# EDGAR Filing Document

**Accession Number:** 0000717538
**File Stem:** 0000717538-23-000051
**Filing Date:** 2023-2
**Character Count:** 74971
**Document Hash:** 9198919210bba9c5b9ebe70dc56a822c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000717538-23-000051.hdr.sgml**: 20230202

**ACCESSION NUMBER**: 0000717538-23-000051

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230202

**DATE AS OF CHANGE**: 20230201

**EFFECTIVENESS DATE**: 20230202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ARROW FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000717538
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **IRS NUMBER:** 222448962
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-12533
- **FILM NUMBER:** 23578249

**BUSINESS ADDRESS:**
- **STREET 1:** 250 GLEN ST
- **CITY:** GLENS FALLS
- **STATE:** NY
- **ZIP:** 12801
- **BUSINESS PHONE:** 5184154299

**MAIL ADDRESS:**
- **STREET 1:** 250 GLEN STREET
- **CITY:** GLENS FALLS
- **STATE:** NY
- **ZIP:** 12801

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ARROW BANK CORP
- **DATE OF NAME CHANGE:** 19900710

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** ARROW FINANCIAL CORP<br>**Address:** 250 GLEN STREET<br>GLENS FALLS, NY 12801

**Form 13F File Number:** 028-12533

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Thomas J. Murphy<br>**Title:** Interim CFO<br>**Phone:** 518-415-4526

**Signature, Place, and Date of Signing:**

/s/ Thomas J. Murphy  Glens Falls, NY  02-01-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 2

**Form 13F Information Table Entry Total:** 723

**Form 13F Information Table Value Total:** $737154

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

| No.   | Name                                    | Form 13F File Number   |
|:---|:---|:---|
|  | GLENS FALLS NATIONAL BANK  TRUST CO /NY |  |
|  | North Country Investment Advisers Inc.  |  |

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 2126 | 19366 | SH |  | DFND | 2 | 19366 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 893 | 5524 | SH |  | DFND | 2 | 5524 | 0 | 0 |
| ACTIVISION BLIZZARD INC | COMMON STOCK | 00507V109 |  | 1568 | 20478 | SH |  | DFND | 2 | 20478 | 0 | 0 |
| ADOBE INC | COMMON STOCK | 00724F101 |  | 2112 | 6275 | SH |  | DFND | 2 | 6275 | 0 | 0 |
| AIR PRODUCTS  CHEMICALS INC | COMMON STOCK | 009158106 |  | 93 | 302 | SH |  | DFND | 2 | 302 | 0 | 0 |
| ALPHABET INC CL A | COMMON STOCK | 02079K305 |  | 4978 | 56429 | SH |  | DFND | 2 | 56429 | 0 | 0 |
| ALPHABET INC CL C | COMMON STOCK | 02079K107 |  | 1323 | 14905 | SH |  | DFND | 2 | 14905 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 283 | 6181 | SH |  | DFND | 2 | 6181 | 0 | 0 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 3188 | 37950 | SH |  | DFND | 2 | 37950 | 0 | 0 |
| AMERICAN ELEC PWR INC | COMMON STOCK | 025537101 |  | 51 | 540 | SH |  | DFND | 2 | 540 | 0 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 257 | 1740 | SH |  | DFND | 2 | 1740 | 0 | 0 |
| AMERICAN INTERNATIONAL GROUP | COMMON STOCK | 026874784 |  | 19 | 300 | SH |  | DFND | 2 | 300 | 0 | 0 |
| AMERICAN WATER WORKS CO INC | COMMON STOCK | 030420103 |  | 821 | 5389 | SH |  | DFND | 2 | 5389 | 0 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 1272 | 4845 | SH |  | DFND | 2 | 4845 | 0 | 0 |
| AMPHENOL CORP CL A | COMMON STOCK | 032095101 |  | 36 | 467 | SH |  | DFND | 2 | 467 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 10 | 60 | SH |  | DFND | 2 | 60 | 0 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 7327 | 56394 | SH |  | DFND | 2 | 56394 | 0 | 0 |
| APPLIED MATERIALS INC | COMMON STOCK | 038222105 |  | 224 | 2300 | SH |  | DFND | 2 | 2300 | 0 | 0 |
| ARCHER DANIELS MIDLAND CO | COMMON STOCK | 039483102 |  | 19 | 200 | SH |  | DFND | 2 | 200 | 0 | 0 |
| ASHLAND INC | COMMON STOCK | 044186104 |  | 128 | 1191 | SH |  | DFND | 2 | 1191 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 506 | 27474 | SH |  | DFND | 2 | 27474 | 0 | 0 |
| AUTODESK INC | COMMON STOCK | 052769106 |  | 15 | 80 | SH |  | DFND | 2 | 80 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC | COMMON STOCK | 053015103 |  | 1023 | 4283 | SH |  | DFND | 2 | 4283 | 0 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 1853 | 55943 | SH |  | DFND | 2 | 55943 | 0 | 0 |
| BANK OF NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 51 | 1130 | SH |  | DFND | 2 | 1130 | 0 | 0 |
| BAXTER INTL INC | COMMON STOCK | 071813109 |  | 22 | 430 | SH |  | DFND | 2 | 430 | 0 | 0 |
| BECTON DICKINSON | COMMON STOCK | 075887109 |  | 48 | 190 | SH |  | DFND | 2 | 190 | 0 | 0 |
| BERKSHIRE HATHAWAY INC-CL B | COMMON STOCK | 084670702 |  | 2989 | 9676 | SH |  | DFND | 2 | 9676 | 0 | 0 |
| BEST BUY CO INC | COMMON STOCK | 086516101 |  | 60 | 751 | SH |  | DFND | 2 | 751 | 0 | 0 |
| BLACKROCK INC CL A | COMMON STOCK | 09247X101 |  | 2370 | 3345 | SH |  | DFND | 2 | 3345 | 0 | 0 |
| BLACKSTONE INC | COMMON STOCK | 09260D107 |  | 41 | 558 | SH |  | DFND | 2 | 558 | 0 | 0 |
| BLOCK INC CL A | COMMON STOCK | 852234103 |  | 2 | 30 | SH |  | DFND | 2 | 30 | 0 | 0 |
| BOEING CO | COMMON STOCK | 097023105 |  | 30 | 160 | SH |  | DFND | 2 | 160 | 0 | 0 |
| BOOKING HOLDINGS INC | COMMON STOCK | 09857L108 |  | 64 | 32 | SH |  | DFND | 2 | 32 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 2474 | 34386 | SH |  | DFND | 2 | 34386 | 0 | 0 |
| BROADCOM INC | COMMON STOCK | 11135F101 |  | 77 | 137 | SH |  | DFND | 2 | 137 | 0 | 0 |
| CAPITAL ONE FINANCIAL CORP | COMMON STOCK | 14040H105 |  | 33 | 355 | SH |  | DFND | 2 | 355 | 0 | 0 |
| CARDINAL HEALTH INC | COMMON STOCK | 14149Y108 |  | 8 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| CARRIER GLOBAL CORP | COMMON STOCK | 14448C104 |  | 43 | 1042 | SH |  | DFND | 2 | 1042 | 0 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 2071 | 8646 | SH |  | DFND | 2 | 8646 | 0 | 0 |
| CHARLES SCHWAB CORP | COMMON STOCK | 808513105 |  | 52 | 625 | SH |  | DFND | 2 | 625 | 0 | 0 |
| CHARTER COMMUNICATIONS INC CL | COMMON STOCK | 16119P108 |  | 1 | 3 | SH |  | DFND | 2 | 3 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 1357 | 7563 | SH |  | DFND | 2 | 7563 | 0 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 2718 | 57052 | SH |  | DFND | 2 | 57052 | 0 | 0 |
| CITIGROUP INC | COMMON STOCK | 172967424 |  | 7 | 150 | SH |  | DFND | 2 | 150 | 0 | 0 |
| CLOROX COMPANY | COMMON STOCK | 189054109 |  | 70 | 497 | SH |  | DFND | 2 | 497 | 0 | 0 |
| CME GROUP INC | COMMON STOCK | 12572Q105 |  | 64 | 378 | SH |  | DFND | 2 | 378 | 0 | 0 |
| CMS ENERGY CORP | COMMON STOCK | 125896100 |  | 8 | 121 | SH |  | DFND | 2 | 121 | 0 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 1525 | 23978 | SH |  | DFND | 2 | 23978 | 0 | 0 |
| COLGATE PALMOLIVE CO | COMMON STOCK | 194162103 |  | 232 | 2940 | SH |  | DFND | 2 | 2940 | 0 | 0 |
| COMCAST CORP-CL A | COMMON STOCK | 20030N101 |  | 103 | 2950 | SH |  | DFND | 2 | 2950 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 1368 | 11596 | SH |  | DFND | 2 | 11596 | 0 | 0 |
| CONSOLIDATED EDISON INC | COMMON STOCK | 209115104 |  | 70 | 739 | SH |  | DFND | 2 | 739 | 0 | 0 |
| CONSTELLATION BRANDS INC | COMMON STOCK | 21036P108 |  | 993 | 4282 | SH |  | DFND | 2 | 4282 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COMMON STOCK | 21037T109 |  | 3 | 33 | SH |  | DFND | 2 | 33 | 0 | 0 |
| CORNING INC | COMMON STOCK | 219350105 |  | 70 | 2184 | SH |  | DFND | 2 | 2184 | 0 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 2299 | 5036 | SH |  | DFND | 2 | 5036 | 0 | 0 |
| CSX CORP | COMMON STOCK | 126408103 |  | 8 | 252 | SH |  | DFND | 2 | 252 | 0 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 1514 | 6250 | SH |  | DFND | 2 | 6250 | 0 | 0 |
| CVS HEALTH CORP | COMMON STOCK | 126650100 |  | 29 | 313 | SH |  | DFND | 2 | 313 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 1595 | 6011 | SH |  | DFND | 2 | 6011 | 0 | 0 |
| DEERE  CO | COMMON STOCK | 244199105 |  | 320 | 746 | SH |  | DFND | 2 | 746 | 0 | 0 |
| DEVON ENERGY CORPORATION | COMMON STOCK | 25179M103 |  | 6 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| DISNEY WALT CO NEW | COMMON STOCK | 254687106 |  | 2101 | 24186 | SH |  | DFND | 2 | 24186 | 0 | 0 |
| DOLLAR GENERAL CORP | COMMON STOCK | 256677105 |  | 30 | 122 | SH |  | DFND | 2 | 122 | 0 | 0 |
| DOLLAR TREE INC | COMMON STOCK | 256746108 |  | 2370 | 16755 | SH |  | DFND | 2 | 16755 | 0 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 437 | 7124 | SH |  | DFND | 2 | 7124 | 0 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 46 | 914 | SH |  | DFND | 2 | 914 | 0 | 0 |
| DUKE ENERGY CORP | COMMON STOCK | 26441C204 |  | 104 | 1006 | SH |  | DFND | 2 | 1006 | 0 | 0 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 62 | 903 | SH |  | DFND | 2 | 903 | 0 | 0 |
| EASTMAN CHEMICAL CO | COMMON STOCK | 277432100 |  | 463 | 5687 | SH |  | DFND | 2 | 5687 | 0 | 0 |
| EBAY INC | COMMON STOCK | 278642103 |  | 17 | 400 | SH |  | DFND | 2 | 400 | 0 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 362 | 2487 | SH |  | DFND | 2 | 2487 | 0 | 0 |
| EDISON INTERNATIONAL | COMMON STOCK | 281020107 |  | 22 | 350 | SH |  | DFND | 2 | 350 | 0 | 0 |
| ELECTRONIC ARTS INC | COMMON STOCK | 285512109 |  | 2 | 20 | SH |  | DFND | 2 | 20 | 0 | 0 |
| EMERSON ELEC CO | COMMON STOCK | 291011104 |  | 150 | 1560 | SH |  | DFND | 2 | 1560 | 0 | 0 |
| EOG RES INC | COMMON STOCK | 26875P101 |  | 24 | 185 | SH |  | DFND | 2 | 185 | 0 | 0 |
| ESSENTIAL UTILITIES INC | COMMON STOCK | 29670G102 |  | 52 | 1082 | SH |  | DFND | 2 | 1082 | 0 | 0 |
| EXELON CORP | COMMON STOCK | 30161N101 |  | 4 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 3247 | 29437 | SH |  | DFND | 2 | 29437 | 0 | 0 |
| FACTSET RESEARCH SYSTEM INC | COMMON STOCK | 303075105 |  | 24 | 60 | SH |  | DFND | 2 | 60 | 0 | 0 |
| FEDEX CORPORATION | COMMON STOCK | 31428X106 |  | 133 | 770 | SH |  | DFND | 2 | 770 | 0 | 0 |
| FIRSTENERGY CORP | COMMON STOCK | 337932107 |  | 34 | 801 | SH |  | DFND | 2 | 801 | 0 | 0 |
| FISERV INC | COMMON STOCK | 337738108 |  | 243 | 2400 | SH |  | DFND | 2 | 2400 | 0 | 0 |
| FORD MOTOR CO DEL | COMMON STOCK | 345370860 |  | 116 | 10000 | SH |  | DFND | 2 | 10000 | 0 | 0 |
| FORTIVE CORP | COMMON STOCK | 34959J108 |  | 85 | 1328 | SH |  | DFND | 2 | 1328 | 0 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 1999 | 8055 | SH |  | DFND | 2 | 8055 | 0 | 0 |
| GENERAL ELECTRIC CO | COMMON STOCK | 369604301 |  | 199 | 2373 | SH |  | DFND | 2 | 2373 | 0 | 0 |
| GENERAL MLS INC | COMMON STOCK | 370334104 |  | 249 | 2970 | SH |  | DFND | 2 | 2970 | 0 | 0 |
| GENUINE PARTS CO | COMMON STOCK | 372460105 |  | 36 | 210 | SH |  | DFND | 2 | 210 | 0 | 0 |
| GILEAD SCIENCES INC | COMMON STOCK | 375558103 |  | 139 | 1614 | SH |  | DFND | 2 | 1614 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 150 | 437 | SH |  | DFND | 2 | 437 | 0 | 0 |
| GRAINGER W W INC | COMMON STOCK | 384802104 |  | 42 | 75 | SH |  | DFND | 2 | 75 | 0 | 0 |
| GREENLANE HOLDINGS INC CL A | COMMON STOCK | 395330202 |  | 0 | 110 | SH |  | DFND | 2 | 110 | 0 | 0 |
| HARLEY DAVIDSON INC | COMMON STOCK | 412822108 |  | 8 | 200 | SH |  | DFND | 2 | 200 | 0 | 0 |
| HAWAIIAN ELECTRIC INDUSTRIES I | COMMON STOCK | 419870100 |  | 63 | 1495 | SH |  | DFND | 2 | 1495 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 3949 | 12501 | SH |  | DFND | 2 | 12501 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 2788 | 13008 | SH |  | DFND | 2 | 13008 | 0 | 0 |
| IDACORP INC | COMMON STOCK | 451107106 |  | 25 | 232 | SH |  | DFND | 2 | 232 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COMMON STOCK | 452308109 |  | 97 | 440 | SH |  | DFND | 2 | 440 | 0 | 0 |
| INGERSOLL-RAND INC | COMMON STOCK | 45687V106 |  | 1 | 13 | SH |  | DFND | 2 | 13 | 0 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 762 | 28859 | SH |  | DFND | 2 | 28859 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE GROU | COMMON STOCK | 45866F104 |  | 2181 | 21258 | SH |  | DFND | 2 | 21258 | 0 | 0 |
| INTERNATIONAL FLAVORS  FRAGRA | COMMON STOCK | 459506101 |  | 136 | 1295 | SH |  | DFND | 2 | 1295 | 0 | 0 |
| INTL. BUSINESS MACHINES CORP | COMMON STOCK | 459200101 |  | 253 | 1796 | SH |  | DFND | 2 | 1796 | 0 | 0 |
| JACK HENRY  ASSOC INC | COMMON STOCK | 426281101 |  | 21 | 120 | SH |  | DFND | 2 | 120 | 0 | 0 |
| JACOBS SOLUTIONS INC | COMMON STOCK | 46982L108 |  | 85 | 710 | SH |  | DFND | 2 | 710 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 3815 | 21595 | SH |  | DFND | 2 | 21595 | 0 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 3626 | 27040 | SH |  | DFND | 2 | 27040 | 0 | 0 |
| KADANT INC | COMMON STOCK | 48282T104 |  | 144 | 809 | SH |  | DFND | 2 | 809 | 0 | 0 |
| KELLOGG CO | COMMON STOCK | 487836108 |  | 7 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| KEYCORP | COMMON STOCK | 493267108 |  | 14 | 812 | SH |  | DFND | 2 | 812 | 0 | 0 |
| KIMBERLY CLARK CORP | COMMON STOCK | 494368103 |  | 30 | 221 | SH |  | DFND | 2 | 221 | 0 | 0 |
| KKR  CO INC CL A | COMMON STOCK | 48251W104 |  | 78 | 1670 | SH |  | DFND | 2 | 1670 | 0 | 0 |
| LABORATORY CORP OF AMERICA HOL | COMMON STOCK | 50540R409 |  | 26 | 110 | SH |  | DFND | 2 | 110 | 0 | 0 |
| LILLY ELI  CO | COMMON STOCK | 532457108 |  | 198 | 540 | SH |  | DFND | 2 | 540 | 0 | 0 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 297 | 611 | SH |  | DFND | 2 | 611 | 0 | 0 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 1608 | 8072 | SH |  | DFND | 2 | 8072 | 0 | 0 |
| MANITOWOC CO INC | COMMON STOCK | 563571405 |  | 2 | 200 | SH |  | DFND | 2 | 200 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 11 | 72 | SH |  | DFND | 2 | 72 | 0 | 0 |
| MASCO CORP | COMMON STOCK | 574599106 |  | 889 | 19054 | SH |  | DFND | 2 | 19054 | 0 | 0 |
| MASTERCARD INC CL A | COMMON STOCK | 57636Q104 |  | 2512 | 7225 | SH |  | DFND | 2 | 7225 | 0 | 0 |
| MCCORMICK  CO INC | COMMON STOCK | 579780206 |  | 94 | 1131 | SH |  | DFND | 2 | 1131 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 2112 | 8014 | SH |  | DFND | 2 | 8014 | 0 | 0 |
| MDU RESOURCES GROUP INC | COMMON STOCK | 552690109 |  | 18 | 600 | SH |  | DFND | 2 | 600 | 0 | 0 |
| MERCK  CO INC | COMMON STOCK | 58933Y105 |  | 651 | 5863 | SH |  | DFND | 2 | 5863 | 0 | 0 |
| META PLATFORMS INC CL A | COMMON STOCK | 30303M102 |  | 207 | 1722 | SH |  | DFND | 2 | 1722 | 0 | 0 |
| METLIFE INC | COMMON STOCK | 59156R108 |  | 38 | 526 | SH |  | DFND | 2 | 526 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 6723 | 28030 | SH |  | DFND | 2 | 28030 | 0 | 0 |
| MODERNA INC | COMMON STOCK | 60770K107 |  | 9 | 50 | SH |  | DFND | 2 | 50 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | COMMON STOCK | 609207105 |  | 12 | 173 | SH |  | DFND | 2 | 173 | 0 | 0 |
| MONSTER BEVERAGE CORP | COMMON STOCK | 61174X109 |  | 48 | 475 | SH |  | DFND | 2 | 475 | 0 | 0 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 722 | 8493 | SH |  | DFND | 2 | 8493 | 0 | 0 |
| NBT BANCORP INC COM | COMMON STOCK | 628778102 |  | 16 | 365 | SH |  | DFND | 2 | 365 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 1283 | 4350 | SH |  | DFND | 2 | 4350 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 675 | 8073 | SH |  | DFND | 2 | 8073 | 0 | 0 |
| NIKE INC-CLASS B | COMMON STOCK | 654106103 |  | 570 | 4876 | SH |  | DFND | 2 | 4876 | 0 | 0 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 69 | 280 | SH |  | DFND | 2 | 280 | 0 | 0 |
| NORTHROP GRUMMAN CORPORATION | COMMON STOCK | 666807102 |  | 45 | 82 | SH |  | DFND | 2 | 82 | 0 | 0 |
| NOVAVAX INC | COMMON STOCK | 670002401 |  | 1 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| NUCOR CORP | COMMON STOCK | 670346105 |  | 5 | 35 | SH |  | DFND | 2 | 35 | 0 | 0 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 1381 | 9449 | SH |  | DFND | 2 | 9449 | 0 | 0 |
| ORACLE CORPORATION | COMMON STOCK | 68389X105 |  | 3327 | 40707 | SH |  | DFND | 2 | 40707 | 0 | 0 |
| OTIS WORLDWIDE CORP | COMMON STOCK | 68902V107 |  | 21 | 262 | SH |  | DFND | 2 | 262 | 0 | 0 |
| PACKAGING CORP OF AMERICA | COMMON STOCK | 695156109 |  | 11 | 85 | SH |  | DFND | 2 | 85 | 0 | 0 |
| PARKER HANNIFIN CORP | COMMON STOCK | 701094104 |  | 3 | 10 | SH |  | DFND | 2 | 10 | 0 | 0 |
| PAYCHEX INC | COMMON STOCK | 704326107 |  | 2350 | 20336 | SH |  | DFND | 2 | 20336 | 0 | 0 |
| PAYPAL HOLDINGS INC | COMMON STOCK | 70450Y103 |  | 965 | 13550 | SH |  | DFND | 2 | 13550 | 0 | 0 |
| PENN ENTERTAINMENT INC | COMMON STOCK | 707569109 |  | 46 | 1535 | SH |  | DFND | 2 | 1535 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 1536 | 8503 | SH |  | DFND | 2 | 8503 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 2622 | 51171 | SH |  | DFND | 2 | 51171 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL | COMMON STOCK | 718172109 |  | 527 | 5209 | SH |  | DFND | 2 | 5209 | 0 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 15 | 143 | SH |  | DFND | 2 | 143 | 0 | 0 |
| PLUG POWER INC | COMMON STOCK | 72919P202 |  | 5 | 400 | SH |  | DFND | 2 | 400 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 2551 | 16826 | SH |  | DFND | 2 | 16826 | 0 | 0 |
| PRUDENTIAL FINL INC | COMMON STOCK | 744320102 |  | 35 | 350 | SH |  | DFND | 2 | 350 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 1696 | 15428 | SH |  | DFND | 2 | 15428 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COMMON STOCK | 75513E101 |  | 207 | 2047 | SH |  | DFND | 2 | 2047 | 0 | 0 |
| ROKU INC | COMMON STOCK | 77543R102 |  | 4 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| ROPER TECHNOLOGIES INC | COMMON STOCK | 776696106 |  | 45 | 105 | SH |  | DFND | 2 | 105 | 0 | 0 |
| ROSS STORES INC | COMMON STOCK | 778296103 |  | 29 | 249 | SH |  | DFND | 2 | 249 | 0 | 0 |
| S GLOBAL INC | COMMON STOCK | 78409V104 |  | 37 | 110 | SH |  | DFND | 2 | 110 | 0 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 1261 | 9507 | SH |  | DFND | 2 | 9507 | 0 | 0 |
| SERVICENOW INC | COMMON STOCK | 81762P102 |  | 3 | 8 | SH |  | DFND | 2 | 8 | 0 | 0 |
| SHERWIN WILLIAMS CO | COMMON STOCK | 824348106 |  | 141 | 594 | SH |  | DFND | 2 | 594 | 0 | 0 |
| SIMON PROPERTY GROUP INC REIT | COMMON STOCK | 828806109 |  | 6 | 50 | SH |  | DFND | 2 | 50 | 0 | 0 |
| SIRIUS XM HOLDINGS INC | COMMON STOCK | 82968B103 |  | 6 | 1000 | SH |  | DFND | 2 | 1000 | 0 | 0 |
| SMITH A O CORPORATION | COMMON STOCK | 831865209 |  | 22 | 390 | SH |  | DFND | 2 | 390 | 0 | 0 |
| SOUTHERN COMPANY | COMMON STOCK | 842587107 |  | 34 | 479 | SH |  | DFND | 2 | 479 | 0 | 0 |
| SOUTHWEST AIRLINES CO | COMMON STOCK | 844741108 |  | 17 | 500 | SH |  | DFND | 2 | 500 | 0 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 1854 | 18686 | SH |  | DFND | 2 | 18686 | 0 | 0 |
| STRYKER CORPORATION | COMMON STOCK | 863667101 |  | 2384 | 9750 | SH |  | DFND | 2 | 9750 | 0 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 986 | 12889 | SH |  | DFND | 2 | 12889 | 0 | 0 |
| T ROWE PRICE GROUP INC | COMMON STOCK | 74144T108 |  | 194 | 1780 | SH |  | DFND | 2 | 1780 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 22 | 146 | SH |  | DFND | 2 | 146 | 0 | 0 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 76 | 615 | SH |  | DFND | 2 | 615 | 0 | 0 |
| TEXAS INSTRUMENTS INC | COMMON STOCK | 882508104 |  | 1371 | 8300 | SH |  | DFND | 2 | 8300 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 2737 | 4970 | SH |  | DFND | 2 | 4970 | 0 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 2192 | 27537 | SH |  | DFND | 2 | 27537 | 0 | 0 |
| TOMPKINS FINANCIAL CORPORATION | COMMON STOCK | 890110109 |  | 19 | 240 | SH |  | DFND | 2 | 240 | 0 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 1816 | 9686 | SH |  | DFND | 2 | 9686 | 0 | 0 |
| TRUIST FINANCIAL CORP | COMMON STOCK | 89832Q109 |  | 66 | 1525 | SH |  | DFND | 2 | 1525 | 0 | 0 |
| TRUSTCO BANK CORP NY | COMMON STOCK | 898349204 |  | 2 | 43 | SH |  | DFND | 2 | 43 | 0 | 0 |
| UNION PAC CORP | COMMON STOCK | 907818108 |  | 2534 | 12237 | SH |  | DFND | 2 | 12237 | 0 | 0 |
| UNITED PARCEL SERVICE CL B | COMMON STOCK | 911312106 |  | 161 | 925 | SH |  | DFND | 2 | 925 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 2978 | 5617 | SH |  | DFND | 2 | 5617 | 0 | 0 |
| US BANCORP NEW | COMMON STOCK | 902973304 |  | 931 | 21366 | SH |  | DFND | 2 | 21366 | 0 | 0 |
| VERIZON COMMUNICATIONS | COMMON STOCK | 92343V104 |  | 1318 | 33446 | SH |  | DFND | 2 | 33446 | 0 | 0 |
| VERTEX PHARMACEUTICALS INC | COMMON STOCK | 92532F100 |  | 3 | 10 | SH |  | DFND | 2 | 10 | 0 | 0 |
| VIATRIS INC | COMMON STOCK | 92556V106 |  | 0 | 24 | SH |  | DFND | 2 | 24 | 0 | 0 |
| VIRGIN GALACTIC HOLDINGS INC | COMMON STOCK | 92766K106 |  | 4 | 1057 | SH |  | DFND | 2 | 1057 | 0 | 0 |
| VISA INC CL A | COMMON STOCK | 92826C839 |  | 4229 | 20353 | SH |  | DFND | 2 | 20353 | 0 | 0 |
| VULCAN MATERIALS CO | COMMON STOCK | 929160109 |  | 246 | 1405 | SH |  | DFND | 2 | 1405 | 0 | 0 |
| WABTEC CORP | COMMON STOCK | 929740108 |  | 15 | 150 | SH |  | DFND | 2 | 150 | 0 | 0 |
| WALMART INC | COMMON STOCK | 931142103 |  | 1266 | 8925 | SH |  | DFND | 2 | 8925 | 0 | 0 |
| WARNER BROS DISCOVERY INC CL A | COMMON STOCK | 934423104 |  | 0 | 11 | SH |  | DFND | 2 | 11 | 0 | 0 |
| WASTE MANAGEMENT INC | COMMON STOCK | 94106L109 |  | 74 | 469 | SH |  | DFND | 2 | 469 | 0 | 0 |
| WEC ENERGY GROUP INC | COMMON STOCK | 92939U106 |  | 28 | 300 | SH |  | DFND | 2 | 300 | 0 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 214 | 5185 | SH |  | DFND | 2 | 5185 | 0 | 0 |
| WENDY'S CO | COMMON STOCK | 95058W100 |  | 19 | 850 | SH |  | DFND | 2 | 850 | 0 | 0 |
| WILLIAMS COS INC | COMMON STOCK | 969457100 |  | 1399 | 42508 | SH |  | DFND | 2 | 42508 | 0 | 0 |
| XYLEM INC | COMMON STOCK | 98419M100 |  | 8 | 73 | SH |  | DFND | 2 | 73 | 0 | 0 |
| YUM CHINA HOLDINGS INC | COMMON STOCK | 98850P109 |  | 27 | 500 | SH |  | DFND | 2 | 500 | 0 | 0 |
| YUM! BRANDS INC | COMMON STOCK | 988498101 |  | 1426 | 11138 | SH |  | DFND | 2 | 11138 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COMMON STOCK | 98956P102 |  | 82 | 645 | SH |  | DFND | 2 | 645 | 0 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 263 | 2190 | SH |  | DFND | 2 | 2190 | 0 | 0 |
| BIONTECH SE SPONS ADR | COMMON STOCK | 09075V102 |  | 8 | 50 | SH |  | DFND | 2 | 50 | 0 | 0 |
| BP PLC SPONS ADR | COMMON STOCK | 055622104 |  | 74 | 2122 | SH |  | DFND | 2 | 2122 | 0 | 0 |
| RIO TINTO PLC SPONS ADR | COMMON STOCK | 767204100 |  | 43 | 600 | SH |  | DFND | 2 | 600 | 0 | 0 |
| AMERICAN TOWER CORP REIT | COMMON STOCK | 03027X100 |  | 92 | 435 | SH |  | DFND | 2 | 435 | 0 | 0 |
| LXP INDUSTRIAL TRUST REIT | COMMON STOCK | 529043101 |  | 15 | 1500 | SH |  | DFND | 2 | 1500 | 0 | 0 |
| ARROW FINANCIAL CORPORATION | COMMON STOCK | 042744102 |  | 52753 | 1556129 | SH |  | DFND | 2 | 1556129 | 0 | 0 |
| ACCENTURE PLC CL A | COMMON STOCK | G1151C101 |  | 57 | 215 | SH |  | DFND | 2 | 215 | 0 | 0 |
| BARRICK GOLD CORP | COMMON STOCK | 067901108 |  | 12 | 700 | SH |  | DFND | 2 | 700 | 0 | 0 |
| CHECK POINT SOFTWARE TECH LTD | COMMON STOCK | M22465104 |  | 22 | 175 | SH |  | DFND | 2 | 175 | 0 | 0 |
| EATON CORP PLC | COMMON STOCK | G29183103 |  | 24 | 154 | SH |  | DFND | 2 | 154 | 0 | 0 |
| ENBRIDGE INCORPORATED | COMMON STOCK | 29250N105 |  | 66 | 1700 | SH |  | DFND | 2 | 1700 | 0 | 0 |
| GLOBALFOUNDRIES INC | COMMON STOCK | G39387108 |  | 42 | 775 | SH |  | DFND | 2 | 775 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES NV | COMMON STOCK | N53745100 |  | 847 | 10201 | SH |  | DFND | 2 | 10201 | 0 | 0 |
| MANULIFE FINANCIAL CORP | COMMON STOCK | 56501R106 |  | 4 | 236 | SH |  | DFND | 2 | 236 | 0 | 0 |
| MEDTRONIC PLC | COMMON STOCK | G5960L103 |  | 80 | 1034 | SH |  | DFND | 2 | 1034 | 0 | 0 |
| MIND MEDICINE MINDMED INC | COMMON STOCK | 60255C885 |  | 0 | 66 | SH |  | DFND | 2 | 66 | 0 | 0 |
| RESTAURANT BRANDS INTERNATIONA | COMMON STOCK | 76131D103 |  | 14 | 216 | SH |  | DFND | 2 | 216 | 0 | 0 |
| ROYAL BANK OF CANADA | COMMON STOCK | 780087102 |  | 9 | 100 | SH |  | DFND | 2 | 100 | 0 | 0 |
| SCHLUMBERGER LTD | COMMON STOCK | 806857108 |  | 31 | 578 | SH |  | DFND | 2 | 578 | 0 | 0 |
| SHOPIFY INC CL A | COMMON STOCK | 82509L107 |  | 12 | 360 | SH |  | DFND | 2 | 360 | 0 | 0 |
| THOMSON REUTERS CORP | COMMON STOCK | 884903709 |  | 10 | 90 | SH |  | DFND | 2 | 90 | 0 | 0 |
| TORONTO DOMINION BANK | COMMON STOCK | 891160509 |  | 122 | 1890 | SH |  | DFND | 2 | 1890 | 0 | 0 |
| COMM. SERV. SELECT SECTOR SPDR | OTHER | 81369Y852 |  | 11 | 220 | SH |  | DFND | 2 | 220 | 0 | 0 |
| CONS DISC SELECT SECTOR SPDR F | OTHER | 81369Y407 |  | 234 | 1810 | SH |  | DFND | 2 | 1810 | 0 | 0 |
| CONS STAPLES SELECT SECT SPDR | OTHER | 81369Y308 |  | 97 | 1300 | SH |  | DFND | 2 | 1300 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR FUND | OTHER | 81369Y506 |  | 172 | 1967 | SH |  | DFND | 2 | 1967 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDR F | OTHER | 81369Y605 |  | 496 | 14513 | SH |  | DFND | 2 | 14513 | 0 | 0 |
| GABELLI DIVIDEND  INCOME TRUS | OTHER | 36242H104 |  | 31 | 1485 | SH |  | DFND | 2 | 1485 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | OTHER | 81369Y209 |  | 483 | 3556 | SH |  | DFND | 2 | 3556 | 0 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR | OTHER | 81369Y704 |  | 270 | 2747 | SH |  | DFND | 2 | 2747 | 0 | 0 |
| INVESCO KBW HIGH DIVIDEND YIEL | OTHER | 46138E610 |  | 26 | 1780 | SH |  | DFND | 2 | 1780 | 0 | 0 |
| INVESCO QQQ TRUST SERIES 1 | OTHER | 46090E103 |  | 14091 | 52919 | SH |  | DFND | 2 | 52919 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT E | OTHER | 46137V357 |  | 48 | 342 | SH |  | DFND | 2 | 342 | 0 | 0 |
| ISHARES CORE MSCI DEV MKTS ETF | OTHER | 46435G326 |  | 27105 | 484189 | SH |  | DFND | 2 | 484189 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | OTHER | 46432F842 |  | 46 | 750 | SH |  | DFND | 2 | 750 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | OTHER | 464287507 |  | 40390 | 166977 | SH |  | DFND | 2 | 166977 | 0 | 0 |
| ISHARES CORE S SMALL-CAP ETF | OTHER | 464287804 |  | 32189 | 340114 | SH |  | DFND | 2 | 340114 | 0 | 0 |
| ISHARES CORE S 500 ETF | OTHER | 464287200 |  | 108 | 282 | SH |  | DFND | 2 | 282 | 0 | 0 |
| ISHARES MSCI EAFE ETF | OTHER | 464287465 |  | 5 | 70 | SH |  | DFND | 2 | 70 | 0 | 0 |
| ISHARES MSCI USA QUALITY FACTO | OTHER | 46432F339 |  | 101 | 886 | SH |  | DFND | 2 | 886 | 0 | 0 |
| ISHARES RUSSELL MIDCAP ETF | OTHER | 464287499 |  | 210 | 3118 | SH |  | DFND | 2 | 3118 | 0 | 0 |
| ISHARES SILVER TRUST | OTHER | 46428Q109 |  | 50 | 2285 | SH |  | DFND | 2 | 2285 | 0 | 0 |
| ISHARES US REGIONAL BANKS ETF | OTHER | 464288778 |  | 35 | 735 | SH |  | DFND | 2 | 735 | 0 | 0 |
| MATERIALS SELECT SECTOR SPDR F | OTHER | 81369Y100 |  | 1633 | 21024 | SH |  | DFND | 2 | 21024 | 0 | 0 |
| REAL ESTATE SELECT SECTOR SPDR | OTHER | 81369Y860 |  | 5 | 133 | SH |  | DFND | 2 | 133 | 0 | 0 |
| SPDR GOLD TRUST | OTHER | 78463V107 |  | 237 | 1399 | SH |  | DFND | 2 | 1399 | 0 | 0 |
| SPDR PORTFOLIO S 500 GROWTH | OTHER | 78464A409 |  | 354 | 6977 | SH |  | DFND | 2 | 6977 | 0 | 0 |
| SPDR PORTFOLIO S 500 VALUE E | OTHER | 78464A508 |  | 365 | 9376 | SH |  | DFND | 2 | 9376 | 0 | 0 |
| SPDR S BIOTECH ETF | OTHER | 78464A870 |  | 120 | 1440 | SH |  | DFND | 2 | 1440 | 0 | 0 |
| SPDR S INSURANCE ETF | OTHER | 78464A789 |  | 52 | 1260 | SH |  | DFND | 2 | 1260 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TRUST | OTHER | 78467Y107 |  | 11 | 25 | SH |  | DFND | 2 | 25 | 0 | 0 |
| SPDR S 500 ETF TRUST | OTHER | 78462F103 |  | 5300 | 13860 | SH |  | DFND | 2 | 13860 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR | OTHER | 81369Y803 |  | 573 | 4607 | SH |  | DFND | 2 | 4607 | 0 | 0 |
| UTILITIES SELECT SECTOR SPDR F | OTHER | 81369Y886 |  | 743 | 10543 | SH |  | DFND | 2 | 10543 | 0 | 0 |
| VANECK BIOTECH ETF | OTHER | 92189F726 |  | 40 | 250 | SH |  | DFND | 2 | 250 | 0 | 0 |
| VANECK GOLD MINERS ETF | OTHER | 92189F106 |  | 48 | 1670 | SH |  | DFND | 2 | 1670 | 0 | 0 |
| VANECK SEMICONDUCTOR ETF | OTHER | 92189F676 |  | 88 | 432 | SH |  | DFND | 2 | 432 | 0 | 0 |
| VANECK SOCIAL SENTIMENT ETF | OTHER | 92189H839 |  | 21 | 1750 | SH |  | DFND | 2 | 1750 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKET | OTHER | 921943858 |  | 16 | 380 | SH |  | DFND | 2 | 380 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS | OTHER | 922042858 |  | 5 | 124 | SH |  | DFND | 2 | 124 | 0 | 0 |
| VANGUARD GROWTH ETF | OTHER | 922908736 |  | 118 | 556 | SH |  | DFND | 2 | 556 | 0 | 0 |
| VANGUARD HEALTH CARE ETF | OTHER | 92204A504 |  | 13 | 52 | SH |  | DFND | 2 | 52 | 0 | 0 |
| VANGUARD INFO TECH ETF | OTHER | 92204A702 |  | 33 | 104 | SH |  | DFND | 2 | 104 | 0 | 0 |
| VANGUARD MID-CAP ETF | OTHER | 922908629 |  | 27095 | 132945 | SH |  | DFND | 2 | 132945 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | OTHER | 922908553 |  | 176 | 2135 | SH |  | DFND | 2 | 2135 | 0 | 0 |
| VANGUARD S 500 ETF | OTHER | 922908363 |  | 79093 | 225118 | SH |  | DFND | 2 | 225118 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | OTHER | 922908751 |  | 10432 | 56836 | SH |  | DFND | 2 | 56836 | 0 | 0 |
| ISHARES BARCLAYS 1-3 YEAR TR E | OTHER | 464287457 |  | 120 | 1484 | SH |  | DFND | 2 | 1484 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE | OTHER | 464287226 |  | 4551 | 46927 | SH |  | DFND | 2 | 46927 | 0 | 0 |
| ISHARES ESG AWARE 1-5 YEAR USD | OTHER | 46435G243 |  | 456 | 19180 | SH |  | DFND | 2 | 19180 | 0 | 0 |
| ISHARES IBONDS DEC 2023 TERM C | OTHER | 46434VAX8 |  | 6865 | 274260 | SH |  | DFND | 2 | 274260 | 0 | 0 |
| ISHARES IBONDS DEC 2024 MUNI E | OTHER | 46435U697 |  | 246 | 9540 | SH |  | DFND | 2 | 9540 | 0 | 0 |
| ISHARES IBONDS DEC 2024 TERM C | OTHER | 46434VBG4 |  | 6691 | 274013 | SH |  | DFND | 2 | 274013 | 0 | 0 |
| ISHARES IBONDS DEC 2025 TERM C | OTHER | 46434VBD1 |  | 6764 | 278107 | SH |  | DFND | 2 | 278107 | 0 | 0 |
| ISHARES IBONDS DEC 2026 MUNI E | OTHER | 46435U259 |  | 247 | 9791 | SH |  | DFND | 2 | 9791 | 0 | 0 |
| ISHARES IBONDS DEC 2026 TERM C | OTHER | 46435GAA0 |  | 6590 | 282244 | SH |  | DFND | 2 | 282244 | 0 | 0 |
| ISHARES IBONDS DEC 2027 TERM C | OTHER | 46435UAA9 |  | 6362 | 272233 | SH |  | DFND | 2 | 272233 | 0 | 0 |
| ISHARES IBONDS DEC 2028 TERM C | OTHER | 46435U515 |  | 6217 | 255949 | SH |  | DFND | 2 | 255949 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERM C | OTHER | 46436E205 |  | 5510 | 248555 | SH |  | DFND | 2 | 248555 | 0 | 0 |
| ISHARES IBONDS DEC 2030 TERM C | OTHER | 46436E726 |  | 5141 | 247156 | SH |  | DFND | 2 | 247156 | 0 | 0 |
| ISHARES IBONDS DEC 2031 TERM C | OTHER | 46436E486 |  | 5009 | 251835 | SH |  | DFND | 2 | 251835 | 0 | 0 |
| ISHARES IBONDS 2023 H/Y INC | OTHER | 46435U150 |  | 620 | 26417 | SH |  | DFND | 2 | 26417 | 0 | 0 |
| ISHARES IBONDS 2024 H/Y INC | OTHER | 46435U184 |  | 151 | 6638 | SH |  | DFND | 2 | 6638 | 0 | 0 |
| ISHARES 1-5Y INV GRADE CORP ET | OTHER | 464288646 |  | 4303 | 86361 | SH |  | DFND | 2 | 86361 | 0 | 0 |
| VANGUARD SHORT TERM CORP BOND | OTHER | 92206C409 |  | 11683 | 155376 | SH |  | DFND | 2 | 155376 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | OTHER | 921937835 |  | 1312 | 18264 | SH |  | DFND | 2 | 18264 | 0 | 0 |
| ISHARES IBONDS DEC 2023 MUNI E | OTHER | 46435G318 |  | 245 | 9684 | SH |  | DFND | 2 | 9684 | 0 | 0 |
| ISHARES IBONDS DEC 2025 MUNI E | OTHER | 46435U432 |  | 246 | 9333 | SH |  | DFND | 2 | 9333 | 0 | 0 |
| ISHARES IBONDS DEC 2027 MUNI E | OTHER | 46435U283 |  | 247 | 9857 | SH |  | DFND | 2 | 9857 | 0 | 0 |
| ISHARES NATIONAL MUNI BOND ETF | OTHER | 464288414 |  | 1217 | 11536 | SH |  | DFND | 2 | 11536 | 0 | 0 |
| ISHARES NEW YORK MUNI BOND ETF | OTHER | 464288323 |  | 4402 | 84016 | SH |  | DFND | 2 | 84016 | 0 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 138 | 1257 | SH |  | OTR | 2 | 0 | 1257 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 327 | 2025 | SH |  | OTR | 2 | 0 | 2025 | 0 |
| ADOBE INC | COMMON STOCK | 00724F101 |  | 82 | 245 | SH |  | OTR | 2 | 0 | 245 | 0 |
| ALPHABET INC CL A | COMMON STOCK | 02079K305 |  | 540 | 6120 | SH |  | OTR | 2 | 0 | 6120 | 0 |
| ALPHABET INC CL C | COMMON STOCK | 02079K107 |  | 177 | 2000 | SH |  | OTR | 2 | 0 | 2000 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 7 | 150 | SH |  | OTR | 2 | 0 | 150 | 0 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 220 | 2620 | SH |  | OTR | 2 | 0 | 2620 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 192 | 1300 | SH |  | OTR | 2 | 0 | 1300 | 0 |
| AMERICAN WATER WORKS CO INC | COMMON STOCK | 030420103 |  | 43 | 285 | SH |  | OTR | 2 | 0 | 285 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 66 | 250 | SH |  | OTR | 2 | 0 | 250 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 1188 | 9146 | SH |  | OTR | 2 | 0 | 9146 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 54 | 2957 | SH |  | OTR | 2 | 0 | 2957 | 0 |
| AUTOMATIC DATA PROCESSING INC | COMMON STOCK | 053015103 |  | 746 | 3125 | SH |  | OTR | 2 | 0 | 3125 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 178 | 5370 | SH |  | OTR | 2 | 0 | 5370 | 0 |
| BANK OF NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 67 | 1475 | SH |  | OTR | 2 | 0 | 1475 | 0 |
| BAXTER INTL INC | COMMON STOCK | 071813109 |  | 97 | 1900 | SH |  | OTR | 2 | 0 | 1900 | 0 |
| BECTON DICKINSON | COMMON STOCK | 075887109 |  | 37 | 145 | SH |  | OTR | 2 | 0 | 145 | 0 |
| BERKSHIRE HATHAWAY INC-CL B | COMMON STOCK | 084670702 |  | 368 | 1190 | SH |  | OTR | 2 | 0 | 1190 | 0 |
| BLACKROCK INC CL A | COMMON STOCK | 09247X101 |  | 181 | 255 | SH |  | OTR | 2 | 0 | 255 | 0 |
| BLOCK INC CL A | COMMON STOCK | 852234103 |  | 12 | 185 | SH |  | OTR | 2 | 0 | 185 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 181 | 2511 | SH |  | OTR | 2 | 0 | 2511 | 0 |
| CARDINAL HEALTH INC | COMMON STOCK | 14149Y108 |  | 15 | 200 | SH |  | OTR | 2 | 0 | 200 | 0 |
| CARRIER GLOBAL CORP | COMMON STOCK | 14448C104 |  | 197 | 4770 | SH |  | OTR | 2 | 0 | 4770 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 274 | 1145 | SH |  | OTR | 2 | 0 | 1145 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 473 | 2633 | SH |  | OTR | 2 | 0 | 2633 | 0 |
| CIGNA CORP | COMMON STOCK | 125523100 |  | 15 | 44 | SH |  | OTR | 2 | 0 | 44 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 72 | 1505 | SH |  | OTR | 2 | 0 | 1505 | 0 |
| CLOROX COMPANY | COMMON STOCK | 189054109 |  | 14 | 100 | SH |  | OTR | 2 | 0 | 100 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 129 | 2030 | SH |  | OTR | 2 | 0 | 2030 | 0 |
| COLGATE PALMOLIVE CO | COMMON STOCK | 194162103 |  | 449 | 5700 | SH |  | OTR | 2 | 0 | 5700 | 0 |
| COMCAST CORP-CL A | COMMON STOCK | 20030N101 |  | 10 | 300 | SH |  | OTR | 2 | 0 | 300 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 163 | 1381 | SH |  | OTR | 2 | 0 | 1381 | 0 |
| CONSTELLATION BRANDS INC | COMMON STOCK | 21036P108 |  | 178 | 767 | SH |  | OTR | 2 | 0 | 767 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 48 | 105 | SH |  | OTR | 2 | 0 | 105 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 45 | 185 | SH |  | OTR | 2 | 0 | 185 | 0 |
| CVS HEALTH CORP | COMMON STOCK | 126650100 |  | 36 | 390 | SH |  | OTR | 2 | 0 | 390 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 59 | 221 | SH |  | OTR | 2 | 0 | 221 | 0 |
| DISNEY WALT CO NEW | COMMON STOCK | 254687106 |  | 158 | 1817 | SH |  | OTR | 2 | 0 | 1817 | 0 |
| DOCUSIGN INC | COMMON STOCK | 256163106 |  | 12 | 225 | SH |  | OTR | 2 | 0 | 225 | 0 |
| DOLLAR TREE INC | COMMON STOCK | 256746108 |  | 25 | 175 | SH |  | OTR | 2 | 0 | 175 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 48 | 775 | SH |  | OTR | 2 | 0 | 775 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 2 | 33 | SH |  | OTR | 2 | 0 | 33 | 0 |
| DTE ENERGY CO | COMMON STOCK | 233331107 |  | 33 | 285 | SH |  | OTR | 2 | 0 | 285 | 0 |
| DUKE ENERGY CORP | COMMON STOCK | 26441C204 |  | 65 | 634 | SH |  | OTR | 2 | 0 | 634 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 146 | 1000 | SH |  | OTR | 2 | 0 | 1000 | 0 |
| EMBECTA CORP | COMMON STOCK | 29082K105 |  | 1 | 29 | SH |  | OTR | 2 | 0 | 29 | 0 |
| EMERSON ELEC CO | COMMON STOCK | 291011104 |  | 305 | 3170 | SH |  | OTR | 2 | 0 | 3170 | 0 |
| EOG RES INC | COMMON STOCK | 26875P101 |  | 5 | 35 | SH |  | OTR | 2 | 0 | 35 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 1001 | 9075 | SH |  | OTR | 2 | 0 | 9075 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 50 | 200 | SH |  | OTR | 2 | 0 | 200 | 0 |
| GILEAD SCIENCES INC | COMMON STOCK | 375558103 |  | 9 | 110 | SH |  | OTR | 2 | 0 | 110 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 9 | 25 | SH |  | OTR | 2 | 0 | 25 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 551 | 1744 | SH |  | OTR | 2 | 0 | 1744 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 158 | 735 | SH |  | OTR | 2 | 0 | 735 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 146 | 5540 | SH |  | OTR | 2 | 0 | 5540 | 0 |
| INTERCONTINENTAL EXCHANGE GROU | COMMON STOCK | 45866F104 |  | 100 | 975 | SH |  | OTR | 2 | 0 | 975 | 0 |
| INTL. BUSINESS MACHINES CORP | COMMON STOCK | 459200101 |  | 634 | 4500 | SH |  | OTR | 2 | 0 | 4500 | 0 |
| INTUIT INC | COMMON STOCK | 461202103 |  | 315 | 810 | SH |  | OTR | 2 | 0 | 810 | 0 |
| JACOBS SOLUTIONS INC | COMMON STOCK | 46982L108 |  | 74 | 615 | SH |  | OTR | 2 | 0 | 615 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 1122 | 6351 | SH |  | OTR | 2 | 0 | 6351 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 991 | 7390 | SH |  | OTR | 2 | 0 | 7390 | 0 |
| KELLOGG CO | COMMON STOCK | 487836108 |  | 64 | 900 | SH |  | OTR | 2 | 0 | 900 | 0 |
| KRAFT HEINZ CO | COMMON STOCK | 500754106 |  | 1 | 33 | SH |  | OTR | 2 | 0 | 33 | 0 |
| LILLY ELI  CO | COMMON STOCK | 532457108 |  | 622 | 1700 | SH |  | OTR | 2 | 0 | 1700 | 0 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 196 | 985 | SH |  | OTR | 2 | 0 | 985 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 10 | 65 | SH |  | OTR | 2 | 0 | 65 | 0 |
| MASCO CORP | COMMON STOCK | 574599106 |  | 22 | 470 | SH |  | OTR | 2 | 0 | 470 | 0 |
| MASTERCARD INC CL A | COMMON STOCK | 57636Q104 |  | 31 | 90 | SH |  | OTR | 2 | 0 | 90 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 130 | 495 | SH |  | OTR | 2 | 0 | 495 | 0 |
| MERCK  CO INC | COMMON STOCK | 58933Y105 |  | 361 | 3255 | SH |  | OTR | 2 | 0 | 3255 | 0 |
| META PLATFORMS INC CL A | COMMON STOCK | 30303M102 |  | 20 | 165 | SH |  | OTR | 2 | 0 | 165 | 0 |
| METLIFE INC | COMMON STOCK | 59156R108 |  | 17 | 235 | SH |  | OTR | 2 | 0 | 235 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 1649 | 6875 | SH |  | OTR | 2 | 0 | 6875 | 0 |
| MONDELEZ INTERNATIONAL INC | COMMON STOCK | 609207105 |  | 14 | 207 | SH |  | OTR | 2 | 0 | 207 | 0 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 170 | 2000 | SH |  | OTR | 2 | 0 | 2000 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 69 | 235 | SH |  | OTR | 2 | 0 | 235 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 206 | 2470 | SH |  | OTR | 2 | 0 | 2470 | 0 |
| NIKE INC-CLASS B | COMMON STOCK | 654106103 |  | 345 | 2950 | SH |  | OTR | 2 | 0 | 2950 | 0 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 166 | 675 | SH |  | OTR | 2 | 0 | 675 | 0 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 237 | 1625 | SH |  | OTR | 2 | 0 | 1625 | 0 |
| OCCIDENTAL PETE CORP | COMMON STOCK | 674599105 |  | 36 | 565 | SH |  | OTR | 2 | 0 | 565 | 0 |
| ORACLE CORPORATION | COMMON STOCK | 68389X105 |  | 508 | 6220 | SH |  | OTR | 2 | 0 | 6220 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 1 | 24 | SH |  | OTR | 2 | 0 | 24 | 0 |
| OTIS WORLDWIDE CORP | COMMON STOCK | 68902V107 |  | 165 | 2109 | SH |  | OTR | 2 | 0 | 2109 | 0 |
| PARAMOUNT GLOBAL CL B | COMMON STOCK | 92556H206 |  | 13 | 776 | SH |  | OTR | 2 | 0 | 776 | 0 |
| PAYCHEX INC | COMMON STOCK | 704326107 |  | 140 | 1215 | SH |  | OTR | 2 | 0 | 1215 | 0 |
| PAYPAL HOLDINGS INC | COMMON STOCK | 70450Y103 |  | 74 | 1037 | SH |  | OTR | 2 | 0 | 1037 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 841 | 4656 | SH |  | OTR | 2 | 0 | 4656 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 587 | 11455 | SH |  | OTR | 2 | 0 | 11455 | 0 |
| PHILIP MORRIS INTERNATIONAL | COMMON STOCK | 718172109 |  | 10 | 100 | SH |  | OTR | 2 | 0 | 100 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 3 | 32 | SH |  | OTR | 2 | 0 | 32 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 777 | 5125 | SH |  | OTR | 2 | 0 | 5125 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 24 | 220 | SH |  | OTR | 2 | 0 | 220 | 0 |
| QUEST DIAGNOSTICS INC | COMMON STOCK | 74834L100 |  | 78 | 500 | SH |  | OTR | 2 | 0 | 500 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COMMON STOCK | 75513E101 |  | 576 | 5705 | SH |  | OTR | 2 | 0 | 5705 | 0 |
| RUMBLE INC CL A | COMMON STOCK | 78137L105 |  | 6 | 1000 | SH |  | OTR | 2 | 0 | 1000 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 81 | 610 | SH |  | OTR | 2 | 0 | 610 | 0 |
| SOUTHERN COMPANY | COMMON STOCK | 842587107 |  | 43 | 600 | SH |  | OTR | 2 | 0 | 600 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 209 | 2110 | SH |  | OTR | 2 | 0 | 2110 | 0 |
| STRYKER CORPORATION | COMMON STOCK | 863667101 |  | 373 | 1525 | SH |  | OTR | 2 | 0 | 1525 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 23 | 300 | SH |  | OTR | 2 | 0 | 300 | 0 |
| T ROWE PRICE GROUP INC | COMMON STOCK | 74144T108 |  | 190 | 1740 | SH |  | OTR | 2 | 0 | 1740 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 215 | 390 | SH |  | OTR | 2 | 0 | 390 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 175 | 2195 | SH |  | OTR | 2 | 0 | 2195 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 22 | 120 | SH |  | OTR | 2 | 0 | 120 | 0 |
| TRUIST FINANCIAL CORP | COMMON STOCK | 89832Q109 |  | 4 | 100 | SH |  | OTR | 2 | 0 | 100 | 0 |
| UNION PAC CORP | COMMON STOCK | 907818108 |  | 103 | 495 | SH |  | OTR | 2 | 0 | 495 | 0 |
| UNITED PARCEL SERVICE CL B | COMMON STOCK | 911312106 |  | 122 | 700 | SH |  | OTR | 2 | 0 | 700 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 167 | 315 | SH |  | OTR | 2 | 0 | 315 | 0 |
| US BANCORP NEW | COMMON STOCK | 902973304 |  | 132 | 3025 | SH |  | OTR | 2 | 0 | 3025 | 0 |
| VERIZON COMMUNICATIONS | COMMON STOCK | 92343V104 |  | 156 | 3972 | SH |  | OTR | 2 | 0 | 3972 | 0 |
| VERTEX PHARMACEUTICALS INC | COMMON STOCK | 92532F100 |  | 87 | 300 | SH |  | OTR | 2 | 0 | 300 | 0 |
| VIATRIS INC | COMMON STOCK | 92556V106 |  | 12 | 1086 | SH |  | OTR | 2 | 0 | 1086 | 0 |
| VISA INC CL A | COMMON STOCK | 92826C839 |  | 266 | 1280 | SH |  | OTR | 2 | 0 | 1280 | 0 |
| WALMART INC | COMMON STOCK | 931142103 |  | 74 | 520 | SH |  | OTR | 2 | 0 | 520 | 0 |
| WARNER BROS DISCOVERY INC CL A | COMMON STOCK | 934423104 |  | 3 | 359 | SH |  | OTR | 2 | 0 | 359 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 63 | 1525 | SH |  | OTR | 2 | 0 | 1525 | 0 |
| WILLIAMS COS INC | COMMON STOCK | 969457100 |  | 59 | 1805 | SH |  | OTR | 2 | 0 | 1805 | 0 |
| YUM! BRANDS INC | COMMON STOCK | 988498101 |  | 17 | 135 | SH |  | OTR | 2 | 0 | 135 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COMMON STOCK | 98956P102 |  | 48 | 375 | SH |  | OTR | 2 | 0 | 375 | 0 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 259 | 2160 | SH |  | OTR | 2 | 0 | 2160 | 0 |
| AMERICAN TOWER CORP REIT | COMMON STOCK | 03027X100 |  | 36 | 170 | SH |  | OTR | 2 | 0 | 170 | 0 |
| ARROW FINANCIAL CORPORATION | COMMON STOCK | 042744102 |  | 736 | 21707 | SH |  | OTR | 2 | 0 | 21707 | 0 |
| EATON CORP PLC | COMMON STOCK | G29183103 |  | 78 | 500 | SH |  | OTR | 2 | 0 | 500 | 0 |
| LINDE PLC | COMMON STOCK | G5494J103 |  | 90 | 275 | SH |  | OTR | 2 | 0 | 275 | 0 |
| LYONDELLBASELL INDUSTRIES NV | COMMON STOCK | N53745100 |  | 11 | 130 | SH |  | OTR | 2 | 0 | 130 | 0 |
| MEDTRONIC PLC | COMMON STOCK | G5960L103 |  | 47 | 600 | SH |  | OTR | 2 | 0 | 600 | 0 |
| SCHLUMBERGER LTD | COMMON STOCK | 806857108 |  | 12 | 225 | SH |  | OTR | 2 | 0 | 225 | 0 |
| TORONTO DOMINION BANK | COMMON STOCK | 891160509 |  | 135 | 2084 | SH |  | OTR | 2 | 0 | 2084 | 0 |
| COMM. SERV. SELECT SECTOR SPDR | OTHER | 81369Y852 |  | 390 | 8133 | SH |  | OTR | 2 | 0 | 8133 | 0 |
| CONS DISC SELECT SECTOR SPDR F | OTHER | 81369Y407 |  | 582 | 4506 | SH |  | OTR | 2 | 0 | 4506 | 0 |
| CONS STAPLES SELECT SECT SPDR | OTHER | 81369Y308 |  | 356 | 4778 | SH |  | OTR | 2 | 0 | 4778 | 0 |
| ENERGY SELECT SECTOR SPDR FUND | OTHER | 81369Y506 |  | 238 | 2722 | SH |  | OTR | 2 | 0 | 2722 | 0 |
| FINANCIAL SELECT SECTOR SPDR F | OTHER | 81369Y605 |  | 612 | 17882 | SH |  | OTR | 2 | 0 | 17882 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | OTHER | 81369Y209 |  | 809 | 5955 | SH |  | OTR | 2 | 0 | 5955 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR | OTHER | 81369Y704 |  | 511 | 5202 | SH |  | OTR | 2 | 0 | 5202 | 0 |
| INVESCO QQQ TRUST SERIES 1 | OTHER | 46090E103 |  | 126 | 474 | SH |  | OTR | 2 | 0 | 474 | 0 |
| ISHARES CORE MSCI DEV MKTS ETF | OTHER | 46435G326 |  | 887 | 15851 | SH |  | OTR | 2 | 0 | 15851 | 0 |
| ISHARES CORE S MID-CAP ETF | OTHER | 464287507 |  | 337 | 1394 | SH |  | OTR | 2 | 0 | 1394 | 0 |
| ISHARES CORE S SMALL-CAP ETF | OTHER | 464287804 |  | 680 | 7188 | SH |  | OTR | 2 | 0 | 7188 | 0 |
| ISHARES MSCI ALL COUNTRY ASIA | OTHER | 464288182 |  | 3 | 46 | SH |  | OTR | 2 | 0 | 46 | 0 |
| ISHARES MSCI EMERGING MKT ETF | OTHER | 464287234 |  | 15 | 396 | SH |  | OTR | 2 | 0 | 396 | 0 |
| ISHARES RUSSELL MIDCAP ETF | OTHER | 464287499 |  | 34 | 500 | SH |  | OTR | 2 | 0 | 500 | 0 |
| MATERIALS SELECT SECTOR SPDR F | OTHER | 81369Y100 |  | 299 | 3854 | SH |  | OTR | 2 | 0 | 3854 | 0 |
| SPDR PORTFOLIO S 500 VALUE E | OTHER | 78464A508 |  | 20 | 525 | SH |  | OTR | 2 | 0 | 525 | 0 |
| SPDR S BIOTECH ETF | OTHER | 78464A870 |  | 8 | 100 | SH |  | OTR | 2 | 0 | 100 | 0 |
| SPDR S TELECOM ETF | OTHER | 78464A540 |  | 6 | 70 | SH |  | OTR | 2 | 0 | 70 | 0 |
| SPDR S 500 ETF TRUST | OTHER | 78462F103 |  | 130 | 340 | SH |  | OTR | 2 | 0 | 340 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR | OTHER | 81369Y803 |  | 1447 | 11627 | SH |  | OTR | 2 | 0 | 11627 | 0 |
| UTILITIES SELECT SECTOR SPDR F | OTHER | 81369Y886 |  | 162 | 2293 | SH |  | OTR | 2 | 0 | 2293 | 0 |
| VANGUARD MID-CAP ETF | OTHER | 922908629 |  | 3184 | 15623 | SH |  | OTR | 2 | 0 | 15623 | 0 |
| VANGUARD REAL ESTATE ETF | OTHER | 922908553 |  | 164 | 1990 | SH |  | OTR | 2 | 0 | 1990 | 0 |
| VANGUARD S 500 ETF | OTHER | 922908363 |  | 1313 | 3736 | SH |  | OTR | 2 | 0 | 3736 | 0 |
| VANGUARD SMALL-CAP ETF | OTHER | 922908751 |  | 1280 | 6976 | SH |  | OTR | 2 | 0 | 6976 | 0 |
| ISHARES BARCLAYS 1-3 YEAR TR E | OTHER | 464287457 |  | 122 | 1500 | SH |  | OTR | 2 | 0 | 1500 | 0 |
| ISHARES CORE U.S. AGGREGATE | OTHER | 464287226 |  | 461 | 4750 | SH |  | OTR | 2 | 0 | 4750 | 0 |
| ISHARES IBONDS DEC 2023 TERM C | OTHER | 46434VAX8 |  | 131 | 5235 | SH |  | OTR | 2 | 0 | 5235 | 0 |
| ISHARES IBONDS DEC 2024 TERM C | OTHER | 46434VBG4 |  | 238 | 9732 | SH |  | OTR | 2 | 0 | 9732 | 0 |
| ISHARES IBONDS DEC 2025 TERM C | OTHER | 46434VBD1 |  | 190 | 7813 | SH |  | OTR | 2 | 0 | 7813 | 0 |
| ISHARES IBONDS DEC 2026 TERM C | OTHER | 46435GAA0 |  | 189 | 8087 | SH |  | OTR | 2 | 0 | 8087 | 0 |
| ISHARES IBONDS DEC 2027 TERM C | OTHER | 46435UAA9 |  | 231 | 9886 | SH |  | OTR | 2 | 0 | 9886 | 0 |
| ISHARES IBONDS DEC 2028 TERM C | OTHER | 46435U515 |  | 228 | 9404 | SH |  | OTR | 2 | 0 | 9404 | 0 |
| ISHARES IBONDS DEC 2029 TERM C | OTHER | 46436E205 |  | 142 | 6420 | SH |  | OTR | 2 | 0 | 6420 | 0 |
| ISHARES IBONDS DEC 2030 TERM C | OTHER | 46436E726 |  | 62 | 2963 | SH |  | OTR | 2 | 0 | 2963 | 0 |
| ISHARES IBONDS DEC 2031 TERM C | OTHER | 46436E486 |  | 112 | 5653 | SH |  | OTR | 2 | 0 | 5653 | 0 |
| ISHARES 1-5Y INV GRADE CORP ET | OTHER | 464288646 |  | 151 | 3025 | SH |  | OTR | 2 | 0 | 3025 | 0 |
| VANGUARD SHORT TERM CORP BOND | OTHER | 92206C409 |  | 653 | 8684 | SH |  | OTR | 2 | 0 | 8684 | 0 |
| ISHARES NATIONAL MUNI BOND ETF | OTHER | 464288414 |  | 45 | 425 | SH |  | OTR | 2 | 0 | 425 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 22 | 200 | SH |  | OTR |  | 0 | 200 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 32 | 200 | SH |  | OTR |  | 0 | 200 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 44 | 300 | SH |  | OTR |  | 0 | 300 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 39 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 29 | 175 | SH |  | OTR |  | 0 | 175 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 55 | 420 | SH |  | OTR |  | 0 | 420 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 6 | 300 | SH |  | OTR |  | 0 | 300 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 18 | 250 | SH |  | OTR |  | 0 | 250 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 34 | 190 | SH |  | OTR |  | 0 | 190 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 19 | 400 | SH |  | OTR |  | 0 | 400 | 0 |
| COLGATE PALMOLIVE CO | COMMON STOCK | 194162103 |  | 16 | 200 | SH |  | OTR |  | 0 | 200 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 27 | 101 | SH |  | OTR |  | 0 | 101 | 0 |
| DISNEY WALT CO NEW | COMMON STOCK | 254687106 |  | 17 | 200 | SH |  | OTR |  | 0 | 200 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 12 | 200 | SH |  | OTR |  | 0 | 200 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 3 | 66 | SH |  | OTR |  | 0 | 66 | 0 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 5 | 66 | SH |  | OTR |  | 0 | 66 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 24 | 220 | SH |  | OTR |  | 0 | 220 | 0 |
| GENERAL MLS INC | COMMON STOCK | 370334104 |  | 8 | 100 | SH |  | OTR |  | 0 | 100 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 32 | 100 | SH |  | OTR |  | 0 | 100 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 11 | 400 | SH |  | OTR |  | 0 | 400 | 0 |
| INTL. BUSINESS MACHINES CORP | COMMON STOCK | 459200101 |  | 14 | 100 | SH |  | OTR |  | 0 | 100 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 26 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| KYNDRYL HOLDINGS INC | COMMON STOCK | 50155Q100 |  | 0 | 20 | SH |  | OTR |  | 0 | 20 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 7 | 48 | SH |  | OTR |  | 0 | 48 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 26 | 100 | SH |  | OTR |  | 0 | 100 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 96 | 400 | SH |  | OTR |  | 0 | 400 | 0 |
| ORACLE CORPORATION | COMMON STOCK | 68389X105 |  | 25 | 300 | SH |  | OTR |  | 0 | 300 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 27 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 23 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| T ROWE PRICE GROUP INC | COMMON STOCK | 74144T108 |  | 27 | 250 | SH |  | OTR |  | 0 | 250 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 32 | 400 | SH |  | OTR |  | 0 | 400 | 0 |
| VISA INC CL A | COMMON STOCK | 92826C839 |  | 15 | 70 | SH |  | OTR |  | 0 | 70 | 0 |
| WARNER BROS DISCOVERY INC CL A | COMMON STOCK | 934423104 |  | 1 | 72 | SH |  | OTR |  | 0 | 72 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 25 | 600 | SH |  | OTR |  | 0 | 600 | 0 |
| VANGUARD MID-CAP ETF | OTHER | 922908629 |  | 90 | 443 | SH |  | OTR |  | 0 | 443 | 0 |
| VANGUARD SMALL-CAP ETF | OTHER | 922908751 |  | 29 | 158 | SH |  | OTR |  | 0 | 158 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 99 | 906 | SH |  | SOLE |  | 906 | 0 | 0 |
| ACTIVISION BLIZZARD INC | COMMON STOCK | 00507V109 |  | 45 | 584 | SH |  | SOLE |  | 584 | 0 | 0 |
| ADOBE INC | COMMON STOCK | 00724F101 |  | 122 | 364 | SH |  | SOLE |  | 364 | 0 | 0 |
| ALPHABET INC CL A | COMMON STOCK | 02079K305 |  | 168 | 1904 | SH |  | SOLE |  | 1904 | 0 | 0 |
| ALPHABET INC CL C | COMMON STOCK | 02079K107 |  | 71 | 805 | SH |  | SOLE |  | 805 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 21 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 187 | 2232 | SH |  | SOLE |  | 2232 | 0 | 0 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 12 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| AMERICAN WATER WORKS CO INC | COMMON STOCK | 030420103 |  | 42 | 278 | SH |  | SOLE |  | 278 | 0 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 29 | 109 | SH |  | SOLE |  | 109 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 23 | 140 | SH |  | SOLE |  | 140 | 0 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 948 | 7294 | SH |  | SOLE |  | 7294 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 54 | 2950 | SH |  | SOLE |  | 2950 | 0 | 0 |
| AUTODESK INC | COMMON STOCK | 052769106 |  | 19 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC | COMMON STOCK | 053015103 |  | 77 | 321 | SH |  | SOLE |  | 321 | 0 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 77 | 2330 | SH |  | SOLE |  | 2330 | 0 | 0 |
| BERKSHIRE HATHAWAY INC-CL B | COMMON STOCK | 084670702 |  | 127 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| BLACKROCK INC CL A | COMMON STOCK | 09247X101 |  | 119 | 168 | SH |  | SOLE |  | 168 | 0 | 0 |
| BOOKING HOLDINGS INC | COMMON STOCK | 09857L108 |  | 6 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 143 | 1991 | SH |  | SOLE |  | 1991 | 0 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 77 | 323 | SH |  | SOLE |  | 323 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 49 | 272 | SH |  | SOLE |  | 272 | 0 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 108 | 2274 | SH |  | SOLE |  | 2274 | 0 | 0 |
| CLOROX COMPANY | COMMON STOCK | 189054109 |  | 11 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| COCA COLA CO | COMMON STOCK | 191216100 |  | 127 | 1997 | SH |  | SOLE |  | 1997 | 0 | 0 |
| COLGATE PALMOLIVE CO | COMMON STOCK | 194162103 |  | 16 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 72 | 610 | SH |  | SOLE |  | 610 | 0 | 0 |
| CONSTELLATION BRANDS INC | COMMON STOCK | 21036P108 |  | 58 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 115 | 252 | SH |  | SOLE |  | 252 | 0 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 64 | 265 | SH |  | SOLE |  | 265 | 0 | 0 |
| CVS HEALTH CORP | COMMON STOCK | 126650100 |  | 5 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 95 | 358 | SH |  | SOLE |  | 358 | 0 | 0 |
| DEERE  CO | COMMON STOCK | 244199105 |  | 34 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| DELL TECHNOLOGIES INC CL C | COMMON STOCK | 24703L202 |  | 1 | 33 | SH |  | SOLE |  | 33 | 0 | 0 |
| DICK'S SPORTING GOODS INC | COMMON STOCK | 253393102 |  | 6 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| DISNEY WALT CO NEW | COMMON STOCK | 254687106 |  | 117 | 1349 | SH |  | SOLE |  | 1349 | 0 | 0 |
| DOLLAR TREE INC | COMMON STOCK | 256746108 |  | 76 | 540 | SH |  | SOLE |  | 540 | 0 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 18 | 293 | SH |  | SOLE |  | 293 | 0 | 0 |
| DOW INC | COMMON STOCK | 260557103 |  | 2 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 3 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| EASTMAN CHEMICAL CO | COMMON STOCK | 277432100 |  | 22 | 271 | SH |  | SOLE |  | 271 | 0 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 4 | 30 | SH |  | SOLE |  | 30 | 0 | 0 |
| ELEVANCE HEALTH INC | COMMON STOCK | 036752103 |  | 23 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 157 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| FEDEX CORPORATION | COMMON STOCK | 31428X106 |  | 16 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 100 | 405 | SH |  | SOLE |  | 405 | 0 | 0 |
| GENERAL ELECTRIC CO | COMMON STOCK | 369604301 |  | 61 | 723 | SH |  | SOLE |  | 723 | 0 | 0 |
| GENERAL MLS INC | COMMON STOCK | 370334104 |  | 25 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 31 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 204 | 646 | SH |  | SOLE |  | 646 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 149 | 693 | SH |  | SOLE |  | 693 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COMMON STOCK | 452308109 |  | 28 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 18 | 668 | SH |  | SOLE |  | 668 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE GROU | COMMON STOCK | 45866F104 |  | 108 | 1051 | SH |  | SOLE |  | 1051 | 0 | 0 |
| INTERNATIONAL FLAVORS  FRAGRA | COMMON STOCK | 459506101 |  | 3 | 33 | SH |  | SOLE |  | 33 | 0 | 0 |
| INTL. BUSINESS MACHINES CORP | COMMON STOCK | 459200101 |  | 24 | 173 | SH |  | SOLE |  | 173 | 0 | 0 |
| INTUITIVE SURGICAL INC | COMMON STOCK | 46120E602 |  | 4 | 15 | SH |  | SOLE |  | 15 | 0 | 0 |
| JACOBS SOLUTIONS INC | COMMON STOCK | 46982L108 |  | 5 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 195 | 1104 | SH |  | SOLE |  | 1104 | 0 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 187 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| KIMBERLY CLARK CORP | COMMON STOCK | 494368103 |  | 7 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| KINDER MORGAN INC | COMMON STOCK | 49456B101 |  | 1 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| KRAFT HEINZ CO | COMMON STOCK | 500754106 |  | 2 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 68 | 339 | SH |  | SOLE |  | 339 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC | COMMON STOCK | 571903202 |  | 11 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| MASCO CORP | COMMON STOCK | 574599106 |  | 51 | 1099 | SH |  | SOLE |  | 1099 | 0 | 0 |
| MASTERCARD INC CL A | COMMON STOCK | 57636Q104 |  | 114 | 329 | SH |  | SOLE |  | 329 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 107 | 406 | SH |  | SOLE |  | 406 | 0 | 0 |
| MERCK  CO INC | COMMON STOCK | 58933Y105 |  | 86 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| META PLATFORMS INC CL A | COMMON STOCK | 30303M102 |  | 27 | 228 | SH |  | SOLE |  | 228 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC | COMMON STOCK | 595017104 |  | 30 | 430 | SH |  | SOLE |  | 430 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 363 | 1513 | SH |  | SOLE |  | 1513 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | COMMON STOCK | 609207105 |  | 20 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 9 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| MOTOROLA SOLUTIONS INC | COMMON STOCK | 620076307 |  | 6 | 22 | SH |  | SOLE |  | 22 | 0 | 0 |
| NASDAQ INC | COMMON STOCK | 631103108 |  | 18 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 81 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 30 | 360 | SH |  | SOLE |  | 360 | 0 | 0 |
| NIKE INC-CLASS B | COMMON STOCK | 654106103 |  | 37 | 319 | SH |  | SOLE |  | 319 | 0 | 0 |
| NORTHERN TRUST CORP | COMMON STOCK | 665859104 |  | 3 | 38 | SH |  | SOLE |  | 38 | 0 | 0 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 87 | 597 | SH |  | SOLE |  | 597 | 0 | 0 |
| ORACLE CORPORATION | COMMON STOCK | 68389X105 |  | 167 | 2041 | SH |  | SOLE |  | 2041 | 0 | 0 |
| PAYCHEX INC | COMMON STOCK | 704326107 |  | 124 | 1071 | SH |  | SOLE |  | 1071 | 0 | 0 |
| PAYPAL HOLDINGS INC | COMMON STOCK | 70450Y103 |  | 51 | 710 | SH |  | SOLE |  | 710 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 28 | 155 | SH |  | SOLE |  | 155 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 155 | 3016 | SH |  | SOLE |  | 3016 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 119 | 788 | SH |  | SOLE |  | 788 | 0 | 0 |
| PRUDENTIAL FINL INC | COMMON STOCK | 744320102 |  | 12 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 89 | 812 | SH |  | SOLE |  | 812 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COMMON STOCK | 75513E101 |  | 25 | 245 | SH |  | SOLE |  | 245 | 0 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 112 | 843 | SH |  | SOLE |  | 843 | 0 | 0 |
| SOUTHWEST AIRLINES CO | COMMON STOCK | 844741108 |  | 3 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 76 | 769 | SH |  | SOLE |  | 769 | 0 | 0 |
| STRYKER CORPORATION | COMMON STOCK | 863667101 |  | 158 | 647 | SH |  | SOLE |  | 647 | 0 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 39 | 512 | SH |  | SOLE |  | 512 | 0 | 0 |
| T ROWE PRICE GROUP INC | COMMON STOCK | 74144T108 |  | 10 | 92 | SH |  | SOLE |  | 92 | 0 | 0 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 7 | 60 | SH |  | SOLE |  | 60 | 0 | 0 |
| TEXAS INSTRUMENTS INC | COMMON STOCK | 882508104 |  | 15 | 88 | SH |  | SOLE |  | 88 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 123 | 224 | SH |  | SOLE |  | 224 | 0 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 82 | 1033 | SH |  | SOLE |  | 1033 | 0 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 74 | 393 | SH |  | SOLE |  | 393 | 0 | 0 |
| UNION PAC CORP | COMMON STOCK | 907818108 |  | 127 | 614 | SH |  | SOLE |  | 614 | 0 | 0 |
| UNITED PARCEL SERVICE CL B | COMMON STOCK | 911312106 |  | 11 | 61 | SH |  | SOLE |  | 61 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 128 | 242 | SH |  | SOLE |  | 242 | 0 | 0 |
| US BANCORP NEW | COMMON STOCK | 902973304 |  | 62 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| VERIZON COMMUNICATIONS | COMMON STOCK | 92343V104 |  | 81 | 2054 | SH |  | SOLE |  | 2054 | 0 | 0 |
| VISA INC CL A | COMMON STOCK | 92826C839 |  | 209 | 1004 | SH |  | SOLE |  | 1004 | 0 | 0 |
| VMWARE INC CL A | COMMON STOCK | 928563402 |  | 2 | 14 | SH |  | SOLE |  | 14 | 0 | 0 |
| WALMART INC | COMMON STOCK | 931142103 |  | 51 | 361 | SH |  | SOLE |  | 361 | 0 | 0 |
| WARNER BROS DISCOVERY INC CL A | COMMON STOCK | 934423104 |  | 5 | 492 | SH |  | SOLE |  | 492 | 0 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 3 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| WILLIAMS COS INC | COMMON STOCK | 969457100 |  | 93 | 2822 | SH |  | SOLE |  | 2822 | 0 | 0 |
| YUM! BRANDS INC | COMMON STOCK | 988498101 |  | 69 | 539 | SH |  | SOLE |  | 539 | 0 | 0 |
| JD.COM INC CL A SPONS ADR | COMMON STOCK | 47215P106 |  | 6 | 99 | SH |  | SOLE |  | 99 | 0 | 0 |
| VODAFONE GROUP SPONS ADR | COMMON STOCK | 92857W308 |  | 0 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| CROWN CASTLE INC REIT | COMMON STOCK | 22822V101 |  | 10 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| ARROW FINANCIAL CORPORATION | COMMON STOCK | 042744102 |  | 739 | 21803 | SH |  | SOLE |  | 21803 | 0 | 0 |
| ACCENTURE PLC CL A | COMMON STOCK | G1151C101 |  | 15 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES NV | COMMON STOCK | N53745100 |  | 37 | 448 | SH |  | SOLE |  | 448 | 0 | 0 |
| SCHLUMBERGER LTD | COMMON STOCK | 806857108 |  | 33 | 625 | SH |  | SOLE |  | 625 | 0 | 0 |
| COMM. SERV. SELECT SECTOR SPDR | OTHER | 81369Y852 |  | 34 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| CONS DISC SELECT SECTOR SPDR F | OTHER | 81369Y407 |  | 65 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| CONS STAPLES SELECT SECT SPDR | OTHER | 81369Y308 |  | 35 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR FUND | OTHER | 81369Y506 |  | 30 | 344 | SH |  | SOLE |  | 344 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | OTHER | 81369Y209 |  | 109 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR | OTHER | 81369Y704 |  | 65 | 660 | SH |  | SOLE |  | 660 | 0 | 0 |
| INVESCO QQQ TRUST SERIES 1 | OTHER | 46090E103 |  | 1497 | 5621 | SH |  | SOLE |  | 5621 | 0 | 0 |
| ISHARES CORE MSCI DEV MKTS ETF | OTHER | 46435G326 |  | 1765 | 31532 | SH |  | SOLE |  | 31532 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | OTHER | 464287507 |  | 3391 | 14017 | SH |  | SOLE |  | 14017 | 0 | 0 |
| ISHARES CORE S SMALL-CAP ETF | OTHER | 464287804 |  | 2859 | 30214 | SH |  | SOLE |  | 30214 | 0 | 0 |
| ISHARES CORE S 500 ETF | OTHER | 464287200 |  | 10 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| ISHARES RUSSELL MIDCAP ETF | OTHER | 464287499 |  | 124 | 1831 | SH |  | SOLE |  | 1831 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | OTHER | 464287655 |  | 69 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| MATERIALS SELECT SECTOR SPDR F | OTHER | 81369Y100 |  | 105 | 1352 | SH |  | SOLE |  | 1352 | 0 | 0 |
| NUVEEN ESG SMALL-CAP ETF | OTHER | 67092P607 |  | 53 | 1555 | SH |  | SOLE |  | 1555 | 0 | 0 |
| SPDR S BIOTECH ETF | OTHER | 78464A870 |  | 3 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |
| SPDR S 500 ETF TRUST | OTHER | 78462F103 |  | 97 | 253 | SH |  | SOLE |  | 253 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR | OTHER | 81369Y803 |  | 124 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| UTILITIES SELECT SECTOR SPDR F | OTHER | 81369Y886 |  | 64 | 904 | SH |  | SOLE |  | 904 | 0 | 0 |
| VANGUARD MID-CAP ETF | OTHER | 922908629 |  | 1202 | 5899 | SH |  | SOLE |  | 5899 | 0 | 0 |
| VANGUARD S 500 ETF | OTHER | 922908363 |  | 8636 | 24579 | SH |  | SOLE |  | 24579 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | OTHER | 922908751 |  | 459 | 2502 | SH |  | SOLE |  | 2502 | 0 | 0 |
| ISHARES BARCLAYS 1-3 YEAR TR E | OTHER | 464287457 |  | 20 | 242 | SH |  | SOLE |  | 242 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE | OTHER | 464287226 |  | 27 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| ISHARES IBONDS DEC 2023 TERM C | OTHER | 46434VAX8 |  | 829 | 33116 | SH |  | SOLE |  | 33116 | 0 | 0 |
| ISHARES IBONDS DEC 2024 TERM C | OTHER | 46434VBG4 |  | 839 | 34355 | SH |  | SOLE |  | 34355 | 0 | 0 |
| ISHARES IBONDS DEC 2025 TERM C | OTHER | 46434VBD1 |  | 851 | 35004 | SH |  | SOLE |  | 35004 | 0 | 0 |
| ISHARES IBONDS DEC 2026 TERM C | OTHER | 46435GAA0 |  | 857 | 36713 | SH |  | SOLE |  | 36713 | 0 | 0 |
| ISHARES IBONDS DEC 2027 TERM C | OTHER | 46435UAA9 |  | 898 | 38407 | SH |  | SOLE |  | 38407 | 0 | 0 |
| ISHARES IBONDS DEC 2028 TERM C | OTHER | 46435U515 |  | 890 | 36634 | SH |  | SOLE |  | 36634 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERM C | OTHER | 46436E205 |  | 785 | 35403 | SH |  | SOLE |  | 35403 | 0 | 0 |
| ISHARES IBONDS DEC 2030 TERM C | OTHER | 46436E726 |  | 590 | 28382 | SH |  | SOLE |  | 28382 | 0 | 0 |
| ISHARES IBONDS DEC 2031 TERM C | OTHER | 46436E486 |  | 646 | 32471 | SH |  | SOLE |  | 32471 | 0 | 0 |
| ISHARES 1-5Y INV GRADE CORP ET | OTHER | 464288646 |  | 28 | 560 | SH |  | SOLE |  | 560 | 0 | 0 |
| ISHARES 20 PLUS YEAR TREASURY BOND | OTHER | 464287432 |  | 9 | 88 | SH |  | SOLE |  | 88 | 0 | 0 |
| VANGUARD SHORT TERM CORP BOND | OTHER | 92206C409 |  | 436 | 5793 | SH |  | SOLE |  | 5793 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | OTHER | 921937835 |  | 18 | 245 | SH |  | SOLE |  | 245 | 0 | 0 |
| ISHARES NEW YORK MUNI BOND ETF | OTHER | 464288323 |  | 50 | 951 | SH |  | SOLE |  | 951 | 0 | 0 |
| ABBOTT LABS | COMMON STOCK | 002824100 |  | 2196 | 20000 | SH |  | DFND | 3 | 20000 | 0 | 0 |
| ACTIVISION BLIZZARD INC | COMMON STOCK | 00507V109 |  | 1340 | 17500 | SH |  | DFND | 3 | 17500 | 0 | 0 |
| ADOBE INC | COMMON STOCK | 00724F101 |  | 3365 | 10000 | SH |  | DFND | 3 | 10000 | 0 | 0 |
| AIR PRODUCTS  CHEMICALS INC | COMMON STOCK | 009158106 |  | 832 | 2700 | SH |  | DFND | 3 | 2700 | 0 | 0 |
| ALPHABET INC CL A | COMMON STOCK | 02079K305 |  | 3441 | 39000 | SH |  | DFND | 3 | 39000 | 0 | 0 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 2940 | 35000 | SH |  | DFND | 3 | 35000 | 0 | 0 |
| AMGEN INC | COMMON STOCK | 031162100 |  | 2679 | 10200 | SH |  | DFND | 3 | 10200 | 0 | 0 |
| AMPHENOL CORP CL A | COMMON STOCK | 032095101 |  | 2665 | 35000 | SH |  | DFND | 3 | 35000 | 0 | 0 |
| APPLE INC | COMMON STOCK | 037833100 |  | 7471 | 57500 | SH |  | DFND | 3 | 57500 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 479 | 26000 | SH |  | DFND | 3 | 26000 | 0 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 2302 | 69500 | SH |  | DFND | 3 | 69500 | 0 | 0 |
| BERKSHIRE HATHAWAY INC-CL B | COMMON STOCK | 084670702 |  | 2950 | 9550 | SH |  | DFND | 3 | 9550 | 0 | 0 |
| BLACKROCK INC CL A | COMMON STOCK | 09247X101 |  | 2374 | 3350 | SH |  | DFND | 3 | 3350 | 0 | 0 |
| CAPITAL ONE FINANCIAL CORP | COMMON STOCK | 14040H105 |  | 632 | 6800 | SH |  | DFND | 3 | 6800 | 0 | 0 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 958 | 4000 | SH |  | DFND | 3 | 4000 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 1508 | 8400 | SH |  | DFND | 3 | 8400 | 0 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 1465 | 30750 | SH |  | DFND | 3 | 30750 | 0 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 1449 | 3175 | SH |  | DFND | 3 | 3175 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 1327 | 5000 | SH |  | DFND | 3 | 5000 | 0 | 0 |
| DISNEY WALT CO NEW | COMMON STOCK | 254687106 |  | 1125 | 12950 | SH |  | DFND | 3 | 12950 | 0 | 0 |
| DOLLAR TREE INC | COMMON STOCK | 256746108 |  | 1188 | 8400 | SH |  | DFND | 3 | 8400 | 0 | 0 |
| DOMINION ENERGY INC | COMMON STOCK | 25746U109 |  | 491 | 8000 | SH |  | DFND | 3 | 8000 | 0 | 0 |
| DOMINOS PIZZA INC | COMMON STOCK | 25754A201 |  | 1316 | 3800 | SH |  | DFND | 3 | 3800 | 0 | 0 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 568 | 3900 | SH |  | DFND | 3 | 3900 | 0 | 0 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 1114 | 10100 | SH |  | DFND | 3 | 10100 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COMMON STOCK | 38141G104 |  | 893 | 2600 | SH |  | DFND | 3 | 2600 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 2906 | 9200 | SH |  | DFND | 3 | 9200 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 2143 | 10000 | SH |  | DFND | 3 | 10000 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE GROU | COMMON STOCK | 45866F104 |  | 2703 | 26350 | SH |  | DFND | 3 | 26350 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 3268 | 18500 | SH |  | DFND | 3 | 18500 | 0 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 2910 | 21700 | SH |  | DFND | 3 | 21700 | 0 | 0 |
| MASCO CORP | COMMON STOCK | 574599106 |  | 1540 | 33000 | SH |  | DFND | 3 | 33000 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 685 | 2600 | SH |  | DFND | 3 | 2600 | 0 | 0 |
| META PLATFORMS INC CL A | COMMON STOCK | 30303M102 |  | 662 | 5500 | SH |  | DFND | 3 | 5500 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 7195 | 30000 | SH |  | DFND | 3 | 30000 | 0 | 0 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 961 | 11300 | SH |  | DFND | 3 | 11300 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 885 | 3000 | SH |  | DFND | 3 | 3000 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 460 | 5500 | SH |  | DFND | 3 | 5500 | 0 | 0 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 950 | 6500 | SH |  | DFND | 3 | 6500 | 0 | 0 |
| ORACLE CORPORATION | COMMON STOCK | 68389X105 |  | 1553 | 19000 | SH |  | DFND | 3 | 19000 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 2385 | 13200 | SH |  | DFND | 3 | 13200 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 2793 | 54500 | SH |  | DFND | 3 | 54500 | 0 | 0 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 2334 | 15400 | SH |  | DFND | 3 | 15400 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 1512 | 13750 | SH |  | DFND | 3 | 13750 | 0 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 2572 | 19400 | SH |  | DFND | 3 | 19400 | 0 | 0 |
| SHERWIN WILLIAMS CO | COMMON STOCK | 824348106 |  | 1483 | 6250 | SH |  | DFND | 3 | 6250 | 0 | 0 |
| SOUTHERN COMPANY | COMMON STOCK | 842587107 |  | 653 | 9150 | SH |  | DFND | 3 | 9150 | 0 | 0 |
| STRYKER CORPORATION | COMMON STOCK | 863667101 |  | 2200 | 9000 | SH |  | DFND | 3 | 9000 | 0 | 0 |
| SYSCO CORP | COMMON STOCK | 871829107 |  | 1338 | 17500 | SH |  | DFND | 3 | 17500 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 3208 | 5825 | SH |  | DFND | 3 | 5825 | 0 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 1835 | 23050 | SH |  | DFND | 3 | 23050 | 0 | 0 |
| UNION PAC CORP | COMMON STOCK | 907818108 |  | 1097 | 5300 | SH |  | DFND | 3 | 5300 | 0 | 0 |
| UNITED PARCEL SERVICE CL B | COMMON STOCK | 911312106 |  | 1982 | 11400 | SH |  | DFND | 3 | 11400 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 3234 | 6100 | SH |  | DFND | 3 | 6100 | 0 | 0 |
| VISA INC CL A | COMMON STOCK | 92826C839 |  | 3766 | 18125 | SH |  | DFND | 3 | 18125 | 0 | 0 |
| VULCAN MATERIALS CO | COMMON STOCK | 929160109 |  | 525 | 3000 | SH |  | DFND | 3 | 3000 | 0 | 0 |
| WALMART INC | COMMON STOCK | 931142103 |  | 2198 | 15500 | SH |  | DFND | 3 | 15500 | 0 | 0 |
| WASTE MANAGEMENT INC | COMMON STOCK | 94106L109 |  | 2824 | 18000 | SH |  | DFND | 3 | 18000 | 0 | 0 |
| WILLIAMS COS INC | COMMON STOCK | 969457100 |  | 1132 | 34400 | SH |  | DFND | 3 | 34400 | 0 | 0 |
| ALEXANDRIA REAL ESTATE EQUITIE | COMMON STOCK | 015271109 |  | 219 | 1500 | SH |  | DFND | 3 | 1500 | 0 | 0 |
| AMERICAN TOWER CORP REIT | COMMON STOCK | 03027X100 |  | 498 | 2350 | SH |  | DFND | 3 | 2350 | 0 | 0 |
| DIGITAL REALTY TRUST INC REIT | COMMON STOCK | 253868103 |  | 902 | 9000 | SH |  | DFND | 3 | 9000 | 0 | 0 |
| PUBLIC STORAGE INC REIT | COMMON STOCK | 74460D109 |  | 532 | 1900 | SH |  | DFND | 3 | 1900 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES NV | COMMON STOCK | N53745100 |  | 706 | 8500 | SH |  | DFND | 3 | 8500 | 0 | 0 |

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