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 618 3,777 SH   SOLE   3,777 0 0
EATON CORP PLC INDUSTRIALS G29183103 7 100 SH   SOLE   100 0 0
NORWEGIAN CRUISE LINE HOLDINGS LTD CONSUMER DISCRETIONARY G66721104 5 100 SH   SOLE   100 0 0
WIX.COM LTD INFORMATION TECHNOLOGY M98068105 4 40 SH   SOLE   40 0 0
AFLAC INC. FINANCIALS 001055102 11 250 SH   DFND   0 250 0
AT&T INC. TELECOM. SERVICES 00206R102 1,409 43,868 SH   SOLE   43,808 0 60
AT&T INC. TELECOM. SERVICES 00206R102 339 10,571 SH   DFND   5,011 5,560 0
ABBOTT LABS HEALTHCARE 002824100 311 5,096 SH   SOLE   5,096 0 0
ABBOTT LABS HEALTHCARE 002824100 180 2,945 SH   DFND   1,250 1,695 0
ABBVIE INC. HEALTHCARE 00287Y109 883 9,528 SH   SOLE   9,528 0 0
ABBVIE INC. HEALTHCARE 00287Y109 284 3,060 SH   DFND   1,250 1,810 0
ABERCROMBIE & FITCH CO. CONSUMER DISCRETIONARY 002896207 0 3 SH   SOLE   3 0 0
ACTIVISION BLIZZARD, INC. INFORMATION TECHNOLOGY 00507V109 156 2,040 SH   SOLE   2,040 0 0
ADOBE SYSTEMS INC INFORMATION TECHNOLOGY 00724F101 82 338 SH   SOLE   338 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 3 200 SH   SOLE   200 0 0
ADVANCED MICRO DEVICES INC INFORMATION TECHNOLOGY 007903107 1 100 SH   DFND   0 0 100
AETNA INC COM HEALTHCARE 00817Y108 386 2,103 SH   SOLE   2,103 0 0
ALASKA AIR GROUP INC CONSUMER DISCRETIONARY 011659109 17 285 SH   SOLE   285 0 0
ALCOA CORP MATERIALS 013872106 6 119 SH   SOLE   119 0 0
ALIGN TECHNOLOGY INC. HEALTHCARE 016255101 3 10 SH   SOLE   10 0 0
ALLEGHENY TECHNOLOGIES, INC INDUSTRIALS 01741R102 1 20 SH   SOLE   20 0 0
ALLSTATE CORP FINANCIALS 020002101 27 300 SH   SOLE   300 0 0
ALLSTATE CORP FINANCIALS 020002101 27 300 SH   DFND   0 300 0
ALTRIA GROUP, INC. CONSUMER STAPLES 02209S103 190 3,352 SH   SOLE   3,352 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 3,211 1,889 SH   SOLE   1,889 0 0
AMAZON. COM, INC CONSUMER DISCRETIONARY 023135106 34 20 SH   DFND   10 10 0
AMBEV SA-ADR CONSUMER STAPLES 02319V103 6 1,300 SH   DFND   0 1,300 0
AMERICAN EXPRESS FINANCIALS 025816109 247 2,521 SH   SOLE   2,484 0 37
AMERICAN EXPRESS FINANCIALS 025816109 52 535 SH   DFND   235 300 0
AMERICAN INTERNATIONAL GROUP INC FINANCIALS 026874784 19 356 SH   SOLE   356 0 0
AMERICAN TOWER CORPORATION TELECOM. SERVICES 03027X100 464 3,218 SH   SOLE   3,218 0 0
AMGEN INCORPORATED HEALTHCARE 031162100 251 1,361 SH   SOLE   1,361 0 0
AMPHENOL CORPORATION-CL A INDUSTRIALS 032095101 2 20 SH   SOLE   20 0 0
ANADARKO PETROLEUM CORP ENERGY 032511107 16 219 SH   SOLE   219 0 0
APPIAN CORPORATION INFORMATION TECHNOLOGY 03782L101 4 100 SH   SOLE   100 0 0
APPLE INC INFORMATION TECHNOLOGY 037833100 3,634 19,633 SH   SOLE   19,613 0 20
APPLE INC INFORMATION TECHNOLOGY 037833100 191 1,030 SH   DFND   640 390 0
APPLIED MATL INC INFORMATION TECHNOLOGY 038222105 141 3,046 SH   SOLE   3,046 0 0
AQUA AMERICA INC UTILITIES 03836W103 447 12,705 SH   SOLE   12,705 0 0
AQUA AMERICA INC UTILITIES 03836W103 31 875 SH   DFND   0 875 0
ARISTA NETWORKS INC. INFORMATION TECHNOLOGY 040413106 10 40 SH   SOLE   40 0 0
ARROW FINANCIAL CORPORATION FINANCIALS 042744102 91 2,496 SH   SOLE   2,496 0 0
ASTRAZENECA PLC - ADR HEALTHCARE 046353108 11 320 SH   SOLE   320 0 0
ATHENAHEALTH INC. HEALTHCARE 04685W103 56 350 SH   SOLE   350 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 614 4,578 SH   SOLE   4,578 0 0
AUTOMATIC DATA PROCESSING INC INFORMATION TECHNOLOGY 053015103 374 2,790 SH   DFND   1,460 1,330 0
BP P.L.C. ENERGY 055622104 117 2,563 SH   SOLE   2,563 0 0
BP PRUDHOE BAY ROYALTY TRUST ENERGY 055630107 3 100 SH   SOLE   100 0 0
BAIDU INC - SPON ADR INFORMATION TECHNOLOGY 056752108 7 27 SH   SOLE   27 0 0
BALL CORPORATION MATERIALS 058498106 4 124 SH   SOLE   124 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 205 7,275 SH   SOLE   7,275 0 0
BANK OF AMERICA CORP FINANCIALS 060505104 13 478 SH   DFND   0 478 0
BANK OF NEW YORK MELLON CORP FINANCIALS 064058100 69 1,281 SH   SOLE   1,281 0 0
BARRICK GOLD CORP MATERIALS 067901108 5 360 SH   SOLE   360 0 0
BAXTER INTERNATIONAL INC. HEALTHCARE 071813109 49 666 SH   SOLE   666 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 419 1,750 SH   SOLE   1,750 0 0
BECTON DICKINSON & CO HEALTHCARE 075887109 56 235 SH   DFND   0 235 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 1,303 6,981 SH   SOLE   6,981 0 0
BERKSHIRE HATHAWAY INC. DEL CLASS B FINANCIALS 084670702 23 122 SH   DFND   0 122 0
BIOGEN INC HEALTHCARE 09062X103 19 65 SH   SOLE   65 0 0
BLACKROCK INC FINANCIALS 09247X101 285 571 SH   SOLE   571 0 0
BLACKROCK INC FINANCIALS 09247X101 7 15 SH   DFND   0 15 0
THE BLACKSTONE GROUP LP FINANCIALS 09253U108 123 3,840 SH   SOLE   3,840 0 0
BOEING INDUSTRIALS 097023105 983 2,930 SH   SOLE   2,905 0 25
BOEING INDUSTRIALS 097023105 334 995 SH   DFND   500 495 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 1,046 18,901 SH   SOLE   18,901 0 0
BRISTOL MYERS SQUIBB CO HEALTHCARE 110122108 352 6,365 SH   DFND   3,000 3,365 0
BUCKEYE PARTNERS, L.P. ENERGY 118230101 45 1,275 SH   SOLE   1,275 0 0
CBOE GLOBAL MARKETS, INC. FINANCIALS 12503M108 10 100 SH   SOLE   100 0 0
CSX CORPORATION INDUSTRIALS 126408103 313 4,910 SH   SOLE   4,910 0 0
CSX CORPORATION INDUSTRIALS 126408103 134 2,100 SH   DFND   2,100 0 0
CVS HEALTH CORP CONSUMER STAPLES 126650100 638 9,908 SH   SOLE   9,908 0 0
CAMPBELL SOUP COMPANY CONSUMER STAPLES 134429109 84 2,080 SH   SOLE   2,080 0 0
CANADIAN NATIONAL RAILWAY CO FOREIGN EQUITIES 136375102 3 40 SH   SOLE   40 0 0
CANADIAN PACIFIC RAILWAY LTD FOREIGN EQUITIES 13645T100 55 298 SH   SOLE   298 0 0
CAPITAL ONE FINANCIAL CORP FINANCIALS 14040H105 8 90 SH   SOLE   90 0 0
CASEY'S GENERAL STORES INC CONSUMER DISCRETIONARY 147528103 7 70 SH   SOLE   70 0 0
CATERPILLAR INC INDUSTRIALS 149123101 1,044 7,694 SH   SOLE   7,669 0 25
CATERPILLAR INC INDUSTRIALS 149123101 289 2,130 SH   DFND   1,485 645 0
CELGENE CORP HEALTHCARE 151020104 321 4,039 SH   SOLE   4,039 0 0
CELGENE CORP HEALTHCARE 151020104 9 115 SH   DFND   0 115 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 33 1,200 SH   SOLE   1,200 0 0
CENTERPOINT ENERGY, INC UTILITIES 15189T107 139 5,000 SH   DFND   5,000 0 0
CENTURYTEL INC TELECOM. SERVICES 156700106 22 1,181 SH   SOLE   1,181 0 0
CHARTER COMMUNICATIONS,INC-A TELECOM. SERVICES 16119P108 20 68 SH   SOLE   68 0 0
CHESAPEAKE ENERGY CORP ENERGY 165167107 7 1,250 SH   SOLE   1,250 0 0
CHEVRON CORPORATION ENERGY 166764100 1,187 9,391 SH   SOLE   9,391 0 0
CHEVRON CORPORATION ENERGY 166764100 303 2,393 SH   DFND   1,395 998 0
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 854 19,863 SH   SOLE   19,798 0 65
CISCO SYSTEMS INC. INFORMATION TECHNOLOGY 17275R102 76 1,775 SH   DFND   0 1,775 0
CIRRUS LOGIC INC INFORMATION TECHNOLOGY 172755100 4 100 SH   SOLE   100 0 0
CITIGROUP INC. FINANCIALS 172967424 32 483 SH   SOLE   483 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 54 400 SH   SOLE   400 0 0
CLOROX COMPANY CONSUMER STAPLES 189054109 27 200 SH   DFND   0 200 0
CLOUD PEAK ENERGY INC. ENERGY 18911Q102 1 175 SH   SOLE   175 0 0
COCA COLA CO CONSUMER STAPLES 191216100 657 14,982 SH   SOLE   14,982 0 0
COCA COLA CO CONSUMER STAPLES 191216100 348 7,925 SH   DFND   4,080 3,845 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP INFORMATION TECHNOLOGY 192446102 16 200 SH   SOLE   200 0 0
COHERENT INC. INFORMATION TECHNOLOGY 192479103 1 8 SH   SOLE   8 0 0
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 750 11,565 SH   SOLE   11,530 0 35
COLGATE PALMOLIVE CONSUMER STAPLES 194162103 180 2,770 SH   DFND   2,500 270 0
COMCAST CORP NEW CL A CONSUMER DISCRETIONARY 20030N101 79 2,402 SH   SOLE   2,402 0 0
CONOCOPHILLIPS ENERGY 20825C104 561 8,062 SH   SOLE   8,062 0 0
CONOCOPHILLIPS ENERGY 20825C104 190 2,725 SH   DFND   2,190 535 0
CONSOLIDATED EDISON INC UTILITIES 209115104 124 1,591 SH   SOLE   1,591 0 0
CORNING INC INFORMATION TECHNOLOGY 219350105 91 3,300 SH   SOLE   3,300 0 0
COSTCO WHSL CORP NEW CONSUMER STAPLES 22160K105 327 1,566 SH   SOLE   1,566 0 0
CRACKER BARREL OLD COUNTRY CONSUMER DISCRETIONARY 22410J106 20 125 SH   SOLE   125 0 0
CUMMINS INC INDUSTRIALS 231021106 117 882 SH   SOLE   882 0 0
CUMMINS INC INDUSTRIALS 231021106 15 110 SH   DFND   110 0 0
DNP SELECT INCOME FUND INC FIXED INCOME 23325P104 16 1,500 SH   SOLE   1,500 0 0
DTE ENERGY CO UTILITIES 233331107 29 280 SH   SOLE   280 0 0
DANAHER CORP INDUSTRIALS 235851102 182 1,844 SH   SOLE   1,844 0 0
DANAHER CORP INDUSTRIALS 235851102 82 835 SH   DFND   460 375 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 270 1,930 SH   SOLE   1,930 0 0
DEERE & CO (JOHN DEERE) INDUSTRIALS 244199105 29 210 SH   DFND   0 210 0
DELTA AIR LINES INC CONSUMER DISCRETIONARY 247361702 16 320 SH   SOLE   320 0 0
DENTSPLY SIRONA INC CONSUMER DISCRETIONARY 24906P109 37 838 SH   SOLE   838 0 0
DIAGEO PLC CONSUMER DISCRETIONARY 25243Q205 29 200 SH   SOLE   200 0 0
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 1,362 12,992 SH   SOLE   12,967 0 25
DISNEY (WALT) COMPANY HOLDING CO CONSUMER DISCRETIONARY 254687106 128 1,218 SH   DFND   0 1,218 0
DISCOVER FINANCIAL SERVICES FINANCIALS 254709108 31 440 SH   SOLE   440 0 0
DOLLAR GENERAL CORP CONSUMER DISCRETIONARY 256677105 15 150 SH   SOLE   150 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 191 2,795 SH   SOLE   2,795 0 0
DOMINION ENERGY, INC. UTILITIES 25746U109 43 635 SH   DFND   635 0 0
DOMINO'S PIZZA INC CONSUMER DISCRETIONARY 25754A201 16 55 SH   SOLE   55 0 0
DUKE ENERGY CORPORATION NEW ENERGY 26441C204 95 1,203 SH   SOLE   1,203 0 0
DUN & BRADSTREET CORP NEW FINANCIALS 26483E100 14 117 SH   SOLE   117 0 0
EOG RESOURCES INC ENERGY 26875P101 19 154 SH   SOLE   154 0 0
EBAY INC CONSUMER DISCRETIONARY 278642103 11 307 SH   SOLE   307 0 0
ELECTRONIC ARTS INC INFORMATION TECHNOLOGY 285512109 6 45 SH   SOLE   45 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 219 3,175 SH   SOLE   3,175 0 0
EMERSON ELECTRIC INDUSTRIALS 291011104 321 4,645 SH   DFND   1,450 3,195 0
ENBRIDGE INC ENERGY 29250N105 22 628 SH   SOLE   628 0 0
ENCANA CORP FOREIGN EQUITIES 292505104 11 816 SH   SOLE   816 0 0
ENTERGY CORPORATION UTILITIES 29364G103 65 800 SH   DFND   800 0 0
ENTERPRISE PRODUCTS PARTNERS L.P. ENERGY 293792107 67 2,416 SH   SOLE   2,416 0 0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT FINANCIALS 29476L107 3 50 SH   SOLE   50 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 42 1,557 SH   SOLE   1,557 0 0
ESPEY MFG. & ELECTRONICS CORP INDUSTRIALS 296650104 5 193 SH   DFND   93 0 100
EXELON CORP UTILITIES 30161N101 4 100 SH   SOLE   100 0 0
EXELON CORP UTILITIES 30161N101 58 1,365 SH   DFND   1,090 275 0
EXPRESS SCRIPTS HOLDING CO HEALTHCARE 30219G108 161 2,089 SH   SOLE   2,089 0 0
EXXON MOBIL CORP ENERGY 30231G102 1,853 22,399 SH   SOLE   22,362 0 37
EXXON MOBIL CORP ENERGY 30231G102 876 10,586 SH   DFND   1,972 8,614 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 1,255 6,458 SH   SOLE   6,458 0 0
FACEBOOK INC INFORMATION TECHNOLOGY 30303M102 34 175 SH   DFND   70 105 0
FAIR ISAAC CORPORATION INFORMATION TECHNOLOGY 303250104 3 15 SH   SOLE   15 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 199 877 SH   SOLE   877 0 0
FEDEX CORPORATION INDUSTRIALS 31428X106 35 155 SH   DFND   125 30 0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF Exchange Traded Funds - Equity 33733E500 29 1,485 SH   SOLE   1,485 0 0
FIRSTENERGY CORP UTILITIES 337932107 11 308 SH   SOLE   308 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 108 9,765 SH   SOLE   9,765 0 0
FORD MOTOR CO DEL CONSUMER DISCRETIONARY 345370860 3 300 SH   DFND   300 0 0
FORTIVE CORPORATION INFORMATION TECHNOLOGY 34959J108 22 287 SH   DFND   100 187 0
FRANKLIN RESOURCES, INC. FINANCIALS 354613101 5 150 SH   SOLE   150 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 286 1,535 SH   SOLE   1,535 0 0
GENERAL DYNAMICS CORPORATION INDUSTRIALS 369550108 12 65 SH   DFND   65 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 442 32,445 SH   SOLE   32,445 0 0
GENERAL ELECTRIC CO INDUSTRIALS 369604103 204 14,970 SH   DFND   3,140 11,730 100
GENERAL MILLS, INC CONSUMER STAPLES 370334104 19 435 SH   SOLE   435 0 0
GENERAL MILLS, INC CONSUMER STAPLES 370334104 124 2,800 SH   DFND   2,200 600 0
GENUINE PARTS CONSUMER DISCRETIONARY 372460105 16 175 SH   SOLE   175 0 0
GERON CORP HEALTHCARE 374163103 11 3,250 SH   SOLE   3,250 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 357 5,040 SH   SOLE   5,040 0 0
GILEAD SCIENCES, INC. HEALTHCARE 375558103 11 150 SH   DFND   0 150 0
GLADSTONE COMMERCIAL CORP CONSUMER DISCRETIONARY 376536108 18 915 SH   SOLE   915 0 0
GLAXO SMITHKLINE PLC SPON ADR HEALTHCARE 37733W105 16 400 SH   DFND   400 0 0
GOLDMAN SACHS GROUP INC FINANCIALS 38141G104 38 172 SH   SOLE   172 0 0
GRAPHIC PACKAGING HOLDING COMPANY CONSUMER STAPLES 388689101 4 250 SH   SOLE   250 0 0
HSBC HOLDINGS PLC SPONS ADRS FINANCIALS 404280406 29 607 SH   SOLE   607 0 0
HALLIBURTON COMPANY ENERGY 406216101 24 527 SH   SOLE   527 0 0
HARLEY DAVIDSON CONSUMER DISCRETIONARY 412822108 23 535 SH   SOLE   535 0 0
HARSCO CORP INDUSTRIALS 415864107 22 1,000 SH   DFND   1,000 0 0
HELMERICH & PAYNE, INC. ENERGY 423452101 97 1,515 SH   SOLE   1,515 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 1,390 7,127 SH   SOLE   7,127 0 0
HOME DEPOT INC CONSUMER DISCRETIONARY 437076102 590 3,025 SH   DFND   1,000 2,025 0
HONEYWELL INTERNATIONAL INC INDUSTRIALS 438516106 104 723 SH   SOLE   723 0 0
HUBSPOT INC. INFORMATION TECHNOLOGY 443573100 11 85 SH   SOLE   85 0 0
ILLINOIS TOOL WORKS INC. INDUSTRIALS 452308109 272 1,962 SH   SOLE   1,962 0 0
INGREDION INC CONSUMER STAPLES 457187102 35 320 SH   SOLE   320 0 0
INTEL CORP INFORMATION TECHNOLOGY 458140100 2,246 45,185 SH   SOLE   45,120 0 65
INTEL CORP INFORMATION TECHNOLOGY 458140100 536 10,785 SH   DFND   5,410 5,375 0
INTERACTIVE BROKERS GRO-CL A FINANCIALS 45841N107 16 250 SH   SOLE   250 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 852 6,098 SH   SOLE   6,098 0 0
INTL BUSINESS MACHINES INFORMATION TECHNOLOGY 459200101 231 1,652 SH   DFND   500 1,152 0
INTERNATIONAL PAPER CO MATERIALS 460146103 111 2,128 SH   SOLE   2,093 0 35
INTERNATIONAL PAPER CO MATERIALS 460146103 5 100 SH   DFND   0 100 0
INTUITIVE SURGICAL INC HEALTHCARE 46120E602 6 12 SH   SOLE   12 0 0
IQIYI, INC. - ADR INFORMATION TECHNOLOGY 46267X108 4 135 SH   SOLE   135 0 0
IROBOT CORPORATION INDUSTRIALS 462726100 2 30 SH   SOLE   30 0 0
ETF ISHARES SILVER TR MUTUAL FUND 46428Q109 5 350 SH   SOLE   350 0 0
ISHARES MSCI AUSTRALIA ETF MUTUAL FUND 464286103 7 300 SH   DFND   300 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 1,008 8,425 SH   SOLE   8,425 0 0
ISHARES SELECT DIVIDEND ETF MUTUAL FUND 464287168 138 1,410 SH   SOLE   1,410 0 0
ISHARES TIPS BOND ETF FIXED INCOME 464287176 6,862 60,800 SH   SOLE   60,315 0 485
ISHARES TIPS BOND ETF FIXED INCOME 464287176 889 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 356 3,349 SH   SOLE   3,349 0 0
ISHARES MSCI EMERGING MARKETS ETF Exchange Traded Funds - Equity 464287234 15 340 SH   SOLE   340 0 0
ISHARES GLOBAL TECH ETF Exchange Traded Funds - Equity 464287291 19 114 SH   SOLE   114 0 0
ISHARES S&P 500 GROWTH ETF Exchange Traded Funds - Equity 464287309 5 31 SH   SOLE   31 0 0
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 1,136 16,956 SH   SOLE   16,869 0 87
ISHARES MSCI EAFE ETF FUND MUTUAL FUND 464287465 68 1,010 SH   DFND   360 650 0
ISHARES RUSSELL MIDCAP ETF Exchange Traded Funds - Equity 464287499 129 606 SH   SOLE   606 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND MUTUAL FUND 464287598 15 126 SH   SOLE   126 0 0
ISHARES RUSSELL 1000 GROWTH ETF MUTUAL FUND 464287614 337 2,345 SH   SOLE   2,345 0 0
ISHARES RUSSELL 2000 GROWTH ETF Exchange Traded Funds - Equity 464287648 206 1,010 SH   SOLE   1,010 0 0
ISHARES RUSSELL 2000 ETF Exchange Traded Funds - Equity 464287655 132 803 SH   SOLE   803 0 0
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 3,615 43,313 SH   SOLE   43,233 0 80
ISHARES CORE S&P SMALL-CAP ETF MUTUAL FUND 464287804 87 1,043 SH   DFND   0 1,043 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 22 215 SH   SOLE   215 0 0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX Exchange Traded Funds - Equity 464288752 23 605 SH   SOLE   605 0 0
ISHARES MSCI USA ESG SELECT MUTUAL FUND 464288802 23 200 SH   SOLE   200 0 0
ISHARES CORE MSCI EAFE ETF Exchange Traded Funds - Equity 46432F842 8 119 SH   SOLE   119 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 4 180 SH   SOLE   180 0 0
ISHARES MSCI SINGAPORE ETF Exchange Traded Funds - Equity 46434G780 6 264 SH   DFND   264 0 0
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 1,665 15,975 SH   SOLE   15,950 0 25
JPMORGAN CHASE & CO COM FINANCIALS 46625H100 201 1,925 SH   DFND   830 1,095 0
JD.COM INC.-ADR CONSUMER DISCRETIONARY 47215P106 14 355 SH   SOLE   355 0 0
JOHNSON & JOHNSON HEALTHCARE 478160104 2,958 24,375 SH   SOLE   24,345 0 30
JOHNSON & JOHNSON HEALTHCARE 478160104 704 5,805 SH   DFND   2,000 3,805 0
JONES SODA COMPANY CONSUMER DISCRETIONARY 48023P106 0 250 SH   SOLE   250 0 0
KKR & CO., LP FINANCIALS 48248M102 38 1,510 SH   SOLE   1,510 0 0
KELLOGG COMPANY CONSUMER STAPLES 487836108 14 200 SH   DFND   200 0 0
KEYCORP NEW COM FINANCIALS 493267108 11 542 SH   SOLE   542 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 133 1,262 SH   SOLE   1,262 0 0
KIMBERLY CLARK CONSUMER STAPLES 494368103 113 1,070 SH   DFND   1,000 70 0
KINDER MORGAN INC. ENERGY 49456B101 2 100 SH   SOLE   100 0 0
LAM RESEARCH CORP COMMON HEALTHCARE 512807108 13 75 SH   SOLE   75 0 0
LEGACY RESERVES ENERGY 524707304 1 200 SH   SOLE   200 0 0
ELI LILLY & CO HEALTHCARE 532457108 343 4,024 SH   SOLE   4,024 0 0
ELI LILLY & CO HEALTHCARE 532457108 247 2,895 SH   DFND   2,750 145 0
LITTELFUSE INC INFORMATION TECHNOLOGY 537008104 11 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 923 3,123 SH   SOLE   3,123 0 0
LOCKHEED MARTIN CORP INDUSTRIALS 539830109 343 1,160 SH   DFND   840 320 0
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 288 3,015 SH   SOLE   2,940 0 75
LOWES COMPANIES INC CONSUMER DISCRETIONARY 548661107 76 800 SH   DFND   800 0 0
MANULIFE FINANCIAL FINANCIALS 56501R106 10 580 SH   SOLE   580 0 0
MARKEL CORP HOLDING COMPANY FINANCIALS 570535104 11 10 SH   SOLE   10 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 86 440 SH   SOLE   440 0 0
MASTERCARD INC - CLASS A FINANCIALS 57636Q104 13 65 SH   DFND   0 65 0
MATCH GROUP INC. INFORMATION TECHNOLOGY 57665R106 3 85 SH   SOLE   85 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 31 270 SH   SOLE   270 0 0
MCCORMICK & CO. CONSUMER STAPLES 579780206 81 700 SH   DFND   0 700 0
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 1,359 8,674 SH   SOLE   8,659 0 15
MCDONALDS CORP CONSUMER DISCRETIONARY 580135101 579 3,697 SH   DFND   1,300 2,397 0
MCKESSON CORPORATION HEALTHCARE 58155Q103 51 380 SH   SOLE   380 0 0
MERCADOLIBRE INC INFORMATION TECHNOLOGY 58733R102 1 3 SH   SOLE   3 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 500 8,236 SH   SOLE   8,236 0 0
MERCK & CO., INC HEALTHCARE 58933Y105 117 1,920 SH   DFND   1,500 420 0
METLIFE INC FINANCIALS 59156R108 359 8,227 SH   SOLE   8,197 0 30
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 2,198 22,291 SH   SOLE   22,291 0 0
MICROSOFT CORP INFORMATION TECHNOLOGY 594918104 496 5,030 SH   DFND   2,430 2,600 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 40 974 SH   SOLE   974 0 0
MONDELEZ INTERNATIONAL INC CONSUMER STAPLES 609207105 41 1,000 SH   DFND   0 1,000 0
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NCR CORPORATION INFORMATION TECHNOLOGY 62886E108 10 321 SH   SOLE   321 0 0
NASDAQ STOCK MARKET INC FINANCIALS 631103108 5 50 SH   SOLE   50 0 0
NETAPP, INC. INFORMATION TECHNOLOGY 64110D104 8 100 SH   SOLE   100 0 0
NETFLIX INC INFORMATION TECHNOLOGY 64110L106 198 505 SH   SOLE   505 0 0
NEW JERSEY RESOURCES CORP UTILITIES 646025106 41 912 SH   SOLE   912 0 0
NEW RESIDENTIAL INVESTMENT CORP REAL ESTATE 64828T201 9 540 SH   SOLE   540 0 0
NEW RELIC INC INFORMATION TECHNOLOGY 64829B100 5 45 SH   SOLE   45 0 0
NEWELL BRANDS INC CONSUMER DISCRETIONARY 651229106 0 16 SH   SOLE   16 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 1,274 7,630 SH   SOLE   7,630 0 0
NEXTERA ENERGY INC UTILITIES 65339F101 274 1,640 SH   DFND   1,200 440 0
NIKE, INC CONSUMER DISCRETIONARY 654106103 440 5,523 SH   SOLE   5,523 0 0
NOBLE ENERGY INC. ENERGY 655044105 4 100 SH   SOLE   0 0 100
NOBLE ENERGY INC. ENERGY 655044105 11 300 SH   DFND   0 300 0
NORFOLK SOUTHERN CORPORATION INDUSTRIALS 655844108 7 45 SH   SOLE   45 0 0
NORTHROP GRUMMAN CORP INDUSTRIALS 666807102 41 133 SH   SOLE   133 0 0
NOVARTIS AG - ADR FOREIGN EQUITIES 66987V109 10 130 SH   DFND   0 130 0
NUCOR MATERIALS 670346105 42 675 SH   SOLE   675 0 0
NUCOR MATERIALS 670346105 88 1,400 SH   DFND   800 600 0
NVIDIA CORP. INFORMATION TECHNOLOGY 67066G104 110 463 SH   SOLE   463 0 0
OCCIDENTAL PETROLEUM CORP ENERGY 674599105 53 628 SH   SOLE   628 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 152 3,456 SH   SOLE   3,456 0 0
ORACLE CORPORATION INFORMATION TECHNOLOGY 68389X105 7 170 SH   DFND   0 170 0
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PNC FINANCIAL SERVICES GROUP INC FINANCIALS 693475105 30 222 SH   SOLE   222 0 0
PPG INDUSTRIES MATERIALS 693506107 29 280 SH   SOLE   280 0 0
PPL CORP UTILITIES 69351T106 3 120 SH   SOLE   120 0 0
PALO ALTO NETWORKS INC INFORMATION TECHNOLOGY 697435105 3 15 SH   SOLE   15 0 0
PEPSICO INC CONSUMER STAPLES 713448108 2,235 20,530 SH   SOLE   20,530 0 0
PEPSICO INC CONSUMER STAPLES 713448108 455 4,180 SH   DFND   1,845 2,335 0
PERKIN ELMER, INC INFORMATION TECHNOLOGY 714046109 14 190 SH   SOLE   190 0 0
PETMED EXPRESS INC. HEALTHCARE 716382106 4 100 SH   SOLE   100 0 0
PFIZER INC HEALTHCARE 717081103 432 11,924 SH   SOLE   11,924 0 0
PFIZER INC HEALTHCARE 717081103 274 7,556 SH   DFND   4,600 2,956 0
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PHILLIPS 66 ENERGY 718546104 447 3,981 SH   SOLE   3,981 0 0
PHILLIPS 66 ENERGY 718546104 158 1,407 SH   DFND   1,095 312 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
PRAXAIR MATERIALS 74005P104 236 1,493 SH   SOLE   1,493 0 0
PRAXAIR MATERIALS 74005P104 259 1,635 SH   DFND   825 810 0
PREFERRED APARTMENT COMMUNITIES REAL ESTATE 74039L103 20 1,150 SH   SOLE   1,150 0 0
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 1,976 25,313 SH   SOLE   25,278 0 35
PROCTER & GAMBLE CO CONSUMER STAPLES 742718109 570 7,302 SH   DFND   2,915 4,387 0
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PUBLIC SERVICE ENTERPRISE GROUP, INC UTILITIES 744573106 117 2,164 SH   SOLE   2,164 0 0
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 461 8,224 SH   SOLE   8,194 0 30
QUALCOMM INC INFORMATION TECHNOLOGY 747525103 50 900 SH   DFND   665 235 0
QUANTA SERVICES INC INDUSTRIALS 74762E102 3 100 SH   SOLE   100 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 70 362 SH   SOLE   362 0 0
RAYTHEON CO COM NEW INDUSTRIALS 755111507 97 500 SH   DFND   0 500 0
REGENERON PHARMACEUTICALS HEALTHCARE 75886F107 47 135 SH   SOLE   135 0 0
ROKU INC CONSUMER DISCRETIONARY 77543R102 3 65 SH   SOLE   65 0 0
ROYAL DUTCH SHELL PLC ADR ENERGY 780259206 35 505 SH   SOLE   505 0 0
RYDER SYSTEMS INC INDUSTRIALS 783549108 22 300 SH   SOLE   300 0 0
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SPDR S & P 500 ETF TRUST MUTUAL FUND 78462F103 353 1,300 SH   DFND   705 595 0
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SCHLUMBERGER LTD ENERGY 806857108 202 3,013 SH   SOLE   3,013 0 0
SCHLUMBERGER LTD ENERGY 806857108 67 1,000 SH   DFND   0 1,000 0
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SEATTLE GENETICS INC HEALTHCARE 812578102 7 100 SH   SOLE   100 0 0
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TECHNOLOGY SELECT SECT SPDR INFORMATION TECHNOLOGY 81369Y803 31 450 SH   DFND   0 450 0
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SEMPRA ENERGY UTILITIES 816851109 3 30 SH   SOLE   30 0 0
SHERWIN WILLIAMS COMPANY CONSUMER DISCRETIONARY 824348106 12 30 SH   SOLE   30 0 0
SHIRE PLC FOREIGN EQUITIES 82481R106 17 99 SH   SOLE   99 0 0
SIMON PROPERTY GROUP FINANCIALS 828806109 113 662 SH   SOLE   662 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 105 980 SH   SOLE   980 0 0
J.M. SMUCKER COMPANY CONSUMER STAPLES 832696405 102 951 SH   DFND   0 951 0
SNAP-ON INC CONSUMER DISCRETIONARY 833034101 98 609 SH   SOLE   609 0 0
SONY CORP ADR FOREIGN EQUITIES 835699307 5 105 SH   SOLE   105 0 0
SOUTHERN CO UTILITIES 842587107 540 11,655 SH   SOLE   11,655 0 0
SOUTHERN CO UTILITIES 842587107 198 4,280 SH   DFND   2,850 1,430 0
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SOUTHWEST GAS CORP ENERGY 844895102 11 150 SH   SOLE   150 0 0
SPLUNK INC. ENERGY 848637104 5 50 SH   SOLE   50 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 255 5,228 SH   SOLE   5,228 0 0
STARBUCKS CORPORATION CONSUMER DISCRETIONARY 855244109 4 92 SH   DFND   0 92 0
STEEL DYNAMICS INC MATERIALS 858119100 8 165 SH   SOLE   165 0 0
STRYKER CORP HEALTHCARE 863667101 578 3,425 SH   SOLE   3,425 0 0
STRYKER CORP HEALTHCARE 863667101 49 290 SH   DFND   180 110 0
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SYSCO CORPORATION CONSUMER STAPLES 871829107 15 220 SH   SOLE   220 0 0
TJX COS INC NEW CONSUMER DISCRETIONARY 872540109 29 308 SH   SOLE   308 0 0
TABLEAU SOFTWARE INC-CL A INFORMATION TECHNOLOGY 87336U105 3 30 SH   SOLE   30 0 0
TAKE-TWO INTERACTIVE SOFTWARE, INC. INFORMATION TECHNOLOGY 874054109 11 95 SH   SOLE   95 0 0
TARGET CORP CONSUMER DISCRETIONARY 87612E106 246 3,227 SH   SOLE   3,185 0 42
TARGET CORP CONSUMER DISCRETIONARY 87612E106 128 1,680 SH   DFND   670 1,010 0
TERRA INVENTIONS CORP INDUSTRIALS 88103B106 0 4 SH   SOLE   4 0 0
TESLA MOTORS INC CONSUMER DISCRETIONARY 88160R101 75 219 SH   SOLE   219 0 0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS HEALTHCARE 881624209 11 468 SH   SOLE   268 0 200
TEXAS INSTRUMENTS INFORMATION TECHNOLOGY 882508104 59 535 SH   SOLE   535 0 0
TEXTRON INC INDUSTRIALS 883203101 4 65 SH   SOLE   65 0 0
THE TRADE DESK, INC. INFORMATION TECHNOLOGY 88339J105 6 60 SH   SOLE   60 0 0
THOR INDUSTRIES INC. CONSUMER DISCRETIONARY 885160101 2 20 SH   SOLE   20 0 0
3M CO COM INDUSTRIALS 88579Y101 329 1,672 SH   SOLE   1,672 0 0
3M CO COM INDUSTRIALS 88579Y101 266 1,350 SH   DFND   835 515 0
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TRANSCANADA CORP FOREIGN EQUITIES 89353D107 2 50 SH   SOLE   50 0 0
TRAVELERS COS INC FINANCIALS 89417E109 107 875 SH   SOLE   875 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 179 3,570 SH   SOLE   3,570 0 0
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UNITED PARCEL SERVICE INDUSTRIALS 911312106 91 856 SH   SOLE   856 0 0
UNITED STATES STEEL CORP INDUSTRIALS 912909108 10 275 SH   SOLE   275 0 0
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UNITED TECHNOLOGIES CORP INDUSTRIALS 913017109 377 3,015 SH   DFND   1,645 1,370 0
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VERIZON COMMUNICATIONS INC TELECOM. SERVICES 92343V104 377 7,493 SH   DFND   3,575 3,918 0
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VMWARE INC INFORMATION TECHNOLOGY 928563402 11 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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