Adirondack Trust 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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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
ATLASSIAN CORPORATION PLC - CLASS A	FOREIGN EQUITIES	G06242104	44	500	SH		SOLE		500	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	534	3,785	SH		SOLE		3,785	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	7	100	SH		SOLE		100	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	4	100	SH		SOLE		100	0	0
TE CONNECTIVITY LTD	INFORMATION TECHNOLOGY	H84989104	2	28	SH		SOLE		28	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	5	53	SH		SOLE		53	0	0
ROYAL CARIBBEAN CRUISES LTD	CONSUMER DISCRETIONARY	V7780T103	3	33	SH		SOLE		33	0	0
AFLAC INC.	FINANCIALS	001055102	11	250	SH		DFND		0	250	0
AT&T INC.	TELECOM. SERVICES	00206R102	1,342	47,011	SH		SOLE		46,951	0	60
AT&T INC.	TELECOM. SERVICES	00206R102	302	10,571	SH		DFND		5,011	5,560	0
ABBOTT LABS	HEALTHCARE	002824100	365	5,047	SH		SOLE		5,047	0	0
ABBOTT LABS	HEALTHCARE	002824100	213	2,945	SH		DFND		1,250	1,695	0
ABBVIE INC.	HEALTHCARE	00287Y109	867	9,409	SH		SOLE		9,409	0	0
ABBVIE INC.	HEALTHCARE	00287Y109	282	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	100	2,140	SH		SOLE		2,140	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	78	344	SH		SOLE		344	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	4	200	SH		SOLE		200	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	2	100	SH		DFND		0	0	100
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	4	22	SH		SOLE		22	0	0
ALCOA CORP	MATERIALS	013872106	0	14	SH		SOLE		14	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	2	10	SH		SOLE		10	0	0
ALLEGHENY TECHNOLOGIES, INC	INDUSTRIALS	01741R102	0	20	SH		SOLE		20	0	0
ALLSTATE CORP	FINANCIALS	020002101	66	800	SH		SOLE		800	0	0
ALLSTATE CORP	FINANCIALS	020002101	25	300	SH		DFND		0	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	156	3,159	SH		SOLE		3,159	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	2,756	1,835	SH		SOLE		1,835	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	30	20	SH		DFND		10	10	0
AMEREN CORP	UTILITIES	023608102	2	38	SH		SOLE		38	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	238	2,500	SH		SOLE		2,463	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	51	535	SH		DFND		235	300	0
AMERICAN INTERNATIONAL GROUP INC	FINANCIALS	026874784	11	269	SH		SOLE		269	0	0
AMERICAN TOWER CORPORATION	TELECOM. SERVICES	03027X100	508	3,214	SH		SOLE		3,214	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	4	35	SH		SOLE		35	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	268	1,378	SH		SOLE		1,378	0	0
AMPHENOL CORPORATION-CL A	INFORMATION TECHNOLOGY	032095101	3	40	SH		SOLE		40	0	0
ANADARKO PETROLEUM CORP	ENERGY	032511107	7	161	SH		SOLE		161	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	3	100	SH		SOLE		100	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	3,118	19,769	SH		SOLE		19,749	0	20
APPLE INC	INFORMATION TECHNOLOGY	037833100	162	1,030	SH		DFND		640	390	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	97	2,970	SH		SOLE		2,970	0	0
AQUA AMERICA INC	UTILITIES	03836W103	431	12,605	SH		SOLE		12,605	0	0
AQUA AMERICA INC	UTILITIES	03836W103	30	875	SH		DFND		0	875	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	16	75	SH		SOLE		75	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	82	2,569	SH		SOLE		2,569	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	12	320	SH		SOLE		320	0	0
ATHENAHEALTH INC.	HEALTHCARE	04685W103	46	350	SH		SOLE		350	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	540	4,122	SH		SOLE		4,122	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	366	2,790	SH		DFND		1,460	1,330	0
BP P.L.C.	ENERGY	055622104	110	2,903	SH		SOLE		2,903	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	2	100	SH		SOLE		100	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	4	27	SH		SOLE		27	0	0
BALL CORPORATION	MATERIALS	058498106	6	124	SH		SOLE		124	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	330	13,380	SH		SOLE		13,380	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	12	478	SH		DFND		0	478	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	59	1,254	SH		SOLE		1,254	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	2	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2	145	SH		SOLE		145	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	66	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	397	1,762	SH		SOLE		1,762	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	53	235	SH		DFND		0	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	1,405	6,879	SH		SOLE		6,879	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	25	122	SH		DFND		0	122	0
BIOGEN INC	HEALTHCARE	09062X103	18	60	SH		SOLE		60	0	0
BLACKROCK INC	FINANCIALS	09247X101	229	582	SH		SOLE		582	0	0
BLACKROCK INC	FINANCIALS	09247X101	6	15	SH		DFND		0	15	0
THE BLACKSTONE GROUP LP	FINANCIALS	09253U108	52	1,751	SH		SOLE		1,751	0	0
BOEING	INDUSTRIALS	097023105	1,050	3,257	SH		SOLE		3,232	0	25
BOEING	INDUSTRIALS	097023105	321	995	SH		DFND		500	495	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	968	18,621	SH		SOLE		18,621	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	331	6,365	SH		DFND		3,000	3,365	0
BUCKEYE PARTNERS, L.P.	ENERGY	118230101	37	1,275	SH		SOLE		1,275	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	10	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	4	23	SH		SOLE		23	0	0
CMS ENERGY CORP.	UTILITIES	125896100	2	40	SH		SOLE		40	0	0
CSX CORPORATION	INDUSTRIALS	126408103	293	4,710	SH		SOLE		4,710	0	0
CSX CORPORATION	INDUSTRIALS	126408103	130	2,100	SH		DFND		2,100	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	692	10,563	SH		SOLE		10,563	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	3	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	53	298	SH		SOLE		298	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	9	117	SH		SOLE		117	0	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	9	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	960	7,558	SH		SOLE		7,533	0	25
CATERPILLAR INC	INDUSTRIALS	149123101	271	2,130	SH		DFND		1,485	645	0
CELGENE CORP	HEALTHCARE	151020104	130	2,036	SH		SOLE		2,036	0	0
CELGENE CORP	HEALTHCARE	151020104	7	115	SH		DFND		0	115	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	34	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	141	5,000	SH		DFND		5,000	0	0
CENTURYTEL INC	TELECOM. SERVICES	156700106	28	1,826	SH		SOLE		1,826	0	0
CHARTER COMMUNICATIONS,INC-A	TELECOM. SERVICES	16119P108	14	49	SH		SOLE		49	0	0
CHESAPEAKE ENERGY CORP	ENERGY	165167107	3	1,250	SH		SOLE		1,250	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,125	10,340	SH		SOLE		10,340	0	0
CHEVRON CORPORATION	ENERGY	166764100	260	2,393	SH		DFND		1,395	998	0
CHURCH & DWIGHT CO., INC.	HEALTHCARE	171340102	3	50	SH		SOLE		50	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	846	19,539	SH		SOLE		19,474	0	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	77	1,775	SH		DFND		0	1,775	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	3	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	26	502	SH		SOLE		502	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	58	375	SH		SOLE		375	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	31	200	SH		DFND		0	200	0
CLOUD PEAK ENERGY INC.	ENERGY	18911Q102	0	175	SH		SOLE		175	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	699	14,771	SH		SOLE		14,771	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	375	7,925	SH		DFND		4,080	3,845	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	44	700	SH		SOLE		700	0	0
COHERENT INC.	INFORMATION TECHNOLOGY	192479103	1	8	SH		SOLE		8	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	664	11,159	SH		SOLE		11,124	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	165	2,770	SH		DFND		2,500	270	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	276	8,110	SH		SOLE		8,110	0	0
COMERICA INCORPORATED	FINANCIALS	200340107	3	40	SH		SOLE		40	0	0
CONOCOPHILLIPS	ENERGY	20825C104	571	9,152	SH		SOLE		9,152	0	0
CONOCOPHILLIPS	ENERGY	20825C104	170	2,725	SH		DFND		2,190	535	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	122	1,591	SH		SOLE		1,591	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	102	3,383	SH		SOLE		3,383	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	313	1,535	SH		SOLE		1,535	0	0
CRACKER BARREL OLD COUNTRY	CONSUMER DISCRETIONARY	22410J106	20	125	SH		SOLE		125	0	0
CUMMINS INC	INDUSTRIALS	231021106	118	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	31	280	SH		SOLE		280	0	0
DANAHER CORP	INDUSTRIALS	235851102	178	1,722	SH		SOLE		1,722	0	0
DANAHER CORP	INDUSTRIALS	235851102	86	835	SH		DFND		460	375	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	288	1,930	SH		SOLE		1,930	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	31	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	16	425	SH		SOLE		425	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	28	200	SH		SOLE		200	0	0
DIAMONDBACK ENERGY INC.	ENERGY	25278X109	2	17	SH		SOLE		17	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,393	12,700	SH		SOLE		12,675	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	134	1,218	SH		DFND		0	1,218	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	55	940	SH		SOLE		940	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	4	90	SH		SOLE		90	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	16	150	SH		SOLE		150	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	201	2,809	SH		SOLE		2,809	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	45	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	15	60	SH		SOLE		60	0	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	111	1,282	SH		SOLE		1,282	0	0
EOG RESOURCES INC	ENERGY	26875P101	13	144	SH		SOLE		144	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	9	307	SH		SOLE		307	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	3	35	SH		SOLE		35	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	166	2,775	SH		SOLE		2,775	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	278	4,645	SH		DFND		1,450	3,195	0
ENBRIDGE INC	ENERGY	29250N105	20	628	SH		SOLE		628	0	0
ENCANA CORP	FOREIGN EQUITIES	292505104	5	816	SH		SOLE		816	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	63	4,765	SH		SOLE		4,765	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	69	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	59	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	138	5,557	SH		SOLE		5,557	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	5	193	SH		DFND		93	0	100
EXELON CORP	UTILITIES	30161N101	7	150	SH		SOLE		150	0	0
EXELON CORP	UTILITIES	30161N101	62	1,365	SH		DFND		1,090	275	0
EXXON MOBIL CORP	ENERGY	30231G102	1,604	23,518	SH		SOLE		23,481	0	37
EXXON MOBIL CORP	ENERGY	30231G102	722	10,586	SH		DFND		1,972	8,614	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	844	6,436	SH		SOLE		6,436	0	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	23	175	SH		DFND		70	105	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	3	15	SH		SOLE		15	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	142	882	SH		SOLE		882	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	25	155	SH		DFND		125	30	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	26	1,485	SH		SOLE		1,485	0	0
FIRST TRUST NEW OPPORTUNITIES MLP	ENERGY	33739M100	25	3,378	SH		SOLE		3,378	0	0
FIRSTENERGY CORP	UTILITIES	337932107	12	308	SH		SOLE		308	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	83	10,855	SH		SOLE		10,855	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	2	300	SH		DFND		300	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	4	52	SH		SOLE		52	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	19	287	SH		DFND		100	187	0
FRANKLIN RESOURCES, INC.	FINANCIALS	354613101	4	150	SH		SOLE		150	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	242	1,541	SH		SOLE		1,541	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	10	65	SH		DFND		65	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	148	19,601	SH		SOLE		19,601	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	98	12,970	SH		DFND		3,140	9,730	100
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	12	320	SH		SOLE		320	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	109	2,800	SH		DFND		2,200	600	0
GENUINE PARTS	CONSUMER DISCRETIONARY	372460105	17	175	SH		SOLE		175	0	0
GERON CORP	HEALTHCARE	374163103	5	5,000	SH		SOLE		5,000	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	214	3,422	SH		SOLE		3,422	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	9	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	18	1,000	SH		SOLE		1,000	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	15	400	SH		DFND		400	0	0
GOLDCORP INC	MATERIALS	380956409	39	4,000	SH		SOLE		4,000	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	30	177	SH		SOLE		177	0	0
GRAPHIC PACKAGING HOLDING COMPANY	CONSUMER STAPLES	388689101	3	250	SH		SOLE		250	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	25	607	SH		SOLE		607	0	0
HALLIBURTON COMPANY	ENERGY	406216101	12	452	SH		SOLE		452	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	17	510	SH		SOLE		510	0	0
HARSCO CORP	INDUSTRIALS	415864107	20	1,000	SH		DFND		1,000	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	70	1,465	SH		SOLE		1,465	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	1,156	6,730	SH		SOLE		6,730	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	520	3,025	SH		DFND		1,000	2,025	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	95	721	SH		SOLE		721	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	11	85	SH		SOLE		85	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	252	1,989	SH		SOLE		1,989	0	0
INGREDION INC	CONSUMER STAPLES	457187102	29	320	SH		SOLE		320	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,077	44,268	SH		SOLE		44,203	0	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	506	10,785	SH		DFND		5,410	5,375	0
INTERACTIVE BROKERS GRO-CL A	FINANCIALS	45841N107	10	250	SH		SOLE		250	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	648	5,703	SH		SOLE		5,703	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	176	1,552	SH		DFND		500	1,052	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	86	2,128	SH		SOLE		2,093	0	35
INTERNATIONAL PAPER CO	MATERIALS	460146103	4	100	SH		DFND		0	100	0
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	11	22	SH		SOLE		22	0	0
INTUIT INC	INFORMATION TECHNOLOGY	461202103	3	13	SH		SOLE		13	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	35	1,500	SH		SOLE		1,500	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	1	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	3	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	31	2,150	SH		SOLE		2,150	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	6	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	6	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	878	7,875	SH		SOLE		7,875	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	126	1,410	SH		SOLE		1,410	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,410	58,530	SH		SOLE		58,045	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	863	7,877	SH		DFND		6,085	1,792	0
ISHARES CHINA LARGE CAP ETF	MUTUAL FUND	464287184	4	115	SH		DFND		0	115	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	357	3,349	SH		SOLE		3,349	0	0
ISHARES MSCI EMERGING MARKETS ETF	Exchange Traded Funds - Equity	464287234	13	340	SH		SOLE		340	0	0
ISHARES GLOBAL TECH ETF	Exchange Traded Funds - Equity	464287291	16	114	SH		SOLE		114	0	0
ISHARES S&P 500 GROWTH ETF	Exchange Traded Funds - Equity	464287309	5	31	SH		SOLE		31	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	743	12,647	SH		SOLE		12,560	0	87
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	59	1,010	SH		DFND		360	650	0
ISHARES RUSSELL MIDCAP ETF	Exchange Traded Funds - Equity	464287499	113	2,424	SH		SOLE		2,424	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	MUTUAL FUND	464287598	8	76	SH		SOLE		76	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	293	2,241	SH		SOLE		2,241	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	170	1,010	SH		SOLE		1,010	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	108	803	SH		SOLE		803	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	2,934	42,328	SH		SOLE		42,248	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	72	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	20	215	SH		SOLE		215	0	0
ISHARES INTERMEDIATE GOVERNMENT/ CREDIT BOND ETF	Exchange Traded Funds - Equity	464288612	83	768	SH		SOLE		768	0	0
ISHARES INTERMEDIATE CREDIT BOND ETF	FIXED INCOME	464288638	30	577	SH		SOLE		577	0	0
ISHARES 1-3 YEAR CREDIT BOND ETF	ETF's - Fixed Income	464288646	25	490	SH		SOLE		490	0	0
ISHARES 3-7 TREASURY BOND ETF	FIXED INCOME	464288661	35	292	SH		SOLE		292	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	18	605	SH		SOLE		605	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND	464288802	21	200	SH		SOLE		200	0	0
ISHARES MSCI SINGAPORE ETF	Exchange Traded Funds - Equity	46434G780	1	50	SH		SOLE		50	0	0
ISHARES MSCI SINGAPORE ETF	Exchange Traded Funds - Equity	46434G780	6	264	SH		DFND		264	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	1,767	18,101	SH		SOLE		18,076	0	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	188	1,925	SH		DFND		830	1,095	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	1	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,023	23,426	SH		SOLE		23,396	0	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	749	5,805	SH		DFND		2,000	3,805	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	11	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	8	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	144	1,262	SH		SOLE		1,262	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	122	1,070	SH		DFND		1,000	70	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	3	23	SH		SOLE		23	0	0
ELI LILLY & CO	HEALTHCARE	532457108	428	3,699	SH		SOLE		3,699	0	0
ELI LILLY & CO	HEALTHCARE	532457108	335	2,895	SH		DFND		2,750	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	9	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	905	3,456	SH		SOLE		3,456	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	304	1,160	SH		DFND		840	320	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	268	2,898	SH		SOLE		2,823	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	74	800	SH		DFND		800	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	12	880	SH		SOLE		880	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	10	10	SH		SOLE		10	0	0
MARKETAXESS HOLDINGS INC	FINANCIALS	57060D108	2	8	SH		SOLE		8	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	4	40	SH		SOLE		40	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	1	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	93	491	SH		SOLE		491	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	12	65	SH		DFND		0	65	0
MATCH GROUP INC.	INFORMATION TECHNOLOGY	57665R106	4	85	SH		SOLE		85	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	38	270	SH		SOLE		270	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	97	700	SH		DFND		0	700	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	1,490	8,394	SH		SOLE		8,379	0	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	656	3,697	SH		DFND		1,300	2,397	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	43	392	SH		SOLE		392	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	1	3	SH		SOLE		3	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	683	8,946	SH		SOLE		8,946	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	147	1,920	SH		DFND		1,500	420	0
METLIFE INC	FINANCIALS	59156R108	337	8,196	SH		SOLE		8,166	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	2,202	21,681	SH		SOLE		21,681	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	503	4,955	SH		DFND		2,430	2,525	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	40	1,001	SH		SOLE		1,001	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	40	1,000	SH		DFND		0	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	7	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	220	5,557	SH		SOLE		5,557	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	7	321	SH		SOLE		321	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	4	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	6	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	170	635	SH		SOLE		635	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	42	912	SH		SOLE		912	0	0
NEW RESIDENTIAL INVESTMENT CORP	REAL ESTATE	64828T201	10	735	SH		SOLE		735	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	5	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,303	7,495	SH		SOLE		7,495	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	285	1,640	SH		DFND		1,200	440	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	400	5,400	SH		SOLE		5,400	0	0
NOBLE ENERGY INC.	ENERGY	655044105	2	100	SH		SOLE		0	0	100
NOBLE ENERGY INC.	ENERGY	655044105	6	300	SH		DFND		0	300	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	7	45	SH		SOLE		45	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	38	157	SH		SOLE		157	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		DFND		0	130	0
NUCOR	MATERIALS	670346105	36	700	SH		SOLE		700	0	0
NUCOR	MATERIALS	670346105	73	1,400	SH		DFND		800	600	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	379	2,838	SH		SOLE		2,838	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	42	687	SH		SOLE		687	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	154	3,415	SH		SOLE		3,415	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	8	170	SH		DFND		0	170	0
OPPENHEIMER DEVELOPING MARKETS FUND	MUTUAL FUND	683974604	4,712	125,427	SH		SOLE		124,838	0	589
OPPENHEIMER DEVELOPING MARKETS FUND	MUTUAL FUND	683974604	22	594	SH		DFND		109	485	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	31	261	SH		SOLE		261	0	0
PPG INDUSTRIES	MATERIALS	693506107	14	140	SH		SOLE		140	0	0
PPL CORP	UTILITIES	69351T106	3	120	SH		SOLE		120	0	0
PACIRA PHARMACEUTICALS INC	HEALTHCARE	695127100	26	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	3	15	SH		SOLE		15	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	2,188	19,803	SH		SOLE		19,803	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	462	4,180	SH		DFND		1,845	2,335	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	10	125	SH		SOLE		125	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	2	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	526	12,043	SH		SOLE		12,043	0	0
PFIZER INC	HEALTHCARE	717081103	330	7,556	SH		DFND		4,600	2,956	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	93	1,387	SH		SOLE		1,387	0	0
PHILLIPS 66	ENERGY	718546104	338	3,923	SH		SOLE		3,923	0	0
PHILLIPS 66	ENERGY	718546104	121	1,407	SH		DFND		1,095	312	0
PIONEER NATURAL RESOURCES COMPANY	ENERGY	723787107	1	10	SH		SOLE		10	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	1	1,110	SH		SOLE		1,110	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	4	50	SH		SOLE		50	0	0
PREFERRED APARTMENT COMMUNITIES	REAL ESTATE	74039L103	20	1,425	SH		SOLE		1,425	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	3	33	SH		SOLE		33	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	2,252	24,500	SH		SOLE		24,465	0	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	671	7,302	SH		DFND		2,915	4,387	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	88	1,085	SH		SOLE		1,085	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	113	2,164	SH		SOLE		2,164	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	435	7,651	SH		SOLE		7,621	0	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	51	900	SH		DFND		665	235	0
QUANTA SERVICES INC	INDUSTRIALS	74762E102	3	100	SH		SOLE		100	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	2	27	SH		SOLE		27	0	0
RAYTHEON CO COM NEW	INDUSTRIALS	755111507	62	403	SH		SOLE		403	0	0
RAYTHEON CO COM NEW	INDUSTRIALS	755111507	77	500	SH		DFND		0	500	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	49	131	SH		SOLE		131	0	0
REPUBLIC SERVICES INC	INDUSTRIALS	760759100	5	67	SH		SOLE		67	0	0
RIO TINTO PLC	MATERIALS	767204100	24	500	SH		SOLE		500	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	1	40	SH		SOLE		40	0	0
ROPER TECHNOLOGIES INC	INFORMATION TECHNOLOGY	776696106	5	17	SH		SOLE		17	0	0
ROYAL DUTCH SHELL PLC ADR	ENERGY	780259206	36	615	SH		SOLE		615	0	0
RYDER SYSTEMS INC	INDUSTRIALS	783549108	14	300	SH		SOLE		300	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	11,695	46,794	SH		SOLE		46,794	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	325	1,300	SH		DFND		705	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	128	1,059	SH		SOLE		1,059	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	6	70	SH		SOLE		70	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	387	5,395	SH		SOLE		5,395	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE TRUST ETF	Exchange Traded Funds - Equity	78467X109	6	25	SH		SOLE		25	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	80	263	SH		SOLE		263	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	5,100	16,851	SH		SOLE		16,794	0	57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	113	373	SH		DFND		0	373	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	36	265	SH		SOLE		265	0	0
HENRY SCHEIN INC	HEALTHCARE	806407102	1	17	SH		SOLE		17	0	0
SCHLUMBERGER LTD	ENERGY	806857108	91	2,510	SH		SOLE		2,510	0	0
SCHLUMBERGER LTD	ENERGY	806857108	36	1,000	SH		DFND		0	1,000	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	80	1,923	SH		SOLE		1,923	0	0
SEATTLE GENETICS INC	HEALTHCARE	812578102	6	100	SH		SOLE		100	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	115	2,270	SH		SOLE		2,270	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	40	460	SH		SOLE		460	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	89	895	SH		SOLE		895	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	329	5,730	SH		SOLE		5,730	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	151	6,350	SH		SOLE		6,350	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	11	450	SH		DFND		450	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	23	350	SH		SOLE		350	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	662	10,690	SH		SOLE		10,690	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	28	450	SH		DFND		0	450	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	155	2,930	SH		SOLE		2,930	0	0
SEMPRA ENERGY	UTILITIES	816851109	5	45	SH		SOLE		45	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	14	35	SH		SOLE		35	0	0
SIMON PROPERTY GROUP	FINANCIALS	828806109	111	662	SH		SOLE		662	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	92	980	SH		SOLE		980	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	89	951	SH		DFND		0	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	88	609	SH		SOLE		609	0	0
SONY CORP ADR	FOREIGN EQUITIES	835699307	6	130	SH		SOLE		130	0	0
SOUTHERN CO	UTILITIES	842587107	493	11,217	SH		SOLE		11,217	0	0
SOUTHERN CO	UTILITIES	842587107	188	4,280	SH		DFND		2,850	1,430	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	23	485	SH		SOLE		485	0	0
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	332	5,155	SH		SOLE		5,155	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	6	92	SH		DFND		0	92	0
STEEL DYNAMICS INC	MATERIALS	858119100	5	165	SH		SOLE		165	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	3	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	517	3,298	SH		SOLE		3,298	0	0
STRYKER CORP	HEALTHCARE	863667101	45	290	SH		DFND		180	110	0
SUNTRUST BANKS INC	FINANCIALS	867914103	10	205	SH		SOLE		205	0	0
SYNCHRONY FINANCIALS	FINANCIALS	87165B103	2	70	SH		SOLE		70	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	14	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	26	580	SH		SOLE		580	0	0
T-MOBILE US INC	TELECOM. SERVICES	872590104	1	20	SH		SOLE		20	0	0
TABLEAU SOFTWARE INC-CL A	INFORMATION TECHNOLOGY	87336U105	4	30	SH		SOLE		30	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	10	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	190	2,880	SH		SOLE		2,838	0	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	111	1,680	SH		DFND		670	1,010	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	15	382	SH		SOLE		382	0	0
TERRA INVENTIONS CORP	INDUSTRIALS	88103B106	0	4	SH		SOLE		4	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	68	204	SH		SOLE		204	0	0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS	HEALTHCARE	881624209	7	468	SH		SOLE		268	0	200
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	48	510	SH		SOLE		510	0	0
TEXAS ROADHOUSE INC	CONSUMER DISCRETIONARY	882681109	2	30	SH		SOLE		30	0	0
TEXTRON INC	INDUSTRIALS	883203101	3	65	SH		SOLE		65	0	0
THE TRADE DESK, INC.	INFORMATION TECHNOLOGY	88339J105	8	70	SH		SOLE		70	0	0
THERMO FISHER SCIENTIFIC, INC	INFORMATION TECHNOLOGY	883556102	4	20	SH		SOLE		20	0	0
3M CO COM	INDUSTRIALS	88579Y101	313	1,641	SH		SOLE		1,641	0	0
3M CO COM	INDUSTRIALS	88579Y101	257	1,350	SH		DFND		835	515	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	23	458	SH		SOLE		458	0	0
TOTAL SA	FOREIGN EQUITIES	89151E109	52	1,000	SH		SOLE		1,000	0	0
TRANSCANADA CORP	FOREIGN EQUITIES	89353D107	2	50	SH		SOLE		50	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	105	875	SH		SOLE		875	0	0
TRUSTCO BK CORP N Y COM	FINANCIALS	898349105	22	3,170	SH		SOLE		3,170	0	0
TRUSTCO BK CORP N Y COM	FINANCIALS	898349105	10	1,400	SH		DFND		0	1,400	0
TWENTY-FIRST CENTURY FOX-A	CONSUMER DISCRETIONARY	90130A101	7	150	SH		SOLE		150	0	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	31	348	SH		SOLE		348	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	161	3,532	SH		SOLE		3,532	0	0
UNDER ARMOUR INC	CONSUMER DISCRETIONARY	904311107	5	300	SH		SOLE		300	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	9	170	SH		DFND		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	58	423	SH		SOLE		423	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	85	873	SH		SOLE		873	0	0
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	1,907	17,913	SH		SOLE		17,881	0	32
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	321	3,015	SH		DFND		1,645	1,370	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	207	831	SH		SOLE		831	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	2	17	SH		SOLE		17	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	27	360	SH		SOLE		360	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	9	115	SH		DFND		0	115	0
VANECK VECTORS GREEN BOND -ETF	ETF's - Fixed Income	92189F171	10	385	SH		SOLE		385	0	0
VANECK VECTORS BIOTECH ETF	Exchange Traded Funds - Equity	92189F726	8	75	SH		SOLE		75	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	1,146	24,275	SH		SOLE		24,275	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	663	8,364	SH		SOLE		8,364	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	663	17,887	SH		SOLE		17,887	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	1,184	31,074	SH		SOLE		30,964	0	110
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	49	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	7,378	64,755	SH		SOLE		64,755	0	0
VANGUARD MORTGAGE-BACKED SECURITIES ETF	Exchange Traded Funds - Equity	92206C771	21	417	SH		SOLE		417	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	34	457	SH		SOLE		457	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	26	350	SH		DFND		0	350	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,555	11,250	SH		SOLE		11,250	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	463	3,625	SH		SOLE		3,625	0	0
VERIZON COMMUNICATIONS INC	TELECOM. SERVICES	92343V104	1,652	29,393	SH		SOLE		29,311	0	82
VERIZON COMMUNICATIONS INC	TELECOM. SERVICES	92343V104	421	7,493	SH		DFND		3,575	3,918	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	4	25	SH		SOLE		25	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	13	80	SH		DFND		0	80	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	248	1,878	SH		SOLE		1,878	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	13	100	SH		DFND		0	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	10	75	SH		SOLE		75	0	0
VULCAN MATERIALS COMPANY	MATERIALS	929160109	5	50	SH		SOLE		50	0	0
WALMART INC	CONSUMER STAPLES	931142103	333	3,579	SH		SOLE		3,579	0	0
WALMART INC	CONSUMER STAPLES	931142103	166	1,780	SH		DFND		1,500	280	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	973	10,938	SH		SOLE		10,938	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	210	2,365	SH		DFND		880	1,485	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	136	2,945	SH		SOLE		2,945	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	42	920	SH		DFND		700	220	0
WEYERHAEUSER COMPANY	MATERIALS	962166104	3	150	SH		DFND		0	150	0
THE WILLIAMS CO. INC.	ENERGY	969457100	50	2,261	SH		SOLE		2,261	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	4	600	SH		SOLE		600	0	0
WORLD FUEL SERVICES CORPORATION	INDUSTRIALS	981475106	20	950	SH		SOLE		950	0	0
YRC WORLDWIDE INC	INDUSTRIALS	984249607	0	2	SH		SOLE		2	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	17	180	SH		SOLE		180	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	55	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	5	30	SH		SOLE		30	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	52	500	SH		DFND		0	500	0