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	75	600	SH		SOLE		600	0	0
ACCENTURE PLC	INFORMATION TECHNOLOGY	G1151C101	675	3,507	SH		SOLE		3,507	0	0
EATON CORP PLC	INDUSTRIALS	G29183103	12	150	SH		SOLE		150	0	0
NORWEGIAN CRUISE LINE HOLDINGS LTD	CONSUMER DISCRETIONARY	G66721104	5	100	SH		SOLE		100	0	0
NOVOCURE LIMITED	HEALTHCARE	G6674U108	7	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	6	53	SH		SOLE		53	0	0
ROYAL CARIBBEAN CRUISES LTD	CONSUMER DISCRETIONARY	V7780T103	67	618	SH		SOLE		618	0	0
AFLAC INC.	FINANCIALS	001055102	13	250	SH		DFND		0	250	0
AT&T INC.	COMMUNICATION SERVICES	00206R102	1,729	45,694	SH		SOLE		45,634	0	60
AT&T INC.	COMMUNICATION SERVICES	00206R102	398	10,521	SH		DFND		5,011	5,510	0
ABBOTT LABS	HEALTHCARE	002824100	452	5,402	SH		SOLE		5,402	0	0
ABBOTT LABS	HEALTHCARE	002824100	246	2,945	SH		DFND		1,250	1,695	0
ABBVIE INC.	HEALTHCARE	00287Y109	729	9,624	SH		SOLE		9,624	0	0
ABBVIE INC.	HEALTHCARE	00287Y109	223	2,945	SH		DFND		1,250	1,695	0
ABIOMED INC	HEALTHCARE	003654100	2	10	SH		SOLE		10	0	0
ACTIVISION BLIZZARD, INC.	INFORMATION TECHNOLOGY	00507V109	67	1,270	SH		SOLE		1,270	0	0
ADOBE INC	INFORMATION TECHNOLOGY	00724F101	102	369	SH		SOLE		369	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	7	SH		SOLE		7	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	87	800	SH		SOLE		800	0	0
ALLSTATE CORP	FINANCIALS	020002101	33	300	SH		DFND		0	300	0
ALTRIA GROUP, INC.	CONSUMER STAPLES	02209S103	131	3,196	SH		SOLE		3,196	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	3,099	1,785	SH		SOLE		1,785	0	0
AMAZON. COM, INC	CONSUMER DISCRETIONARY	023135106	35	20	SH		DFND		10	10	0
AMERICAN ELEC PWR INC	UTILITIES	025537101	5	52	SH		SOLE		52	0	0
AMERICAN EXPRESS	FINANCIALS	025816109	277	2,345	SH		SOLE		2,308	0	37
AMERICAN EXPRESS	FINANCIALS	025816109	63	535	SH		DFND		235	300	0
AMERICAN INTERNATIONAL GROUP INC	FINANCIALS	026874784	15	269	SH		SOLE		269	0	0
AMERICAN TOWER CORPORATION	COMMUNICATION SERVICES	03027X100	636	2,874	SH		SOLE		2,874	0	0
AMERICAN WATER WORKS INC.	CONSUMER DISCRETIONARY	030420103	1	10	SH		SOLE		10	0	0
AMERIPRISE FINANCIAL INC.	FINANCIALS	03076C106	3	22	SH		SOLE		22	0	0
AMGEN INCORPORATED	HEALTHCARE	031162100	240	1,242	SH		SOLE		1,242	0	0
APPIAN CORPORATION	INFORMATION TECHNOLOGY	03782L101	5	100	SH		SOLE		100	0	0
APPLE INC	INFORMATION TECHNOLOGY	037833100	4,331	19,338	SH		SOLE		19,318	0	20
APPLE INC	INFORMATION TECHNOLOGY	037833100	231	1,030	SH		DFND		640	390	0
APPLIED MATL INC	INFORMATION TECHNOLOGY	038222105	144	2,890	SH		SOLE		2,890	0	0
AQUA AMERICA INC	UTILITIES	03836W103	508	11,337	SH		SOLE		11,337	0	0
AQUA AMERICA INC	UTILITIES	03836W103	39	875	SH		DFND		0	875	0
ARISTA NETWORKS INC.	INFORMATION TECHNOLOGY	040413106	18	75	SH		SOLE		75	0	0
ARROW FINANCIAL CORPORATION	FINANCIALS	042744102	88	2,644	SH		SOLE		2,644	0	0
ASTRAZENECA PLC - ADR	HEALTHCARE	046353108	18	395	SH		SOLE		395	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	614	3,802	SH		SOLE		3,802	0	0
AUTOMATIC DATA PROCESSING INC	INFORMATION TECHNOLOGY	053015103	450	2,790	SH		DFND		1,460	1,330	0
BP P.L.C.	ENERGY	055622104	121	3,193	SH		SOLE		3,193	0	0
BP PRUDHOE BAY ROYALTY TRUST	ENERGY	055630107	1	100	SH		SOLE		100	0	0
BAIDU INC - SPON ADR	INFORMATION TECHNOLOGY	056752108	3	27	SH		SOLE		27	0	0
BALL CORPORATION	MATERIALS	058498106	74	1,020	SH		SOLE		1,020	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	373	12,797	SH		SOLE		12,797	0	0
BANK OF AMERICA CORP	FINANCIALS	060505104	14	478	SH		DFND		0	478	0
BANK OF NEW YORK MELLON CORP	FINANCIALS	064058100	53	1,175	SH		SOLE		1,175	0	0
BAOUZUN INC-SPN ADR	FOREIGN EQUITIES	06684L103	3	75	SH		SOLE		75	0	0
BARRICK GOLD CORP	MATERIALS	067901108	3	145	SH		SOLE		145	0	0
BAXTER INTERNATIONAL INC.	HEALTHCARE	071813109	87	1,000	SH		SOLE		1,000	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	405	1,602	SH		SOLE		1,602	0	0
BECTON DICKINSON & CO	HEALTHCARE	075887109	59	235	SH		DFND		0	235	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	1,474	7,084	SH		SOLE		7,084	0	0
BERKSHIRE HATHAWAY INC. DEL CLASS B	FINANCIALS	084670702	25	122	SH		DFND		0	122	0
BIOGEN INC	HEALTHCARE	09062X103	7	28	SH		SOLE		28	0	0
BLACKROCK INC	FINANCIALS	09247X101	362	812	SH		SOLE		812	0	0
BLACKROCK INC	FINANCIALS	09247X101	7	15	SH		DFND		0	15	0
BOEING	INDUSTRIALS	097023105	1,179	3,098	SH		SOLE		3,073	0	25
BOEING	INDUSTRIALS	097023105	379	995	SH		DFND		500	495	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	923	18,200	SH		SOLE		18,200	0	0
BRISTOL MYERS SQUIBB CO	HEALTHCARE	110122108	319	6,290	SH		DFND		3,000	3,290	0
BUCKEYE PARTNERS, L.P.	ENERGY	118230101	1	35	SH		SOLE		35	0	0
CBOE GLOBAL MARKETS, INC.	FINANCIALS	12503M108	11	100	SH		SOLE		100	0	0
CME GROUP INC.	FINANCIALS	12572Q105	5	23	SH		SOLE		23	0	0
CSX CORPORATION	INDUSTRIALS	126408103	331	4,785	SH		SOLE		4,785	0	0
CSX CORPORATION	INDUSTRIALS	126408103	145	2,100	SH		DFND		2,100	0	0
CVS HEALTH CORP	CONSUMER STAPLES	126650100	573	9,091	SH		SOLE		9,091	0	0
CANADIAN NATIONAL RAILWAY CO	FOREIGN EQUITIES	136375102	4	40	SH		SOLE		40	0	0
CANADIAN PACIFIC RAILWAY LTD	FOREIGN EQUITIES	13645T100	66	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	11	70	SH		SOLE		70	0	0
CATERPILLAR INC	INDUSTRIALS	149123101	802	6,347	SH		SOLE		6,322	0	25
CATERPILLAR INC	INDUSTRIALS	149123101	269	2,130	SH		DFND		1,485	645	0
CELGENE CORP	HEALTHCARE	151020104	126	1,271	SH		SOLE		1,271	0	0
CELGENE CORP	HEALTHCARE	151020104	11	115	SH		DFND		0	115	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	36	1,200	SH		SOLE		1,200	0	0
CENTERPOINT ENERGY, INC	UTILITIES	15189T107	151	5,000	SH		DFND		5,000	0	0
CENTURYTEL INC	COMMUNICATION SERVICES	156700106	7	535	SH		SOLE		535	0	0
CHARTER COMMUNICATIONS,INC-A	COMMUNICATION SERVICES	16119P108	20	49	SH		SOLE		49	0	0
CHESAPEAKE ENERGY CORP	ENERGY	165167107	2	1,250	SH		SOLE		1,250	0	0
CHEVRON CORPORATION	ENERGY	166764100	1,212	10,216	SH		SOLE		10,216	0	0
CHEVRON CORPORATION	ENERGY	166764100	284	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	1,047	21,195	SH		SOLE		21,130	0	65
CISCO SYSTEMS INC.	INFORMATION TECHNOLOGY	17275R102	88	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	34	492	SH		SOLE		492	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	57	375	SH		SOLE		375	0	0
CLOROX COMPANY	CONSUMER STAPLES	189054109	30	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	819	15,054	SH		SOLE		15,054	0	0
COCA COLA CO	CONSUMER STAPLES	191216100	431	7,925	SH		DFND		4,080	3,845	0
COGNIZANT TECHNOLOGY SOLUTIONS CORP	INFORMATION TECHNOLOGY	192446102	36	600	SH		SOLE		600	0	0
COHERENT INC.	INFORMATION TECHNOLOGY	192479103	1	8	SH		SOLE		8	0	0
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	787	10,704	SH		SOLE		10,669	0	35
COLGATE PALMOLIVE	CONSUMER STAPLES	194162103	204	2,770	SH		DFND		2,500	270	0
COMCAST CORP NEW CL A	CONSUMER DISCRETIONARY	20030N101	286	6,337	SH		SOLE		6,337	0	0
CONOCOPHILLIPS	ENERGY	20825C104	497	8,732	SH		SOLE		8,732	0	0
CONOCOPHILLIPS	ENERGY	20825C104	136	2,395	SH		DFND		1,860	535	0
CONSOLIDATED EDISON INC	UTILITIES	209115104	122	1,291	SH		SOLE		1,291	0	0
CORNING INC	INFORMATION TECHNOLOGY	219350105	96	3,383	SH		SOLE		3,383	0	0
COSTCO WHSL CORP NEW	CONSUMER STAPLES	22160K105	418	1,452	SH		SOLE		1,452	0	0
CRACKER BARREL OLD COUNTRY	CONSUMER DISCRETIONARY	22410J106	41	255	SH		SOLE		255	0	0
CRONOS GROUP, INC.	FOREIGN EQUITIES	22717L101	1	160	SH		SOLE		160	0	0
CUMMINS INC	INDUSTRIALS	231021106	160	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	19	1,500	SH		SOLE		1,500	0	0
DTE ENERGY CO	UTILITIES	233331107	37	280	SH		SOLE		280	0	0
DANAHER CORP	HEALTHCARE	235851102	261	1,810	SH		SOLE		1,810	0	0
DANAHER CORP	HEALTHCARE	235851102	121	835	SH		DFND		460	375	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	282	1,670	SH		SOLE		1,670	0	0
DEERE & CO (JOHN DEERE)	INDUSTRIALS	244199105	35	210	SH		DFND		0	210	0
DELTA AIR LINES INC	CONSUMER DISCRETIONARY	247361702	18	320	SH		SOLE		320	0	0
DENTSPLY SIRONA INC	CONSUMER DISCRETIONARY	24906P109	20	380	SH		SOLE		380	0	0
DIAGEO PLC	CONSUMER DISCRETIONARY	25243Q205	33	200	SH		SOLE		200	0	0
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	1,641	12,590	SH		SOLE		12,565	0	25
DISNEY (WALT) COMPANY HOLDING CO	CONSUMER DISCRETIONARY	254687106	159	1,218	SH		DFND		0	1,218	0
DISCOVER FINANCIAL SERVICES	FINANCIALS	254709108	76	940	SH		SOLE		940	0	0
DOCUSIGN INC	INFORMATION TECHNOLOGY	256163106	6	90	SH		SOLE		90	0	0
DOLLAR GENERAL CORP	CONSUMER DISCRETIONARY	256677105	24	150	SH		SOLE		150	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	251	3,098	SH		SOLE		3,098	0	0
DOMINION ENERGY, INC.	UTILITIES	25746U109	51	635	SH		DFND		635	0	0
DOMINO'S PIZZA INC	CONSUMER DISCRETIONARY	25754A201	15	60	SH		SOLE		60	0	0
DOW INC.	MATERIALS	260557103	92	1,921	SH		SOLE		1,921	0	0
DOW INC.	MATERIALS	260557103	28	597	SH		DFND		0	597	0
DUKE ENERGY CORPORATION NEW	ENERGY	26441C204	136	1,416	SH		SOLE		1,416	0	0
ECA MARCELLUS TRUST I	ENERGY	26827L109	6	4,773	SH		SOLE		4,773	0	0
EOG RESOURCES INC	ENERGY	26875P101	11	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	212	3,173	SH		SOLE		3,173	0	0
EMERSON ELECTRIC	INDUSTRIALS	291011104	311	4,645	SH		DFND		1,450	3,195	0
ENBRIDGE INC	ENERGY	29250N105	22	628	SH		SOLE		628	0	0
ENCANA CORP	FOREIGN EQUITIES	292505104	3	544	SH		SOLE		544	0	0
ENERGY TRANSFER LP COM UT LTD PTN	ENERGY	29273V100	32	2,438	SH		SOLE		2,438	0	0
ENTERGY CORPORATION	UTILITIES	29364G103	94	800	SH		DFND		800	0	0
ENTERPRISE PRODUCTS PARTNERS L.P.	ENERGY	293792107	99	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	132	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	66	1,365	SH		DFND		1,090	275	0
EXXON MOBIL CORP	ENERGY	30231G102	1,605	22,725	SH		SOLE		22,688	0	37
EXXON MOBIL CORP	ENERGY	30231G102	738	10,451	SH		DFND		1,837	8,614	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	1,144	6,422	SH		SOLE		6,422	0	0
FACEBOOK INC	INFORMATION TECHNOLOGY	30303M102	31	175	SH		DFND		70	105	0
FAIR ISAAC CORPORATION	INFORMATION TECHNOLOGY	303250104	5	15	SH		SOLE		15	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	124	852	SH		SOLE		852	0	0
FEDEX CORPORATION	INDUSTRIALS	31428X106	23	155	SH		DFND		125	30	0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	INFORMATION TECHNOLOGY	316092808	30	465	SH		SOLE		465	0	0
FIDELITY MCSI REAL ESTATE INDEX ETF	REAL ESTATE	316092857	31	1,109	SH		SOLE		1,109	0	0
FIRST TRUST NASDAQ CLEAN EDGE GREEN ENERGY ETF	Exchange Traded Funds - Equity	33733E500	32	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	15	308	SH		SOLE		308	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	104	11,340	SH		SOLE		11,340	0	0
FORD MOTOR CO DEL	CONSUMER DISCRETIONARY	345370860	3	300	SH		DFND		300	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	3	50	SH		SOLE		50	0	0
FORTIVE CORPORATION	INFORMATION TECHNOLOGY	34959J108	20	287	SH		DFND		100	187	0
FRANKLIN RESOURCES, INC.	FINANCIALS	354613101	4	150	SH		SOLE		150	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	230	1,261	SH		SOLE		1,261	0	0
GENERAL DYNAMICS CORPORATION	INDUSTRIALS	369550108	12	65	SH		DFND		65	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	202	22,638	SH		SOLE		22,638	0	0
GENERAL ELECTRIC CO	INDUSTRIALS	369604103	116	12,970	SH		DFND		3,140	9,730	100
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	29	520	SH		SOLE		520	0	0
GENERAL MILLS, INC	CONSUMER STAPLES	370334104	154	2,800	SH		DFND		2,200	600	0
GENUINE PARTS	CONSUMER DISCRETIONARY	372460105	17	175	SH		SOLE		175	0	0
GILEAD SCIENCES, INC.	HEALTHCARE	375558103	197	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	24	1,000	SH		SOLE		1,000	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	4	105	SH		SOLE		105	0	0
GLAXO SMITHKLINE PLC SPON ADR	HEALTHCARE	37733W105	17	400	SH		DFND		400	0	0
GOLDMAN SACHS GROUP INC	FINANCIALS	38141G104	21	100	SH		SOLE		100	0	0
GUARDANT HEALTH INC.	HEALTHCARE	40131M109	7	115	SH		SOLE		115	0	0
HSBC HOLDINGS PLC SPONS ADRS	FINANCIALS	404280406	23	607	SH		SOLE		607	0	0
HALLIBURTON COMPANY	ENERGY	406216101	7	365	SH		SOLE		365	0	0
HARLEY DAVIDSON	CONSUMER DISCRETIONARY	412822108	11	310	SH		SOLE		310	0	0
HELMERICH & PAYNE, INC.	ENERGY	423452101	49	1,235	SH		SOLE		1,235	0	0
THE HERSHEY COMPANY	CONSUMER STAPLES	427866108	31	200	SH		SOLE		200	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	1,489	6,417	SH		SOLE		6,417	0	0
HOME DEPOT INC	CONSUMER DISCRETIONARY	437076102	702	3,025	SH		DFND		1,000	2,025	0
HONEYWELL INTERNATIONAL INC	INDUSTRIALS	438516106	127	751	SH		SOLE		751	0	0
HUBSPOT INC.	INFORMATION TECHNOLOGY	443573100	13	85	SH		SOLE		85	0	0
ILLINOIS TOOL WORKS INC.	INDUSTRIALS	452308109	162	1,034	SH		SOLE		1,034	0	0
INGREDION INC	CONSUMER STAPLES	457187102	26	320	SH		SOLE		320	0	0
INTEL CORP	INFORMATION TECHNOLOGY	458140100	2,289	44,437	SH		SOLE		44,372	0	65
INTEL CORP	INFORMATION TECHNOLOGY	458140100	556	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	756	5,198	SH		SOLE		5,198	0	0
INTL BUSINESS MACHINES	INFORMATION TECHNOLOGY	459200101	226	1,552	SH		DFND		500	1,052	0
INTERNATIONAL PAPER CO	MATERIALS	460146103	84	2,005	SH		SOLE		1,970	0	35
INTERNATIONAL PAPER CO	MATERIALS	460146103	4	100	SH		DFND		0	100	0
INTUITIVE SURGICAL INC	HEALTHCARE	46120E602	21	39	SH		SOLE		39	0	0
INVESCO GLOBAL WATER ETF	Exchange Traded Funds - Equity	46138E651	42	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	2	30	SH		SOLE		30	0	0
ETF ISHARES SILVER TR	MUTUAL FUND	46428Q109	34	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	2	100	SH		SOLE		100	0	0
ISHARES S & P 100 ETF	MUTUAL FUND	464287101	986	7,500	SH		SOLE		7,500	0	0
ISHARES SELECT DIVIDEND ETF	MUTUAL FUND	464287168	144	1,410	SH		SOLE		1,410	0	0
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	6,244	53,696	SH		SOLE		53,211	0	485
ISHARES TIPS BOND ETF	FIXED INCOME	464287176	916	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	427	3,774	SH		SOLE		3,774	0	0
ISHARES MSCI EMERGING MARKETS ETF	Exchange Traded Funds - Equity	464287234	14	340	SH		SOLE		340	0	0
ISHARES GLOBAL TECH ETF	Exchange Traded Funds - Equity	464287291	9	50	SH		SOLE		50	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	471	7,227	SH		SOLE		7,140	0	87
ISHARES MSCI EAFE ETF FUND	MUTUAL FUND	464287465	66	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 CORE S&P MID CAP ETF	Exchange Traded Funds - Equity	464287507	74	383	SH		SOLE		383	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	355	2,223	SH		SOLE		2,223	0	0
ISHARES RUSSELL 2000 GROWTH ETF	Exchange Traded Funds - Equity	464287648	195	1,010	SH		SOLE		1,010	0	0
ISHARES RUSSELL 2000 ETF	Exchange Traded Funds - Equity	464287655	122	803	SH		SOLE		803	0	0
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	3,127	40,168	SH		SOLE		40,088	0	80
ISHARES CORE S&P SMALL-CAP ETF	MUTUAL FUND	464287804	81	1,043	SH		DFND		0	1,043	0
ETF ISHARES GLOBAL CLEAN ENERGY	Exchange Traded Funds - Equity	464288224	29	2,655	SH		SOLE		2,655	0	0
ISHARES MSCI KLD 400 SOCIAL	MUTUAL FUND	464288570	37	330	SH		SOLE		330	0	0
ISHARES DOW JONES US HOME CONSTRUCTION INDEX	Exchange Traded Funds - Equity	464288752	26	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	6	264	SH		DFND		264	0	0
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	2,102	17,857	SH		SOLE		17,832	0	25
JPMORGAN CHASE & CO COM	FINANCIALS	46625H100	227	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	2,858	22,092	SH		SOLE		22,062	0	30
JOHNSON & JOHNSON	HEALTHCARE	478160104	743	5,745	SH		DFND		2,000	3,745	0
KELLOGG COMPANY	CONSUMER STAPLES	487836108	13	200	SH		DFND		200	0	0
KEYCORP NEW COM	FINANCIALS	493267108	10	542	SH		SOLE		542	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	179	1,262	SH		SOLE		1,262	0	0
KIMBERLY CLARK	CONSUMER STAPLES	494368103	152	1,070	SH		DFND		1,000	70	0
ESTEE LAUDER COMPANIES-CL A	CONSUMER STAPLES	518439104	5	23	SH		SOLE		23	0	0
ELI LILLY & CO	HEALTHCARE	532457108	380	3,402	SH		SOLE		3,402	0	0
ELI LILLY & CO	HEALTHCARE	532457108	324	2,895	SH		DFND		2,750	145	0
LITTELFUSE INC	INFORMATION TECHNOLOGY	537008104	9	50	SH		SOLE		50	0	0
LLOYDS TSB GROUP PLC	FOREIGN EQUITIES	539439109	3	1,000	SH		SOLE		1,000	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	1,480	3,794	SH		SOLE		3,794	0	0
LOCKHEED MARTIN CORP	INDUSTRIALS	539830109	452	1,160	SH		DFND		840	320	0
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	328	2,983	SH		SOLE		2,908	0	75
LOWES COMPANIES INC	CONSUMER DISCRETIONARY	548661107	88	800	SH		DFND		800	0	0
MANULIFE FINANCIAL	FINANCIALS	56501R106	17	945	SH		SOLE		945	0	0
MARATHON PETROLEUM CORPORATION	ENERGY	56585A102	174	2,862	SH		SOLE		2,862	0	0
MARKEL CORP HOLDING COMPANY	FINANCIALS	570535104	12	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	137	504	SH		SOLE		504	0	0
MASTERCARD INC - CLASS A	FINANCIALS	57636Q104	18	65	SH		DFND		0	65	0
MATCH GROUP INC.	INFORMATION TECHNOLOGY	57665R106	6	85	SH		SOLE		85	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	42	270	SH		SOLE		270	0	0
MCCORMICK & CO.	CONSUMER STAPLES	579780206	109	700	SH		DFND		0	700	0
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	1,750	8,151	SH		SOLE		8,136	0	15
MCDONALDS CORP	CONSUMER DISCRETIONARY	580135101	794	3,697	SH		DFND		1,300	2,397	0
MCKESSON CORPORATION	HEALTHCARE	58155Q103	66	480	SH		SOLE		480	0	0
MERCADOLIBRE INC	INFORMATION TECHNOLOGY	58733R102	2	3	SH		SOLE		3	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	659	7,828	SH		SOLE		7,828	0	0
MERCK & CO., INC	HEALTHCARE	58933Y105	162	1,920	SH		DFND		1,500	420	0
METLIFE INC	FINANCIALS	59156R108	448	9,494	SH		SOLE		9,464	0	30
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	3,025	21,756	SH		SOLE		21,756	0	0
MICROSOFT CORP	INFORMATION TECHNOLOGY	594918104	684	4,920	SH		DFND		2,430	2,490	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	64	1,151	SH		SOLE		1,151	0	0
MONDELEZ INTERNATIONAL INC	CONSUMER STAPLES	609207105	55	1,000	SH		DFND		0	1,000	0
MONGODB, INC.	INFORMATION TECHNOLOGY	60937P106	11	88	SH		SOLE		88	0	0
MORGAN STANLEY	FINANCIALS	617446448	196	4,602	SH		SOLE		4,602	0	0
NCR CORPORATION	INFORMATION TECHNOLOGY	62886E108	6	187	SH		SOLE		187	0	0
NASDAQ STOCK MARKET INC	FINANCIALS	631103108	5	50	SH		SOLE		50	0	0
NETAPP, INC.	INFORMATION TECHNOLOGY	64110D104	5	100	SH		SOLE		100	0	0
NETFLIX INC	INFORMATION TECHNOLOGY	64110L106	157	585	SH		SOLE		585	0	0
NEW JERSEY RESOURCES CORP	UTILITIES	646025106	41	912	SH		SOLE		912	0	0
NEW RESIDENTIAL INVESTMENT CORP	REAL ESTATE	64828T201	16	1,010	SH		SOLE		1,010	0	0
NEW RELIC INC	INFORMATION TECHNOLOGY	64829B100	4	65	SH		SOLE		65	0	0
NEWELL BRANDS INC	CONSUMER DISCRETIONARY	651229106	0	16	SH		SOLE		16	0	0
NEWMONT GOLDCORP CORPORATION	MATERIALS	651639106	50	1,312	SH		SOLE		1,312	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	1,678	7,201	SH		SOLE		7,201	0	0
NEXTERA ENERGY INC	UTILITIES	65339F101	382	1,640	SH		DFND		1,200	440	0
NIKE, INC	CONSUMER DISCRETIONARY	654106103	503	5,360	SH		SOLE		5,360	0	0
NOBLE ENERGY INC.	ENERGY	655044105	7	300	SH		DFND		0	300	0
NORFOLK SOUTHERN CORPORATION	INDUSTRIALS	655844108	8	45	SH		SOLE		45	0	0
NORTHROP GRUMMAN CORP	INDUSTRIALS	666807102	169	452	SH		SOLE		452	0	0
NOVARTIS AG - ADR	FOREIGN EQUITIES	66987V109	11	130	SH		DFND		0	130	0
NUCOR	MATERIALS	670346105	31	600	SH		SOLE		600	0	0
NUCOR	MATERIALS	670346105	71	1,400	SH		DFND		800	600	0
NVIDIA CORP.	INFORMATION TECHNOLOGY	67066G104	478	2,746	SH		SOLE		2,746	0	0
O'SHARES FTSE US QUALITY DIVIDEND ETF	Exchange Traded Funds - Equity	67110P407	141	4,059	SH		SOLE		4,059	0	0
OCCIDENTAL PETROLEUM CORP	ENERGY	674599105	36	808	SH		SOLE		808	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	185	3,358	SH		SOLE		3,358	0	0
ORACLE CORPORATION	INFORMATION TECHNOLOGY	68389X105	9	170	SH		DFND		0	170	0
PNC FINANCIAL SERVICES GROUP INC	FINANCIALS	693475105	53	376	SH		SOLE		376	0	0
PPG INDUSTRIES	MATERIALS	693506107	17	140	SH		SOLE		140	0	0
PPL CORP	UTILITIES	69351T106	7	220	SH		SOLE		220	0	0
PACIRA BIOSCIENCES, INC	HEALTHCARE	695127100	23	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	2,635	19,223	SH		SOLE		19,223	0	0
PEPSICO INC	CONSUMER STAPLES	713448108	573	4,180	SH		DFND		1,845	2,335	0
PERKIN ELMER, INC	INFORMATION TECHNOLOGY	714046109	11	125	SH		SOLE		125	0	0
PETMED EXPRESS INC.	HEALTHCARE	716382106	2	100	SH		SOLE		100	0	0
PFIZER INC	HEALTHCARE	717081103	590	16,423	SH		SOLE		16,423	0	0
PFIZER INC	HEALTHCARE	717081103	271	7,556	SH		DFND		4,600	2,956	0
PHILIP MORRIS INTERNATIONAL W/I	CONSUMER DISCRETIONARY	718172109	126	1,666	SH		SOLE		1,666	0	0
PHILLIPS 66	ENERGY	718546104	358	3,499	SH		SOLE		3,499	0	0
PHILLIPS 66	ENERGY	718546104	144	1,407	SH		DFND		1,095	312	0
PITNEY BOWES	INFORMATION TECHNOLOGY	724479100	5	1,057	SH		SOLE		1,057	0	0
PLUG POWER INC.	INFORMATION TECHNOLOGY	72919P202	3	1,110	SH		SOLE		1,110	0	0
POST HOLDINGS INC	CONSUMER STAPLES	737446104	5	50	SH		SOLE		50	0	0
PREFERRED APARTMENT COMMUNITIES	REAL ESTATE	74039L103	24	1,665	SH		SOLE		1,665	0	0
T ROWE PRICE GROUP INC	FINANCIALS	74144T108	27	233	SH		SOLE		233	0	0
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	3,038	24,427	SH		SOLE		24,392	0	35
PROCTER & GAMBLE CO	CONSUMER STAPLES	742718109	908	7,302	SH		DFND		2,915	4,387	0
PRUDENTIAL FINANCIAL INC	FINANCIALS	744320102	154	1,716	SH		SOLE		1,716	0	0
PUBLIC SERVICE ENTERPRISE GROUP, INC	UTILITIES	744573106	110	1,779	SH		SOLE		1,779	0	0
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	534	7,003	SH		SOLE		6,973	0	30
QUALCOMM INC	INFORMATION TECHNOLOGY	747525103	69	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	78	398	SH		SOLE		398	0	0
RAYTHEON CO COM NEW	INDUSTRIALS	755111507	98	500	SH		DFND		0	500	0
REGENERON PHARMACEUTICALS	HEALTHCARE	75886F107	36	131	SH		SOLE		131	0	0
REPLIGEN CORPORATION	HEALTHCARE	759916109	8	100	SH		SOLE		100	0	0
RIO TINTO PLC	MATERIALS	767204100	26	500	SH		SOLE		500	0	0
ROCHE HOLDING AG	HEALTHCARE	771195104	4	103	SH		SOLE		103	0	0
ROYAL DUTCH SHELL PLC-ADR	ENERGY	780259107	4	64	SH		SOLE		64	0	0
ROYAL DUTCH SHELL PLC ADR	ENERGY	780259206	49	840	SH		SOLE		840	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	13,066	44,030	SH		SOLE		44,030	0	0
SPDR S & P 500 ETF TRUST	MUTUAL FUND	78462F103	391	1,317	SH		DFND		722	595	0
SPDR GOLD TRUST	MUTUAL FUND	78463V107	148	1,064	SH		SOLE		1,064	0	0
SPDR LOW CARBON TARGET ETF	Exchange Traded Funds - Equity	78463X194	10	110	SH		SOLE		110	0	0
SPDR S&P DIVIDEND ETF	Exchange Traded Funds - Equity	78464A763	22	210	SH		SOLE		210	0	0
ETF SPDR S&P BIOTECH	HEALTHCARE	78464A870	400	5,245	SH		SOLE		5,245	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	93	263	SH		SOLE		263	0	0
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	5,429	15,403	SH		SOLE		15,346	0	57
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF	MUTUAL FUND	78467Y107	131	373	SH		DFND		0	373	0
SPDR GENDER DIVERSITY INDEX ETF	Exchange Traded Funds - Equity	78468R747	15	200	SH		SOLE		200	0	0
SALESFORCE.COM, INC.	INFORMATION TECHNOLOGY	79466L302	49	333	SH		SOLE		333	0	0
SCHLUMBERGER LTD	ENERGY	806857108	95	2,770	SH		SOLE		2,770	0	0
SCHLUMBERGER LTD	ENERGY	806857108	34	1,000	SH		DFND		0	1,000	0
CHARLES SCHWAB CORPORATION	FINANCIALS	808513105	24	568	SH		SOLE		568	0	0
SEATTLE GENETICS INC	HEALTHCARE	812578102	9	100	SH		SOLE		100	0	0
MATERIAL SELECT SECTOR SPDR TRUST	MATERIALS	81369Y100	132	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	81	1,323	SH		SOLE		1,323	0	0
CONSUMER DISCRETIONARY SELE CT SECTOR SPDR FUND	CONSUMER DISCRETIONARY	81369Y407	92	760	SH		SOLE		760	0	0
ENERGY SELECT SECTOR SPDR FUND	ENERGY	81369Y506	311	5,255	SH		SOLE		5,255	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	8	100	SH		SOLE		100	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	892	11,076	SH		SOLE		11,076	0	0
TECHNOLOGY SELECT SECT SPDR	INFORMATION TECHNOLOGY	81369Y803	36	450	SH		DFND		0	450	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	COMMUNICATION SERVICES	81369Y852	82	1,661	SH		SOLE		1,661	0	0
AMEX UTILITIES SELECT INDEX SHS BEN INT	UTILITIES	81369Y886	190	2,930	SH		SOLE		2,930	0	0
SEMPRA ENERGY	UTILITIES	816851109	172	1,166	SH		SOLE		1,166	0	0
SHERWIN WILLIAMS COMPANY	CONSUMER DISCRETIONARY	824348106	16	30	SH		SOLE		30	0	0
SCHOCKWAVE MEDICAL INC	HEALTHCARE	82489T104	4	127	SH		SOLE		127	0	0
SIMON PROPERTY GROUP	FINANCIALS	828806109	110	708	SH		SOLE		708	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	94	855	SH		SOLE		855	0	0
J.M. SMUCKER COMPANY	CONSUMER STAPLES	832696405	105	951	SH		DFND		0	951	0
SNAP-ON INC	CONSUMER DISCRETIONARY	833034101	95	609	SH		SOLE		609	0	0
SONY CORP ADR	FOREIGN EQUITIES	835699307	9	155	SH		SOLE		155	0	0
SOUTHERN CO	UTILITIES	842587107	655	10,608	SH		SOLE		10,608	0	0
SOUTHERN CO	UTILITIES	842587107	264	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	14	150	SH		SOLE		150	0	0
SPLUNK INC.	ENERGY	848637104	6	50	SH		SOLE		50	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	451	5,102	SH		SOLE		5,102	0	0
STARBUCKS CORPORATION	CONSUMER DISCRETIONARY	855244109	8	92	SH		DFND		0	92	0
STITCH FIX, INC. - CLASS A	CONSUMER DISCRETIONARY	860897107	4	195	SH		SOLE		195	0	0
STRYKER CORP	HEALTHCARE	863667101	653	3,018	SH		SOLE		3,018	0	0
STRYKER CORP	HEALTHCARE	863667101	63	290	SH		DFND		180	110	0
SUNTRUST BANKS INC	FINANCIALS	867914103	13	195	SH		SOLE		195	0	0
SYNOPSYS INC	INFORMATION TECHNOLOGY	871607107	3	20	SH		SOLE		20	0	0
SYSCO CORPORATION	CONSUMER STAPLES	871829107	17	220	SH		SOLE		220	0	0
TJX COS INC NEW	CONSUMER DISCRETIONARY	872540109	32	580	SH		SOLE		580	0	0
TAKE-TWO INTERACTIVE SOFTWARE, INC.	INFORMATION TECHNOLOGY	874054109	12	95	SH		SOLE		95	0	0
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	305	2,850	SH		SOLE		2,808	0	42
TARGET CORP	CONSUMER DISCRETIONARY	87612E106	180	1,680	SH		DFND		670	1,010	0
TERADATA CORPORATION	INFORMATION TECHNOLOGY	88076W103	8	255	SH		SOLE		255	0	0
TESLA MOTORS INC	CONSUMER DISCRETIONARY	88160R101	40	164	SH		SOLE		164	0	0
TEVA PHARMACEUTICAL INDUSTRIES LTD. ADS	HEALTHCARE	881624209	3	468	SH		SOLE		268	0	200
TEXAS INSTRUMENTS	INFORMATION TECHNOLOGY	882508104	70	539	SH		SOLE		539	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	15	80	SH		SOLE		80	0	0
3M CO COM	INDUSTRIALS	88579Y101	255	1,554	SH		SOLE		1,554	0	0
3M CO COM	INDUSTRIALS	88579Y101	222	1,350	SH		DFND		835	515	0
TORONTO-DOMINION BANK NEW	FOREIGN EQUITIES	891160509	27	469	SH		SOLE		469	0	0
TOTAL SA	FOREIGN EQUITIES	89151E109	104	2,000	SH		SOLE		2,000	0	0
TRAVELERS COS INC	FINANCIALS	89417E109	130	875	SH		SOLE		875	0	0
TRUSTCO BK CORP N Y COM	FINANCIALS	898349105	26	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	10	93	SH		SOLE		93	0	0
US BANCORP DEL COM NEW	FINANCIALS	902973304	186	3,362	SH		SOLE		3,362	0	0
UNDER ARMOUR INC	CONSUMER DISCRETIONARY	904311107	6	300	SH		SOLE		300	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	26	440	SH		SOLE		440	0	0
UNILEVER PLC	FOREIGN EQUITIES	904767704	10	170	SH		DFND		0	170	0
UNION PACIFIC CORP	INDUSTRIALS	907818108	73	453	SH		SOLE		453	0	0
UNITED PARCEL SERVICE	INDUSTRIALS	911312106	209	1,744	SH		SOLE		1,744	0	0
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	2,350	17,216	SH		SOLE		17,184	0	32
UNITED TECHNOLOGIES CORP	INDUSTRIALS	913017109	412	3,015	SH		DFND		1,645	1,370	0
UNITEDHEALTH GROUP INC	HEALTHCARE	91324P102	251	1,155	SH		SOLE		1,155	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	42	495	SH		SOLE		495	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
ETF VANGUARD TOTAL INTL STOCK	MUTUAL FUND	921909768	1,254	24,275	SH		SOLE		24,275	0	0
VANGUARD SHORT-TERM BOND ETF	ETF's - Fixed Income	921937827	7	81	SH		SOLE		81	0	0
VANGUARD TOTAL BOND MARKET FUND ETF	FIXED INCOME	921937835	984	11,660	SH		SOLE		11,660	0	0
VANGUARD FTSE DEVELOPED MARKET ETF	MUTUAL FUND	921943858	666	16,208	SH		SOLE		16,208	0	0
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	1,040	25,840	SH		SOLE		25,730	0	110
VANGUARD MSCI EMERGING MARKETS ETF	MUTUAL FUND	922042858	52	1,285	SH		DFND		910	375	0
ETF VANGUARD RUSSELL 3000	MUTUAL FUND	92206C599	8,754	64,755	SH		SOLE		64,755	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	20	215	SH		SOLE		215	0	0
VANGUARD REAL ESTATE ETF	Exchange Traded Funds - Equity	922908553	33	350	SH		DFND		0	350	0
VANGUARD MID-CAP ETF	Exchange Traded Funds - Equity	922908629	1,886	11,250	SH		SOLE		11,250	0	0
VANGUARD TOTAL STOCK MARKET ETF	MUTUAL FUND	922908769	547	3,625	SH		SOLE		3,625	0	0
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	1,540	25,511	SH		SOLE		25,444	0	67
VERIZON COMMUNICATIONS INC	COMMUNICATION SERVICES	92343V104	449	7,433	SH		DFND		3,575	3,858	0
VERTEX PHARMACEUTICALS INC	HEALTHCARE	92532F100	4	25	SH		SOLE		25	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	330	1,920	SH		SOLE		1,920	0	0
VISA INC - CLASS A SHARES	INFORMATION TECHNOLOGY	92826C839	17	100	SH		DFND		0	100	0
VMWARE INC	INFORMATION TECHNOLOGY	928563402	11	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	0	3	SH		DFND		3	0	0
WALMART INC	CONSUMER STAPLES	931142103	436	3,674	SH		SOLE		3,674	0	0
WALMART INC	CONSUMER STAPLES	931142103	211	1,780	SH		DFND		1,500	280	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	1,154	10,033	SH		SOLE		10,033	0	0
WASTE MANAGEMENT INC NEW	INDUSTRIALS	94106L109	272	2,365	SH		DFND		880	1,485	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	146	2,895	SH		SOLE		2,895	0	0
WELLS FARGO & CO NEW	FINANCIALS	949746101	46	920	SH		DFND		700	220	0
THE WILLIAMS CO. INC.	ENERGY	969457100	60	2,506	SH		SOLE		2,506	0	0
WISDOMTREE INVESTMENTS INC	FINANCIALS	97717P104	3	600	SH		SOLE		600	0	0
WISDOMTREE EMERGING MARKETS EX-STATE OWNED ENTER	Exchange Traded Funds - Equity	97717X578	81	2,922	SH		SOLE		2,922	0	0
WORLD FUEL SERVICES CORPORATION	INDUSTRIALS	981475106	27	685	SH		SOLE		685	0	0
YRC WORLDWIDE INC	INDUSTRIALS	984249607	0	2	SH		SOLE		2	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	9	80	SH		SOLE		80	0	0
YUM BRANDS INC.	CONSUMER DISCRETIONARY	988498101	68	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	69	500	SH		DFND		0	500	0
ZUORA INC	INFORMATION TECHNOLOGY	98983V106	7	494	SH		SOLE		494	0	0