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	66	600	SH		SOLE		600	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	641	3,507	SH		SOLE		3,507	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	8	100	SH		SOLE		100	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	6	100	SH		SOLE		100	0	0
TE CONNECTIVITY LTD	INFORMATION TECHNOLOGY	H84989104	3	28	SH		SOLE		28	0	0
WIX.COM LTD	INFORMATION TECHNOLOGY	M98068105	7	53	SH		SOLE		53	0	0
ROYAL CARIBBEAN CRUISES LTD	CONSUMER DISCRETIONARY	V7780T103	113	938	SH		SOLE		938	0	0
AFLAC INC.	FINANCIALS	001055102	13	250	SH		DFND		0	250	0
AT&T INC.	TELECOM. SERVICES	00206R102	1,397	45,148	SH		SOLE		45,088	0	60
AT&T INC.	TELECOM. SERVICES	00206R102	326	10,521	SH		DFND		5,011	5,510	0
ABBOTT LABS	HEALTHCARE	002824100	415	5,222	SH		SOLE		5,222	0	0
ABBOTT LABS	HEALTHCARE	002824100	234	2,945	SH		DFND		1,250	1,695	0
ABBVIE INC.	HEALTHCARE	00287Y109	723	9,109	SH		SOLE		9,109	0	0
ABBVIE INC.	HEALTHCARE	00287Y109	243	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	61	1,270	SH		SOLE		1,270	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	100	344	SH		SOLE		344	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	6	200	SH		SOLE		200	0	0
ADVANCED MICRO DEVICES INC	INFORMATION TECHNOLOGY	007903107	3	100	SH		DFND		0	0	100
INVESCO INTERNATIONAL GROWTH FUND	MUTUAL FUND	008882532	5	145	SH		SOLE		145	0	0
AIR PRODUCTS & CHEMICALS INC	MATERIALS	009158106	5	22	SH		SOLE		22	0	0
ALCOA CORP	MATERIALS	013872106	0	14	SH		SOLE		14	0	0
ALIGN TECHNOLOGY INC.	HEALTHCARE	016255101	3	10	SH		SOLE		10	0	0
ALLEGHENY TECHNOLOGIES, INC	INDUSTRIALS	01741R102	0	20	SH		SOLE		20	0	0
ALLSTATE CORP	FINANCIALS	020002101	79	800	SH		SOLE		800	0	0
ALLSTATE CORP	FINANCIALS	020002101	30	300	SH		DFND		0	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	170	3,134	SH		SOLE		3,134	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	3,454	1,793	SH		SOLE		1,793	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	39	20	SH		DFND		10	10	0
AMERICAN EXPRESS	FINANCIALS	025816109	282	2,405	SH		SOLE		2,368	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	63	535	SH		DFND		235	300	0
AMERICAN INTERNATIONAL GROUP INC	FINANCIALS	026874784	13	269	SH		SOLE		269	0	0
AMERICAN TOWER CORPORATION	TELECOM. SERVICES	03027X100	584	2,989	SH		SOLE		2,989	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	3	22	SH		SOLE		22	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	218	1,218	SH		SOLE		1,218	0	0
ANADARKO PETROLEUM CORP	ENERGY	032511107	12	161	SH		SOLE		161	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	4	100	SH		SOLE		100	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	3,892	19,394	SH		SOLE		19,374	0	20
APPLE INC	INFORMATION TECHNOLOGY	037833100	207	1,030	SH		DFND		640	390	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	127	2,890	SH		SOLE		2,890	0	0
AQUA AMERICA INC	UTILITIES	03836W103	443	11,337	SH		SOLE		11,337	0	0
AQUA AMERICA INC	UTILITIES	03836W103	34	875	SH		DFND		0	875	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	23	75	SH		SOLE		75	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	86	2,569	SH		SOLE		2,569	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	13	345	SH		SOLE		345	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	653	3,972	SH		SOLE		3,972	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	459	2,790	SH		DFND		1,460	1,330	0
BP P.L.C.	ENERGY	055622104	132	3,013	SH		SOLE		3,013	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	7	124	SH		SOLE		124	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	402	13,137	SH		SOLE		13,137	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	15	478	SH		DFND		0	478	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	58	1,175	SH		SOLE		1,175	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	4	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	2	145	SH		SOLE		145	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	76	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	384	1,597	SH		SOLE		1,597	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	57	235	SH		DFND		0	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	1,508	6,959	SH		SOLE		6,959	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	26	122	SH		DFND		0	122	0
BIOGEN INC	HEALTHCARE	09062X103	11	50	SH		SOLE		50	0	0
BLACKROCK INC	FINANCIALS	09247X101	389	802	SH		SOLE		802	0	0
BLACKROCK INC	FINANCIALS	09247X101	7	15	SH		DFND		0	15	0
THE BLACKSTONE GROUP LP	FINANCIALS	09253U108	67	1,701	SH		SOLE		1,701	0	0
BOEING	INDUSTRIALS	097023105	1,235	3,271	SH		SOLE		3,246	0	25
BOEING	INDUSTRIALS	097023105	376	995	SH		DFND		500	495	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	850	18,310	SH		SOLE		18,310	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	296	6,365	SH		DFND		3,000	3,365	0
BUCKEYE PARTNERS, L.P.	ENERGY	118230101	44	1,310	SH		SOLE		1,310	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
CSX CORPORATION	INDUSTRIALS	126408103	387	4,860	SH		SOLE		4,860	0	0
CSX CORPORATION	INDUSTRIALS	126408103	167	2,100	SH		DFND		2,100	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	583	10,726	SH		SOLE		10,726	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	67	298	SH		SOLE		298	0	0
CAPITAL ONE FINANCIAL CORP	FINANCIALS	14040H105	8	90	SH		SOLE		90	0	0
CASEY'S GENERAL STORES INC	CONSUMER DISCRETIONARY	147528103	9	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	905	6,493	SH		SOLE		6,468	0	25
CATERPILLAR INC	INDUSTRIALS	149123101	297	2,130	SH		DFND		1,485	645	0
CELGENE CORP	HEALTHCARE	151020104	133	1,406	SH		SOLE		1,406	0	0
CELGENE CORP	HEALTHCARE	151020104	11	115	SH		DFND		0	115	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	37	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	155	5,000	SH		DFND		5,000	0	0
CENTURYTEL INC	TELECOM. SERVICES	156700106	30	2,646	SH		SOLE		2,646	0	0
CHARTER COMMUNICATIONS,INC-A	TELECOM. SERVICES	16119P108	18	49	SH		SOLE		49	0	0
CHESAPEAKE ENERGY CORP	ENERGY	165167107	4	1,250	SH		SOLE		1,250	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,234	10,275	SH		SOLE		10,275	0	0
CHEVRON CORPORATION	ENERGY	166764100	287	2,393	SH		DFND		1,395	998	0
CHURCH & DWIGHT CO., INC.	HEALTHCARE	171340102	4	50	SH		SOLE		50	0	0
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	1,179	21,074	SH		SOLE		21,009	0	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	99	1,775	SH		DFND		0	1,775	0
CIRRUS LOGIC INC	INFORMATION TECHNOLOGY	172755100	5	100	SH		SOLE		100	0	0
CITIGROUP INC.	FINANCIALS	172967424	33	472	SH		SOLE		472	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	60	375	SH		SOLE		375	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	32	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	695	14,167	SH		SOLE		14,167	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	389	7,925	SH		DFND		4,080	3,845	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	51	700	SH		SOLE		700	0	0
COHERENT INC.	INFORMATION TECHNOLOGY	192479103	1	8	SH		SOLE		8	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	785	10,784	SH		SOLE		10,749	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	202	2,770	SH		DFND		2,500	270	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	349	8,017	SH		SOLE		8,017	0	0
CONOCOPHILLIPS	ENERGY	20825C104	562	8,902	SH		SOLE		8,902	0	0
CONOCOPHILLIPS	ENERGY	20825C104	151	2,395	SH		DFND		1,860	535	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	137	1,591	SH		SOLE		1,591	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	108	3,383	SH		SOLE		3,383	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	354	1,442	SH		SOLE		1,442	0	0
CRACKER BARREL OLD COUNTRY	CONSUMER DISCRETIONARY	22410J106	43	255	SH		SOLE		255	0	0
CRONOS GROUP, INC.	FOREIGN EQUITIES	22717L101	3	160	SH		SOLE		160	0	0
CUMMINS INC	INDUSTRIALS	231021106	163	982	SH		SOLE		982	0	0
CUMMINS INC	INDUSTRIALS	231021106	18	110	SH		DFND		110	0	0
DNP SELECT INCOME FUND INC	FIXED INCOME	23325P104	17	1,500	SH		SOLE		1,500	0	0
DTE ENERGY CO	UTILITIES	233331107	35	280	SH		SOLE		280	0	0
DANAHER CORP	INDUSTRIALS	235851102	238	1,800	SH		SOLE		1,800	0	0
DANAHER CORP	INDUSTRIALS	235851102	111	835	SH		DFND		460	375	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	286	1,725	SH		SOLE		1,725	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	35	210	SH		DFND		0	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	19	320	SH		SOLE		320	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	22	425	SH		SOLE		425	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	34	200	SH		SOLE		200	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,723	12,583	SH		SOLE		12,558	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	167	1,218	SH		DFND		0	1,218	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	77	940	SH		SOLE		940	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	5	90	SH		SOLE		90	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	19	150	SH		SOLE		150	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	233	2,993	SH		SOLE		2,993	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	49	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	16	60	SH		SOLE		60	0	0
DOW INC.	CONSUMER DISCRETIONARY	260557103	93	1,642	SH		SOLE		1,642	0	0
DOW INC.	CONSUMER DISCRETIONARY	260557103	34	597	SH		DFND		0	597	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	122	1,342	SH		SOLE		1,342	0	0
ECA MARCELLUS TRUST I	ENERGY	26827L109	22	11,873	SH		SOLE		11,873	0	0
EOG RESOURCES INC	ENERGY	26875P101	14	144	SH		SOLE		144	0	0
EBAY INC	CONSUMER DISCRETIONARY	278642103	12	307	SH		SOLE		307	0	0
ELECTRONIC ARTS INC	INFORMATION TECHNOLOGY	285512109	3	35	SH		SOLE		35	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	221	3,115	SH		SOLE		3,115	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	330	4,645	SH		DFND		1,450	3,195	0
ENBRIDGE INC	ENERGY	29250N105	23	628	SH		SOLE		628	0	0
ENCANA CORP	FOREIGN EQUITIES	292505104	6	816	SH		SOLE		816	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	72	4,748	SH		SOLE		4,748	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	78	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	100	3,477	SH		SOLE		3,477	0	0
EQUITY RESIDENTIAL SHARES OF BENEFICIAL INT	FINANCIALS	29476L107	4	50	SH		SOLE		50	0	0
ESPEY MFG. & ELECTRONICS CORP	INDUSTRIALS	296650104	139	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	8	150	SH		SOLE		150	0	0
EXELON CORP	UTILITIES	30161N101	70	1,365	SH		DFND		1,090	275	0
EXXON MOBIL CORP	ENERGY	30231G102	1,869	23,283	SH		SOLE		23,246	0	37
EXXON MOBIL CORP	ENERGY	30231G102	839	10,451	SH		DFND		1,837	8,614	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	1,250	6,464	SH		SOLE		6,464	0	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	34	175	SH		DFND		70	105	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	4	15	SH		SOLE		15	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	166	877	SH		SOLE		877	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	29	155	SH		DFND		125	30	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	31	1,485	SH		SOLE		1,485	0	0
FIRST TRUST NEW OPPORTUNITIES MLP	ENERGY	33739M100	33	3,583	SH		SOLE		3,583	0	0
FIRSTENERGY CORP	UTILITIES	337932107	13	308	SH		SOLE		308	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	109	10,455	SH		SOLE		10,455	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	3	300	SH		DFND		300	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	4	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	25	287	SH		DFND		100	187	0
FRANKLIN RESOURCES, INC.	FINANCIALS	354613101	5	150	SH		SOLE		150	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	227	1,271	SH		SOLE		1,271	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	12	65	SH		DFND		65	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	246	24,175	SH		SOLE		24,175	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	132	12,970	SH		DFND		3,140	9,730	100
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	27	520	SH		SOLE		520	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	144	2,800	SH		DFND		2,200	600	0
GENUINE PARTS	CONSUMER DISCRETIONARY	372460105	18	175	SH		SOLE		175	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	202	3,105	SH		SOLE		3,105	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	10	150	SH		DFND		0	150	0
GLADSTONE COMMERCIAL CORP	CONSUMER DISCRETIONARY	376536108	22	1,000	SH		SOLE		1,000	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	16	400	SH		DFND		400	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	21	100	SH		SOLE		100	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	8	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	26	607	SH		SOLE		607	0	0
HALLIBURTON COMPANY	ENERGY	406216101	10	365	SH		SOLE		365	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	12	310	SH		SOLE		310	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	72	1,235	SH		SOLE		1,235	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	1,313	6,447	SH		SOLE		6,447	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	616	3,025	SH		DFND		1,000	2,025	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	125	721	SH		SOLE		721	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	16	85	SH		SOLE		85	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	224	1,439	SH		SOLE		1,439	0	0
INGREDION INC	CONSUMER STAPLES	457187102	30	320	SH		SOLE		320	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,188	42,873	SH		SOLE		42,808	0	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	550	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	786	5,604	SH		SOLE		5,604	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	218	1,552	SH		DFND		500	1,052	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	93	1,983	SH		SOLE		1,948	0	35
INTERNATIONAL PAPER CO	MATERIALS	460146103	5	100	SH		DFND		0	100	0
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	11	22	SH		SOLE		22	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	41	1,500	SH		SOLE		1,500	0	0
IQIYI, INC. - ADR	INFORMATION TECHNOLOGY	46267X108	2	100	SH		SOLE		100	0	0
IROBOT CORPORATION	INDUSTRIALS	462726100	3	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	30	2,150	SH		SOLE		2,150	0	0
ISHARES MSCI AUSTRALIA ETF	MUTUAL FUND	464286103	7	300	SH		DFND		300	0	0
ISHARES MSCI CANADA ETF	MUTUAL FUND	464286509	7	250	SH		DFND		250	0	0
ISHARES MSCI HONG KONG ETF	MUTUAL FUND	464286871	3	100	SH		SOLE		100	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	1,008	7,710	SH		SOLE		7,710	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	142	1,410	SH		SOLE		1,410	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,240	55,066	SH		SOLE		54,581	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	893	7,877	SH		DFND		6,085	1,792	0
ISHARES CHINA LARGE CAP ETF	MUTUAL FUND	464287184	5	115	SH		DFND		0	115	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	FIXED INCOME	464287226	364	3,349	SH		SOLE		3,349	0	0
ISHARES MSCI EMERGING MARKETS ETF	Exchange Traded Funds - Equity	464287234	15	340	SH		SOLE		340	0	0
ISHARES GLOBAL TECH ETF	Exchange Traded Funds - Equity	464287291	21	114	SH		SOLE		114	0	0
ISHARES S&P 500 GROWTH ETF	Exchange Traded Funds - Equity	464287309	6	31	SH		SOLE		31	0	0
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	553	8,277	SH		SOLE		8,190	0	87
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	67	1,010	SH		DFND		360	650	0
ISHARES RUSSELL MIDCAP ETF	Exchange Traded Funds - Equity	464287499	136	2,424	SH		SOLE		2,424	0	0
ISHARES RUSSELL 1000 VALUE INDEX FUND	MUTUAL FUND	464287598	10	76	SH		SOLE		76	0	0
ISHARES RUSSELL 1000 GROWTH ETF	MUTUAL FUND	464287614	351	2,223	SH		SOLE		2,223	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	204	1,010	SH		SOLE		1,010	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	127	803	SH		SOLE		803	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	3,285	40,993	SH		SOLE		40,913	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	84	1,043	SH		DFND		0	1,043	0
ETF ISHARES GLOBAL CLEAN ENERGY	Exchange Traded Funds - Equity	464288224	17	1,655	SH		SOLE		1,655	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	36	330	SH		SOLE		330	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	23	605	SH		SOLE		605	0	0
ISHARES MSCI USA ESG SELECT	MUTUAL FUND	464288802	37	300	SH		SOLE		300	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	7	264	SH		DFND		264	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	2,040	17,576	SH		SOLE		17,551	0	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	223	1,925	SH		DFND		830	1,095	0
JD.COM INC.-ADR	CONSUMER DISCRETIONARY	47215P106	2	70	SH		SOLE		70	0	0
JOHNSON & JOHNSON	HEALTHCARE	478160104	3,223	22,825	SH		SOLE		22,795	0	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	820	5,805	SH		DFND		2,000	3,805	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	12	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	10	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	162	1,262	SH		SOLE		1,262	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	137	1,070	SH		DFND		1,000	70	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	4	23	SH		SOLE		23	0	0
ELI LILLY & CO	HEALTHCARE	532457108	402	3,432	SH		SOLE		3,432	0	0
ELI LILLY & CO	HEALTHCARE	532457108	339	2,895	SH		DFND		2,750	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	10	50	SH		SOLE		50	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	1,128	3,383	SH		SOLE		3,383	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	387	1,160	SH		DFND		840	320	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	343	3,028	SH		SOLE		2,953	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	91	800	SH		DFND		800	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	16	880	SH		SOLE		880	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	4	60	SH		SOLE		60	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	11	10	SH		SOLE		10	0	0
MARRIOTT INTERNATIONAL INC. CLASS A	CONSUMER DISCRETIONARY	571903202	5	40	SH		SOLE		40	0	0
MASIMO CORPORATION	HEALTHCARE	574795100	2	12	SH		SOLE		12	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	119	469	SH		SOLE		469	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	17	65	SH		DFND		0	65	0
MATCH GROUP INC.	INFORMATION TECHNOLOGY	57665R106	5	85	SH		SOLE		85	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	42	270	SH		SOLE		270	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	108	700	SH		DFND		0	700	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	1,629	8,243	SH		SOLE		8,228	0	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	730	3,697	SH		DFND		1,300	2,397	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	57	480	SH		SOLE		480	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	1	3	SH		SOLE		3	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	680	8,641	SH		SOLE		8,641	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	151	1,920	SH		DFND		1,500	420	0
METLIFE INC	FINANCIALS	59156R108	432	9,361	SH		SOLE		9,331	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	2,840	21,744	SH		SOLE		21,744	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	643	4,920	SH		DFND		2,430	2,490	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	59	1,151	SH		SOLE		1,151	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	51	1,000	SH		DFND		0	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	12	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	219	4,532	SH		SOLE		4,532	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	7	255	SH		SOLE		255	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	5	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	7	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	233	630	SH		SOLE		630	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	46	912	SH		SOLE		912	0	0
NEW RESIDENTIAL INVESTMENT CORP	REAL ESTATE	64828T201	13	800	SH		SOLE		800	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	7	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT GOLDCORP CORPORATION	MATERIALS	651639106	41	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,411	7,255	SH		SOLE		7,255	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	319	1,640	SH		DFND		1,200	440	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	470	5,350	SH		SOLE		5,350	0	0
NOBLE ENERGY INC.	ENERGY	655044105	3	100	SH		SOLE		0	0	100
NOBLE ENERGY INC.	ENERGY	655044105	8	300	SH		DFND		0	300	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	9	45	SH		SOLE		45	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	131	452	SH		SOLE		452	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		DFND		0	130	0
NUCOR	MATERIALS	670346105	39	685	SH		SOLE		685	0	0
NUCOR	MATERIALS	670346105	80	1,400	SH		DFND		800	600	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	491	2,711	SH		SOLE		2,711	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	38	643	SH		SOLE		643	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	186	3,358	SH		SOLE		3,358	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	9	170	SH		DFND		0	170	0
OPPENHEIMER DEVELOPING MARKETS FUND	MUTUAL FUND	683974604	4,918	112,902	SH		SOLE		112,313	0	589
OPPENHEIMER DEVELOPING MARKETS FUND	MUTUAL FUND	683974604	24	554	SH		DFND		69	485	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	51	376	SH		SOLE		376	0	0
PPG INDUSTRIES	MATERIALS	693506107	16	140	SH		SOLE		140	0	0
PPL CORP	UTILITIES	69351T106	7	220	SH		SOLE		220	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	24	600	SH		SOLE		600	0	0
PALO ALTO NETWORKS INC	INFORMATION TECHNOLOGY	697435105	4	15	SH		SOLE		15	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	2,451	19,138	SH		SOLE		19,138	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	535	4,180	SH		DFND		1,845	2,335	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	12	125	SH		SOLE		125	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	2	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	505	12,441	SH		SOLE		12,441	0	0
PFIZER INC	HEALTHCARE	717081103	307	7,556	SH		DFND		4,600	2,956	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	118	1,360	SH		SOLE		1,360	0	0
PHILLIPS 66	ENERGY	718546104	328	3,479	SH		SOLE		3,479	0	0
PHILLIPS 66	ENERGY	718546104	133	1,407	SH		DFND		1,095	312	0
PITNEY BOWES	INFORMATION TECHNOLOGY	724479100	4	500	SH		SOLE		500	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	3	1,110	SH		SOLE		1,110	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	6	50	SH		SOLE		50	0	0
PREFERRED APARTMENT COMMUNITIES	REAL ESTATE	74039L103	23	1,440	SH		SOLE		1,440	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	25	233	SH		SOLE		233	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	2,561	24,055	SH		SOLE		24,020	0	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	778	7,302	SH		DFND		2,915	4,387	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	182	1,720	SH		SOLE		1,720	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	129	2,164	SH		SOLE		2,164	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	620	7,195	SH		SOLE		7,165	0	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	78	900	SH		DFND		665	235	0
QUANTA SERVICES INC	INDUSTRIALS	74762E102	4	100	SH		SOLE		100	0	0
QUEST DIAGNOSTICS	HEALTHCARE	74834L100	3	27	SH		SOLE		27	0	0
RAYTHEON CO COM NEW	INDUSTRIALS	755111507	71	398	SH		SOLE		398	0	0
RAYTHEON CO COM NEW	INDUSTRIALS	755111507	89	500	SH		DFND		0	500	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	45	131	SH		SOLE		131	0	0
RIO TINTO PLC	MATERIALS	767204100	29	500	SH		SOLE		500	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	3	103	SH		SOLE		103	0	0
ROKU INC	CONSUMER DISCRETIONARY	77543R102	3	40	SH		SOLE		40	0	0
ROYAL DUTCH SHELL PLC ADR	ENERGY	780259206	44	690	SH		SOLE		690	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	13,336	45,359	SH		SOLE		45,359	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	387	1,317	SH		DFND		722	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	112	924	SH		SOLE		924	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	21	210	SH		SOLE		210	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	460	5,395	SH		SOLE		5,395	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE TRUST ETF	Exchange Traded Funds - Equity	78467X109	7	25	SH		SOLE		25	0	0
S&P MIDCAP 400 DEPOSITORY RECEIPTS ETF -W	MUTUAL FUND	78467Y10W	94	263	SH		SOLE		263	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	5,760	16,040	SH		SOLE		15,983	0	57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	134	373	SH		DFND		0	373	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	45	275	SH		SOLE		275	0	0
SCHLUMBERGER LTD	ENERGY	806857108	90	2,120	SH		SOLE		2,120	0	0
SCHLUMBERGER LTD	ENERGY	806857108	43	1,000	SH		DFND		0	1,000	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	41	903	SH		SOLE		903	0	0
SEATTLE GENETICS INC	HEALTHCARE	812578102	7	100	SH		SOLE		100	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	130	2,270	SH		SOLE		2,270	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	HEALTHCARE	81369Y209	41	460	SH		SOLE		460	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	CONSUMER STAPLES	81369Y308	28	490	SH		SOLE		490	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	107	895	SH		SOLE		895	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	369	5,580	SH		SOLE		5,580	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	134	4,800	SH		SOLE		4,800	0	0
FINANCIAL SELECT SECTOR SPDR FUND	FINANCIALS	81369Y605	13	450	SH		DFND		450	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	INDUSTRIALS	81369Y704	27	350	SH		SOLE		350	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	823	10,455	SH		SOLE		10,455	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	35	450	SH		DFND		0	450	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	172	2,930	SH		SOLE		2,930	0	0
SEMPRA ENERGY	UTILITIES	816851109	4	30	SH		SOLE		30	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	14	30	SH		SOLE		30	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	5	127	SH		SOLE		127	0	0
SIMON PROPERTY GROUP	FINANCIALS	828806109	115	662	SH		SOLE		662	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	120	980	SH		SOLE		980	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	117	951	SH		DFND		0	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	102	609	SH		SOLE		609	0	0
SONY CORP ADR	FOREIGN EQUITIES	835699307	8	155	SH		SOLE		155	0	0
SOUTHERN CO	UTILITIES	842587107	599	11,253	SH		SOLE		11,253	0	0
SOUTHERN CO	UTILITIES	842587107	228	4,280	SH		DFND		2,850	1,430	0
SOUTHWEST AIRLINES	INDUSTRIALS	844741108	25	465	SH		SOLE		465	0	0
SOUTHWEST GAS CORP	ENERGY	844895102	12	150	SH		SOLE		150	0	0
SPLUNK INC.	ENERGY	848637104	7	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	396	5,102	SH		SOLE		5,102	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	7	92	SH		DFND		0	92	0
STEEL DYNAMICS INC	MATERIALS	858119100	5	145	SH		SOLE		145	0	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	5	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	560	2,963	SH		SOLE		2,963	0	0
STRYKER CORP	HEALTHCARE	863667101	55	290	SH		DFND		180	110	0
SUNTRUST BANKS INC	FINANCIALS	867914103	12	180	SH		SOLE		180	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	15	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	32	580	SH		SOLE		580	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	9	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	218	2,820	SH		SOLE		2,778	0	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	130	1,680	SH		DFND		670	1,010	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	12	255	SH		SOLE		255	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	46	194	SH		SOLE		194	0	0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS	HEALTHCARE	881624209	7	468	SH		SOLE		268	0	200
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	58	490	SH		SOLE		490	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	16	70	SH		SOLE		70	0	0
3M CO COM	INDUSTRIALS	88579Y101	297	1,569	SH		SOLE		1,569	0	0
3M CO COM	INDUSTRIALS	88579Y101	256	1,350	SH		DFND		835	515	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	22	388	SH		SOLE		388	0	0
TOTAL SA	FOREIGN EQUITIES	89151E109	111	2,000	SH		SOLE		2,000	0	0
TRANSCANADA CORP	FOREIGN EQUITIES	89353D107	2	50	SH		SOLE		50	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	126	875	SH		SOLE		875	0	0
TRUSTCO BK CORP N Y COM	FINANCIALS	898349105	25	3,170	SH		SOLE		3,170	0	0
TRUSTCO BK CORP N Y COM	FINANCIALS	898349105	11	1,400	SH		DFND		0	1,400	0
TWILIO INC. - A	INFORMATION TECHNOLOGY	90138F102	7	48	SH		SOLE		48	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	175	3,282	SH		SOLE		3,282	0	0
UNDER ARMOUR INC	CONSUMER DISCRETIONARY	904311107	7	300	SH		SOLE		300	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	10	170	SH		DFND		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	75	423	SH		SOLE		423	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	211	1,988	SH		SOLE		1,988	0	0
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	2,463	17,271	SH		SOLE		17,239	0	32
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	430	3,015	SH		DFND		1,645	1,370	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	290	1,246	SH		SOLE		1,246	0	0
UNIVERSAL DISPLAY CORP	INFORMATION TECHNOLOGY	91347P105	3	17	SH		SOLE		17	0	0
VAIL RESORTS INC.	CONSUMER DISCRETIONARY	91879Q109	3	15	SH		SOLE		15	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	32	350	SH		SOLE		350	0	0
VALERO ENERGY NEW	ENERGY	91913Y100	10	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	9	75	SH		SOLE		75	0	0
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	1,295	24,275	SH		SOLE		24,275	0	0
VANGUARD SHORT-TERM BOND ETF	ETF's - Fixed Income	921937827	6	81	SH		SOLE		81	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	744	9,184	SH		SOLE		9,184	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	752	17,887	SH		SOLE		17,887	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	1,208	27,839	SH		SOLE		27,729	0	110
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	56	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	8,711	64,755	SH		SOLE		64,755	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	40	457	SH		SOLE		457	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	30	350	SH		DFND		0	350	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,876	11,250	SH		SOLE		11,250	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	545	3,625	SH		SOLE		3,625	0	0
VERIZON COMMUNICATIONS INC	TELECOM. SERVICES	92343V104	1,542	26,969	SH		SOLE		26,887	0	82
VERIZON COMMUNICATIONS INC	TELECOM. SERVICES	92343V104	425	7,433	SH		DFND		3,575	3,858	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	4	25	SH		SOLE		25	0	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	14	80	SH		DFND		0	80	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	309	1,878	SH		SOLE		1,878	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	16	100	SH		DFND		0	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	15	75	SH		SOLE		75	0	0
WP CAREY INC	CONSUMER DISCRETIONARY	92936U109	0	1	SH		SOLE		1	0	0
WESTINGHOUSE AIR BRAKE TECHNOLOGY CORP	INDUSTRIALS	929740108	11	147	SH		SOLE		101	46	0
WESTINGHOUSE AIR BRAKE TECHNOLOGY CORP	INDUSTRIALS	929740108	0	3	SH		DFND		3	0	0
WALMART INC	CONSUMER STAPLES	931142103	375	3,644	SH		SOLE		3,644	0	0
WALMART INC	CONSUMER STAPLES	931142103	183	1,780	SH		DFND		1,500	280	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,112	10,360	SH		SOLE		10,360	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	254	2,365	SH		DFND		880	1,485	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	142	2,925	SH		SOLE		2,925	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	45	920	SH		DFND		700	220	0
WEYERHAEUSER COMPANY	MATERIALS	962166104	4	150	SH		DFND		0	150	0
THE WILLIAMS CO. INC.	ENERGY	969457100	66	2,331	SH		SOLE		2,331	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	4	600	SH		SOLE		600	0	0
WORLD FUEL SERVICES CORPORATION	INDUSTRIALS	981475106	21	685	SH		SOLE		685	0	0
YRC WORLDWIDE INC	INDUSTRIALS	984249607	0	2	SH		SOLE		2	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	8	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	63	600	SH		DFND		0	600	0
ZEBRA TECHNOLOGIES CORP CLASS A	INFORMATION TECHNOLOGY	989207105	6	30	SH		SOLE		30	0	0
ZIMMER HOLDINGS INC.	HEALTHCARE	98956P102	62	500	SH		DFND		0	500	0