOLE   150 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 8 115 SH   SOLE   115 0 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,332 13,591 SH   SOLE   13,576 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 439 4,477 SH   DFND   2,000 2,477 0
MCGRAW HILL FINANCIAL, INC CONSUMER DISCRETIONARY 580645109 43 565 SH   SOLE   565 0 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 163 925 SH   SOLE   925 0 0
MEDTRONIC INC HEALTHCARE 585055106 126 2,047 SH   SOLE   2,047 0 0
MEDTRONIC INC HEALTHCARE 585055106 92 1,500 SH   DFND   600 900 0
MERCK & CO., INC HEALTHCARE 58933Y105 344 6,064 SH   SOLE   6,064 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 119 2,100 SH   DFND   1,500 600 0
METLIFE INC FINANCIALS 59156R108 522 9,890 SH   SOLE   9,860 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 976 23,824 SH   SOLE   23,754 0 70
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 250 6,090 SH   DFND   3,190 2,900 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 33 956 SH   SOLE   956 0 0
MONSANTO COMPANY MATERIALS 61166W101 23 200 SH   SOLE   200 0 0
MYLAN INC HEALTHCARE 628530107 347 7,100 SH   SOLE   7,100 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
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 1,179 12,328 SH   SOLE   12,328 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 224 2,340 SH   DFND   2,200 140 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 13 175 SH   SOLE   175 0 0
NOBLE ENERGY INC. ENERGY 655044105 21 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 9 90 SH   SOLE   90 0 0
NORTHEAST UTILITIES UTILITIES 664397106 24 524 SH   SOLE   524 0 0
NOVAGOLD RESOURCES INC MATERIALS 66987E206 3 750 SH   SOLE   750 0 0
NOVACOPPER INC MATERIALS 66988K102 0 125 SH   SOLE   125 0 0
NUCOR MATERIALS 670346105 61 1,215 SH   SOLE   1,215 0 0
NUCOR MATERIALS 670346105 40 800 SH   DFND   800 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 3 33 SH   SOLE   33 0 0
OCWEN FINANCIAL CORPORATION FINANCIALS 675746309 256 6,545 SH   SOLE   6,545 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 552 13,500 SH   SOLE   13,500 0 0
PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 19 220 SH   SOLE   220 0 0
PPG INDUSTRIES MATERIALS 693506107 27 140 SH   SOLE   140 0 0
J C PENNEY INC CONSUMER DISCRETIONARY 708160106 4 500 SH   SOLE   500 0 0
PEPCO HOLDINGS INC. ENERGY 713291102 19 933 SH   SOLE   933 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,253 26,983 SH   SOLE   26,948 0 35
PEPSICO INC CONSUMER STAPLES 713448108 341 4,080 SH   DFND   1,845 2,235 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 384 11,966 SH   SOLE   11,966 0 0
PFIZER INC HEALTHCARE 717081103 194 6,045 SH   DFND   5,750 295 0
PHILIP MORRIS INTERNATIONAL W/I CONSUMER DISCRETIONARY 718172109 63 770 SH   SOLE   770 0 0
PHILLIPS 66 ENERGY 718546104 901 11,696 SH   SOLE   11,696 0 0
PHILLIPS 66 ENERGY 718546104 103 1,332 SH   DFND   1,180 152 0
PIEDMONT NATURAL GAS COMPANY ENERGY 720186105 9 250 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 74 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 3 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 208 1,591 SH   SOLE   1,591 0 0
PRAXAIR MATERIALS 74005P104 226 1,725 SH   DFND   825 900 0
PRECISION CASTPARTS CORP. INDUSTRIALS 740189105 25 100 SH   SOLE   100 0 0
T ROWE PRICE GROUP INC FINANCIALS 74144T108 6 75 SH   SOLE   75 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,764 34,291 SH   SOLE   34,256 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 632 7,836 SH   DFND   2,915 4,921 0
PRUDENTIAL FINANCIAL INC FINANCIALS 744320102 26 306 SH   SOLE   306 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 83 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 1,609 20,407 SH   SOLE   20,377 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 75 950 SH   DFND   665 285 0
QUANTUM CORP DSSG INFORMATION TECHNOLOGY 747906204 0 225 SH   SOLE   225 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 19 189 SH   SOLE   189 0 0
REGENCY ENERGY PARTNERS LP ENERGY 75885Y107 59 2,150 SH   SOLE   2,150 0 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 15 50 SH   SOLE   50 0 0
ROSS STORES INC CONSUMER DISCRETIONARY 778296103 36 500 SH   SOLE   500 0 0
ROYAL DUTCH SHELL PLC ADR FOREIGN EQUITIES 780259206 8 110 SH   SOLE   110 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 24 300 SH   SOLE   300 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUNDS 78462F103 11,085 59,274 SH   SOLE   59,274 0 0
SPDR S & P 500 ETF TRUST EXCHANGE TRADED FUNDS 78462F103 132 705 SH   DFND   705 0 0
SPDR GOLD TRUST EXCHANGE TRADED FUNDS 78463V107 644 5,207 SH   SOLE   5,207 0 0
SPDR GOLD TRUST EXCHANGE TRADED FUNDS 78463V107 9 75 SH   DFND   75 0 0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUNDS 78467Y107 6,800 27,139 SH   SOLE   27,082 0 57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF EXCHANGE TRADED FUNDS 78467Y107 94 375 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 491 5,035 SH   SOLE   5,035 0 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 103 1,765 SH   SOLE   1,765 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y308 4 100 SH   SOLE   100 0 0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y407 65 1,000 SH   SOLE   1,000 0 0
ENERGY SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y506 251 2,816 SH   SOLE   2,816 0 0
FINANCIAL SELECT SECTOR SPDR FUND EXCHANGE TRADED FUNDS 81369Y605 192 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 10 200 SH   SOLE   200 0 0
TECHNOLOGY SELECT SECT SPDR EXCHANGE TRADED FUNDS 81369Y803 195 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
SIMON PROPERTY GROUP FINANCIALS 828806109 67 407 SH   SOLE   407 0 0
SOUTHERN CO UTILITIES 842587107 509 11,586 SH   SOLE   11,586 0 0
SOUTHERN CO UTILITIES 842587107 206 4,695 SH   DFND   2,850 1,845 0
SOUTHWEST GAS CORP ENERGY 844895102 8 150 SH   SOLE   150 0 0
SPECTRA ENERGY CORPORATION ENERGY 847560109 31 850 SH   SOLE   850 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 61 5,385 SH   SOLE   5,385 0 0
STAPLES INCORPORATED CONSUMER DISCRETIONARY 855030102 23 2,000 SH   DFND   2,000 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 130 1,765 SH   SOLE   1,765 0 0
STATE STREET CORP. COM FINANCIALS 857477103 9 130 SH   SOLE   130 0 0
STMICROELECTRONICS NV SHS-NY REGISTRY INFORMATION TECHNOLOGY 861012102 11 1,200 SH   DFND   0 1,200 0
STRYKER CORP HEALTHCARE 863667101 669 8,212 SH   SOLE   8,180 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 38 625 SH   SOLE   625 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 457 7,560 SH   SOLE   7,518 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 115 1,900 SH   DFND   670 1,230 0
TERADATA CORPORATION INFORMATION TECHNOLOGY 88076W103 8 172 SH   SOLE   172 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 25 535 SH   SOLE   535 0 0
3M CO COM INDUSTRIALS 88579Y101 288 2,126 SH   SOLE   2,126 0 0
3M CO COM INDUSTRIALS 88579Y101 182 1,339 SH   DFND   1,000 339 0
TIFFANY & CO CONSUMER DISCRETIONARY 886547108 3 36 SH   SOLE   36 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 5 75 SH   SOLE   75 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 50 1,056 SH   SOLE   1,056 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 5 100 SH   SOLE   100 0 0
TRAVELERS COS INC FINANCIALS 89417E109 35 415 SH   SOLE   415 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 18 2,570 SH   SOLE   2,570 0 0
TRUSTCO BK CORP N Y COM FINANCIALS 898349105 14 2,000 SH   DFND   0 2,000 0
US BANCORP DEL COM NEW FINANCIALS 902973304 188 4,390 SH   SOLE   4,390 0 0
UNDER ARMOUR INC CONSUMER DISCRETIONARY 904311107 17 150 SH   SOLE   150 0 0
UNILEVER PLC FOREIGN EQUITIES 904767704 69 1,617 SH   SOLE   1,617 0 0
UNION PACIFIC CORP INDUSTRIALS 907818108 30 160 SH   SOLE   160 0 0
UNITED PARCEL SERVICE INDUSTRIALS 911312106 11 110 SH   SOLE   110 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,886 24,698 SH   SOLE   24,666 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 355 3,040 SH   DFND   2,130 910 0
UNITED HEALTHCARE GROUP INC HEALTHCARE 91324P102 30 360 SH   SOLE   360 0 0
ETF VANGUARD STAR FUND EXCHANGE TRADED FUNDS 921909768 1,357 26,000 SH   SOLE   26,000 0 0
ETF VANGUARD TOTAL BOND MARKET FIXED INCOME 921937835 658 8,101 SH   SOLE   7,251 0 850
VANGUARD FTSE DEVELOPED MARKET ETF EXCHANGE TRADED FUNDS 921943858 58 1,415 SH   SOLE   1,415 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND EXCHANGE TRADED FUNDS 922042742 47 790 SH   SOLE   790 0 0
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUNDS 922042858 1,884 46,428 SH   SOLE   46,318 0 110
VANGUARD MSCI EMERGING MARKETS ETF EXCHANGE TRADED FUNDS 922042858 42 1,035 SH   DFND   910 125 0
ETF VANGUARD RUSSELL 3000 EXCHANGE TRADED FUNDS 92206C599 5,363 61,500 SH   SOLE   61,500 0 0
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 1,904 40,039 SH   SOLE   39,994 0 45
VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 316 6,649 SH   DFND   4,174 2,475 0
VISA INC - CLASS A SHARES FINANCIALS 92826C839 16 75 SH   SOLE   75 0 0
VMWARE INC INFORMATION TECHNOLOGY 928563402 11 100 SH   SOLE   100 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 480 6,285 SH   SOLE   6,285 0 0
WAL MART STORES INC CONSUMER STAPLES 931142103 145 1,900 SH   DFND   1,500 400 0
WALGREEN CO CONSUMER STAPLES 931422109 205 3,105 SH   SOLE   3,105 0 0
WALGREEN CO CONSUMER STAPLES 931422109 123 1,867 SH   DFND   400 1,467 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 748 17,788 SH   SOLE   17,788 0 0
WASTE MANAGEMENT INC NEW INDUSTRIALS 94106L109 106 2,530 SH   DFND   1,305 1,225 0
WELLPOINT INC. HEALTHCARE 94973V107 8 80 SH   SOLE   80 0 0
WELLS FARGO & CO NEW FINANCIALS 949746101 46 929 SH   SOLE   922 0 7
WELLS FARGO & CO NEW FINANCIALS 949746101 27 550 SH   DFND   0 550 0
WESTERN GAS PARTNERS LP ENERGY 958254104 42 635 SH   SOLE   635 0 0
WORLD FUEL SERVICES CORPORATION INDUSTRIALS 981475106 305 6,925 SH   SOLE   6,925 0 0
WYNN RESORTS, LIMITED CONSUMER DISCRETIONARY 983134107 11 50 SH   SOLE   50 0 0
YRC WORLDWIDE INC INDUSTRIALS 984249607 0 2 SH   SOLE   2 0 0
YAHOO INC INFORMATION TECHNOLOGY 984332106 9 250 SH   SOLE   250 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 81 1,070 SH   SOLE   1,070 0 0
YUM BRANDS INC. CONSUMER DISCRETIONARY 988498101 45 600 SH   DFND   0 600 0
ZIMMER HOLDINGS INC. HEALTHCARE 98956P102 9 100 SH   SOLE   100 0 0