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 513 3,800 SH   SOLE   3,800 0 0
EATON CORP PLC INDUSTRIALS G29183103 8 100 SH   SOLE   100 0 0
NIELSEN HOLDINGS PLC INDUSTRIALS G6518L108 7 170 SH   DFND   0 170 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 5 100 SH   SOLE   100 0 0
CHECK POINT SOFTWARE TECHONOLOGIES LTD INFORMATION TECHNOLOGY M22465104 7 60 SH   DFND   60 0 0
STRATASYS LTD TELECOM. SERVICES M85548101 0 15 SH   SOLE   15 0 0
AFLAC INC. FINANCIALS 001055102 58 715 SH   SOLE   715 0 0
AFLAC INC. FINANCIALS 001055102 35 425 SH   DFND   300 125 0
AT&T INC. TELECOM. SERVICES 00206R102 1,654 42,232 SH   SOLE   42,172 0 60
AT&T INC. TELECOM. SERVICES 00206R102 409 10,441 SH   DFND   5,011 5,430 0
ABBOTT LABS HEALTHCARE 002824100 232 4,349 SH   SOLE   4,349 0 0
ABBOTT LABS HEALTHCARE 002824100 164 3,065 SH   DFND   1,370 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 591 6,650 SH   SOLE   6,650 0 0
ABBVIE INC. HEALTHCARE 00287Y109 280 3,150 SH   DFND   1,340 1,810 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 126 1,960 SH   SOLE   1,960 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 49 330 SH   SOLE   330 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 355 2,233 SH   SOLE   2,233 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 23 305 SH   SOLE   305 0 0
ALCOA CORP MATERIALS 013872106 6 119 SH   SOLE   119 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 2 10 SH   SOLE   10 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 0 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 28 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 187 2,951 SH   SOLE   2,951 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 1,710 1,779 SH   SOLE   1,779 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 19 20 SH   DFND   10 10 0
AMBEV SA-ADR CONSUMER STAPLES 02319V103 9 1,300 SH   DFND   0 1,300 0
AMERICAN ELEC PWR INC UTILITIES 025537101 4 50 SH   SOLE   50 0 0
AMERICAN EXPRESS FINANCIALS 025816109 284 3,137 SH   SOLE   3,100 0 37
AMERICAN EXPRESS FINANCIALS 025816109 35 385 SH   DFND   285 100 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 23 380 SH   SOLE   380 0 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 6 90 SH   DFND   90 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 458 3,348 SH   SOLE   3,348 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 264 1,415 SH   SOLE   1,415 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 16 320 SH   SOLE   320 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,046 19,764 SH   SOLE   19,764 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 172 1,115 SH   DFND   725 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 183 3,520 SH   SOLE   3,520 0 0
AQUA AMERICA INC UTILITIES 03836W103 432 13,015 SH   SOLE   13,015 0 0
AQUA AMERICA INC UTILITIES 03836W103 29 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 6 30 SH   SOLE   30 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 177 5,160 SH   SOLE   5,160 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 15 450 SH   SOLE   450 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 44 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 533 4,878 SH   SOLE   4,878 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 302 2,760 SH   DFND   1,460 1,300 0
BP P.L.C. ENERGY 055622104 78 2,031 SH   SOLE   2,031 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 2 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 4 15 SH   SOLE   15 0 0
BALL CORPORATION MATERIALS 058498106 5 124 SH   SOLE   124 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 146 5,750 SH   SOLE   5,691 0 59
BANK OF AMERICA CORP FINANCIALS 060505104 12 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 87 1,650 SH   SOLE   1,650 0 0
IPATH S&P GSCI CRUDE OIL TOTAL RETURN INDEX ETN ASSET ALLOCATION 06738C786 10 1,925 SH   SOLE   1,925 0 0
BARRICK GOLD CORP MATERIALS 067901108 6 360 SH   SOLE   360 0 0
BARRICK GOLD CORP MATERIALS 067901108 11 685 SH   DFND   0 685 0
BECTON DICKINSON & CO HEALTHCARE 075887109 369 1,885 SH   SOLE   1,870 0 15
BECTON DICKINSON & CO HEALTHCARE 075887109 49 250 SH   DFND   0 250 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,192 6,501 SH   SOLE   6,501 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 22 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 20 63 SH   SOLE   63 0 0
BLACKROCK INC FINANCIALS 09247X101 163 365 SH   SOLE   365 0 0
BLACKROCK INC FINANCIALS 09247X101 16 35 SH   DFND   20 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 137 4,116 SH   SOLE   4,116 0 0
BOEING INDUSTRIALS 097023105 749 2,946 SH   SOLE   2,921 0 25
BOEING INDUSTRIALS 097023105 278 1,095 SH   DFND   550 545 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,120 17,568 SH   SOLE   17,568 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 469 7,365 SH   DFND   4,000 3,365 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 73 1,275 SH   SOLE   1,275 0 0
CBOE HOLDINGS INC FINANCIALS 12503M108 11 100 SH   SOLE   100 0 0
CSX CORPORATION INDUSTRIALS 126408103 273 5,035 SH   SOLE   5,035 0 0
CSX CORPORATION INDUSTRIALS 126408103 114 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 861 10,588 SH   SOLE   10,588 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 50 610 SH   DFND   60 550 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 101 2,160 SH   SOLE   2,160 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 3 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 50 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 15 175 SH   SOLE   175 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 8 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 852 6,832 SH   SOLE   6,807 0 25
CATERPILLAR INC INDUSTRIALS 149123101 335 2,685 SH   DFND   1,985 700 0
CELGENE CORP HEALTHCARE 151020104 664 4,557 SH   SOLE   4,557 0 0
CELGENE CORP HEALTHCARE 151020104 27 185 SH   DFND   70 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 35 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 204 7,000 SH   DFND   7,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 26 1,351 SH   SOLE   1,351 0 0
CHEVRON CORPORATION ENERGY 166764100 1,144 9,738 SH   SOLE   9,738 0 0
CHEVRON CORPORATION ENERGY 166764100 281 2,393 SH   DFND   1,395 998 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 683 20,306 SH   SOLE   20,241 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 60 1,775 SH   DFND   0 1,775 0
CITIGROUP INC. FINANCIALS 172967424 13 173 SH   SOLE   173 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 53 400 SH   SOLE   400 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 26 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COACH INC. CONSUMER DISCRETIONARY 189754104 4 100 SH   SOLE   100 0 0
COCA COLA CO CONSUMER STAPLES 191216100 692 15,369 SH   SOLE   15,369 0 0
COCA COLA CO CONSUMER STAPLES 191216100 350 7,785 SH   DFND   4,080 3,705 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 15 200 SH   SOLE   200 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 2 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 873 11,979 SH   SOLE   11,979 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 219 3,010 SH   DFND   2,550 460 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 93 2,425 SH   SOLE   2,425 0 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 4 100 SH   DFND   100 0 0
CONOCOPHILLIPS ENERGY 20825C104 432 8,632 SH   SOLE   8,632 0 0
CONOCOPHILLIPS ENERGY 20825C104 146 2,925 SH   DFND   2,190 735 0
CONSOLIDATED EDISON INC UTILITIES 209115104 192 2,375 SH   SOLE   2,375 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 101 3,370 SH   SOLE   3,300 0 70
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 321 1,954 SH   SOLE   1,954 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 19 125 SH   SOLE   125 0 0
CUMMINS INC INDUSTRIALS 231021106 148 882 SH   SOLE   882 0 0
CUMMINS INC INDUSTRIALS 231021106 18 110 SH   DFND   110 0 0
DTE ENERGY CO UTILITIES 233331107 30 280 SH   SOLE   280 0 0
DANAHER CORP INDUSTRIALS 235851102 171 1,989 SH   SOLE   1,989 0 0
DANAHER CORP INDUSTRIALS 235851102 54 635 SH   DFND   460 175 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 229 1,820 SH   SOLE   1,820 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 26 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 15 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 50 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 26 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,205 12,222 SH   SOLE   12,197 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 133 1,353 SH   DFND   0 1,353 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 33 508 SH   SOLE   508 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 12 150 SH   SOLE   150 0 0
DOMINION RESOURCES UTILITIES 25746U109 209 2,718 SH   SOLE   2,718 0 0
DOMINION RESOURCES UTILITIES 25746U109 49 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 5 25 SH   SOLE   25 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 89 1,063 SH   SOLE   1,063 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 14 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 16 165 SH   SOLE   165 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 27 712 SH   SOLE   712 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 4 35 SH   SOLE   35 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 200 3,175 SH   SOLE   3,175 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 305 4,855 SH   DFND   1,450 3,405 0
ENBRIDGE INC ENERGY 29250N105 13 315 SH   SOLE   315 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 10 816 SH   SOLE   816 0 0
ENTERGY CORPORATION UTILITIES 29364G103 61 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 61 2,356 SH   SOLE   2,356 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 35 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 4 193 SH   DFND   93 0 100
EXELON CORP UTILITIES 30161N101 51 1,365 SH   DFND   1,090 275 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 159 2,509 SH   SOLE   2,509 0 0
EXXON MOBIL CORP ENERGY 30231G102 1,888 23,038 SH   SOLE   23,001 0 37
EXXON MOBIL CORP ENERGY 30231G102 851 10,382 SH   DFND   2,308 8,074 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 954 5,583 SH   SOLE   5,583 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 30 175 SH   DFND   70 105 0
FEDEX CORPORATION INDUSTRIALS 31428X106 111 492 SH   SOLE   492 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 35 155 SH   DFND   125 30 0
FIDELITY NATIONAL INFORMATION SERVICES FINANCIALS 31620M106 8 90 SH   DFND   90 0 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 11 590 SH   SOLE   590 0 0
FIRSTENERGY CORP UTILITIES 337932107 13 408 SH   SOLE   408 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 160 13,340 SH   SOLE   13,340 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 4 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 22 317 SH   DFND   230 87 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 7 150 SH   SOLE   150 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 152 740 SH   SOLE   740 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 1,201 49,657 SH   SOLE   49,607 0 50
GENERAL ELECTRIC CO INDUSTRIALS 369604103 437 18,074 SH   DFND   4,819 13,155 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 34 665 SH   SOLE   665 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 145 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 17 175 SH   SOLE   175 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 570 7,041 SH   SOLE   7,041 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 12 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 20 915 SH   SOLE   915 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 11 275 SH   SOLE   275 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 16 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 62 260 SH   SOLE   260 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 3 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 30 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 28 600 SH   SOLE   600 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 26 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 21 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 67 1,285 SH   SOLE   1,285 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,090 6,665 SH   SOLE   6,665 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 516 3,155 SH   DFND   1,050 2,105 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 102 720 SH   SOLE   720 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 3 30 SH   SOLE   30 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 290 1,962 SH   SOLE   1,962 0 0
INGREDION INC CONSUMER STAPLES 457187102 39 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 1,633 42,900 SH   SOLE   42,835 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 437 11,485 SH   DFND   6,610 4,875 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 11 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 935 6,447 SH   SOLE   6,447 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 253 1,742 SH   DFND   500 1,242 0
INTERNATIONAL PAPER CO MATERIALS 460146103 78 1,380 SH   SOLE   1,345 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 11 190 SH   DFND   90 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 4 4 SH   SOLE   4 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 2 150 SH   SOLE   150 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 2 100 SH   SOLE   100 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 3 100 SH   SOLE   100 0 0
ISHARES MSCI CANADA ETF MUTUAL FUND 464286509 7 250 SH   DFND   250 0 0
ISHARES MSCI HONG KONG ETF MUTUAL FUND 464286871 2 100 SH   SOLE   100 0 0
ISHARES S & P 100 ETF MUTUAL FUND 464287101 1,117 10,035 SH   SOLE   10,035 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 102 1,090 SH   SOLE   1,090 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,849 60,304 SH   SOLE   59,819 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 895 7,877 SH   DFND   6,085 1,792 0
ISHARES CHINA LARGE CAP ETF MUTUAL FUND 464287184 5 115 SH   DFND   0 115 0
ISHARES CORE TOTAL US AGGREGATE BOND ETF FIXED INCOME 464287226 1,092 9,964 SH   SOLE   9,964 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 16 114 SH   SOLE   114 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 4 31 SH   SOLE   31 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 929 13,567 SH   SOLE   13,480 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 32 470 SH   DFND   0 470 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 84 426 SH   SOLE   426 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 197 1,576 SH   SOLE   1,576 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 129 720 SH   SOLE   720 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 134 903 SH   SOLE   903 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 2,344 31,583 SH   SOLE   31,503 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 50 673 SH   DFND   0 673 0
ETF ISHARES GLOBAL CLEAN ENERGY Exchange Traded Funds - Equity 464288224 10 1,155 SH   SOLE   1,155 0 0
ISHARES MSCI KLD 400 SOCIAL MUTUAL FUND 464288570 20 215 SH   SOLE   215 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 21 200 SH   SOLE   200 0 0
ISHARES MSCI SINGAPORE CAPPED ETF Exchange Traded Funds - Equity 46434G780 12 480 SH   SOLE   480 0 0
ISHARES MSCI SINGAPORE CAPPED ETF Exchange Traded Funds - Equity 46434G780 6 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,475 15,440 SH   SOLE   15,415 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 184 1,925 SH   DFND   830 1,095 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 3 70 SH   SOLE   70 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 3,162 24,318 SH   SOLE   24,288 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 864 6,645 SH   DFND   2,485 4,160 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 31 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 12 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 10 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 174 1,478 SH   SOLE   1,478 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 126 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 6 300 SH   SOLE   300 0 0
LEGACY RESERVES ENERGY 524707304 0 200 SH   SOLE   200 0 0
LEUCADIA NATIONAL CORP FINANCIALS 527288104 10 405 SH   SOLE   405 0 0
ELI LILLY & CO HEALTHCARE 532457108 347 4,052 SH   SOLE   4,052 0 0
ELI LILLY & CO HEALTHCARE 532457108 379 4,435 SH   DFND   4,290 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 10 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 929 2,995 SH   SOLE   2,995 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 406 1,310 SH   DFND   990 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 191 2,392 SH   SOLE   2,317 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 64 800 SH   DFND   800 0 0
MPLX LP ENERGY 55336V100 6 160 SH   SOLE   160 0 0
MACY'S INC CONSUMER DISCRETIONARY 55616P104 1 59 SH   SOLE   59 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 10 480 SH   SOLE   480 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 5 5 SH   SOLE   5 0 0
MARTIN MARIETTA MATERIALS INC MATERIALS 573284106 2 10 SH   SOLE   10 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 64 455 SH   SOLE   455 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 9 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 2 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 28 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 72 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,284 8,196 SH   SOLE   8,181 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 717 4,577 SH   DFND   2,040 2,537 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 64 415 SH   SOLE   415 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 1 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 547 8,543 SH   SOLE   8,543 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 123 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 310 5,970 SH   SOLE   5,940 0 30
METLIFE INC FINANCIALS 59156R108 4 80 SH   DFND   80 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 1,678 22,530 SH   SOLE   22,530 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 375 5,030 SH   DFND   3,030 2,000 0
MOLSON COORS BREWING CO - B CONSUMER STAPLES 60871R209 7 85 SH   SOLE   85 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 38 945 SH   SOLE   945 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 41 1,000 SH   DFND   0 1,000 0
MONSANTO COMPANY MATERIALS 61166W101 13 105 SH   SOLE   105 0 0
MONSANTO COMPANY MATERIALS 61166W101 10 80 SH   DFND   0 80 0
MORGAN STANLEY FINANCIALS 617446448 105 2,179 SH   SOLE   2,179 0 0
MORGAN STANLEY FINANCIALS 617446448 6 130 SH   DFND   130 0 0
NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 12 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 4 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 4 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 85 470 SH   SOLE   470 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 38 912 SH   SOLE   912 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 1 16 SH   SOLE   16 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,206 8,232 SH   SOLE   8,232 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 387 2,640 SH   DFND   2,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 299 5,770 SH   SOLE   5,770 0 0
NOBLE ENERGY INC. ENERGY 655044105 9 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 6 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 26 90 SH   SOLE   90 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 11 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 36 640 SH   SOLE   640 0 0
NUCOR MATERIALS 670346105 78 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 30 170 SH   SOLE   170 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 46 710 SH   SOLE   710 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 174 3,607 SH   SOLE   3,607 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 17 350 SH   DFND   180 170 0
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PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 22 165 SH   SOLE   165 0 0
PPG INDUSTRIES MATERIALS 693506107 30 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 17 450 SH   SOLE   450 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,232 20,030 SH   SOLE   19,995 0 35
PEPSICO INC CONSUMER STAPLES 713448108 481 4,320 SH   DFND   1,845 2,475 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 13 190 SH   SOLE   190 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 3 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 482 13,500 SH   SOLE   13,500 0 0
PFIZER INC HEALTHCARE 717081103 297 8,306 SH   DFND   5,750 2,556 0
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PHILLIPS 66 ENERGY 718546104 373 4,073 SH   SOLE   4,073 0 0
PHILLIPS 66 ENERGY 718546104 129 1,407 SH   DFND   1,095 312 0
PLAINS ALL AMERICAN PIPELINE ENERGY 726503105 29 1,350 SH   SOLE   1,350 0 0
PLUG POWER INC. INFORMATION TECHNOLOGY 72919P202 0 110 SH   SOLE   110 0 0
POST HOLDINGS INC CONSUMER STAPLES 737446104 4 50 SH   SOLE   50 0 0
POWERSHARES QQQ MUTUAL FUND 73935A104 40 275 SH   SOLE   275 0 0
PRAXAIR MATERIALS 74005P104 205 1,466 SH   SOLE   1,466 0 0
PRAXAIR MATERIALS 74005P104 241 1,725 SH   DFND   825 900 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 20 1,040 SH   SOLE   1,040 0 0
PRICELINE GROUP INC INFORMATION TECHNOLOGY 741503403 13 7 SH   SOLE   7 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 2,201 24,188 SH   SOLE   24,153 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 687 7,552 SH   DFND   2,915 4,637 0
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PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 100 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 501 9,658 SH   SOLE   9,628 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 65 1,260 SH   DFND   665 595 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 46 245 SH   SOLE   245 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 93 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 45 100 SH   SOLE   100 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 25 405 SH   SOLE   405 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 25 300 SH   SOLE   300 0 0
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SCHLUMBERGER LTD ENERGY 806857108 194 2,775 SH   SOLE   2,760 0 15
SCHLUMBERGER LTD ENERGY 806857108 59 842 SH   DFND   42 800 0
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SEATTLE GENETICS INC HEALTHCARE 812578102 5 100 SH   SOLE   100 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 27 450 SH   DFND   0 450 0
SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 11 30 SH   SOLE   30 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 143 887 SH   SOLE   887 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 85 814 SH   SOLE   814 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 100 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 91 609 SH   SOLE   609 0 0
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SOUTHERN CO UTILITIES 842587107 210 4,280 SH   DFND   2,850 1,430 0
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SOUTHWEST GAS CORP ENERGY 844895102 12 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 3 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 338 6,302 SH   SOLE   6,302 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 5 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 4 120 SH   SOLE   120 0 0
STRYKER CORP HEALTHCARE 863667101 518 3,647 SH   SOLE   3,615 0 32
STRYKER CORP HEALTHCARE 863667101 41 290 SH   DFND   180 110 0
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TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 22 295 SH   SOLE   295 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 7 90 SH   DFND   90 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 10 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 216 3,660 SH   SOLE   3,618 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 90 1,530 SH   DFND   670 860 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 65 192 SH   SOLE   192 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 5 268 SH   SOLE   268 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 48 535 SH   SOLE   535 0 0
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 4 50 SH   DFND   50 0 0
TEXTRON INC INDUSTRIALS 883203101 4 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 4 60 SH   SOLE   60 0 0
3D SYSTEMS CORP CONSUMER DISCRETIONARY 88554D205 0 25 SH   SOLE   25 0 0
3M CO COM INDUSTRIALS 88579Y101 366 1,744 SH   SOLE   1,744 0 0
3M CO COM INDUSTRIALS 88579Y101 318 1,515 SH   DFND   1,000 515 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 80 785 SH   SOLE   785 0 0
TIME WARNER INC NEW CONSUMER DISCRETIONARY 887317303 7 70 SH   DFND   70 0 0
TORONTO-DOMINION BANK NEW FOREIGN EQUITIES 891160509 70 1,243 SH   SOLE   1,243 0 0
TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
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TRIPADVISOR INC INFORMATION TECHNOLOGY 896945201 3 70 SH   SOLE   70 0 0
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TRUSTCO BK CORP N Y COM FINANCIALS 898349105 12 1,400 SH   DFND   0 1,400 0
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US BANCORP DEL COM NEW FINANCIALS 902973304 192 3,585 SH   SOLE   3,585 0 0
ULTA SALON COSMETICS & FRAGRANCE, INC. CONSUMER DISCRETIONARY 90384S303 1 6 SH   SOLE   6 0 0
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UNITED PARCEL SERVICE INDUSTRIALS 911312106 67 555 SH   SOLE   555 0 0
UNITED STATES STEEL CORP INDUSTRIALS 912909108 7 275 SH   SOLE   275 0 0
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 2,047 17,632 SH   SOLE   17,600 0 32
UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 400 3,445 SH   DFND   2,075 1,370 0
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UNITEDHEALTH GROUP INC HEALTHCARE 91324P102 9 45 SH   DFND   45 0 0
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VALERO ENERGY NEW ENERGY 91913Y100 27 345 SH   SOLE   345 0 0
VALERO ENERGY NEW ENERGY 91913Y100 9 115 SH   DFND   0 115 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 352 7,117 SH   DFND   3,699 3,418 0
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VMWARE INC INFORMATION TECHNOLOGY 928563402 8 75 SH   SOLE   75 0 0
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WELLS FARGO & CO NEW FINANCIALS 949746101 51 920 SH   DFND   700 220 0
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WHIRLPOOL CORP CONSUMER DISCRETIONARY 963320106 28 150 SH   SOLE   150 0 0
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